Flexible, Tailored Business Finance for Growing Australian Businesses

   1800 005 938   Level 14, 3 Parramatta Square, 153 Macquarie St, Parramatta NSW 2150

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Privacy Policy

PRIVACY CONSENT

Lyft Capital Pty Limited t/as Lyft Money (ABN 18 623 527 775), Australian Credit Licence #541052 (referred to as “Lyft Money”/we/us”). By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.

Lyft Money will collect, store, disclose and use personal information and credit information that you provide to us in accordance with the terms of this Privacy Consent and our Privacy Policy. You may obtain a copy of our Privacy Policy by contacting us on 1800005938 or by emailing us at [email protected]. By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.

What is personal information?

Personal information is information or an opinion about an identifiable or reasonably identifiable person. The personal information we will collect and hold will include your name, date of birth, gender, telephone number, address, email, employment details and any other information we may need to identify you.

What is credit information?

Credit information is personal information that relates to credit that a person has applied for or has been provided.  The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit.  Credit information also include credit reporting information supplied to us by a credit reporting body and any information that we derive from it.

We will collect, hold, disclose and use your personal and credit information to:

  • assess and verify your identity and financial situation.
  • assess your credit application, or your suitability as a guarantor to a credit application.
  • provide such information to a guarantor or related applicant.
  • exchange your information with a credit reporting body.
  • disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit.
  • disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document.
  • disclose your information to an insurer to arrange insurance you wish to obtain.
  • obtain from, and disclose to, third parties such as your employer, landlord, real estate agent, lending institution and guarantor who are deemed as reasonably necessary to arrange finance and/or insurance; and
  • refer you to other organisations, service providers or business partners or obtain referrals from them to you.

We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.

Identity & financial situation verification

We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) to collect and use personal and credit information from you in order to identify you.  We are also required by the National Consumer Credit Protection Act 2009 (Cth) to collect credit information and personal information about you and take reasonable steps to verify this, including your financial situation.  This verification may include enquiring via a credit reporting body.

Authority to make requests.

You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:

  • where you are the borrower—obtaining information or a report about your commercial activities or commercial credit worthiness for the purpose of assessing your application from any business which provides information about the commercial credit worthiness of persons (this includes a credit reporting body);
  • where you are the borrower—giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for the purposes of:
  • assessing your application for credit;
  • notifying a default by you;
  • allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and
  • generally assessing your credit worthiness;
  • where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and
  • where you are the guarantor—obtaining a report about your credit worthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.

You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.

Credit reporting bodies

We may exchange personal and credit information with a credit reporting body as detailed below:

  • disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process;
  • use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant; and
  • request a credit reporting body to provide us with an assessment of whether information provided by the applicant or guarantor matches that in the credit report to verify the identity of applicant and/or guarantor.

Our current credit reporting body is Equifax you can contact them on phone 13 8332 during opening hours of Mon-Fri 8.30am to 6.00pm Eastern Standard Time, or via their website www.equifax.com.au. You can also obtain their Privacy Policy from their website at www.equifax.com.au.

Disclosures

We will disclose or exchange your personal and credit information to the following persons:

a. potential credit providers and/or insurers as part of our credit assistance process;
b. third parties to verify the details provided are correct, including with your agents, guardians, attorneys and employers;
c. our related body corporates, assignees, agents, contractors, and advisers;
d. law enforcement, government, and regulatory bodies;
e. any person who refers you to us for credit assistance;
f. joint applicants and guarantors;
g. any financial institution to, or from which a payment is made;
h. debt collection agencies; and
i. anyone who refers you to us.

We will not disclose your personal and credit information to any overseas recipient.

Your rights

You have the right to ask:

  • that we provide you with the personal and credit information we hold about you;
  • that we correct any personal and credit information we hold about you that is shown to be incorrect;
  • for copies of our Privacy Policy and this document;
  • the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
  • the credit reporting body provides you with a copy of information it holds about you

To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact us on phone number 1800005938 or by emailing us at [email protected] or registered post to Level 14/3 Parramatta Square 153 Macquarie St Parramatta NSW 2150 Australia.

Marketing

We would like to contact you from time to time with marketing information about the products and services we provide. You can opt-out of receiving direct marketing communication from us at any time.

If you do NOT want to receive marketing information f rom us, please email applications@lyf tmoney.com.au.

Electronic communication

If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make available to you, notices and relevant documents, including those from a credit provider or insurer. You are therefore responsible for maintaining appropriate software, hardware and associated processes to receive, access, review, print and save copies of such documents.

This consent applies to all types of communication that is permitted by law to occur electronically. Therefore, paper (hard copy) documents may not be provided to you, unless we are obliged to by law. You must regularly check advised electronic communication mediums for communication from us. If your details change, you must promptly notify us.

If you wish to withdraw your consent to electronic communication, please notify us on phone number 1800005938 or by emailing us at [email protected] or registered post to Level 14/3 Parramatta Square 153 Macquarie St Parramatta NSW 2150 Australia.

Credit providers

We may submit a credit application to credit providers listed in our ‘Credit Provider Schedule’. If a credit provider holds pertinent credit eligibility information, the credit provider must share this information with us, yourself or someone you have authorised to act on your behalf. Credit providers may also engage directly with a credit reporting body to make a credit enquiry and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our ‘Credit Provider Schedule’. If your credit application proceeds with a credit provider you may be asked again for your consent to collect, store and use and disclose your personal and credit information by this credit provider. Credit providers may provide your personal information (including information about your driver licence or passport) to an organisation providing verification of your identity, (including credit reporting bodies), to request an assessment of whether that information matches information held by the issuer of the identification document via the use of third party systems (this may also include electronic identity verification). Alternative means of verifying your identity may be available.

CREDIT PROVIDER SCHEDULE

– Lyft Capital Pty Ltd (ABN18623527775), Credit Licence number 541052

Credit Provider ABN / ACN Website Address
ABN Commercial 91 632 265 546 www.abncommercial.com.au
Addcash 56 106 311 237 https://www.addcash.com.au/
Affordable Car Loans 39 370 900 709 https://affordablecarloans.com.au
Alex Bank 13 627 244 848 alex.bank
Allied Credit (Direct) 143 964 667 https://alliedcredit.com.au/
Alma Finance 40 128 139 515 www.almafinance.com.au
Angle Auto Finance 161 130 696 https://www.angleauto.com.au/
Angle Finance 603 303 126 www.anglefinance.com.au
ANZ 11 005 357 522 https://www.anz.com.au
Aotea Finance Ltd 942 903 879 5701 https://aoteafinance.co.nz
ARTHURMAC 44 114 517 752 www.arthurmac.com.au
Asset Rental Group (Holdings) Ltd 45 637 141 998 https://www.arg.ltd/
Aussie Credit 59 126 911 635 https://aussiecredit.com.au/
Australian Motorcycle & Marine Finance 85 603 969 875 https://www.ammf.com.au/
Australian Premier Finance 54 104 959 435 https://www.australianpremierfinance.com.au/login/
Automotive Financial Services 73 003 622 375 https://www.afs.com.au
Autopay 40 163 691 236 www.autopay.com.au
Auzcap Business Finance 73 650 612 338 https://www.auzcap.com.au/
Avanti Finance 22 222 222 222 https://www.avantifinance.co.nz/
AWN Insurance 78 075 483 206 www.awninsurance.com.au
Azora 087 826 159 https://www.azorafinance.com/asset-finance
Azora Consumer Car Loans 53 147 803 576 https://www.azorafinance.com/asset-finance
Banjo Loans 601 130 527 www.banjoloans.com.au
Bizcap 633 927 090 bizcap.com.au
BOM 33 007 457 141 https://www.bankofmelbourne.com.au
BOQ Equipment Finance LTD 56 065 745 735 www.boqfinance.com.au
BOQ Finance / Leisure 92 080 151 266 www.boqfinance.com.au
Branded Financial Services 27 004 013 334 www.brandedfinancial.com.au
Business Fuel 629 419 021 www.businessfuel.com.au
C1 Car Loans 95 113 695 453 www.c1carloans.com.au
Capify 38 630 469 117 https://www.capify.com.au/
Capital Finance Australia Ltd 23 069 663 136 https://www.capitalfinance.com.au
CarStart Finance 47 156 477 413 www.carstart.com.au
CBA 48 123 123 124 www.commbank.com.au
CFI Finance 166 603 578 https://www.cfi.com.au/
Club Marine 15 000 122 850 https://www.clubmarine.com.au/
Commercial Equity Group 67 009 509 077 https://www.commercialequity.com.au/
Community First 80 087 649 938 https://communityfirst.com.au/
Credit Concierge 78 625 017 165 https://creditconcierge.com.au
Dynamoney 40 603 273 365 www.dynamoney.com
Early Pay 098 952 277 https://www.earlypay.com.au/
emoney Home Loans 079 790 364 www.emoneyhomeloans.com.au
FINANCE NOW 94 290 371 976 74 financenow.co.nz
Finance One 80 139 719 903 https://prime.financeone.com.au
Finance One Commercial 18 634 900 548 https://prime.financeone.com.au
Financial Holdings Limited 942 903 852 0839 https://www.fhlnz.co.nz/
Finstro 46 605 121 364 https://finstro.com/en-au
Firstmac 59 094 145 963 https://www.firstmac.com.au
FleetPlan 69143973531 www.fleetplan.com.au
FlexFleet 51081785711 https://www.flexfleet.com.au
Flexicommercial Ltd (NZ) 94 290 381 672 49 https://www.flexicommercial.com/nz/
Flexicommercial Pty Ltd 17 644 644 860 www.flexicommercial.com
Forward Finance Pty Ltd 60162976981 forwardfinance.com.au
Fox Symes 35 091 225 357 www.foxsymescarloans.com.au
Gamma Duo Financial Services Pty Ltd 83 675 176 913 https://www.gammaduo.com.au/
Gedda Money 83 611 343 572 www.gedda.com.au
Geneva Finance 11111111111 https://www.genevafinance.co.nz/?utm_source=googlemaps&utm_medium=auckland
Golden Loans 96 141 873 743 https://goldenloans.com.au/
Green Light Auto 39 131 507 474 loans.greenlightauto.finance
Grenke 27615226045 www.grenke.com.au
Group & General Finance 87000903257 https://www.groupandgeneral.com/
In Front Australian Business Solutions 21 127 427 445 www.infrontabs.com.au
Insurance Entry Only 76566776 76767676
Jacaranda Finance 53162078195 jacarandafinance.com.au
Judo Bank 11 615 995 581 https://www.judo.bank/home
Latitude EMotor 80 004 187 419 https://emotor.latitudefinancial.com.au
Latitude Personal Loans 54008443810 https://www.latitudefinancial.com.au/personal-loan/
LeaseWise 73000132436 https://leasewise.com.au/
Liberty 55 077 248 983 www.iq.liberty.com.au
Lumi Finance 75 627 897 625 www.lumifinance.com.au
Macquarie Leasing 46 008 583 542 https://introducer.macquarie.com.au/landing
Macquarie Leasing Commercial 46008583542 https://introducer.macquarie.com.au/landing
Madura LTD (Bendigo Leasing and Finance Pty Ltd) 15081835332 www.blf.com.au
Maple Asset Finance 92674353103 maplecommercial.com.au
Metro CF Pty Ltd 85 650 102 891 www.metrofin.com.au
Metro Finance 44 600 674 093 www.metrofin.com.au
Miracle Car Finance 73 121 367 226 miraclecarfinance.com.au
Money 3 63 117 296 143 www.money3.com.au
Money Place 25 081 982 872 moneyplace.com.au/how-it-works
MoneyMe 40163691236 www.moneyme.com.au/privacy-consent
Moneytech Services Pty Ltd 81112110933 www.moneytech.com.au
Morris Finance 70 083 630 139 www.morrisfinance.com.au
Moula Money Pty Ltd 95164875325 www.moula.com.au/partner
Multipli Pty. Limited 12 130 240 443 www.multipli.com.au
NAB 12 004 044 937 www.nab.com.au
National One Automotive 83 130 591 178 nationaloneautomotive.com.au
Nautilus Marine 93 004 727 75 www.nautilusinsurance.com.au
New Start Auto Loans 82 127 430 559 www.newstartautoloans.com.au
Now Finance 158 703 612 nowfinance.com.au
On Deck Capital Australia Pty Ltd 28 603 753 215 www.ondeck.com.au
Orix 79002992681 www.orix.com.au
Other Lender 99999999999 www.temporarylender.com.au
Ourmoneymarket 64 605 231 669 www.ourmoneymarket.com.au
Parallel Finance 25 132 674 643 https://parallel.fi/
Pepper Asset Finance 56 165 183 317 https://www.peppermoney.com.au/
Plenti 57 166 646 635 https://members.plenti.com.au/Container/brokerportal/login
Presidian 99 166 382 369 www.presidianwarranty.com.au
Prospa 47 154 775 667 www.prospa.com
Quest 17 625 126 641 https://quest.finance/
RACV Finance Ltd 82 004 292 291 racv.com.au/finance
Rapid Loans 54 103 660 546 www.rapidloans.com.au
Rapid Loans V1 54 103 660 546 www.rapidloans.com.au
Rapid Loans v2 54 103 660 546 www.rapidloans.com.au
Resimac Asset Finance 93 098 034 041 www.resimacassetfinance.com.au
Rohanna Pty Ltd 008 905 477 https://www.johnhughes.com.au/
Salt and Lime 619 815 833 https://www.saltandlime.com.au/
Scotpac Business Finance 79 008 636 388 www.scotpac.com.au
Selfco 099 591 616 https://selfco.com.au/
Shift 24 149 390 625 https://www.shift.com.au/
Society One 42 366 60 societyone.com.au/broker
Southern Cross Credit Union Pty Ltd 82 087 650 682 https://www.sccu.com.au/
Sovereign Credit 77 089 890 326 www.sovereigncredit.com.au
Speedy Business Finance 19 648 718 370 www.speedybusines.com.au
Speedy Finance 51 107 822 766 www.speedybusiness.com.au
St George Automotive Finance 33 007 457 141 stgeorge.com.au
Swoosh Finance 67 118 176 631 www.swoosh.com.au
The Asset Financier (Allied Credit) 143 964 667 https://alliedcredit.com.au/
Thorn Business Finance 87 626 540 832 https://www.thornbusinessfinance.com.au/thorn-business-finance/contact-us
TL Rentals 27 071 702 264 https://www.tlrentals.com.au/
Trucap 26 623 171 773 https://www.trucap.com.au/
True Pillars 623 138 241 https://www.truepillars.com/
Ume Loans 25 138 637 064 www.umeloans.com.au
Veya Money 31 609 859 985 https://alliedcredit.com.au/
Volkswagen Financial Services 20 097 071 460 www.vwfs.com.au
Westpac 33 007 457 141 www.westpac.com.au
WISR 39 119 503 221 www.wisr.com.au

Aggregation partners

We have finance aggregation arrangements with the following entities who assist us in having access to a wide range of credit providers. We may utilise their systems as part of our credit assistance process and other platforms for potential ongoing client contact. We may also share your details as part of compliance audits.

  • Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence #511803

ACKNOWLEDGEMENT

By signing below, as applicant or guarantor, I acknowledge and declare that I have read and understood this Privacy Consent. I consent to the collection, storage, use and disclosure of my personal information and credit information in accordance with this Privacy Consent.

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