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Privacy Disclosure & Consent
EFFECTIVE DATE JAN 2026
Privacy Disclosure Acknowledgement and ConsentX Lend Finance Pty LtdABN: 46 665 041 136ACN: 665 041 136Level 6, 85 George Street, Parramatta NSW 2150Phone: 0477 771 508Email: info@xlend.com.auWebsite: www.xlend.com.auAuthorised Credit Representative #546635 of Australian Credit Licence #414426(AFAS Group Pty Ltd, ABN 12 134 138 686)Overview – PrivacyX Lend Finance Pty Ltd (‘we’, ‘us’, ‘our’) collects and uses your personal and credit information in accordance with Australia’s privacy and credit reporting laws. By signing this document or continuing with your application, you consent to the collection, use and exchange of your information as outlined.We collect information to assist with:Consumer or commercial credit for personal or business purposesGuarantor applicationsInsurance sourcingManaging your application and related servicesIf you do not provide this information, we may be unable to assist with your application.Information Use and DisclosureWe may:Disclose your identification details to credit reporting bodies (CRBs)Use CRB data to assess your applicationDisclose your details to insurersShare your credit information with credit providers to submit applications on your behalfWe only use or disclose your information where legally permitted, or with your consent.Credit ProvidersWhen we act on behalf of a credit provider, we are bound by the same privacy obligations. We may submit applications to multiple providers. Those providers may exchange your data with CRBs to:Assess your application or guaranteeNotify of defaults or serious credit infringementsFulfil legal disclosure requirementsEach lender's website includes their privacy and credit reporting policies.Your RightsYou have the right to:Access or correct personal information we hold about youRequest our privacy policy in print or electronic formatAsk CRBs not to use your data for direct marketing or pre-screeningBe notified if you are subject to fraudTo exercise these rights, contact our Privacy Officer:The Privacy OfficerX Lend Finance Pty LtdLevel 6, 85 George Street, Parramatta NSW 2150Phone: 0477 771 508Email: info@xlend.com.auElectronic Communication Consent (ECC)By giving your consent:You acknowledge you may no longer receive paper copiesYou agree to check electronic communications regularlyYou may withdraw consent at any timeYou authorise X Lend to deliver:Credit Guides, assessments, contracts, and required noticesOther relevant documents via electronic methods (e.g. email)You also authorise X Lend to accept instructions you send electronically.Providing Information About OthersIf you give us personal information about someone else (e.g. a referee or guarantor), you confirm that you’ve informed them of this document and how their information may be used.Disclosure and ConsentBy signing or proceeding with your application, you agree we may:Assess your credit and/or guarantor applicationSource finance and/or insurance on your behalfDisclose your personal or credit information to relevant credit providers, insurers, or contractorsUse your data to offer related products or services unless you opt outShare your data with service providers (e.g. IT, legal, marketing, printing)Share your information with any potential business acquirer of X LendYou also agree to CRBs sharing your information with:Credit providers for application assessmentGuarantors or prospective guarantors for risk evaluationOther credit providers for lawful purposesComplaintsInternal Dispute Resolution:Email: complaints@xlend.com.auWe aim to resolve all complaints quickly and fairly.External Dispute Resolution:If unresolved after 45 days, escalate to:Australian Financial Complaints Authority (AFCA)Website: www.afca.org.auEmail: info@afca.org.auPhone: 1800 931 678Mail: GPO Box 3, Melbourne VIC 3001AFCA Membership Number: 546635AuthorisationYou authorise us to obtain credit reports from CRBs on your behalf. This authorisation remains valid until we cease acting on your behalf.
