Who Are We?
‘We,’ ‘us,’ and ‘our’ refer to LJ Asset Finance, a division of Loan Junction ACN 152 784 702
(https://www.loanjunction.com.au/).
LJ Asset Finance specialises in providing commercial finance solutions.
Our Commitment to Protecting Your Privacy
We understand the importance of safeguarding your personal information. This document outlines our privacy policy and explains how we handle the personal information we collect about you.
We assure you that any personal information collected is used solely for the purposes for which it was gathered or as permitted by law. Your confidence in our ability to protect your personal information is vital to us.
We adhere to the Australian Privacy Principles for the protection of personal information as set out in the Privacy Act 1988 and other applicable laws.
Personal Information
When we refer to personal information, we mean any information that reasonably identifies you. This may include:
- Name, date of birth, address, email address, phone number, and occupation
- Transaction history and account details
- Employment details, proof of income and expenses
- Tax File Number or tax residency status
- Location information, IP address, mobile device, and network information when you visit our website or use our mobile applications
If you apply for asset finance, we may collect additional details such as the ages and number of your dependants, cohabitants, and the duration of your residence at your current address.
Credit information may also be collected to assess your eligibility for finance. This could include your outstanding loans, repayment history, and any defaults. This information is usually exchanged between credit and finance providers and credit reporting bodies.
For transactions involving purchases or payments, we will collect relevant payment information.
Why We Collect Your Personal Information
We collect personal information to:
- Assess and process your asset finance applications
- Manage the finance services provided to you
- Offer additional products and services, including direct marketing
- Maintain and improve our relationship with you
To ensure efficient service delivery, we may disclose your personal information to third-party organisations that provide or market products and services associated with us. These organisations include:
- Other mortgage intermediaries
- Insurance partners, lenders, valuers, and surveyors
- Lenders mortgage insurers
- Accountants, credit reporting bodies, recoveries firms, and debt collectors
- Lawyers and other organisations that may have or consider having an interest in your finance or our business
Changes to Our Privacy Policy
We regularly review and update our privacy policies to align with changing laws, technologies, and market practices.
This means our privacy policy may change from time to time. You can always access the latest version on our website at
https://ljassetfinance.com.au or
https://www.loanjunction.com.au.
If you require this privacy policy in an alternative format, you may request it through our contact channels.
Contact Us
If you have any questions about this privacy policy or how we handle your personal information, please contact us through the details provided on our website.