Privacy Policy

1. About this Policy

Ex Nihilo Finance Pty Ltd ("Ex Nihilo", "we", "us", "our") is committed to protecting the privacy of individuals who interact with our website, products, and services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our website or applying for finance, you consent to the collection and use of your information as described in this Policy.

2. What information we collect

Information you give us directly

• Contact details: name, email address, phone number, business address
• Business information: ABN, business name, structure, industry, time trading
• Financial information: revenue, expenses, bank statements, tax returns
• Identity information: date of birth, driver licence or passport number (for credit and identity verification)
• Loan application details: amount requested, purpose, repayment preferences

Information collected automatically

• Website usage data (pages visited, time on site, referral source)
• Device and browser information (IP address, browser type, operating system)
• Cookies and similar tracking technologies (see Section 7 below)

Information from third parties

• Credit information from credit reporting bodies (e.g., Equifax, Illion)
• Bank statement data provided via our bank statement portal (powered by Illion)
• Public registers (ASIC, ABR)

3. How we use your information

We use your personal information to:

• Assess and process your finance application
• Conduct credit and identity checks
• Communicate with you about your application, account, or enquiry
• Meet our legal and regulatory obligations
• Improve our website, products, and services
• Send you information about our products and services (where you have consented)

4. Who we share your information with

We may disclose your personal information to:

• Credit reporting bodies — for credit assessment and fraud prevention
• Funding partners and lenders — to facilitate the lending arrangement
• Service providers — including technology, banking data, legal, and compliance partners who assist us in delivering our services
• Regulators and law enforcement — where required by law

We do not sell your personal information to third parties.

5. Credit reporting

By applying for finance, you authorise Ex Nihilo Finance to obtain a credit report about you from a credit reporting body for the purpose of assessing your creditworthiness. We handle credit information in accordance with the Privacy Act 1988 and the CR Code.

6. How we protect your information

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. Our security measures include encrypted data storage, secure bank-grade data transmission, access controls, and staff training.

Bank statement data is collected via Illion's secure portal and is subject to Illion's own Privacy Policy and security practices in addition to ours.

7. Cookies

Our website uses cookies to improve your experience and to understand how our site is used. You can disable cookies in your browser settings, though some features of the site may not work as intended.

8. Accessing and correcting your information

You have the right to access the personal information we hold about you, and to request corrections if it is inaccurate or out of date. To make a request, please contact us using the details below. We will respond within 30 days.

9. Complaints

If you have a complaint about how we have handled your personal information, please contact us first. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

10. Changes to this Policy

We may update this Privacy Policy from time to time. The current version is always available on this page. If we make material changes, we will notify you by email or a notice on our website.