Privacy Policy - DGI Finance

Last Updated: [Current Date]

DGI Finance and its associated entities (DGI Finance) aim to provide our customers with the best possible products and services. To achieve this, we aim to make efficient use of the personal information we collect from our customers.

We also want our customers to have confidence that in handling personal information, we afford that information an appropriate level of privacy, consistent with the Australian Privacy Principles and applicable privacy legislation.

Who are we?

DGI FINANCE
ABN: 84814104500
Australian Credit Representative: 570267
DGI Finance trades under Viking Aggregations Australian Credit License: 543046

Business Address:
2/290 Boundary Street Spring Hill, QLD, 4000

Contact: https://dgifinance.com.au/contact
Website: www.dgifinance.com.au

Industry Memberships:

Finance Brokers Association of Australia (FBAA) - Member: M-360181
Australian Financial Complaints Authority (AFCA) - Member: 115410

What is Personal Information?

Personal Information is any information about an individual that identifies them or by which their identity can reasonably be ascertained.

Why is Personal Information collected by DGI Finance?

DGI Finance collects the personal information it needs to provide our AI-powered lender matching platform and financial services. Those services include matching customers with appropriate lenders for various loan types including personal loans, car loans, business finance, and other financial products within Australia.

DGI Finance also collects personal information about its customers so that we can:

Complete our AI matching process
Facilitate loan applications with appropriate lenders
Provide customer support and guidance
Respond to customer inquiries and requests for product information
Meet regulatory and compliance requirements
Verify customer identity and financial information

Important: We only use your data for finance application purposes. Your data is safe and will never be used for any other purpose.

If DGI Finance is unable to collect personal information from or about an individual, we may not be able to provide our lender matching services to that individual.

How does DGI Finance collect personal information?

Where possible, DGI Finance will collect personal information directly from the individual through our online application platform. This includes information provided when:

Completing our online loan application form
Using our AI lender matching platform
Requesting product or service information
Communicating with our customer service team

We will also collect personal information during the course of our relationship with customers, for example where loan arrangements are varied, or new information is supplied and verified.

Sometimes, personal information may be collected from a source other than the individual to which it relates:

Where we obtain a credit report about an individual from Equifax or Illion in the course of our matching process
From accountants or financial advisors where we approach them in assessing a loan application
From employers for income verification purposes
Where an individual is an officer of a company applying for business finance

All personal information will always be handled by DGI Finance in accordance with this privacy policy.

Data Retention and AI Matching System

Important Data Protection Promise:

We keep your application data on our system for 30 days only
After 30 days, your data is automatically deleted from our systems
Your data is never used for purposes other than processing your finance application
Our AI matching system only uses your data to find suitable lenders for your specific needs

Do we disclose personal information to anyone else?

In providing our customers with our lender matching services, DGI Finance may need to disclose personal information to others, including:

Our Lender Panel: We work with 60+ trusted lenders including major banks, specialist lenders, and alternative finance providers. Your information may be shared with pre-qualified lenders as part of our matching process.

Our Lender Partners Include: Affordable Car Loans, AFS, Alex Bank, AMMF, Angle, ANZ, Autopay, Azora, Banjo, Bizcap, BOQ Consumer, Capital, Car Start, CBA, CFI Finance, Dynamoney, Finance One, Firstmac, Judo Bank, Latitude, Liberty, Lumi, Maple, Metro, Money3, MoneyMe, MoneyPlace, MoneyTech, Morris, Moula, NAB, NOW Finance, ORIX, Pepper, Plenti, Prospa, RACV, Rapid Loans, Resimac, Scotpac, Selfco, Society One, True Pillars, Veya Money, VW Financial, Westpac, WISR, and others.

Service Providers contracted to DGI Finance:

Credit reporting agencies (Equifax, Illion)
Technology providers (Firebase, CDN services)
Viking Aggregations (our principal under ACL 543046)
Professional verification services
Customer service platforms

Those contracted parties are not authorized by DGI Finance to use personal information for anything other than the purpose for which DGI Finance supplies that information to them.

Sometimes, the law requires us to disclose personal information, such as to courts, government agencies, or regulatory bodies.

We may also disclose an individual's personal information where the individual consents to us doing so.

Overseas Disclosure: DGI Finance may disclose personal information to overseas recipients only where necessary for cloud storage and technology services. Any overseas disclosure will be conducted in accordance with Australian Privacy Principles.

Direct Marketing

From time to time, we may use personal information to inform our customers about our lender matching services and special offers. We may also send customers material relating to joint promotions with our lender partners.

If you do not wish to receive this information, contact us through our website contact form or call 0412 610 384.

Once you let us know that you no longer wish to receive this information, we will stop sending it. You can change your mind about receiving information about our products and services at any time.

Ensuring Personal Information is Up-to-Date

We rely on the personal information we hold in conducting our business. Therefore, it is very important that the information we hold is accurate, complete and up-to-date.

We take reasonable steps to ensure that the personal information we hold is accurate, complete and up-to-date whenever we collect or use it. If you find that information we hold about you is incorrect, please contact us immediately through our website contact form and we will correct it.

Security of Personal Information

The security of information is extremely important to DGI Finance and we take all reasonable precautions to protect personal information from misuse, loss, unauthorized access, modification or disclosure.

Some of the ways we protect personal information include:

Secure cloud infrastructure through Firebase and CDN services
Restricted access to personal information to authorized staff only
Technology security measures including encryption, identifiers and passwords
Automatic deletion of application data after 30 days
Compliance with Australian Privacy Principles
Regular security reviews and updates

Website Information Collection

The type of personal information we collect on our website depends on how you use our lender matching platform.

When you visit www.dgifinance.com.au, we may record:

Your server address and domain name
The date and time of your visit
Pages viewed and application progress
Information collected through cookies to improve your experience

Cookies: We use cookies to enhance your experience with our lender matching platform. If you disable cookies, your use of our site may be affected.

Information collected about your visit is retained for up to 30 days for application processing and statistical purposes, after which it is automatically deleted.

You will not be required to provide personal information unless you request our lender matching services or information about our products.

Access to and Correction of Personal Information

You can access most of the personal information DGI Finance holds about you by contacting us through our website contact form or calling 0412 610 384.

If you request DGI Finance to correct personal information we hold about you, we will take reasonable steps to correct the information to ensure it is accurate, up to date, complete, relevant and not misleading.

Depending on the amount of information requested, DGI Finance may charge an access fee to cover the cost of retrieving and supplying the information.

Access to personal information may be refused in circumstances such as where the information relates to anticipated legal proceedings or the request is frivolous or vexatious. If we deny or restrict access, we will explain why.

Resolving Concerns and Complaints

If you believe that the privacy of your personal information has been compromised, you are entitled to complain.

Step 1: Contact DGI Finance directly through our website contact form at www.dgifinance.com.au or call 0412 610 384. We will respond to complaints as soon as possible.

Step 2: If you disagree with our decision, you may refer your complaint to:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Post: GPO Box 3, Melbourne VIC 3001

Office of the Australian Information Commissioner
Website: www.oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au

Changes to This Privacy Policy

DGI Finance may update this privacy policy from time to time. The current version will always be available on our website at www.dgifinance.com.au.

Additional Information

If you would like more information about DGI Finance's approach to privacy, please contact us through our website contact form at www.dgifinance.com.au or call 0412 610 384.

Professional Qualifications: Certificate IV in Finance and Mortgage Broking
Trading Under: Viking Aggregations ACL: 543046
Authorized Credit Representative: 570267