Privacy policy | Lyft Money

Last updated 17 September 2026

Lyft Capital Pty Ltd (ABN 18 623 527 775), trading as Lyft Money and including our Lyft Financial services (Lyft Money, we, us, our), holds Australian Credit Licence 541052. We arrange finance for businesses and individuals through a panel of lenders. We are not a lender.

This Privacy Policy explains how we collect, hold, use and disclose personal information and credit information, and how you can access it, correct it or complain. We are bound by the Privacy Act 1988 (Cth), the Australian Privacy Principles and the Privacy (Credit Reporting) Code.

1. The information we collect

Personal information is information about an identified or reasonably identifiable individual. Depending on the finance you ask us to arrange, we may collect:

identity details: name, date of birth, contact details, residential address, driver licence, passport or Medicare details and other identification;
business details: ABN, entity structure, directors, shareholders, trading history, industry and business bank account details;
financial details: income, employment, assets, liabilities, expenses, bank statements, tax returns, financial statements, BAS and ATO portal records;
details of the asset or property being financed and any existing finance on it;
guarantor details where a guarantee is required;
records of your dealings with us, including phone calls, emails, forms you complete on our website and calculators or tools you use;
technical data when you use our website, such as IP address, device and browser type, pages visited and how you arrived at the site.

Credit information is a category of personal information regulated by Part IIIA of the Privacy Act. It includes information in a credit report obtained from a credit reporting body, your repayment history, defaults, court judgments, bankruptcy or insolvency information, and information about credit you have applied for or hold. We collect credit information only with your consent and only where it is necessary to assess or arrange finance for you.

Sensitive information (for example health information) is collected only where it is necessary, for example to support a hardship or insurance application, and only with your consent.

If you do not provide the information we ask for, we may not be able to arrange finance for you or provide the service you have requested.

2. How we collect it

We collect information directly from you when you enquire through our website, call us, email us, complete an application or fact find, or meet with a broker. We may record telephone calls for training, quality and compliance purposes.

We also collect information from third parties where you have authorised us or the law permits, including:

credit reporting bodies (see section 6);
lenders, insurers and finance companies on our panel;
your accountant, bookkeeper, solicitor or other advisers;
identity verification, bank statement retrieval and document verification services;
referral partners such as dealerships, equipment suppliers, accountants and mortgage brokers who introduce you to us;
publicly available sources such as ASIC, ABN Lookup, the Personal Property Securities Register and property records;
our aggregator and lender platforms that process applications on our behalf.

3. Why we collect, hold and use it

We collect, hold and use your information to:

understand your requirements and objectives and identify finance that may suit them;
assess whether a lender is likely to approve you and on what terms;
prepare and submit applications to lenders, insurers and other product providers you choose;
verify your identity and comply with anti-money laundering, counter-terrorism financing, responsible lending and other legal obligations;
manage our relationship with you, including settlement, ongoing reviews, refinancing and end-of-term options;
deal with complaints, disputes and requests;
keep you informed about products, rate changes and services that may interest you (you can opt out at any time; see section 8);
operate, secure and improve our website, systems and services;
meet our obligations to our licensee, aggregator, lenders, auditors, insurers and regulators.

4. Who we disclose it to

We disclose your information only for the purposes above, or where you consent or the law requires. Recipients may include:

lenders, insurers, financiers and other product providers you ask us to approach, and their agents;
credit reporting bodies, where you have consented;
our aggregator, licensee support providers and compliance auditors;
referral partners who introduced you, limited to confirming the outcome of the referral;
service providers we use to run our business, such as customer relationship management and email platforms, document storage, e-signature, bank statement retrieval, identity verification, IT support and website analytics;
your guarantor, co-borrower or nominated adviser, where relevant to the application;
our professional advisers, including lawyers and accountants;
regulators, courts, law enforcement and government agencies where required or authorised by law;
a purchaser or prospective purchaser of our business.

We do not sell your personal information.

5. Overseas disclosure

Some of our service providers store or process data outside Australia, including in the United States, where cloud-based customer relationship management, email, analytics and document platforms are hosted. Before we disclose information overseas we take reasonable steps to ensure the recipient handles it in a way that is consistent with the Australian Privacy Principles, including through contractual protections. Lenders on our panel are Australian entities; a lender's own privacy policy explains any overseas disclosure it makes.

6. Credit reporting

With your consent, we may obtain a credit report about you or your business from a credit reporting body to assess and arrange finance. We may also share the information you give us with a lender, and the lender may disclose information about your application and any resulting credit to a credit reporting body in accordance with its own credit reporting policy.

The credit reporting bodies we or our lenders may use are:

Equifax – equifax.com.au – 13 8332
illion – illion.com.au – 13 2333
Experian – experian.com.au – 1300 783 684

Each body's website explains how it manages credit information, how you can obtain a free copy of your credit report, how to correct it, how to ask the body not to use your information for direct marketing pre-screening, and how to place a ban on your file if you believe you have been or may be a victim of fraud.

We hold credit information securely and use it only to assess and arrange your finance. If we are required to notify you of a refusal based on credit information, we will do so and identify the credit reporting body involved.

7. Website, cookies and analytics

Our website uses cookies and similar technologies to remember your preferences, understand how the site is used and measure our advertising. We use Google Analytics, Google Ads and Meta (Facebook and Instagram) tools, and our customer relationship platform may record which pages you visited before you enquired. These tools collect technical information and may set cookies on your device. You can control cookies through your browser settings; some features of the site may not work if cookies are disabled.

The calculators on our website are general tools. Figures you enter are not stored unless you choose to send them to us with an enquiry.

Our website may link to other sites. We are not responsible for their privacy practices.

8. Direct marketing

We may contact you by phone, SMS, email or post about products, rate changes and services that may interest you, in accordance with the Spam Act 2003 (Cth) and the Do Not Call Register Act 2006 (Cth). You can opt out at any time by using the unsubscribe link in an email, replying STOP to an SMS, or contacting us using the details below. We will act on your request promptly.

9. Security and retention

We hold information electronically in secure, access-controlled systems and, where paper records exist, in locked premises. We use encryption, multi-factor authentication, staff training and access controls to protect information from misuse, interference, loss, unauthorised access, modification or disclosure. No method of transmission over the internet is completely secure, so we cannot guarantee the security of information you send to us online.

We keep information for as long as it is needed for the purposes described in this policy and to meet our legal obligations, which for credit files is generally seven years after our relationship ends. We then destroy or de-identify it.

If a data breach is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner in accordance with the Notifiable Data Breaches scheme.

10. Access and correction

You can ask for a copy of the personal information we hold about you and ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading. Contact us using the details below. We will respond within 30 days and there is no charge for making a request, although we may charge a reasonable fee for supplying copies of large files. If we refuse a request, we will tell you why and how you can complain.

11. Complaints about privacy

If you believe we have mishandled your information or breached the Australian Privacy Principles or the Credit Reporting Code, please contact us first using the details below. We will acknowledge your complaint within one business day and aim to resolve it within 30 days. Our complaints process is explained on our Complaints and disputes page.

If you are not satisfied with our response, you can complain to the Australian Financial Complaints Authority (AFCA), of which we are a member (member number 93387): afca.org.au, 1800 931 678, [email protected], GPO Box 3, Melbourne VIC 3001. You may also contact the Office of the Australian Information Commissioner: oaic.gov.au, 1300 363 992.

12. Changes to this policy

We review this policy regularly and may update it at any time. The current version is always published on this page with the date it was last updated.

13. Contact us

Lyft Capital Pty Ltd trading as Lyft Money ABN 18 623 527 775 · Australian Credit Licence 541052 Level 14, 3 Parramatta Square, 153 Macquarie Street, Parramatta NSW 2150 Phone 1800 005 938 · Email [email protected]

Please address privacy requests to the Privacy Officer.