How we collect, use and protect your personal information
OverdraftMe is a credit representative of Lend & Loan (Australian Credit Licence 511092), a finance brokerage operating at Level 35, One International Towers, 100 Barangaroo Avenue, Sydney NSW 2000. In this Privacy Policy, "OverdraftMe", "we", "us" and "our" refers to OverdraftMe and its parent company Lend & Loan.
We are committed to protecting your personal information and complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose and protect personal information we receive from you.
By using our website (overdraftme.com.au) or submitting an enquiry, you consent to the collection and use of your information as described in this policy.
We may collect the following types of personal information:
We only collect information that is necessary to provide our finance broking services or to comply with our legal obligations.
We collect personal information:
We use your personal information to:
We will not use your personal information for any purpose that is incompatible with the purpose for which it was collected without your consent.
We may disclose your personal information to:
We do not sell your personal information to third parties. We do not share your information with advertisers.
We primarily store and process personal information in Australia. Some of our third-party service providers (such as cloud hosting or analytics providers) may be located overseas. Where we disclose information to overseas recipients, we take reasonable steps to ensure those recipients handle your information in accordance with Australian privacy standards.
In the course of providing credit assistance, we may collect, use and disclose credit-related information, including credit eligibility information obtained from credit reporting bodies. This is governed by the Privacy Act 1988 (Cth) and our Credit Reporting Policy, available on request.
We will only access your credit file with your consent, and only for the purpose of assessing your suitability for a credit product.
We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. These measures include:
If you believe your personal information has been compromised, please contact us immediately at info@overdraftme.com.au.
Our website uses cookies - small text files placed on your device - to improve your browsing experience and analyse website traffic. We use Google Analytics to understand how visitors use our site. This data is aggregated and does not personally identify you.
You can disable cookies in your browser settings. Note that disabling cookies may affect the functionality of some parts of our website.
You have the right to request access to the personal information we hold about you, and to request corrections if it is inaccurate, incomplete or out of date. To make such a request, contact us at:
Email: info@overdraftme.com.au
Post: Privacy Officer, OverdraftMe c/o Lend & Loan
Level 35, One International Towers, 100 Barangaroo Avenue, Sydney NSW 2000
We will respond to your request within 30 days. We may need to verify your identity before processing your request. In some circumstances, we may decline a request for access - if so, we will provide written reasons.
If you believe we have breached your privacy, you can lodge a complaint with us at info@overdraftme.com.au. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days.
If you are not satisfied with our response, you may lodge a complaint with:
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The current version will always be available at overdraftme.com.au/privacy-policy. We encourage you to review it periodically.
For any privacy-related questions or concerns, please contact us at info@overdraftme.com.au
A subsidiary of Lend & Loan ↗