Handled carefully.
Used with purpose.

Purpose and scope

Falcon Lending Solutions respects the privacy of clients, prospective clients and website visitors.

This Privacy Policy explains how personal information may be collected, held, used and disclosed when you visit this website, contact us or engage us for lending assistance.

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable.

Where applicable, personal information will be handled in accordance with the Privacy Act 1988, the Australian Privacy Principles and other relevant legal obligations.

Information we collect

The information collected depends on your enquiry and the service being provided. It may include:

• Your name, phone number, email address and address.
• Identification information, including date of birth and identity-document details.
• Employment, business, income and financial information.
• Information about assets, liabilities, expenses, dependants and existing credit commitments.
• Details about the property, loan or lending objective you are considering.
• Documents provided to support an enquiry or credit application.
• Information about your interactions and communications with Falcon Lending Solutions.
• Technical information generated when you use this website.

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

How information is collected

Where practical, information is collected directly from you. This may occur when you:

• Submit an enquiry through this website.
• Speak with Prasanth by phone or video appointment.
• Communicate by email or another agreed channel.
• Provide documents or complete an application.
• Ask Falcon Lending Solutions to contact a third party.

Information may also be received from authorised representatives, joint applicants, accountants, solicitors, real estate professionals, valuers, lenders, credit reporting bodies, aggregators and other service providers involved in a proposed transaction.

How information is used

Personal information may be used to:

• Respond to questions and website enquiries.
• Understand your objectives, circumstances and lending requirements.
• Assess and discuss potential lending pathways.
• Prepare, submit and manage credit applications where you have authorised us to do so.
• Communicate with lenders and relevant service providers.
• Meet legal, regulatory, compliance and record-keeping requirements.
• Manage complaints, enquiries and service quality.
• Maintain, secure and improve this website and our services.

Personal information will not be used for an unrelated purpose unless you have consented or the use is otherwise permitted or required by law.

When information is disclosed

Where reasonably necessary to provide services or meet legal obligations, information may be disclosed to:

• Banks, lenders and other credit providers.
• The applicable credit licensee, aggregator and their related service providers.
• Credit reporting bodies and identity-verification providers where authorised or permitted.
• Solicitors, accountants, valuers, insurers and other professional advisers.
• Technology, document-storage, communication and administrative service providers.
• Government agencies, regulators, courts or law enforcement where required or authorised by law.
• Any other party you authorise us to contact.

Some technology or service providers may store or process information outside Australia. Where this occurs, reasonable steps will be taken to ensure information is handled appropriately, subject to applicable legal requirements.

Storage and security

Personal information may be held electronically, in cloud-based systems or in other secure business records.

Reasonable administrative, technical and physical measures are used to protect personal information against misuse, interference, loss, unauthorised access, modification and disclosure.

No internet transmission or storage system can be guaranteed to be completely secure. You should avoid sending sensitive documents through an unapproved or insecure communication channel.

Information is retained for as long as reasonably required to provide services and satisfy legal, regulatory and record-keeping obligations. When information is no longer required, reasonable steps may be taken to destroy or de-identify it.

If an eligible data breach occurs, notification obligations will be assessed and managed in accordance with applicable law.

Website data and cookies

This website may collect technical information such as your device type, browser, approximate location, referring website, pages viewed and the date and time of your visit.

Cookies and similar technologies may be used to support website functionality, security, performance measurement and analytics.

You can control or disable cookies through your browser settings. Some website features may not function properly if cookies are disabled.

This website may contain links to external websites. Falcon Lending Solutions is not responsible for the privacy practices or content of external websites.

Access and correction

You may request access to personal information held about you or ask for inaccurate, out-of-date, incomplete, irrelevant or misleading information to be corrected.

Before providing access or making a correction, reasonable steps may be taken to verify your identity and authority.

Access may be limited or refused where permitted by law. If a request cannot be fulfilled, you will be informed where required, including any available complaint options.

Privacy questions and complaints

If you have a question or concern about how your personal information has been handled, contact Prasanth using the details below.

Please provide enough information to identify the issue. The matter will be reviewed and a response provided within a reasonable period.

If you are not satisfied with the response and Australian privacy law applies, you may be able to contact the Office of the Australian Information Commissioner.

Visit oaic.gov.au/privacy/privacy-complaints for further information.