Privacy Policy

About this policy

Machine Finance Pty Ltd (ABN 29 657 970 235) trades as MFG Finance and MFG Earthmoving Finance. In this policy, “MFG”, “we”, “us” and “our” refer to Machine Finance Pty Ltd.

We respect your privacy and are committed to handling personal information openly and carefully. This policy explains the information we collect and hold, how we use and disclose it, and how you can request access, correction or make a complaint.

Personal information we collect

The information collected depends on how you deal with us and the finance services requested. It may include:

• name, email address, telephone number and contact details;
• position, employer, business name, ABN and business contact information;
• details about equipment, fleets, proposed purchases, sellers, business use, requested funding and timing;
• financial information about an applicant, guarantor or related business, including financial statements, bank statements, assets, liabilities, income and expenditure;
• identity, verification and compliance information where required;
• correspondence, enquiries, complaints and records of our dealings with you; and
• technical website information such as IP address, browser type, device information, referring pages and basic usage data.

We generally do not ask for sensitive information unless it is reasonably necessary for the requested service and we are permitted to collect it.

How we collect information

We usually collect personal information directly from you through website forms, telephone calls, email, meetings and finance applications. We may also collect relevant information from:

• your authorised representatives, advisers, employees, directors or related entities;
• equipment dealers, manufacturers, brokers, sellers, auctioneers, valuers and other transaction participants;
• lenders, financiers, insurers, credit reporting bodies and verification providers, where authorised or permitted by law;
• referral partners and professional advisers; and
• public registers, publicly available sources and service providers.

If you provide information about another person, you should ensure you are authorised to do so and that the person understands how their information may be handled.

Why we collect, use and disclose information

We may collect, hold, use and disclose personal information to:

• respond to enquiries and understand funding requirements;
• assess, structure, prepare, submit and manage finance applications and transactions;
• identify suitable lenders or finance providers and communicate with them on your behalf;
• arrange valuations, inspections, insurance, documentation, registrations and settlement steps;
• verify identity, prevent fraud and meet legal, regulatory and compliance obligations;
• manage our relationship with you, maintain records and improve our website and services; and
• send relevant marketing communications where consented to or otherwise permitted by law. You may opt out at any time.

If required information is not provided, we may be unable to assess an enquiry, approach a lender or provide the requested service.

Who we may share information with

Where reasonably necessary, we may disclose personal information to banks, non-bank lenders and funders; equipment dealers, manufacturers, brokers, sellers, valuers, inspectors and insurers; lawyers, accountants and other professional advisers; identity verification, fraud prevention, credit reporting and compliance providers; operational technology providers; regulators and dispute resolution schemes where required; and other parties where you have consented or directed us to do so. We do not sell personal information.

Online enquiries and overseas service providers

Our website and enquiry pathways may use third-party hosting, form processing, email and technology providers. Some providers or infrastructure may be outside Australia, including in the United States and other jurisdictions in which those providers operate. Privacy laws in those jurisdictions may differ from Australian law.

Please do not submit identity documents, bank statements or other highly sensitive material through a general website enquiry. James will provide an appropriate method for supplying application documents after making contact.

Security and retention

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure. No internet transmission or storage system can be guaranteed completely secure. We retain information for as long as reasonably necessary for our services, legal and regulatory obligations, dispute management and legitimate business purposes, then take reasonable steps to destroy or de-identify it.

Access and correction

You may request access to personal information we hold about you or ask us to correct information you believe is inaccurate, out of date, incomplete, irrelevant or misleading. We may need to verify your identity before responding. In some circumstances, access may be refused or limited where permitted by law; if so, we will generally explain the reason and available complaint options.

Privacy questions and complaints

Please contact us first with a privacy question or complaint. We will acknowledge and investigate complaints and aim to respond within 30 days.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner. For a complaint relating to a financial service, you may also be able to contact the Australian Financial Complaints Authority. Our AFCA membership number is 89354.

Changes to this policy

We may update this policy to reflect changes to our business, technology, service providers or legal obligations. The current version will be published here with its last updated date.