Privacy Statement
Lotus Lane Capital Pty Ltd (“we”, “us”, “our”) recognises the importance of protecting personally identifiable information and is committed to safeguarding your privacy when you engage with us about our lending solutions. Our goal is to provide a transparent framework for how and why we collect, use, and protect your personal information.
We are bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth), the Privacy (Credit Reporting) Code, and other applicable laws relating to the handling of personal information.
Personal Information
We collect personal information when providing our lending services and only collect what is reasonably necessary to perform our functions. We will inform you why we are collecting information and how it will be used, or it will be clear at the point of collection.
We typically collect information directly from you, your broker, or authorised third parties (e.g. credit reporting bodies, insurers), with your consent where possible.
The personal information we may collect includes:
• Name, address, contact details, and identification documents
• Financial position details or credit check information (with your authorisation)
• Communications from your accountant, broker, adviser, or lawyer
• Transactional or account-related information
Credit Information
If you apply for credit, act as a guarantor, or provide security, we may collect credit-related information to assess your eligibility. This may include:
• Credit history and repayment records
• Defaults or serious credit infringements
• Public records and credit scores
We may share this information with:
• Brokers, lawyers, accountants, or other representatives
• Credit reporting bodies (we use Equifax – see www.equifax.com.au or call 13 83 32)
• Guarantors, investment managers, and loan service providers
• Any party you authorise or who has a legal basis to receive your data
Sensitive Information
We generally do not collect sensitive information. If we do (e.g. in hardship applications), it will be with your consent and only as permitted by law.
Anonymity
Where lawful and practical, you may interact with us anonymously. However, this may limit the services or information we can provide
Use of Personal Information
We will never sell, rent, or trade your personal information. It is used to:
• Provide lending products and services
• Fulfil administrative and contractual obligations
• Respond to enquiries or complaints
• Comply with legal and regulatory requirements
• Prevent fraud, money laundering, and financial crime
Disclosure of Personal Information
We may share your personal information with:
• Service providers (e.g. IT, legal, printing, mailing)
• Accountants, financial institutions, debt collectors, or lawyers
• Valuers, insurers, and mortgage professionals
• Courts, regulators, or industry bodies as required
• Any person you authorise or where permitted by law
Use by Third Parties
Where we outsource business functions, we ensure third parties are bound by confidentiality agreements. Personal information remains the property of Lotus Lane Capital and is used only for the specified purpose.
We do not disclose your details for third-party direct marketing. We may share information within our business group to offer relevant products and services.
We do not routinely share information with overseas entities. If we do, we will ensure they uphold privacy standards equivalent to those in Australia.
Use of Aggregate Data
We may collect non-identifiable data (e.g. browser type, IP address) using cookies to improve our website and user experience. This may be used in aggregate form for internal analysis, marketing, or service optimisation.
Security
We implement physical and digital safeguards to protect your personal information, including secure systems, restricted access, encryption, antivirus protections, and staff training. However, no data transmission over the internet can be guaranteed as completely secure.
Data Breaches
In the event of a data breach likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) in accordance with the Notifiable Data Breaches scheme.
Direct Marketing
We may use your personal information to send marketing offers from us or our affiliates. You can opt out at any time by contacting us.
Access to Personal Information
You may request access to your personal information by contacting us. We will verify your identity and respond within 30 days, subject to legal exceptions. A reasonable administration fee may apply.
Updating Your Information
To keep your records accurate, please notify us of any changes to your personal information.
Links to Third-Party Sites
Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of these sites.
Changes to this Privacy Policy
This policy is current as at 07/10/25. We may update it from time to time. Any changes will be posted on our website: www.lotuslanecapital.com.au
Contacting Us
Privacy Officer
Lotus Lane Capital Pty Ltd
Phone: 02 9236 3010
Email: enquiries@lotuslanecapital.com.au
If you are not satisfied with our handling of your personal information, you may contact:
Office of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001
Website: www.oaic.gov.au
