Privacy Policy

1. Introduction – Fast Track Lending Respects Your Privacy

At Fast Track Lending, protecting your privacy and personal information is of the highest priority.
We are committed to handling your information responsibly and in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and other relevant privacy laws.

This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information when you interact with us — whether you are applying for a loan, using our website, contacting our support team, or otherwise engaging with Fast Track Lending.

References to “you” in this Privacy Policy refer to clients, applicants, website visitors, and other individuals we interact with.

2. What Personal Information Does Fast Track Lending Collect?

We may collect the following types of personal information:

• Full name, date of birth, gender

• Residential and mailing address

• Email address and phone number

• Identification documents (e.g., driver’s license, passport)

• Employment and income details

• Financial information (bank statements, loan history, credit reports)

• Tax File Number (TFN) where permitted by law

• IP address, device identifiers, and online activity data

• Information obtained through cookies and analytics tools

In some cases, we may also collect sensitive information (such as health information) if it is necessary for a loan application (e.g., assessing financial hardship applications).

3. How Do We Collect Your Personal Information?

We collect personal information in several ways:

• Directly from you, when you apply for a loan or contact us

• Through our website, online forms, or customer portals

• From third parties, such as credit reporting bodies, your employer, referees, or publicly available sources

• Through cookies and similar technologies when you interact with our digital platforms

If you provide personal information about someone else (e.g., a guarantor), you must ensure that you have their consent to do so and inform them about our Privacy Policy.

4. Why Do We Collect, Hold, Use, and Disclose Personal Information?

Fast Track Lending collects and uses personal information to:

• Assess loan applications and manage loan accounts

• Verify your identity and eligibility for our products and services

• Communicate with you about your loan, products, services, or promotions

• Comply with legal and regulatory requirements

• Detect and prevent fraud and other unlawful activities

• Conduct credit checks with credit reporting bodies

• Improve our services, websites, and user experience through analytics

• Manage complaints, disputes, and compliance investigations

We will only use or disclose your information for the purposes stated above, or where otherwise permitted or required by law.

5. Who Do We Share Your Personal Information With?

We may share your personal information with:

• Credit reporting bodies and other lenders

• Your nominated referees, guarantors, or representatives

• Service providers who assist us (such as IT, cloud hosting, verification, marketing, and analytics providers)

• Government agencies, regulators, and law enforcement bodies

• Debt recovery agencies, in case of overdue accounts

• Third parties involved in business transfers or restructures

• External dispute resolution bodies if you lodge a complaint

All third-party providers are required to comply with strict privacy and security standards.

6. Overseas Disclosure

Some of the service providers we engage may be located overseas, including in countries such as the United States, the United Kingdom, New Zealand, and the Philippines.
Where your information is disclosed overseas, we take reasonable steps to ensure that those service providers protect your information to Australian privacy standards.

7. Use of Cookies and Website Analytics

When you visit Fast Track Lending’s website, we collect information using cookies and similar technologies to:

• Improve website functionality and user experience

• Tailor content and advertising

• Analyze traffic and usage trends

• Maintain security and fraud prevention

You can manage your cookie preferences through your browser settings. Please note, disabling cookies may limit some functionality of our website.

We use third-party services, including but not limited to Google Analytics, Facebook Pixel, and LinkedIn Insights, which may collect information about your online activities across websites.

8. Marketing Communications

We may use your personal information to send you marketing offers, product updates, or promotions that we think may interest you.
You can opt-out of receiving marketing communications at any time by:

• Clicking the “unsubscribe” link in our emails; or

• Contacting us directly at [Insert contact email].

Opting out of marketing communications will not affect our communications with you regarding your loan or account.

9. How Do We Protect Your Personal Information?

Fast Track Lending implements a range of security measures to safeguard your personal information, including:

• Encryption of sensitive data

• Secure server environments

• Multi-factor authentication

• Access control and staff training

• Regular security audits and monitoring

Despite our efforts, no method of transmission over the Internet or method of electronic storage is 100% secure.
We encourage you to also play an active role in keeping your information safe.

10. Accessing and Correcting Your Personal Information

You have the right to request access to the personal information we hold about you and request correction if it is inaccurate, outdated, or incomplete.

To make a request, please contact our Privacy Officer at [Insert email/phone number].
We will respond within a reasonable time, and there may be a small fee for providing access in some cases.

In certain circumstances, we may refuse access as permitted by law, and we will provide written reasons if that occurs.

11. Complaints About Privacy

If you believe your privacy has been breached or you have a complaint about the way we handle your personal information, please contact:

Privacy Officer
Fast Track Lending
[Insert Address]
Email: [Insert Email]
Phone: [Insert Phone Number]

We take all complaints seriously and will respond within a reasonable timeframe.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in law, technology, or our practices.
The latest version will always be available on our website at [Insert Website URL].
We encourage you to review our Privacy Policy periodically.