Finance.
Solved.

Solvyr Capital Pty Ltd (ABN 44 694 968 753) is a finance broking business based on the Gold Coast, Queensland. We are a credit representative (Credit Representative No. 576829) authorised under Australian Credit Licence 414426, which is held by AFAS Group Pty Ltd.

We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Where we handle credit-related information we are also guided by Part IIIA of that Act and the Privacy (Credit Reporting) Code 2014.

This policy explains what personal information we collect, why we collect it, who we give it to, how you can access or correct it, and what to do if you think we have got it wrong. It covers our website, our online enquiry and application forms, and everything we do as your broker. It is free to obtain — if you need it in another format, just ask.

Depending on what you ask us to do, we may collect:

• Identity information — name, date of birth, residential address, driver licence or passport details, residency or visa status.
• Contact information — phone number, email address, postal address.
• Financial information — income, employment, assets, liabilities, living expenses, bank statements, tax returns, business financials, ABN and trading details.
• Credit information — your credit history, current and past credit accounts, repayment history and any defaults, obtained from you, from a lender, or from a credit reporting body.
• Application information — the loan or asset you are after, quotes we prepare, applications we lodge, lender decisions and settlement details.
• Supporting documents — the payslips, statements, invoices, contracts and identification you send us.
• Website and technical information — IP address, device and browser type, pages visited, referring site, and identifiers set by cookies and similar technologies (see section 8).

Sensitive information. We generally do not collect sensitive information. Where a lender genuinely needs it — for example health information relevant to a hardship or insurance question — we collect it only with your consent and only so far as it is reasonably necessary.

Government identifiers. We may sight and record identification documents to verify who you are. We do not adopt a government-issued identifier, such as a driver licence or Medicare number, as our own identifier for you.

Mostly directly from you — through the forms on this website, over the phone, by email or SMS, in person, or through our online application portal.

We may also collect information about you from:

• a credit reporting body, such as Equifax or illion, with your express written consent;
• lenders and insurers we approach on your behalf;
• AFAS Group Pty Ltd, our licensee and aggregator;
• your accountant, employer or financial adviser, where you have told us we can;
• a referral partner or introducer who has your consent to pass your details to us;
• publicly available sources, such as the ASIC and ABN registers, for business applicants.

If you give us information about someone else — a co-borrower, guarantor, director or spouse — please make sure they know you are doing it and have had a chance to read this policy.

If we cannot collect the information we need, we may not be able to assess your situation or arrange finance for you.

We use your information to:

• work out what you need and what you can afford;
• identify lenders and products you may be eligible for;
• prepare, lodge and follow up credit applications on your behalf;
• verify your identity and the information you have given us;
• meet our responsible lending, anti-fraud and record-keeping obligations under the National Consumer Credit Protection Act 2009 (Cth) and our licensee's requirements;
• answer your enquiries and provide ongoing service, including reviews of finance you already hold;
• handle complaints and disputes;
• maintain and improve our website and services; and
• tell you about our services, unless you have opted out (see section 9).

We provide credit assistance. We are not a credit reporting body and we are not a credit provider.

With your express written consent, we may obtain a credit report about you from a credit reporting body, or receive credit eligibility information from a lender, to work out which lenders you are likely to qualify with. We will tell you before we do this. A formal credit enquiry is recorded on your credit file and may affect your credit score.

The credit reporting bodies we and our lenders commonly deal with are:

• Equifax Australia — equifax.com.au
• illion Australia — illion.com.au
• Experian Australia — experian.com.au

Each publishes its own credit reporting policy on its website. Those policies explain how that body handles credit reporting information, how you can access and correct it, how to complain, and how to ask them not to use your information for pre-screening direct marketing or to stop using it if you believe you have been, or are likely to be, a victim of fraud.

If you think credit information we hold about you is wrong, see section 11.

To do the job you have asked us to do, we disclose your personal information to:

• lenders, banks and finance companies we approach on your behalf, and their assessors and insurers;
• AFAS Group Pty Ltd, our licensee and aggregator, which supervises our work and holds compliance records;
• credit reporting bodies, where you have consented;
• insurers, valuers, suppliers and dealers where they form part of the transaction you have asked us to arrange;
• our service providers — customer relationship management, cloud storage, electronic signing, email and SMS delivery, website hosting, analytics and IT support — who handle information on our behalf under confidentiality obligations;
• our professional advisers, auditors and insurers;
• the Australian Financial Complaints Authority, the Office of the Australian Information Commissioner, ASIC, courts and other regulators, where we are required or permitted by law; and
• anyone else you direct us to.

We do not sell, rent or trade your personal information.

Some of the service providers we rely on are based outside Australia or store data outside Australia. The main country your information is likely to be disclosed to is the United States, through providers including:

• our customer relationship management and messaging platform (HighLevel / LeadConnector);
• Google LLC, for email, document storage and website analytics; and
• Meta Platforms, Inc., for website advertising measurement (see section 8).

Some of these providers also operate data centres in other countries. Before disclosing your information to an overseas recipient we take reasonable steps to ensure it is handled consistently with the Australian Privacy Principles, as APP 8 requires — normally through the provider's contractual data protection terms.

Australian privacy law may not apply to an overseas recipient, and you may not be able to seek redress against them in Australia. If you would prefer your information was not handled by an overseas provider, tell us — but be aware that this may mean we cannot arrange finance for you.

This website uses cookies and similar technologies. Some are necessary for the site to work. Others help us understand how the site is used and measure our advertising.

• Google Analytics 4 (measurement ID G-QB921J8NYJ), operated by Google LLC — records pages viewed, approximate location, device and referral source so we can see how the site performs.
• Meta pixel (ID 3847811965514045), operated by Meta Platforms, Inc. — records visits and actions such as submitting an enquiry, so we can measure and target our advertising on Facebook and Instagram. Where advertising measurement requires it, a hashed (irreversibly scrambled) version of an email address or phone number may be shared with the platform so it can match an advertisement to a result.

Both send information to the United States — see section 7. We do not sell your details to advertisers.

You can control this:

• your browser can block or delete cookies;
• Google offers an opt-out at tools.google.com/dlpage/gaoptout;
• Meta ad preferences are at facebook.com/adpreferences;
• most phones and computers let you limit ad tracking in their privacy settings.

Blocking cookies will not stop you using this site, though some parts may not work as well.

If you have enquired with us, or have been our client, we may contact you about our services by email, SMS or phone. Every message gives you a way out:

• Email — use the unsubscribe link in any marketing email, or reply and ask us to stop.
• SMS — reply STOP to any text.
• Phone — tell us on the call, or email us.

You can opt out of everything at once by emailing nash@solvyrcapital.com.au. We will action it promptly and at no cost to you. We do not use sensitive information for direct marketing, and we do not provide your details to other organisations for their marketing.

Opting out of marketing does not stop us contacting you about an enquiry or application that is already under way.

Your information is held in access-controlled cloud systems and, where relevant, in secure physical files. We use measures including encrypted transfer, restricted access, multi-factor authentication and confidentiality obligations to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure.

No system is completely secure. If we suffer a data breach that is likely to result in serious harm, we will act under the Notifiable Data Breaches scheme and notify you and the Office of the Australian Information Commissioner.

We keep credit records for at least seven years after a file closes, as our licence obligations require, and longer where another law requires it. When we no longer need information and are not required to keep it, we destroy it or de-identify it.

You can ask us for a copy of the personal information we hold about you, and ask us to correct it if it is wrong, out of date, incomplete, irrelevant or misleading. Email nash@solvyrcapital.com.au.

We will ask you to verify your identity first, and will respond within 30 days. There is no charge for making a request; if a request is unusually large we may charge a reasonable cost of producing the material, and we will tell you before we do.

We can refuse access or correction in the limited circumstances the Privacy Act allows. If that happens we will tell you why in writing, and how to complain.

If credit information we hold about you is wrong, we will consult the credit reporting body or credit provider involved and tell you the outcome.

If you think we have mishandled your personal or credit information, tell us first — email nash@solvyrcapital.com.au or call 0468 157 797. We will acknowledge your complaint promptly, normally within one business day, and give you a written response within 30 days.

If you are not satisfied with our response, you can take it further at no cost:

• Australian Financial Complaints Authority (AFCA) — our external dispute resolution scheme. afca.org.au, 1800 931 678, GPO Box 3, Melbourne VIC 3001. Our AFCA member number is 121188.
• Office of the Australian Information Commissioner (OAIC) — oaic.gov.au, 1300 363 992, GPO Box 5288, Sydney NSW 2001.

We review this policy from time to time. The current version is always published at solvyrcapital.com.au/privacy/, with the date it was last updated shown at the top. Where a change is material, we will publish it here before it takes effect.

Privacy enquiries go to the Privacy Officer:

Solvyr Capital Pty Ltd
Main Beach, Queensland, Australia
Email: nash@solvyrcapital.com.au
Phone: 0468 157 797

ABN 44 694 968 753 · Credit Representative No. 576829, authorised under Australian Credit Licence 414426 held by AFAS Group Pty Ltd.