Privacy Policy
Who are we?
‘We’, ‘us’ and ‘our’ refer to UNO Concept Finance Pty Ltd (ACN: 685 347 497) trading as LNE Finance Group (ABN 32 685 347 497) and our related entities.
Our Commitment to Protect Your Privacy
We understand the importance of protecting your personal information. This document sets out our commitment to privacy and explains how we manage your personal and credit-related information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
We are committed to ensuring that your information is used only for the purposes for which it was collected or as otherwise permitted by law.
Our Business Focus
LNE Finance Group provides credit strictly for business and investment purposes. We do not offer credit regulated under the National Consumer Credit Protection Act 2009 (Cth). Our services are not available for personal, household, or domestic purposes.
Personal Information
Personal information refers to any information or opinion that identifies you or could reasonably identify you.
The personal information we may collect includes:
Name, date of birth, address, phone number, email
Financial details and credit history
Occupation and employment details
Identification documents
Number of dependents and cohabitants
Proof of income and expenses
If you apply for an insurance product, we may also collect sensitive health information (with your consent).
Credit Information
We may collect and exchange the following credit information:
Credit liabilities and repayment history
Type and terms of finance
Default or payment history
Court proceedings or insolvency records
Serious credit infringements
This information is used to assess your creditworthiness and manage your loan with us. We store credit information securely in both electronic and paper form, including cloud storage.
Why We Collect Your Information
We collect your information to:
Assess and manage your application for finance
Comply with our legal obligations (e.g. AML/CTF)
Communicate with you and manage our relationship
Offer you additional products and services
Conduct internal compliance, audits, and reporting
How We Collect Information
We collect personal information:
Directly from you (in person, forms, phone, email)
From your authorised representatives (e.g. broker, accountant)
From credit reporting bodies and public records
From identity verification or fraud-checking services
Do We Disclose Your Personal Information?
We may disclose your information to:
Funders, lenders, or loan administrators
Credit reporting bodies
Third-party service providers (e.g. IT, call centres, legal)
Referrers, brokers, or advisers acting on your behalf
Identity verification and fraud prevention services
Government agencies, where required by law
Our business partners and affiliates (for marketing, where permitted)
Before disclosing your information, we take reasonable steps to ensure the recipient protects your privacy or has your consent.
Information Collected via Our Website
When you visit our website or use our online services, we may collect:
IP address, browser type, and device data
Page visits and usage activity
Information submitted through contact or application forms
We may use cookies for site functionality and analytics. You may disable cookies in your browser settings.
Third-Party IT and Cloud Providers
We use third-party platforms and cloud providers to store and manage data. We take reasonable steps to ensure that these providers comply with privacy obligations comparable to Australian standards, even if located offshore.
Digital Identity Verification
We may use third-party digital identity verification services that compare your personal details or identification documents to official records, including biometric data, to verify your identity.
Data Breach Notification
In the event of a data breach likely to cause serious harm, we will comply with the Notifiable Data Breaches (NDB) scheme, including notification to affected individuals and the Office of the Australian Information Commissioner (OAIC).
Direct Marketing
We may use your information to inform you of products, services, or promotions we believe may interest you. You may opt out at any time by:
Emailing [insert email]
Calling [insert number]
Clicking "unsubscribe" in email communications
We will respect your request promptly and at no charge.
Access and Correction
You have the right to request access to your personal and credit information held by us. You may also request that we correct inaccurate, incomplete, or outdated information.
Requests can be made in writing. We may charge a reasonable fee for retrieval and may take up to 30 days to respond. In some cases, we may refuse access (e.g. legal privilege), and we will explain why.
Using Government Identifiers
We do not use government-issued identifiers (e.g. TFNs) to identify you internally. If collected, they are used and disclosed only as permitted by law.
Doing Business Without Identifying You
Where lawful and practicable, you may deal with us anonymously (e.g. general enquiries). However, identification is typically required for any credit application.
Sensitive Information
We will only collect sensitive information (e.g. health, criminal, racial background) with your explicit consent or where legally authorised.
Security of Your Information
We take reasonable steps to secure your personal and credit information from misuse, loss, and unauthorised access. We use secure systems for both physical and digital storage and review our security practices regularly.
Complaints
If you believe we have breached your privacy rights, you can contact:
Privacy Officer – LNE Finance Group
Email: melissa@lnefinance.com
Phone: 0431 460 077
Address: Level 2, 14 Edgewater Court, Robina, QLD 4226
We will acknowledge your complaint within 7 days and aim to resolve it within 30 days. If unresolved, you may contact:
Office of the Australian Information Commissioner (OAIC)
Tel: 1300 363 992
www.oaic.gov.au