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Credit Rep 568624 · AFCA Member 113549 · CAFBA · FinTech Australia

No credit file impact · No cost to compare · No obligation

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Privacy Policy

Effective Date: 1 October 2026

1. Introduction

This Privacy Policy explains how Trade Funding Pty Ltd collects, holds, uses, and discloses your Personal Information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By using our website or submitting an enquiry or application, you consent to the collection and use of your information as described below.

We / Us / Our
Trade Funding Pty Ltd (ABN 28 647 543 084), Credit Representative 568624 of QED Credit Services Pty Ltd (Australian Credit Licence 387856)
Personal Information
Information or an opinion about an identified individual, or an individual who is reasonably identifiable
Credit Information
Information collected in connection with a credit application or account, including repayment history and default information, as defined under the Privacy Act
Product Provider
Any bank, non-bank lender, or credit provider we may introduce or refer you to
Vendor Partner
Any business registered with Trade Funding Connect to make point-of-sale finance available to its customers

We do not ordinarily collect Sensitive Information (health, racial or ethnic origin, criminal record) unless required to verify your identity or comply with a legal obligation, in which case we will seek your explicit consent.

2. What Information Do We Collect?

We collect Personal Information that is reasonably necessary to provide our services and to introduce you to suitable Product Providers, including:

  • Personal and contact details - name, date of birth, address, email, phone, and identity documents
  • Business information - ABN/ACN, trading name, structure, industry, and time in business
  • Financial information - revenue, bank statements, tax returns, and existing loans, assets, and liabilities
  • Credit information - credit reports, repayment history, enquiries, defaults, and court judgements
  • Website interaction data - IP address, device and browser information, and pages visited

We collect this directly from you wherever practicable - for example, through an online enquiry form, a call, or an email. We may also collect information from third parties such as credit reporting bodies and identity verification services where permitted by law.

3. How Do We Use Your Information?

We use your Personal Information only for the purposes for which it was collected, or as otherwise permitted by the APPs, including to:

  • Verify your identity and administer our engagement with you
  • Assess your financing needs and prepare a personalised Compare Report
  • Submit applications or referrals to Product Providers on your behalf
  • Conduct or facilitate credit checks with credit reporting bodies
  • Send you service updates or educational content where you've consented - you may opt out at any time
  • Comply with the National Consumer Credit Protection Act 2009 (Cth), the AML/CTF Act 2006 (Cth), and other applicable laws
  • Analyse website usage and improve our services

4. Disclosure of Personal Information

We may disclose your Personal Information to the following categories of third parties, to the extent necessary to provide our services or comply with our legal obligations:

  • Product Providers - banks, non-bank lenders, and other credit providers on our panel
  • Vendor Partners - where you arrived at us via a registered Vendor Partner, to confirm the underlying transaction and arrange settlement
  • Guarantors and related parties - where a guarantor is required as part of a credit application
  • Identity verification providers - to meet our AML/CTF obligations
  • Contractors and service providers - technology, IT, marketing, and professional services engaged to support our operations
  • Zoho - our customer relationship management system. Details you submit through our website forms go straight into it, so our team can respond and prepare your Compare Report
  • Vercel - hosts our website and passes form submissions to Zoho
  • Google Fonts - serves the typeface our website uses, and receives your IP address when a page loads
  • Google Analytics - only if you accept analytics cookies. It receives your IP address, device and browser information, and the pages you visit, and gives us statistics on how the site is used
  • Australian Business Register - when you look up your business on our application or partner form, the ABN or business name you type is sent through our website’s server to the ABR
  • Upstash - helps us block spam and duplicate form submissions. It only receives one-way hashes of your IP address and email address, never the details themselves, and keeps them for no more than 10 minutes
  • Regulatory and government bodies - ASIC, AUSTRAC, the ATO, and others where disclosure is required or authorised by law
  • Credit reporting bodies - Equifax, Illion, Experian, and similar bodies as permitted under the Privacy Act

We will not sell, rent, or trade your Personal Information to unrelated third parties for their own marketing purposes.

5. Security of Your Information

We take reasonable steps - physical, electronic, and procedural - to protect your Personal Information from misuse, interference, loss, unauthorised access, modification, or disclosure. Our systems are protected by SSL/TLS encryption, and access is restricted to authorised personnel on a need-to-know basis.

No method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of information transmitted to us electronically. If you believe your interaction with us is no longer secure, contact us immediately.

6. Cookies and Tracking Technologies

Our website uses cookies for one thing: Google Analytics, and only if you accept it. No cookie is set before you choose, and we use no advertising or remarketing trackers.

  • Analytics - Google Analytics sets cookies named _ga and _ga_ followed by an ID. They count visits and show us how pages are used, such as which links are clicked and whether a form was sent (never what you typed into it), and last up to two years
  • Your choice - we ask on your first visit, and keep your answer in your browser's storage rather than in a cookie, so we don't ask again for a year
  • Changing your mind - select Cookie settings at the bottom of any page. If you decline, analytics stops and its cookies are removed

You can also block or delete cookies through your browser settings, or install the Google Analytics opt-out browser add-on. Google handles this information under its own privacy policy.

7. Cross-Border Disclosure

Some of our third-party service providers and technology infrastructure are located outside Australia. As a result, your Personal Information may be stored on, or accessible from, servers located in the United States and the Philippines, and other jurisdictions from time to time.

Zoho stores the details you submit through our website in its Australian data centre. Vercel, a US company, hosts our website. Form submissions and business lookups are processed on its servers in Sydney, and pages are delivered through its global network, so your request (including your IP address) may pass through servers outside Australia. Google Fonts, and Google Analytics if you accept it, are provided from Google's servers, including in the United States.

Where we disclose Personal Information to overseas recipients, we take reasonable steps to ensure they do not breach the APPs in relation to that information. By using our website, you consent to your information being held and processed in these jurisdictions.

8. Access and Correction

You have the right to request access to the Personal Information we hold about you, and to request correction of any information that is inaccurate, out of date, incomplete, irrelevant, or misleading. Contact us in writing using the details in Section 11 - we will respond within a reasonable timeframe, and in any event within 30 days.

In some circumstances we may decline a request where permitted by the APPs - for example, where it would unreasonably impact another individual's privacy. If we decline, we will provide written reasons and the steps you may take to escalate the matter.

9. Complaints

If you believe we have breached your privacy or handled your Personal Information inconsistently with this Policy or the APPs, contact us in the first instance so we can attempt to resolve your concern promptly. We will acknowledge receipt within 5 business days and aim to respond substantively within 30 days.

Not satisfied?
You may escalate to the Office of the Australian Information Commissioner (OAIC)
Website
www.oaic.gov.au
Phone
1300 363 992
Post
GPO Box 5288, Sydney NSW 2001

10. Changes to This Policy

We may update or amend this Privacy Policy at any time to reflect changes in our practices, legal obligations, or business operations - the Effective Date above will change when we do. Where changes are material, we will take reasonable steps to notify you, which may include posting a notice on our website.

11. Contact Us

Questions about this Privacy Policy, or requests to exercise your rights:

Email
support@tradefunding.com.au
Phone
1300 161 641
Office Address
Level 8, 387 George Street, Sydney, NSW, 2000

Not satisfied with our response? Contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678.

Questions about how this applies to you? Get in touch →