a) We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of the personal information we hold about you and what we do with that information.We recognize that any personal information we collect about you will only be used for the purposes we have collected it or as allowed by Law Privacy Act 1988 (Privacy Policy) It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures the protection of your personal information.

b) Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information as set out in the Privacy Act and any other relevant laws.

c) The headings of each section in this Policy are only for the purpose of organizing the various provisions under this Policy in an orderly manner and shall not be used by either Party to interpret the provisions contained herein in any manner. Further, it is specifically agreed to by the Parties that the headings shall have no legal or contractual value.

d) This Privacy Policy applies to our Australian Websites. This Privacy Policy does not apply to websites that we do not operate, such as linked third-party websites. Those website owners are responsible for the privacy of the information they collect and should be contacted directly for details of their privacy policies. If we refer you to a third-party website, we are not making any representations to you regarding the privacy or security of your Personal Information when collected or held by the other website. The privacy practices applicable to other websites may differ substantially from ours. You should read the privacy policy of any other websites you visit before using them. We do not accept responsibility for the content or practices of websites operated by third parties that are linked to our websites.

e) The Company reserves the sole and exclusive right to amend or modify this policy & upload the revised policy on the website The User also has a duty to periodically check the terms and stay updated on its requirements. In so far as the User complies with this policy, he/she is granted a personal, non-exclusive, non-transferable, revocable, limited privilege to enter and use the Website.

2. Personal Information

a) When we refer to the personal information, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you.

b) The kinds of personal information we may collect about you include your name, date of birth, address, email address, phone number, account details, occupation, transaction history and any other information we made need to identify you and the reason you might be applying for a financial product we supply. (The types of information we collect will depend on the type of product or service requested by you.) We also collect information where we are required to do so by law.

c) We may also collect information regarding your internet activity (including your location) when you use our website or online services.

d) We do not seek to collect sensitive information unless it is necessary for our business purposes. Sensitive information includes information about your health, racial or ethnic origin, religious beliefs, and criminal record. If we do have to collect sensitive information, we will do so in accordance with the Australian Privacy Principles — for example, we will only collect sensitive information about you with your consent and where it is reasonably necessary for us to do so, or if we are otherwise allowed or required by law to collect that information. If you provide us with sensitive information, we will consider that you have consented to us collecting it.

e) If the User chooses to post messages/reviews/feedback anywhere on the Website, including but not limited to message boards, chat rooms, other message areas, etc., the User is aware that any and all such information provided/uploaded will be collected and stored by the Company and that such retained information may be used to resolve disputes, provide customer support, troubleshoot problems, etc., and that such information, if requested, may be provided to judicial or governmental authorities of requisite jurisdiction, or otherwise used by the Company/Website as permitted by applicable laws.

f) The User is aware that any and all information pertaining to the User collected by the Company, whether or not directly provided by the User to the Company/Website, including but not limited to personal correspondence such as emails or letters, feedback from other users or third parties regarding the Users activities or postings on the Website, etc., may be collected and compiled by the Company/Website into a file/folder specifically created for / allotted to the User, and the User hereby expressly consents to the same.

g) The User is aware that while he/she can browse some sections of the Website without being a registered user, certain activities (such as placing an order) require the User to provide valid personal information to the Company/Website for the purpose of registration. The User is aware that the contact information provided to the Company/Website may be used to send the User offers and promotions, whether or not based on the Users previous orders and interests, and the User hereby expressly consents to receiving the same.

h) The User is aware that the Company/Website may occasionally request the User to complete optional online surveys. These surveys may require the User to provide contact information and demographic information (like zip code, age, income bracket, sex, etc.). The User is aware that this data to is used to customize the Website for the benefit of the User, providing all users of the Website with products/services/content they might be interested in availing of, and also to display content according to the Users preferences.

h) Nothing contained herein shall be deemed to compel the Website/Company to store, upload, publish, or display in any manner content/reviews/surveys/feedback submitted by the User, and the User hereby expressly authorizes the Website/Company to remove from the Website any such content, review, survey, or feedback submitted by the User, without cause or being required to notify the User of the same.


a) The User is aware that a ‘Cookie’ is a small piece of information stored by a web server on a web browser so it can later be traced back from that particular browser, and that cookies are useful for enabling the browser to remember information specific to a given user, including but not limited to a users login identification, password, etc. The User is aware that the Website places both permanent and temporary cookies in the Users computers hard drive and web browser and does hereby expressly consent to the same.

b) The User is further aware that the Website uses data collection devices such as cookies on certain pages of the Website to help analyse web page flow, measure promotional effectiveness, and promote trust and safety, and that certain features of the Website are only available through the use of such cookies. While the User is free to decline the Websites cookies if the Users browser permits, the User may consequently be unable to use certain features on the Website.


a) The User is aware that the Website/Company may share the Users personal information with other corporate entities and affiliates to provide better services, help detect and prevent identity theft, fraud, and other potentially illegal acts; correlate related or multiple accounts to prevent abuse of the Websites services; and to facilitate joint or co-branded services, where such services are provided by more than one corporate entity.

b) The User is aware that the Website/Company may disclose personal information if required to do so by law or if the Website/Company in good faith believes that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal processes. The Website/Company may also disclose the Users personal information to law enforcement offices, third party rights owners, or other third parties if it believes that such disclosure is reasonably necessary to enforce the Terms or Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of its users, or the general public.

c) The User is further aware that the Website/Company and its affiliates may share/transfer some or all of the Users personal information with other business entities should the Company/Website (or its assets) plan to merge with, or be acquired by a such business entity, or in the event of re-organization, amalgamation, or restructuring of the Companys business. Such business entity or new entity will continue to be bound be the Terms and Policy, as may be amended from time to time.

5. How do we protect personal information?

We take all reasonable steps to protect your personal information (including credit information and credit eligibility information) from misuse, loss, and unauthorised access, modification, or disclosure. These include:

  • Using appropriate information technology and processes.
  • Restricting access to your personal information to our employees and those who perform services for us who need your personal information to do what we have engaged them to do..
  • Protecting paper documents from unauthorised access or use through security systems we deploy over our physical premises.
  • Using a computer and network security systems with appropriate firewalls, encryption technology, and passwords for the protection of electronic files.
  • Securely destroying or “de-identifying” personal information if we no longer require it subject to our legal obligations to keep some information for certain prescribed periods; and
  • Requesting certain personal information from you when you wish to discuss any issues relating to the products and services, we provide to you.

6. Third Parties

Our Online Platform may contain hyperlinks to websites owned and operated by third parties and advertisements by independent third-party sellers. These third-party sellers and third-party websites may have their privacy policies and are also likely to use cookies, and we, therefore, urge you to review them. They will govern the use of personal information you submit when visiting these websites, which may also be collected by cookies. We do not accept any responsibility or liability for the privacy practices of such third-party websites and your use of such websites is at your own risk.

7.User's Consent

User expressly consents to the collection, use, disclosure & storage of the information provided/disclosed by the User on the Website in accordance with this Policy.

8. Complaint

a) If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer by email at: [email protected]

b) We will acknowledge your complaint within seven days. We aim to provide you with a decision on your complaint within 30 days.

c) If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, the Australian Financial Complaints Authority (AFCA) which can be contacted at either or 1800 931 678 or the Privacy Commissioner which can be contacted on either or 1300 363 992.


The website provides general information about various loan products, insurance products, credit scores & links to other websites or resources over which does not have control as such information & links are received from the Banks, NBFCs, Insurance companies & credit rating agencies. Users of this website acknowledge that is providing this information & links only as a convenience, and further agree that is not responsible for the veracity of such information. Please note that you before you decide whether or not to acquire a particular financial product you should assess whether it is appropriate for you in the light of your own personal circumstances, having regard to your own objectives, financial situation and needs. Confirm all product information directly with the provider of resepctive financial product before making a purchase decision. If you decide to acquire a financial product, you will deal directly with the provider and not with Urban Money Oceania and that neither nor its directors, employees, partners, and associated staff are not accountable for any loss, harm, or damage due to usage of information from this website. And further that users use of links to such external websites are subject to the terms of use and privacy policies located on those sites.