Privacy Policy – Sparky Loans

Last updated: 23 August 2025

At Sparky Loans (Post 12 Pty Ltd, ABN 49 637 039 082), we respect your privacy and are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What information we collect

We may collect personal information such as:

• Name, contact details, and date of birth
• Financial information (income, expenses, liabilities, credit history)
• Identification documents (driver's licence, passport, Medicare card)
• Employment details and business information (for business loans)

2. How we collect your information

• When you complete forms on our website (including calculators or applications)
• Over the phone, email, or in person
• From third parties, such as credit reporting bodies, employers, accountants, or referral partners (with your consent)

3. Why we collect your information

We collect, use, and disclose your personal information to:

• Assess your application for finance or related services
• Provide you with loan recommendations as an accredited broker
• Comply with our legal and regulatory obligations
• Communicate with you regarding your application or our services
• Improve our website, calculators, and customer experience

4. Who we may share it with

• Lenders, financiers, and credit reporting bodies
• Our referral partners, contractors, and service providers (IT, compliance, legal)
• Regulators, where required by law

5. How we protect your information

We take reasonable steps to safeguard your personal data from misuse, interference, loss, and unauthorised access.

6. Access and correction

You may request access to the personal information we hold about you and request corrections if it is inaccurate or out of date.

7. Contact us

If you have questions about this policy or our handling of your data: