Privacy Policy

1. Introduction

Blackrock Leasing Pty Ltd (trading as AssetMX) ABN 15 681 267 818, Australian Credit Licence 569484 (“we”, “us”, “our”) is committed to protecting your privacy and complying with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use the AssetMX website and services.

2. Information We Collect

We collect personal information that is reasonably necessary to provide our services, including:

2.1 Identity Information

• Full name, date of birth, and contact details
• Driver’s licence or other identification documents
• Residential address history

2.2 Business Information

• Australian Business Number (ABN) and business name
• Business address and contact details
• Director and trustee details
• Business financial statements and tax returns

2.3 Financial Information

• Bank account details and statements
• Existing debts and financial commitments
• Asset information and valuations

2.4 Credit Information

• Credit reports from credit reporting bodies
• Credit scores and credit history
• Default information and payment history

2.5 Technical Information

• IP address and browser information
• Device identifiers and usage data
• Cookies and similar technologies

3. How We Collect Information

We collect personal information:

• Directly from you when you use our website or submit an application
• From third parties including credit reporting bodies, identity verification services, and lending partners
• From publicly available sources such as the ABR and ASIC registers
• Through automated means such as cookies when you browse our website

4. How We Use Your Information

We use your personal information to:

• Process your finance application
• Verify your identity and assess your creditworthiness
• Match you with suitable lending partners
• Communicate with you about your application
• Comply with legal and regulatory requirements
• Improve our services and website functionality
• Detect and prevent fraud

5. Disclosure of Information

We may disclose your personal information to:

• Lending partners and financiers for credit assessment
• Credit reporting bodies (Equifax, illion, Experian)
• Identity verification service providers
• Professional advisers including lawyers and accountants
• Government and regulatory bodies as required by law
• Our related companies and service providers

We will not sell your personal information to third parties for marketing purposes.

6. Credit Reporting

When you apply for finance, we may request a credit report from credit reporting bodies. This will be recorded on your credit file as a credit enquiry.

If your finance is approved and you enter into a credit contract, we may disclose information about your repayment history and any defaults to credit reporting bodies.

You have the right to access your credit report and request corrections. Contact the relevant credit reporting body directly for these requests.

7. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access. Our security measures include:

• Encryption of data in transit and at rest
• Secure access controls and authentication
• Regular security assessments and updates
• Staff training on data protection

However, no data transmission over the internet is completely secure. We cannot guarantee the absolute security of your information.

8. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Generally, this means:

• Application data: 7 years from the date of application or settlement
• Settled loan records: 7 years from loan completion
• Website analytics: 26 months

When we no longer need your information, we will securely destroy or de-identify it.

9. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience and analyse website usage. You can control cookies through your browser settings, but disabling cookies may affect website functionality.

We use analytics services including Google Analytics to understand how visitors use our website. This data is aggregated and does not personally identify you.

10. Your Rights

Under the Privacy Act, you have the right to:

• Access your personal information held by us
• Request correction of inaccurate information
• Complain about privacy breaches
• Opt out of direct marketing communications

To exercise these rights, contact us at [email protected]. We will respond to requests within 30 days.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies before providing any personal information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the “Last updated” date and, where appropriate, notifying you directly.

13. Contact Us and Complaints

If you have questions about this Privacy Policy or wish to make a privacy complaint, please contact us:

Privacy Officer Blackrock Leasing Pty Ltd Email: [email protected]

If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au Phone: 1300 363 992