‘We’, ‘us’ and ‘our’ refer to KVM Finance and all of its Australian wholly-owned subsidiaries. This privacy policy (Policy) outlines how we collect and use your personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles.

We collect and handle your personal information in accordance with our legal obligations, including those under the Privacy Act and the Australian Privacy Principles. Where applicable, we also comply with Division 3 of Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014 when handling credit information.

This Policy describes how KVM Finance collects, uses, discloses, and holds your personal and, where applicable, credit information.

Why We Collect Personal Information

We collect and hold your personal information for purposes such as:

• Assessing your application for finance and managing that finance;

• Informing you about our other products and services;

• Direct marketing;

• Managing our relationship with you;

• Processing your application to join our network;

• Complying with legal or regulatory obligations, including anti-money laundering and counter-terrorism financing laws.

Information We Collect From You

We collect information about you and your interactions with us, including but not limited to:

• Personal and contact details (e.g., name, phone number, residential/postal address, email, date of birth);

• Identity verification documents (e.g., driver’s licence, passport, birth certificate, citizenship or marriage certificates);

• Financial details (e.g., employment details, income, assets, financial liabilities, bank account details);

• Credit information (e.g., credit checks, repayment history, defaults);

• Health information (only with your consent, when required for insurance applications).

If you apply for finance, we may also collect details about your dependants, length of residency, and proof of earnings and expenses.

Information We Collect From Others

In addition to information you provide directly, we may collect information from:

• Credit reporting bodies (when you apply for credit);

• Finance brokers, accountants, and lawyers;

• Public sources and regulatory agencies where required by law.

How Personal Information is Collected

We collect personal information through various means, including:

• Directly from you when you apply for a product or service;

• Third parties such as finance brokers, accountants, or lawyers;

• Publicly available sources;

• Electronic verification services.

If you provide information about another person, you must ensure they have consented to this disclosure and are aware of our privacy policy.

Can You Deal With Us Anonymously?

You can visit our website without revealing personal information. However, if we are required by law to verify your identity, we will inform you of any obligation and the consequences of non-disclosure.

How We Use and Disclose Your Personal Information

We may use and disclose your personal information for:

• Assessing and managing your finance applications;

• Providing financial products and services;

• Managing your employment application (if applicable);

• Handling complaints;

• Any other purpose permitted under the Privacy Act;

• Direct marketing (unless you opt-out).

We may disclose your information to:

• Funders and intermediaries related to your finance;

• Third-party suppliers (e.g., call centres, postal services);

• Associated businesses for marketing purposes;

• Companies providing infrastructure services to us;

• Your representatives (e.g., finance brokers, lawyers, accountants);

• Regulatory bodies (as required by law);

• Overseas entities providing support functions to us.

Direct Marketing

We may contact you via mail, phone, email, SMS, or social media for marketing purposes. You can opt-out at any time by emailing info@kvmfinance.com.au or using the unsubscribe function in emails.

Credit Information

Credit information is used to assess your eligibility for finance. This may include details of outstanding finance, repayment history, and defaults.

Security of Collected Information

We take reasonable steps to protect your personal information from misuse, loss, and unauthorized access. We store personal information in electronic form and restrict access to authorized personnel only. When no longer required, we securely delete or de-identify your personal information unless retention is required by law.

Cross-Border Disclosure

Your personal information may be disclosed to overseas entities such as contractors and service providers. We take reasonable steps to ensure they comply with this Policy. However, overseas entities may not be subject to equivalent privacy laws.

Access to and Correction of Personal Information

You have the right to request access to or correction of your personal information. Requests can be made via the contact details below. We will respond within 30 days. If we deny access or correction, we will provide an explanation.

Lodging a Question or Complaint

If you have concerns about our handling of your personal information, you can contact us using the details below. We will acknowledge your complaint promptly and attempt to resolve it within 30 days. If unsatisfied, you can escalate the complaint to the Office of the Australian Information Commissioner.

Notifiable Data Breaches

We are required to notify you and the Office of the Australian Information Commissioner if a data breach occurs that is likely to result in serious harm.

Changes to This Policy

This Policy is subject to change as necessary. The latest version will always be available on our website.

Contacting Us

For access, correction requests, or privacy concerns, contact us via:

• Email: info@kvmfinance.com.au