This Privacy Policy explains how Farmgate Agribusiness Finance (“we”, “us”, “our”) collects, uses, discloses and protects your personal information, including credit-related information, in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and the Notifiable Data Breaches (NDB) scheme. It also includes our Credit Information Policy for handling credit information as a finance broker.
By using our services or interacting with us (including via our website and social media), you consent to the handling of your personal information as set out in this policy.
Legal entity: Farmgate Agribusiness Finance (ACN 680 668 731 / Credit Representative 562933)
Trading name: Farmgate Agribusiness Finance
Address: 46 Bailey Street, Bairnsdale VIC 3875
Website: farmgateagrifinance.com.au
Contact: cameron@farmgateaf.com.au | 0439 388 808
Aggregator and lender panel disclosure:
Farmgate Agribusiness Finance (ACN 680 668 731 / Credit Representative 562933) has access to a panel of lenders through National Mortgage Brokers Pty Ltd (ACN 093 874 376 / Australian Credit Licence 391209), which is a fully-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983 / Australian Credit Licence 286596). Farmgate Agribusiness Finance has access to products including those from Liberty Financial.
The types of information we collect depend on our dealings with you and may include:
Contact details (address, email, phone).
Financial details (income, expenses, assets, liabilities, bank statements).
Business information (ABN, entity structure, farm production data, herd/stock numbers where relevant).
Credit information (see section 10), including credit eligibility information from credit reporting bodies (CRBs).
Government identifiers (as permitted by law) for identity verification (e.g., via the Document Verification Service).
Interaction data (emails, call notes, meeting records).
Website and analytics data (cookies, log files, device and browser details).
Sensitive information (e.g., health or membership information) only with your consent or as otherwise permitted by law.
We collect information:
Directly from you (forms, applications, emails, phone, meetings, online chat, social media).
From your authorised representatives (accountants, solicitors, agents).
From third parties with your consent (lenders, CRBs, employers, referees, suppliers).
From publicly available sources and via website analytics tools.
We use your information to:
Provide and administer finance broking and related services.
Assess your suitability for finance and prepare applications to lenders.
Verify your identity and manage fraud and financial crime risk.
Communicate with you and manage our relationship.
Comply with legal and regulatory obligations (including AML/CTF).
Improve our services, conduct analytics and marketing (including, where permitted, direct marketing).
We may disclose personal information to:
Lenders, loan aggregators and their related entities.
Credit reporting bodies and other credit providers (with your consent).
Your professional advisers (accountants, lawyers), valuers, insurers and brokers.
Identity verification service providers and fraud-prevention agencies.
Regulators and law enforcement, as required or authorised by law.
IT, cloud hosting and analytics providers we use to operate our business.
We may disclose your personal and credit information to our aggregator, National Mortgage Brokers Pty Ltd (ACN 093 874 376 / ACL 391209), its parent Liberty Financial Pty Ltd (ACN 077 248 983 / ACL 286596), and lenders on their panels (including Liberty Financial) as reasonably necessary to assess, submit and manage your credit application.
Some third-party service providers may store or access personal information outside Australia (for example, cloud hosting or analytics). Where this occurs, we take reasonable steps to ensure those recipients protect your information in a manner consistent with the APPs.
We may send you information about products and services we think may be of interest. You can opt out at any time using the unsubscribe link or by contacting us. Our website may use cookies and similar technologies to improve your experience and for analytics. You can adjust your browser settings to refuse cookies, however some features may not work.
We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. Measures include role-based access, encryption in transit, secure storage, staff training and secure disposal. We retain information for as long as needed for our business and legal purposes, then take reasonable steps to destroy or de-identify it.
As a finance broker, we handle credit information and credit eligibility information under Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. We may collect information about your credit history from you, from other credit providers and from credit reporting bodies (CRBs), and disclose information to them to assess your application for credit and to source suitable finance products from lenders.
The CRBs we commonly use include (as applicable):
Equifax (equifax.com.au)
illion (illion.com.au)
Experian (experian.com.au)
You can obtain each CRB’s policy about management of your credit information from their website, including how to access or correct your credit report or how to make a complaint.
You can request we do not use your information for prescreening of direct marketing by CRBs, and that CRBs not use or disclose your information if you reasonably believe you have been, or are likely to be, a victim of fraud.
You may request access to the personal information we hold about you, and request that it be corrected if you believe it is inaccurate, incomplete, out-of-date, irrelevant or misleading. We will respond within a reasonable period. We may need to verify your identity and, in limited circumstances, may refuse access in accordance with the law.
If you have a question or complaint about how we handle your personal information, please contact us using the details below. We will acknowledge your complaint promptly and aim to resolve it within 30 days. If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).
Office of the Australian Information Commissioner (OAIC)
oaic.gov.au | 1300 363 992 | GPO Box 5218 Sydney NSW 2001
Privacy Officer: Farmgate Agribusiness Finance
Email: cameron@farmgateaf.com.au
Phone: 0439 388 808
Postal: 46 Bailey Street, Bairnsdale VIC 3875
We may update this policy from time to time. The latest version will be available on our website and will include the effective date.
Our website (farmgateagrifinance.com.au) may use cookies, tracking pixels and similar technologies to operate, improve performance and measure engagement. We may use analytics services (e.g., Google Analytics) which collect information about your device, browsing actions and patterns. Social media platforms you use (e.g., Facebook, LinkedIn, YouTube) will handle your information under their own privacy policies.
We may be required to collect additional ‘know your customer’ (KYC) information and take steps to verify your identity under AML/CTF laws. Where we do so, we will handle this information in accordance with this Privacy Policy.
