1.1 At Abham Investment Pty Ltd ABN 61 669 560 285 trading as Abham Finance (“we,” “our,” or “us”), we deeply respect your right to privacy. Our commitment to safeguarding your privacy is unwavering. This policy outlines how we collect, store, use, and disclose your personal information. It also addresses the process of making privacy complaints, accessing the personal information we hold about you, and making necessary corrections.

1.2 “Personal information” refers to information or an opinion about you or an individual who can be reasonably identified as you.

1.3 “Sensitive information” covers data or opinions related to an individual’s racial or ethnic origin, political opinions, religious beliefs, sexual orientation, criminal record, health information, or biometric information. While we typically do not handle sensitive information, if it is reasonably necessary to do so, we will seek your consent.

1.4 By providing us with personal information, you agree to the terms of this Privacy Policy and the types of disclosure it encompasses.

2.1 From time to time, we will collect and store personal information about you as reasonably required for our functions and activities.

2.2 The types of personal information we may collect include:
a) Basic information like your name, telephone number, address, and email address. b) Your date of birth, occupation, and employment details. c) Information regarding your personal affairs, such as account information, transaction history, income, expenses, proof of earnings, and asset details. d) Credit-related information, including the amount of borrowings, repayments, defaults, credit capacity, and creditworthiness. e) Product and service preferences, as well as other information provided when you test or use our products and services. f) Records of any correspondence with us, including consented call recordings. g) Your location (IP address) when using our website. h) Your resume, work history, and education history if you apply for a role with us or are a potential candidate. i) Any other information you provide during interactions with us that we deem necessary for providing you with our services.

2.3 We collect personal information in various ways, including when you:
a) Subscribe to our waitlist. b) Subscribe to updates or other notifications from us. c) Enter personal information into our website during the account creation process. d) Make inquiries through our website, email, social media channels, or other means. e) Provide information via phone, in person, through private messaging, or other channels, or in application forms or documents. f) Make a complaint or provide feedback. g) Adjust your email preferences. h) Participate in user testing or respond to surveys and promotions. i) Correspond with our customer support.

2.4 We may also collect publicly available personal information about you.

2.5 We may receive personal information from third parties, including:
a) Joint account holders, prospective or current co-loan applicants, or guarantors. b) Financial institutions or organisations where you hold accounts or receive products or services. c) Our service providers, including identity verification service providers and data aggregation service providers when you authorise them to access and link your account information held by third-party financial institutions. d) Referral partners who refer your business to us. e) Your representatives, such as your lawyers and accountants.

2.6 We may combine or link your personal information with other information held about you in our customer relationship management system or other software to enhance the products and services we provide.

3.1 We may use your personal information to:
a) Manage our relationship with you. b) Verify your identity. c) Assess the suitability of a product or service. d) Assist you in applying for a product or service. e) Establish and administer our services to understand your financial situation, to combine the information with information collected from external sources to personalise your experience, and to provide you with information such as comparisons, insights, and updates. f) Test, develop, and improve our products and services. g) Inform you about new and additional products, services, and opportunities. h) Assess your suitability for a role or for recruitment purposes if you apply for a role with us.

3.2 We may send you offers, updates, articles, newsletters, or information about products and services. You can always opt not to receive these communications and unsubscribe at any time by notifying us of your preference. You can also request to opt out of direct marketing offers via email at admin@abhamfinance.com.

3.3 We may contact you through various means, including but not limited to telephone, email, SMS, or mail.

We may disclose your personal information to:

a) Our professional advisers, agents, suppliers, or subcontractors to the extent reasonably necessary for the purposes outlined in this policy.

b) Financial institutions or organisations to allow you to consider or apply for products and services from them.

c) Your guarantors or other security providers. d) Your representatives, such as your lawyers and accountants.

e) Third parties providing support functions, information, or infrastructure systems, including contractors or other service providers who supply services to us (e.g., handling mailings on our behalf, providing analytics, facilitating customer relationship management, sales and servicing, verifying identification, and external data storage providers). f) Other companies in the event of a corporate sale, merger, reorganisation, dissolution, or similar event. g) A court, tribunal, or other body or agency when required to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding, or in response to a law enforcement agency request. h) An external dispute resolution body or your or our insurers or prospective insurers or underwriters. i) Your current or previous employer or referees. j) Anyone when you have provided us with consent.

4.2 We will take reasonable steps to ensure that anyone or any organisation to which we disclose your personal information has a commitment to protect your information in the same way we do, or you have consented to the disclosure.

4.3 Information we collect may occasionally be stored, processed, or transferred to organisations providing support to us located in countries outside of Australia, including the United States. It may be necessary for those overseas entities to disclose your personal information under foreign law, and we will not be responsible for that disclosure.

4.4 In the event of a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer our user databases, along with any personal and non-personal information contained in those databases, to the extent permissible by law. This information may be disclosed to a potential purchaser under a confidentiality agreement. We will only disclose information in good faith and where required by the above circumstances.

5.1 We are dedicated to ensuring the security of the information you provide to us. To prevent unauthorised access or disclosure, we have implemented suitable physical, electronic, and managerial procedures to protect and secure information and guard it against misuse, interference, loss, and unauthorised access, modification, and disclosure. If we receive unsolicited information that is not needed for our functions and activities, we will take reasonable steps to destroy or de-identify it, in compliance with the law’s requirements to retain certain information for specific periods.

5.2 The transmission and exchange of information are done at your own risk. We cannot guarantee the security of any information you transmit to us or receive from us.

5.3 In case of a data breach, we will promptly assess the breach’s cause and actions required. We will comply with relevant legal requirements, including providing notifications to you and regulators when necessary.

6.1 You may request details of the personal information we hold about you. A small administrative fee may be payable for the provision of information. If you would like a copy of the information we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant, or misleading, please email us at admin@abhamfinance.com.au.

6.2 We reserve the right to refuse to provide you with information we hold about you in certain circumstances.

If you have any complaints about our privacy practices, please send the details of your complaints to email them to admin@abhamfinance.com.au. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.

Please note that we may change this Privacy Policy in the future. We reserve the right to modify this Policy at any time at our sole discretion, and all modifications will be effective immediately upon posting on our website.