CTM Lending Pty Ltd T/A Asset Funder Finance

1. Introduction

CTM Lending Pty Ltd (ACN 680 895 685) trading as Asset Funder Finance (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal and credit information in accordance with the Privacy Act 1988 (Cth) and applicable credit reporting laws.
This Privacy Policy explains how we collect, use, disclose and manage your personal and credit-related information when providing our services.

2. What Information We Collect

We may collect and hold a range of personal and credit-related information about you, including:
Personal details (e.g. name, date of birth, contact details)
Identification information (e.g. driver’s licence, passport)
Financial information (e.g. income, expenses, assets and liabilities)
Employment details
Credit history and credit-related information
Information about your business (if applicable)
Information about guarantors or directors (where relevant)
This information may be collected directly from you or from third parties.

3. Why We Collect Your Information

We collect, use and hold your information to:
Assess your eligibility for consumer or commercial finance
Assist you in obtaining credit or financial products
Source suitable lenders, financiers, or insurers
Submit and manage your finance applications
Verify your identity and financial position
Comply with legal and regulatory obligations
Provide ongoing services and support
Offer you related products or services (unless you opt out)
If you do not provide the requested information, we may be unable to assist you or provide our services effectively.

4. How We Collect Information

We may collect your information:
Directly from you (via forms, emails, phone calls, website enquiries)
From credit reporting bodies (CRBs)
From lenders, insurers, and financial institutions
From your employer, accountant, or professional advisors
From publicly available sources

5. Credit Reporting Information

We may:
Request your credit report from a credit reporting body (CRB)
Use credit information to assess your application
Disclose your credit information to lenders and financiers
Credit providers may also:
Exchange your information with CRBs
Report repayment history or defaults
Use your information to assess creditworthiness
You have the right to:
Request access to your credit information
Request corrections if information is inaccurate
Request that CRBs do not use your information for direct marketing
Request a ban on your credit file in cases of suspected fraud

6. Disclosure of Your Information

We may disclose your personal and credit information to:

Credit providers, lenders, and lessors
Insurers and insurance providers
Credit reporting bodies
Guarantors or prospective guarantors
Service providers (e.g. IT providers, legal advisors, contractors)
Our related entities and business partners
Any party acquiring an interest in our business
We only disclose information where necessary for our services, with your consent, or as required by law.

7. Overseas Disclosure

In some cases, your information may be disclosed to overseas service providers (e.g. cloud storage or IT systems). We take reasonable steps to ensure that any overseas recipients comply with Australian privacy laws.

8. Data Security

We take reasonable steps to protect your information from misuse, loss, unauthorised access, modification or disclosure.
These measures include:
Secure digital systems
Restricted access controls
Staff confidentiality obligations

9. Access and Correction

You may request access to the personal information we hold about you at any time.
You may also request corrections if you believe the information is inaccurate, incomplete or outdated.
To make a request, please contact our Privacy Officer (details below).
An administrative fee may apply in some circumstances.

10. Direct Marketing

We may use your information to inform you about products or services that may be relevant to you.
You can opt out of receiving marketing communications at any time by contacting us.

11. Complaints

If you have a complaint about how we handle your information, you can contact us and we will attempt to resolve the issue promptly.
If you are not satisfied with our response, you may escalate your complaint to:
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: www.afca.org.au
AFCA provides a free and independent dispute resolution service.

12. Contact Us

If you have any questions, requests, or complaints regarding this Privacy Policy, please contact:
Privacy Officer
CTM Lending Pty Ltd
Suite 302/55 Phillip St
Parramatta NSW 2150
Email: manmeet@assetfunder.com.au
Phone: 0424 500 400

13. Updates to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website.