Privacy Policy

Information We Collect

What Information We Collect

Breezy Loans Pty Ltd (ABN: 29 627 702 943) trading as Breezy Business Loans ("we", "us", "our") collects personal and business information necessary to provide our loan referral and comparison services. We collect information in the following ways:

Information You Provide Directly

• Identity information: Full name, date of birth, driver's licence number (where required).
• Contact information: Email address, phone number, residential or business address, state.
• Financial information: Loan amount requested, loan purpose, monthly business revenue, credit history status.
• Business information: Business name, ABN, industry, time trading, business performance.
• Property information: Property type, estimated value, existing mortgage balance (for equity loan applications).
• Communications: Emails, enquiries, and complaints you send to us.

Information Collected Automatically

• Usage data: Pages visited, time spent on pages, click patterns, browser type, device type, operating system.
• Traffic data: IP address, geographic location (city/region level), referring website, search terms used to find us.
• Campaign data: Google Ads click IDs (GCLID), UTM parameters, and campaign tracking information used to measure advertising effectiveness.
• Cookie data: See the Cookies section below for details.

How We Use It

How We Use Your Information

We use your personal and business information for the following purposes:

• Processing applications: Assessing your loan enquiry and forwarding your application to appropriate lenders in our network.
• Communication: Contacting you regarding your application, follow-up information required, and application outcomes.
• Compliance: Meeting our obligations under the National Consumer Credit Protection Act, AML/CTF Act, Privacy Act, and ASIC regulations.
• Service improvement: Analysing how our website and services are used to improve user experience and product offerings.
• Marketing: Sending relevant product information and offers (with your consent and subject to your opt-out rights).
• Advertising analytics: Measuring the effectiveness of our Google Ads campaigns and other marketing activities using anonymised or aggregated data.
• Fraud prevention: Detecting and preventing fraudulent applications and misuse of our platform.

We do not use your information for automated decision-making that produces legal effects or significantly affects you without human review.

Disclosure of Information

Who We Share Your Information With

We may disclose your personal and business information to:

• Lenders in our network: Licensed credit providers who independently assess your loan application.
• Credit reporting bodies: Where required by lenders as part of their credit assessment process.
• Technology service providers: Cloud hosting, email delivery, form processing, and analytics providers who process data on our behalf under strict confidentiality obligations.
• Google LLC: Via Google Analytics and Google Ads for website analytics and campaign measurement (anonymised/aggregated where possible).
• Regulatory authorities: ASIC, AFCA, the ATO, or law enforcement where required by law or court order.

All third parties we share data with are required to handle your information in accordance with the Privacy Act 1988 or equivalent privacy standards.

Storage & Security

How We Store and Protect Your Information

We take reasonable technical and organisational measures to protect your personal information from unauthorised access, use, disclosure, alteration, or destruction. These measures include:

• SSL/TLS encryption for all data transmitted to and from our website.
• Secure server infrastructure hosted in Australian or compliant offshore data centres.
• Access controls limiting who within our organisation can access personal data.
• Regular security reviews and vulnerability assessments of our systems.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Generally:

• Application data is retained for 7 years for compliance and audit purposes.
• Marketing preferences and communication records are retained for 3 years from your last interaction.
• Website usage analytics data is retained for up to 26 months.

When data is no longer needed, it is securely deleted or de-identified.

Your Rights

Your Privacy Rights

Under the Privacy Act 1988 (Cth) and Australian Privacy Principles (APPs), you have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate, outdated, or incomplete information.
• Deletion: Request deletion of your personal information (subject to our legal obligations to retain certain data).
• Opt-out of marketing: Unsubscribe from marketing communications at any time.
• Complaint: Lodge a complaint if you believe your privacy has been breached.

To exercise any of these rights, contact us at hello@breezybusinessloans.com.au. We will respond within 30 calendar days. If you are dissatisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.

Cookies

Cookies & Tracking Technologies

We use cookies and similar technologies including Google Analytics, Google Tag Manager, and Google Ads conversion tracking. These help us understand how visitors use our website and measure the effectiveness of our advertising campaigns.

Google Ads tracking (including GCLID parameters) may record which search terms led you to our website and whether your visit resulted in an application. This data is used solely for campaign optimisation and is not linked to your personal identity without your consent.

You can control cookies via your browser settings or via Google's privacy controls at myaccount.google.com. Note that disabling cookies may affect website functionality.

Contact the Privacy Officer

Contact Our Privacy Officer

This Privacy Policy was last reviewed and updated in March 2026. We may update it periodically — the current version is always available at breezybusinessloans.com.au/privacy-policy.