Privacy Policy

Blue Cow Finance (“we”, “us”, “our”) is committed to protecting your privacy and handling personal information in an open and transparent way. This Privacy Policy explains how we collect, use, store and disclose personal information when you interact with us — including through our website, forms, phone, email and other communications. We generally handle personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable law.
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1. Who we are & how to contact us
Blue Cow Finance Pty Ltd (ACN: 668 714 734)
Address: 1/56 Clarence Street, Sydney 2000
Phone: 1300 009 269
Email: info@bluecowfinance.com.au

2. What is personal information?
“Personal information” generally means information or an opinion about an identified individual, or an individual who is reasonably identifiable. Some of the personal information we collect may include credit-related information that is used to assess eligibility for finance (for example, outstanding finance, repayment history and defaults).

3. How we collect personal information
Where reasonable and practical, we collect personal information directly from you (e.g., in person, over the phone, electronically, and through your interaction with our website and online forms). We may also collect personal information from other people or organisations where relevant to your enquiry or application, such as:
- joint applicants, co-applicants, or guarantors/proposed guarantors;
- your employer, real estate agent, referees, or identity verification services;
- your representatives (e.g., solicitors, accountants, conveyancers);
- lenders, intermediaries, or other service providers involved in managing or administering finance;
- credit reporting bodies and credit providers (where you authorise us and where permitted by law).
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4. What personal information we may collect and hold
We usually collect personal information directly from you, but we may also collect it from third parties where you have authorised this or where permitted by law. Depending on your circumstances, the kinds of personal information we may collect include:
(a) Identification and contact details
Name, email address, phone number, residential address, and date of birth.
(b) Finance and application-related information (where relevant)
Information about what you’re looking to achieve, loan requirements and objectives, employment details, income and expenses, assets and liabilities, and other information you provide to help us assess options.
(c) Credit-related information (where relevant)
Information that may relate to eligibility for finance or credit worthiness as part of providing credit assistance and supporting an application process.
(d) Sensitive information (limited)
In limited situations (for example, where insurance products are involved), we may collect sensitive information such as health information. Where this occurs, we will generally only collect sensitive information where reasonably necessary and with your consent.
e) Website and device information
When you visit our website, we may collect technical and usage information such as IP address, browser/device type, pages visited, and interactions (often via cookies or analytics tools).
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5. Why we collect and use personal information
We collect, hold, use and disclose personal information for purposes including:
- responding to enquiries and providing information requested by you;
- assessing your application for finance and managing that finance;
- providing credit assistance and supporting the application process with prospective funders or intermediaries;
- communicating with you and managing our relationship with you;
- carrying out business processing and administrative functions (including use of systems and service providers);
- managing risk and meeting legal and regulatory obligations;
- where permitted, direct marketing and offering other products or services that may be relevant to you.
If you do not provide personal information or do not allow us to collect it, we may not be able to provide services to you (or may be limited in doing so), including progressing an application.

6. Who we may disclose personal information to
We only disclose personal information where necessary to provide our services, where you consent, or where required or authorised by law. Depending on your enquiry, we may disclose your personal information to:
- prospective funders/lenders/lessors or intermediaries in relation to your finance requirements;
- organisations involved in managing or administering finance (e.g., third-party suppliers, call centres, printing/postal services);
- companies that provide information and infrastructure systems to us (including cloud/IT service providers);
- your representatives (e.g., lawyers, accountants) and other parties you authorise;
- your employer, referees, or identity verification services (where relevant);
- regulators, law enforcement agencies, or others where required by law;
- any other party where you have provided consent.
Before disclosing personal information, we take reasonable steps to satisfy ourselves that the recipient will handle personal information appropriately or that you have consented to the disclosure.

7. Overseas disclosure
We may disclose personal information to related entities and third-party suppliers/service providers located overseas for some of the purposes above. We take reasonable steps to ensure overseas recipients do not breach privacy obligations relating to your personal information where required. Some service providers may be located outside Australia, and personal information may be stored in cloud services that could involve overseas locations. If information is stored or processed overseas, it may be subject to foreign laws and may not always receive the same protections as under Australian privacy law.

8. Automated decision-making (support tools)
We may use computer systems to support our services, including filtering or identifying finance products that may be suitable based on information you provide and product eligibility criteria. Where we use these tools, the final decision about what is recommended or made available to you is made by our team, not by an automated system alone.

9. Direct marketing
From time to time, we may use your personal information to provide you with information about finance, offers you may find of interest, changes to our organisation, or new products or services offered by us or associated businesses. You may opt out at any time by contacting us using the details in section 1. If marketing is sent by email, you can also use the unsubscribe function where available.

10. Accessing and correcting your personal information
It is important to us that the personal information we hold about you is accurate and up to date. We may ask you to inform us if your information changes. You may request access to the personal information we hold about you and request correction if it is inaccurate, out of date, incomplete, irrelevant or misleading. We may need to consult with other entities as part of our investigation of an access or correction request. There may be circumstances where we are not required to provide access (for example, where the information relates to legal proceedings or the request is vexatious). If we deny access or correction, we will provide an explanation.

11. Business without identifying you
In most circumstances it will be necessary for us to identify you to do business with you. However, where lawful and practicable, we will offer you the opportunity to interact with us without identifying yourself (for example, making general enquiries).

12. Security of your personal information
We take reasonable steps to protect personal information we hold from misuse, interference and loss, and from unauthorised access, modification or disclosure. We store personal information in paper and electronic form and use measures appropriate to our operations to protect it.

13. Complaints
If you are dissatisfied with how we have handled your personal information or have a privacy complaint, please contact us using the details in section 1 (preferably in writing so we can clearly understand the issue). We will acknowledge and respond within a reasonable timeframe. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC):
- Website: https://www.oaic.gov.au/
- Phone: 1300 363 992

14. Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in law, technology, or business practices. The latest version will be published on this page and will show the “Last updated” date.

Last updated: April 2026