This policy sets out how AHC Finance Pty Limited ABN 35 161 006 846 T/As Clinch Finance (Australian Credit Licence No. 448165) and our related businesses (we/us/our) collect, use and disclose the personal information (including credit-related information) we hold about you.

Our commitment to protect your privacy

We recognise that any personal information we collect about you will only be used for the purposes we have collected it for or as allowed under the law.  It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

We are committed to protecting your personal information by abiding by the Australian Privacy Principles (APPs), the Privacy Act 1988 (Cth) (Privacy Act), the Privacy (Credit Reporting) Code 2014 (Credit Reporting Code) and any other relevant law.

Personal information

When we refer to personal information, we mean information from which your identity is reasonably apparent, which may include information or an opinion that relates to you.  The personal information we hold that relates to you may also include credit-related information. 

Credit-related information means:

· Credit information, which is information which includes your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, financial hardship information (including information that any repayments are affected by a financial hardship arrangement),  default information (including overdue payments); payment information; new arrangement information; details of any serious credit infringements; court proceedings information; personal insolvency information and publicly available information; and

·  Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body, and any information that we derive from it.

We use your credit-related information to assess your eligibility to be provided with finance.  Usually, credit-related information is exchanged between credit and finance providers and credit reporting bodies. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.

If you are applying for finance or providing a guarantee, we may also collect the ages and number of your dependants and cohabitants, the length of time you have resided at your current address, your employment details, and proof of earnings and expenses.  If you apply for any insurance product through us, we may collect information about what is being insured, the beneficiaries, and your health information, including medical and lifestyle information from you or your health professionals.  We will only collect health information from you with your consent.

Why we collect your personal information

We collect personal information for the purposes of assessing your application for finance and managing that finance, establishing your identity, contacting you, managing our risk, and to comply with our legal obligations. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.  Improvements in technology also enable organisations like ours to collect and use information to get a more integrated view of our customers.  We may offer you other products and services from time to time.

How we collect your personal information

Where reasonable and practical, we will collect your personal information directly from you.  We may collect information about you that is publicly available, such as from public registers or social media, or made available by third parties.  We may also collect your personal information from credit reporting bodies, mortgage and finance brokers, employers, and other people such as accountants and lawyers.

Disclosing your personal information

We may disclose your personal information:

· to prospective funders or other intermediaries in relation to your finance requirements; 

· to other organisations that are involved in managing or administering your finance, such as third party suppliers, printing and postal services, call centres, lenders, mortgage insurers, trade insurers and credit reporting bodies;

· to associated businesses that may want to market products to you;

· to companies that provide information and infrastructure systems to us;

· to our agents, contractors or external service providers to outsource certain functions, for example, statement production, debt recovery and information technology support;

· to any person who represents you, such as finance brokers, lawyers, mortgage brokers, guardians, persons holding power of attorney and accountants; 

· to anyone where you have provided us consent; 

· to other guarantors or borrowers (if more than one);

· to borrowers or prospective borrowers, including in relation to any credit you guarantee or propose to guarantee;

· to our auditors, insurers, re-insurers and health care providers;

· to claims related providers, such as assessors and investigators who help us with claims;

· where we are authorised to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth), or by government and law enforcement agencies or regulators; 

· to investors, agents or advisers, trustees, rating agencies or any entity that has an interest in your finance or our business;

· to other financial institutions, for example to process a claim for mistaken payment;

· to organisations that provide products or services used or marketed by us; or

· to your employer, former employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment; or 

(b) you have consented to us making the disclosure.

Credit-related information

We exchange credit-related information for the purposes of assessing your application for finance and managing that finance.  If you propose to be a guarantor, one of our checks may involve obtaining a credit report about you. When we obtain credit eligibility information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.

Notifiable matters

The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit-related information.  You may request to have these notifiable matters (and this policy) provided to you in an alternative form. We exchange your credit-related information with credit reporting bodies. We use the credit-related information that we exchange with credit reporting bodies to confirm your identity, assess your creditworthiness, assess your application for finance or your capacity to be a guarantor, and manage your finance.

The information we may exchange with credit reporting bodies includes your identification details, what type of loans you have, how much you have borrowed, whether or not you have met your loan payment obligations, whether you have entered into a financial hardship arrangement (either with us or some other third party), and if you have committed a serious credit infringement (such as fraud). If you fail to meet your payment obligations in relation to any finance that we have provided or arranged, or if you have committed a serious credit infringement, we may disclose this information to a credit reporting body.

You have the right to request access to the credit-related information that we hold about you and make a request for us to correct that credit-related information if needed.  See ‘Accessing and correcting your personal and credit-related information’ below for further information.

Sometimes your credit-related information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers.  You can contact the credit reporting bodies at any time to request that your credit-related information is not used in this way.

You may contact the credit reporting bodies to advise them that you believe that you may have been a victim of fraud.  Credit reporting bodies must not use or disclose your credit-related information for a period of 21 days after you notify them that you may have been a victim of fraud.  You can contact the following credit reporting body for more information:

· Equifax Pty Limited – www.equifax.com.au – contact on 13 83 32; see privacy policy at www.equifax.com.au/privacy;

Direct marketing

We may use your personal information from time to time to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with which we are associated. You may at any time opt out of receiving marketing information by phoning us on 1800 225 462 or by writing to us at privacy@altx.com.au.  If we are sending you direct marketing by email, you may also use the unsubscribe function.  We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

Overseas disclosure

The personal and credit-related information we hold about you may be held by us in electronic form on our secure servers and may also be held in paper form.  We may use cloud storage to store this credit-related information, and the cloud storage and IT servers may be located outside Australia.  We may also disclose your personal and credit-related information to overseas entities that provide support functions to us or to other entities located overseas.

We and the entities we disclose your personal and credit-related information to may disclose your information to entities located overseas.  The overseas entities to whom we disclose your information may not be subject to privacy laws or principles similar to those that apply in Australia, and any information disclosed to an overseas entity may not have the same protection as under the Australian privacy law.  You should understand that, by consenting to us disclosing your information to overseas entities, we will not be accountable, and you may not be able to seek redress, if those entities do not handle your information in accordance with Australian privacy laws.  While we attempt to select and secure reputable offshore service providers, we are not liable for any breach or misuse of information sent offshore.  Overseas entities may be required to disclose your information to relevant foreign authorities under a foreign law.      

Updating your personal information

It is important to us that the personal information we hold about you is accurate and up-to-date.  During the course of our relationship with you, we may ask you to inform us if any of your personal information has changed.  If you wish to make any changes to your personal information, you may contact us.  We will generally rely on you to ensure that the information we hold about you is accurate or complete.

Accessing and correcting your personal and credit-related information

We will provide you with access to the personal and credit-related information we hold about you.  You may request access to any of the personal and credit-related information we hold about you at any time.  We may charge a fee for our costs of retrieving and supplying the information to you.

Depending on the type of request that you make we may respond to your request immediately, otherwise we will usually respond within seven days of receiving your request.  We may need to contact other entities to properly investigate your request. There may be situations where we are not required to provide you with access to your personal or credit-related information, for example, if the information relates to existing or anticipated legal proceedings, if your request is vexatious, or if the information is commercially sensitive.

If we deny you access to the personal or credit-related information we hold about you, we will explain why. If any of the personal or credit-related information we hold about you is incorrect, inaccurate or out-of-date, you may request that we correct the information by phoning us on 1800 225 462 or by writing to us at privacy@altx.com.au.

If appropriate, we will correct the personal or credit-related information at the time of your request.  Otherwise, we will provide an initial response to you within seven days of receiving your request.  Where reasonable, and after our investigation, we will provide you with details about whether we have corrected your personal or credit-related information within 30 days.

We may need to consult with other finance providers or credit reporting bodies or entities as part of our investigation. If we refuse to correct personal or credit-related information, we will provide you with our reasons for not correcting the information.  

Business without identifying you

In most circumstances, it will be necessary for us to identify you in order to successfully do business with you.  However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information (for example, if you make general inquiries about interest rates or current promotional offers).

Sensitive information

We will only collect sensitive information about you with your consent.  Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

Safety and security of your personal information

We will take a range of measures and reasonable steps to protect your personal information.  Your personal information will always be stored in a secure environment.  We may store your personal information in paper and electronic form.  We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.  

Complaints

If you are not satisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act and the Credit Reporting Code, you may contact our complaints officer on 1800 225 462 or by writing to us at privacy@altx.com.au. We will acknowledge your complaint within seven days and aim to resolve the complaint as quickly as possible.  We will provide you with a decision on your complaint within 30 days.

If you are not satisfied  with the response of our complaints officer, you may make a complaint to the AFCA scheme, which can be contacted by phone on 1800 931 678, by email at info@afca.org.au, or in writing to GPO Box 3, Melbourne VIC 3001, or the Office of the Australian Information Commissioner, which can be contacted at either www.oaic.gov.au or by phone on 1300 363 992.

Further information

You may request further information about the way we manage your personal or credit-related information by contacting us. 

Changes to our privacy and credit reporting policy

We may change this policy from time to time or as the need arises.  We will publish any changes to this policy on our website.

You may request this policy in an alternative form by phoning us on 1800 225 462 or by writing to us at privacy@altx.com.au.

This policy was last updated on 24 July 2025.

Privacy Consent

Credit-related information means both: Credit information, which is information which includes your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, financial hardship information (including information that any repayments are affected by a financial hardship arrangement) and default information (including overdue payments); payment information; new arrangement information; details of any serious credit infringements; court proceedings information; personal insolvency information; and publicly available information; and Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body, and any information that we derive from it.We refer to personal information and credit-related information collectively as ‘information’ in this document.

You can find out more about how we deal with your privacy by viewing our Privacy & Credit Reporting Policy above.

If you do not consent to us collecting, using, holding and disclosing your information in accordance with this document, or do not provide us with your information, we may not be able to arrange credit for you or provide other services. We may disclose your information to third parties, including credit reporting bodies (CRBs), in a form that may enable those third parties to identify you.

If we obtain a credit report about you, that information may be recorded and may affect your credit standing. We may disclose your information to overseas entities that may not be subject to privacy laws or principles that are similar to those that apply in Australia.

If you provide us with this consent, you acknowledge that you may not be able to seek redress for any breach of your privacy which occurs outside of Australia. If you have any questions or concerns about how we handle your information, please contact us by phoning us on 1800 225 462 or email at myloan@clinchfinance.com.au

How we handle your information

You agree to us collecting, using, storing and disclosing information about you.  We can use your information to process your application for a product or services, to market products and services by us and by third parties, to verify your identity by using information held by a credit reporting body (CRB) and using other online resources, and to perform associated tasks.  We can also use your information to comply with laws (for example, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). We may collect your information from you or from third parties.

We may, from time to time, collect sensitive information about you, including information about your health.

Access to information and privacy and credit reporting policies

You may gain access to the information we hold about you or obtain a copy of our Privacy & Credit Reporting Policy here or by contacting us on 1800 225 462 or email myloan@clinchfinance.com.au. Our Privacy & Credit Reporting Policy and the privacy policies of the insurers and CRBs we deal with contain information about how you may access or seek correction of your information, see how that information is managed, how to make a privacy-related complaint, and how that complaint will be dealt with.

Exchange information with CRBs

We may give information about you to, and receive information about you from, CRBs, including information about your credit worthiness. CRBs may include information about you and this application in reports provided to other lenders to assist them to assess your credit worthiness. We may inform CRBs if you default, fail to meet your repayment obligations, or commit a serious credit infringement. You can ask a CRB not to use a credit report about you for the purposes of pre-screening or direct marketing. You can also ask a CRB not to use or disclose credit reporting information about you if you have reasonable grounds to believe that you have been, or are likely to be, a victim of fraud.

The CRBs we may share information with are:

·           Equifax Pty Limited – www.equifax.com.au – contact on 13 83 32; see privacy policy at https://www.equifax.com.au/privacy;

·           Illion (Australia) Pty Limited – www.illion.com.au – contact on 13 23 33; see privacy policy at https://www.illion.com.au/privacy-policy; and

·           Experian Australia Credit Services Pty Limited – www.experian.com.au – contact on 1300 783 684; see privacy policy at https://www.experian.com.au/privacy-policy-terms-conditions.

Exchange information with other businesses

We may give or receive information about you to the following types of businesses, some of which may be located overseas. 

other financiers or credit providers;

· finance brokers, funders, mortgage managers, and other people who assist us to provide our products or services;

any person who represents you, including financial consultants, accountants, lawyers, mortgage brokers, persons holding power of attorney, guardians and advisers;

· industry bodies, government authorities, tribunals, and courts;

· investors, advisers, trustees, ratings agencies and other businesses assisting us with funding;

· any person where we are authorised or required to do so by law;

· businesses who provide us with services or systems;

· insurers, valuers, and debt collection agencies;

· persons who are, or are likely to be, co-borrowers with you or to guarantee your loan;

· any person to whom you expressly consent us to share information with;

· any of our related entities or associates;

· our agents, contractors or service providers that we engage to carry out our functions and activities;

· your referees and your employer;

· an organisation that assists us to identify, prevent or investigate any fraud, unlawful activity or misconduct (or suspected fraud, unlawful

· activity or misconduct);

· any person considering acquiring an interest in our business or assets; and associated businesses that may want to market products to you.

Customer identification

We may disclose your name, residential address and date of birth to a CRB or other organisation (including the document issuer or official records holder) to verify your identity.  That organisation will use this information to give us an assessment/report of whether or not the information we have matches information held by the organisation, and that may involve use of third party systems and services.  If we use these methods and are unable to verify your identity in this way, we will let you know.  We may also use information about your Australian Passport, state or territory driver licence, Medicare card, citizenship certificate, birth certificate and any other identification documents to match those details with the relevant registries using third party systems and to record the results of that matching.  This information may be transmitted to New Zealand. 

If you do not consent to us disclosing your information in this way, we will verify your identity in another way, which may involve requiring you to provide various supporting identification documents (either original or certified copies).

Overseas disclosure

We and the businesses we disclose your information to may disclose this information to businesses located overseas, such as in the USA, Canada, India, Ireland, New Zealand, the United Kingdom, the Philippines, or South Africa.   Overseas entities may be required to disclose this information to relevant foreign authorities under a foreign law.  While we attempt to select and secure reputable offshore service providers, we are not liable for any breach or misuse of information sent offshore.  An overseas entity may not be subject to privacy laws or principles similar to those that apply in Australia.  Any information disclosed to an overseas entity may not have the same protection as under the Australian privacy law.  You may not be able to seek redress for any breach of your privacy which occurs outside of Australia. If we disclose your credit-related information to entities that are located overseas, we will take reasonable steps ensure that the overseas entity does not breach the Australian Privacy Principles in relation to your credit-related information.

Electronic Consent

·   By accepting the Declaration, you consent to receiving notices and other documents from us electronically.

·   You acknowledge that:

· We may no longer send paper copies of notices, statements, disclosures and other documents to you; and

You need to check your email regularly for notices, statements, disclosures and other documents.

·   We will send electronic communications to the email address for service you have nominated in this application.

Acceptance

By electronically consenting you:

·           consent to both the collection, use, holding and disclosure of your information as set out above; and

·           confirm that you are authorised to provide any personal information you provide to us and consent to the disclosure of your name, residential address and date of birth to a CRB or other organisation (including the document issuer or official records holder) for the purposes of electronically verifying your identity.