Privacy Policy

PANDA MONEY PTY LTD and PANDA MONEY AGGREGATION PTY LTD (collectively referred to as "Panda Money", "we", "us", "our") respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, hold, use, and extensively share personal information in connection with our business, including commercial and business finance enquiries, funding discussions, aggregations, referrals, and related services.

We handle personal information in an open and transparent manner and take reasonable steps to comply with applicable Australian privacy laws, including the Privacy Act 1988 (Cth).

1. What personal information we may collect

Depending on the nature of your dealings with us, we may collect personal information such as:

• your name, date of birth, and identification details;
• phone number and email address;
• business name, trading name, and ABN/ACN details;
• credit history, financial statements, assets, liabilities, income, and expenses;
• information about your finance enquiry, funding needs, or borrowing requirements;
• documents and supporting information you provide during an enquiry, assessment, or referral process;
• records of communications with us; and
• website usage information, device information, cookies data, and analytics information.

2. How we collect personal information

We may collect personal information directly from you when you:

• contact us by phone, email, website form, or social media;
• submit an enquiry regarding commercial or residential finance;
• provide documents or information for assessment, referral, or review purposes;

We may also collect personal information from third parties where reasonably necessary, including:

• your authorised representatives, accountants, or legal advisers;
• business partners, referrers, co-brokers, or introducers;
• credit reporting bodies and identity verification services; and
• publicly available sources.

3. Why we collect, hold, use and disclose personal information

To provide our services efficiently, extensive information sharing is essential. We collect, hold, use, and disclose your personal information for purposes including:

• assessing and considering your commercial or business finance requirements;
• introducing, aggregating, or referring your application to lenders, credit providers, funders, and aggregators relevant to your enquiry;
• exchanging information with credit reporting bodies to evaluate your creditworthiness;
• managing our relationship with you and facilitating funding discussions;
• internal administration, record keeping, compliance, risk management, and commission processing; and
• meeting legal, regulatory, and other lawful obligations.

4. Who we may disclose personal information to

By using our services, you expressly consent to the broad disclosure of your personal information. Where reasonably necessary, we may disclose your information to:

• Lenders, banks, funders, and credit providers to secure finance;
• Aggregators, broker groups, and co-brokers who assist in the facilitation of our services;
• Credit reporting bodies (such as Equifax, Illion, or Experian) and valuation service providers;
• our employees, contractors, consultants, and affiliated entities;
• technology, cloud storage, software, hosting, and CRM platform providers;
• professional advisers such as accountants, lawyers, and compliance auditors; and
• government agencies, regulators (e.g., ASIC, AUSTRAC), law enforcement bodies, or dispute resolution bodies (e.g., AFCA) where required or authorised by law.

5. Overseas disclosure

Some of our service providers that assist with technology, CRM administration, cloud storage, or hosting may be located overseas or may store data overseas from time to time. This may include providers operating in jurisdictions such as the United States, Singapore, China, or others. We take reasonable steps to ensure that overseas recipients handle your data in accordance with Australian privacy obligations.

6. Website usage, cookies and analytics

Our website may use cookies, analytics tools, server logs, and similar technologies to help us understand site traffic, improve website functionality, maintain security, and enhance user experience. You can manage cookies through your browser settings.

7. Direct marketing

We may use your contact details to send you information about our services where permitted by law. You may opt out of receiving marketing communications from us at any time by contacting us.

8. Storage, security, and liability limitations

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure. To the maximum extent permitted by law, we disclaim liability for any unauthorised access, data breaches, or third-party misuse of your information once it has been shared in accordance with this Policy.

9. Access and correction

You may request access to personal information we hold about you and request correction of personal information that is inaccurate, out of date, incomplete, irrelevant, or misleading. We may need to verify your identity before processing your request.

10. Complaints

If you have a complaint about how we handle your personal information, please contact us using the details below. We will aim to investigate and respond as soon as reasonably practicable. If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).

11. How to contact us

For privacy-related enquiries, access requests, correction requests, or complaints, please contact us using the details above.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal obligations, or operational requirements. The current version will always be made available on this page.