Privacy Policy

Effective Date: 5.09.2024

Who Are We?

“We,” “us,” and “our” refer to Rayz Financial Services Pty Ltd (ABN 99 667 679 263, Credit Representative Number 540838), authorized to act as a Credit Representative of Yellow Brick Road Aggregation Pty Ltd (Australian Credit Licence No: 390261). We provide a range of financial services tailored to your needs.

Our Commitment to Privacy

We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) to ensure your personal information is handled responsibly.

What Personal Information Do We Collect?

Personal information includes, but is not limited to:

  • Your name, address, date of birth, email, and phone number.
  • Financial details such as income, expenses, and credit history.
  • Identification documents (e.g., driver’s license, passport).
  • Employment, dependents, and residency information.
  • Credit history, including repayment records and outstanding loans.

Why We Collect Your Personal Information

We collect personal information to:

  • Assess and process your finance applications.
  • Manage and administer financial products.
  • Comply with legal and regulatory obligations.
  • Provide tailored financial advice and recommend suitable products.
  • Inform you about additional financial services.

How Do We Collect Personal Information?

We may collect information through:

  • Online or paper application forms.
  • Direct communication via email, phone, or in person.
  • Credit reporting agencies and financial institutions.
  • Public sources such as property records or social media.
  • Website analytics and cookies (rayz.com.au).

Your Rights

You have the right to:

  • Access: Request details of the personal information we hold about you.
  • Correction: Request corrections to inaccurate or outdated information.
  • Withdraw Consent: Opt-out of marketing communications.
  • Complaint: Lodge a complaint if we breach privacy laws.

Contact Us

If you have any concerns or inquiries, please reach out: