About This Policy
RTR solutions Pty Ltd trading as Vic Loan Market is committed to providing quality services and protecting your privacy. This Privacy Policy outlines our ongoing obligations regarding how we manage your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
A copy of the Australian Privacy Principles is available from the Office of the Australian Information Commissioner (OAIC).
What Is Personal Information and Why Do We Collect It?
Personal information is information or an opinion that identifies an individual. The types of personal information we may collect include names, addresses, email addresses, telephone numbers, and other information necessary to provide our services.
We collect personal information in a variety of ways, including through correspondence, telephone or email communications, our website, publicly available sources, and from third parties. We do not guarantee the content or privacy practices of authorised third‑party websites.
We collect your personal information for the primary purpose of providing credit assistance and related services, communicating with clients, and where permitted, marketing our services. We may also use your personal information for secondary purposes closely related to the primary purpose where you would reasonably expect such use or disclosure. You may opt out of marketing communications at any time by contacting us in writing.
Where reasonable and practicable, we will explain why we are collecting your personal information and how it will be used.
Sensitive Information
Sensitive information includes information or opinions about matters such as racial or ethnic origin, political opinions, religious beliefs, trade union membership, criminal record, or health information.
We will only collect and use sensitive information:
- for the primary purpose for which it was obtained;
- for a secondary purpose directly related to the primary purpose;
- with your consent; or
- where required or authorised by law.
Third Parties
Where reasonable and practicable, we will collect personal information directly from you. In some circumstances, we may receive personal information from third parties. In these cases, we will take reasonable steps to ensure you are aware of the information provided to us.
Disclosure of Personal Information
We may disclose your personal information in the following circumstances:
- to third parties where you have consented; or
- where disclosure is required or authorised by law.
Security of Personal Information
We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification, or disclosure. When personal information is no longer required for the purpose for which it was collected, we will take reasonable steps to destroy or permanently de‑identify it.
Client records are generally retained for a minimum period of seven (7) years, in accordance with legal and regulatory requirements.
Access to Your Personal Information
You may request access to the personal information we hold about you and request corrections, subject to certain exceptions permitted by law. Requests should be made in writing.
We do not charge a fee for access requests but may charge an administrative fee for providing copies. Identification may be required before releasing information.
Maintaining the Quality of Personal Information
We take reasonable steps to ensure that personal information is accurate, complete, and up to date. If you believe the information we hold is inaccurate or outdated, please contact us so we can update our records.
Policy Updates
This Privacy Policy may be updated from time to time. The current version will always be available on our website.
Privacy Policy Complaints and Enquiries
If you have any questions or complaints about this Privacy Policy, please contact:
Vic Loan Market
204C/5 Claremont Street, South Yarra, VIC 3141
Phone: 0400 000 806
Privacy Consent
By engaging Vic Loan Market to provide credit assistance, you consent to the collection, use, and disclosure of your personal information in accordance with this Privacy Policy. This includes disclosing your information to 555 Finance Aggregation Group Pty Ltd, Australian Finance Group Ltd (AFG), credit providers, insurers, valuers, credit reporting bodies, and other third parties where necessary to arrange, manage, or administer credit assistance, or as required by law.
You acknowledge that without providing this consent, Vic Loan Market may be unable to provide credit assistance or related services.
Let Vic Loan Market assist you with your lending and finance needs by providing clear information and responsible credit assistance.
