Privacy Policy and Statement
We are committed to ensuring the confidentiality and security of your personal information. This page includes important information about how we collect and handle your personal information (including your credit-related information), the purposes for which we collect, hold, use and disclose your information, the types of organisations we share it with, and about credit reporting.
Our Privacy Policy contains information about:
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how we handle your personal information (including your credit-related information) generally;
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how you may access and seek to correct your personal information (including your credit-related information) that we hold; and
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how you may complain about a breach of the Privacy Act, including the APPs and the Credit Reporting Code, and how we will deal with a privacy complaint.
The Statement of Notifiable Matters contains information about:
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the credit reporting bodies that we may disclose your information to;
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how credit-related information requests may affect your credit score;
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how your credit-related information may be used and disclosed to assess your credit worthiness;
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your rights to access and correct your credit-related information, and to make a complaint about the handling of your credit-related information;
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your rights to ask a credit reporting body not to use your credit reporting information for pre-screening of direct marketing; and
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what you can do if you think you have been, or are likely to be, a victim of fraud.
If you do not provide some or all of the information requested by us, we may be unable to provide you with a product or service. We also may not be able to verify your identity or protect against fraud.
STATEMENT OF NOTIFIABLE MATTERS
This statement applies to Fundo Loans Pty Ltd (ACN 604 639 143), Wagego Pty Ltd (ACN 687 117 273), and each of their related bodies corporate ('we', 'our', 'us'). It sets out important information on how we handle your credit-related information, including information that we may disclose to certain credit reporting bodies. This should be read in conjunction with our Privacy Policy. Our Privacy Policy is set out below on this page.
You can request to have this statement provided in an alternative form (such as a PDF or a hard copy). Please contact us via the contact details set out in our Privacy Policy.
We may disclose your credit-related personal information to credit reporting bodies
We may disclose your personal information, such as information about credit liabilities, repayments and defaults, to the credit reporting bodies ('CRBs') listed below. The CRBs may include such information in reports provided to credit providers to assist them to assess your creditworthiness. If you fail to meet your repayment obligations or commit a serious credit infringement, we may be entitled to disclose this to the CRBs.
Equifax Pty Ltd
Telephone: 13 83 32
Website: www.equifax.com.au
illion Australia Pty Ltd
Telephone: 13 23 33
Website: www.illion.com.au
The CRBs are each required to have their own privacy policy which you can access on their websites.
How do information requests affect your credit score
If you apply for any credit from us (or propose to be a guarantor for credit from us), we do not need your consent to make the disclosures to the CRBs. If we ask the CRBs to provide information about you in relation to credit you apply for (or credit you propose to be a guarantor for) from us (information request), a record of the information request may be used and, as relevant, disclosed for the purposes of the CRB or a credit provider assessing your creditworthiness, including calculation of a credit score or credit rating (subject to any other use or disclosure limitations under the Privacy Act, the Regulations or the Credit Reporting Code).
Generally, a single information request only has a minor impact on your credit score or credit rating. However, multiple information requests within a short period may have a greater impact as this could indicate a higher credit risk.
Your Rights
You have the right to access the information held by us, to request us to correct the information and to make a complaint to us. You can do any of these by contacting us via the contact details set out in our Privacy Policy.
Additionally, you have the right to request the CRBs to not use your credit reporting information for the purposes of pre-screening of direct marketing by a credit provider. You also have the right to request the CRBs to not use or disclose credit reporting information about you if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud. You can contact the relevant CRBs directly.
PRIVACY POLICY
1. Introduction
Fundo Loans Pty Ltd (ACN 604 639 143) and Wagego Pty Ltd (ACN 687 117 273) are each a credit provider.
We recognise that our success depends on us maintaining the utmost commitment to upholding customers’ privacy rights when we collect, hold, use or disclose customers’ personal information. We have established procedures and protocols to help us keep personal information we hold secure, accurate, up-to-date and complete.
This Policy applies to Fundo Loans Pty Ltd and Wagego Pty Ltd, and each of their related bodies corporate, affiliates and agents ('we', 'our', 'us'). The entities that are covered by this Policy are:
- Fundo Loans Pty Ltd;
- Wagego Pty Ltd.
All staff and third parties (including suppliers, sub-contractors and agents) that have access to or use personal information (which includes credit-related information) collected and held by us must comply with this Privacy Policy.
This Policy outlines our obligations to manage and protect your personal information (including your credit-related information) and reflects the requirements of the Australian Privacy Principles ('APPs'), the Privacy (Credit Reporting) Code ('the Code') and Part IIIA of the Privacy Act 1988 (Cth) ('the Privacy Act') and other relevant law. This Policy may be accessed from our website: LINK
This Policy also outlines our practices, procedures and systems that ensure compliance with the Privacy Act, APPs and the Code.
2. DEFINITIONS
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‘Credit-related information’ means:
- ‘Credit information’ which includes an individual’s identity; the type, terms and maximum amount of credit provided, including when that credit was provided and when it was repaid; repayment history information; ‘financial hardship information’ (including information that any repayments are affected by a financial hardship arrangement); default information (including overdue payments); payment information; new arrangement information; details of any serious credit infringements; court proceedings information; personal insolvency information and publicly available information; and
- ‘Credit eligibility information' is credit reporting information disclosed to us by a credit reporting body ('CRB'), and any information that we derive from that information that has any bearing on your creditworthiness and that is used, has been used or could be used in establishing your eligibility for consumer credit.
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‘Personal information’ means information or an opinion about an identified individual, or an individual who is reasonably identifiable. Personal information may also include credit-related information.
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‘Privacy Officer’ means our contact person for questions regarding our Privacy Policy.
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‘Sensitive information’ is personal information that includes information relating to an individual’s racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
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‘Third Parties’ mean customers, suppliers, sub-contractors, agents or other people having a commercial relationship with us.
4. WHAT KINDS OF PERSONAL INFORMATION DO WE COLLECT AND HOLD?
We may collect the following types of personal information about you:
- name;
- address;
- email address;
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phone number;
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date of birth;
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employment details and pay advices;
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bank account details and account statements (including, if you consent, updates to account statements);
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passport, Driver’s licence or Medicare card details;
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marital status and dependents;
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credit-related information; and
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any other information that is relevant to the services that we provide.
In most circumstances it will be necessary for us to identify you to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
We may also collect sensitive information about you in some circumstances such as:
- health information that you provide us e.g. if you make a financial hardship request relating to a medical condition.
5. HOW WE COLLECT PERSONAL INFORMATION
We generally collect personal information directly from you where it is reasonable and practicable to do so. For example, we collect personal information when:
- you enquire about or apply for credit;
- call us or send us correspondence via phone, email or through our website; or
- when you use any features on our website or mobile app.
Sometimes we may collect personal information about you from third-party sources, such as:
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financial institutions;
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mortgage and finance brokers;
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employers;
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accountants;
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lawyers;
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other credit providers;
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electronic verification services;
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a CRB;
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government agencies;
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regulators;
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social media; or
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public registers.
When we obtain credit eligibility information from a CRB about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.
If we receive unsolicited personal information about an individual, we destroy or de-identify all unsolicited personal information, unless it is relevant to our purposes under this Policy.
6. COLLECTING STATEMENTS OF ACCOUNT
If you give us consent, we may collect your transaction statements of account from your financial institutions on a one-off basis (for example, for the purpose of assessing your application for credit) or on an ongoing basis (for example, by periodically obtaining updated transaction statements of account). We may use this information to help us assess your application for credit, provide credit to you and to tell you about products we offer that you may be interested in. We may share this information with our related bodies corporate, service providers and other third parties as described in this Policy for these purposes, including third-party service providers who process your statement information on our behalf. You may withdraw your consent to the ongoing collection of updated statements of account at any time by contacting us, in which case we will cease obtaining updated statements but may continue to use the statement information we already hold in accordance with this Policy.
7. WEBSITE COLLECTION
We collect personal information from our websites www.fundo.com.au and www.wagego.com.au, we receive emails and online account application forms.
When an individual uses our website, we may collect information about their location or activity including IP address, telephone number and whether they have accessed third party sites, the date and time of visits, the pages that are viewed, information about the device used and other user location information. This may be used in an aggregated manner to analyse how people use our site so that we can make improvements to our service.
We may also use Third Parties to analyse traffic at the website, which may involve the use of cookies. Information collected through such analysis is anonymous.
We use cookies on our website, which may be used in the following ways:
- authentication when logging in
- personalisation of your user preferences
- tracking and analytics;
- marketing and advertising;
- application state management; or
- security and fraud prevention.
While an individual’s web browser may automatically accept cookies one can choose to reject cookies by changing browser settings however this may prevent individuals from taking full advantage of our website.
8. WHY DO WE COLLECT, HOLD, USE AND DISCLOSE PERSONAL INFORMATION?
We may collect, hold, use and disclose personal information (including your credit-related information) to:
- assist us in assessing an application for credit and managing credit we provide you including assessing hardship applications and to collect overdue payments;
- verify your identity and verify certain aspects of your financial situation in relation to your application for credit;
- assist you with the application process including if an application is unfinished;
- provide you with our products and services that you have with us and manage our relationship with you;
- provide you with our promotional material, other information that may be of interest and tell you about other products or services we offer;
- protect our business and other customers from fraudulent or unlawful activity;
- conduct our business and perform other management and administration tasks;
- communicate with you and to answer your queries and resolve complaints or disputes;
- bring, defend, or manage a legal action involving you and us;
- respond to questions in the course of an investigation by the Australian Financial Complaints Authority (AFCA);
- comply with relevant laws, regulations and other legal obligations, including the National Consumer Credit Protection Act 2009 and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, and lawful requests from government and law enforcement agencies or regulators;
- help us improve our products and services and to enhance our overall business; and
- share your personal information with our related bodies corporate and their affiliates and agents for the purposes of data storage, analytics (including product development and risk modelling) and to enable our related bodies corporate and their affiliates and agents to tell you about products or services they offer that may be of interest to you.
Credit eligibility information
We will only use and disclose your credit eligibility information for the purposes permitted under Part IIIA of the Privacy Act and the Credit Reporting Code. Your credit eligibility information is subject to stricter use and disclosure requirements. In particular, we may use your credit eligibility information for:
- assessing an application by you for consumer credit, and collecting payments that are overdue in relation to consumer credit that we have provided to you;
- internal management purposes that are directly related to the provision or management of consumer credit by us, including data management, administration of our consumer credit business and deriving information about your creditworthiness for the purpose of managing our credit relationship with you;
- purposes required or authorised by law; and
We will not use or disclose your credit eligibility information for the purposes of direct marketing, cross-selling, assessing the likelihood that you may accept an offer of or an invitation to apply for credit (including a variation of credit), any other targeting or invitation in relation to credit, or analytics unrelated to the provision or management of consumer credit. These restrictions apply regardless of whether you have given consent, as the Australian Privacy Principles relating to use and disclosure do not override the restrictions on credit eligibility information under Part IIIA of the Privacy Act. Section 16(2)(c) of the Credit Reporting Code expressly prohibits the use or disclosure of credit eligibility information for the purposes of direct marketing.
We may anonymise or de-identify your personal information (excluding your credit eligibility information) so that it can no longer be used to identify you. We may use and disclose such anonymised or de-identified information for analytics purposes, including product development, risk modelling, improving our products and services, and developing insights regarding historical spend information. For the avoidance of doubt, credit eligibility information must not be anonymised or de-identified for these purposes. Anonymised or de-identified information is not personal information and is not subject to the Privacy Act.
9. TO WHOM MIGHT WE DISCLOSE PERSONAL INFORMATION AND WHY?
Your personal information may be shared with our related bodies corporate for the purposes of data storage, analytics (including product development and risk modelling) and to enable our related bodies corporate to tell you about products or services they offer that may be of interest to you. However, access to your credit eligibility information is strictly restricted to the credit provider that collected it and is used only for the purposes permitted under Part IIIA of the Privacy Act and the Credit Reporting Code. Your credit eligibility information will not be made available to, or accessed by, any other entity (including our related bodies corporate) for any purpose that is not a permitted use under Part IIIA of the Privacy Act.
Additionally, the people that we may disclose your personal information to and the reasons include:
- prospective funders or other intermediaries in relation to your finance requirements to assess your credit application;
- other organisations that are involved in managing or administering your finance, such as third party suppliers, printing and postal services, call centres, mortgage insurers and trade insurers, for the purposes of providing services to you;
- other service providers and commercial partners who assist us by, for example, by providing marketing services, data analytics services, identity verification services, IT services, for the purposes of obtaining their services;
- an agent, contractor or service provider we engage to carry out functions and activities in connection with approving or administering credit products or services, such as our electronic verification service, lawyers, accountants, debt collectors/buyers or other advisors, and third-party service providers who process your information on our behalf, for the purposes of providing you with our products and services that you have with us and manage our relationship with you;
- associated businesses that may want to market products to you, but only with your consent;
- companies that provide information and infrastructure systems to us;
- any person who represents you, such as authorised representatives, finance brokers, lawyers, mortgage brokers, guardians, persons holding power of attorney and accountants;
- borrowers (if more than one) or prospective borrowers including in relation to any credit you guarantee or propose to guarantee.
- organisations involved in a transfer or sale of all or part of our assets or business and investors, agents or advisers, trustees, rating agencies or any entity that has an interest in your finance or our business;
- our auditors, insurers, re-insurers and health care providers;
- where we are required or authorised to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth), government and law enforcement agencies or regulators;
- a CRB to assess and manage your credit;
- your financial institution/s, referee/s, employer, co-account holder or authorised signatory;
- financial institutions and payment system operations (including merchants) to process transactions;
- any third party to whom we make your personal information available (excluding your credit eligibility information) for the purpose of distributing, making available or otherwise dealing with that information, provided that the recipient has agreed to comply with the Privacy Act and the Australian Privacy Principles, and will notify you of the purposes for which your information will be used and obtain any consents from you as required under the Privacy Act; and
- anyone else to whom you authorise us to disclose.
Prior to disclosing your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
- the person or organisation has a commitment to protecting your personal information at least equal to our commitment; or
- you have consented to us making the disclosure.
If we intend to provide default information about an individual to a CRB, we will give you at least 14 days’ written notice of our intention to do so. If we disclose default information to a CRB, and you subsequently repay the amount owed, we will tell the CRB that the amount owing has been repaid.
We will not disclose to a CRB credit repayment history information that is more than 2 years old or which relates to an amount owing of less than $150.
10. AUTOMATED DECISION-MAKING
We use computer programs (such as our proprietary automated credit decisioning system) to assist us in assessing your application for credit and deciding whether we will provide you with credit.
Our credit decisioning system assesses your creditworthiness by analysing the details of your application for credit and applying our risk assessment criteria. The system will then either:
- automatically approve or reject your application (if your application meets certain criteria); or
- refer your application to our credit team for manual review (for example where we need further information from you, or where our credit policy specifies that a manual review is required). Our credit agents will consider the initial creditworthiness assessment prepared by the software as part of their review.
As part of this process, our software analyses various kinds of personal information including your address, date of birth, loan application information and bank statement data. This information is sourced from your application for credit, and from other sources as explained in clause 4 of this Privacy Policy.
11. SENDING INFORMATION OVERSEAS
We may disclose your personal information to overseas entities that provide support functions to us.
We will not send your personal information to recipients outside of Australia unless:
- we have taken reasonable steps to ensure the recipient does not breach the Privacy Act, the APPs and the Credit Reporting Privacy Code;
- the recipient is subject to an information privacy protection regime similar to that required by the Privacy Act; and
- you have consented to the disclosure.
We may also use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia. The countries in which the cloud storage and IT servers are likely to be located include People’s Republic of China, Singapore and The Philippines.
You may obtain more information about these overseas entities by contacting us.
12. MANAGEMENT OF PERSONAL INFORMATION AND CREDIT-RELATED INFORMATION
The APPs require us to take all reasonable steps to protect the security of personal information, including credit-related information. Our employees respect the confidentiality of the personal information we collect.
We will take a range of measures and reasonable steps to protect your personal information.
Your personal information will always be stored in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure. We will generally retain your personal information for a period of up to seven (7) years after the end of our relationship with you, unless a longer retention period is required or permitted by law (including under the National Consumer Credit Protection Act 2009 or the Anti-Money Laundering and Counter-Terrorism Financing Act 2006). After the applicable retention period, we will take reasonable steps to destroy or de-identify your personal information.
13. DIRECT MARKETING
We and our related bodies corporate do not use personal information for the purposes of direct marketing, unless:
- the personal information does not include sensitive information; and
- you would reasonably expect us to use or disclose the information for the purpose of direct marketing; and
- we provide you with a simple way of opting out of direct marketing; and
- you have not requested to opt out from receiving direct marketing from us.
We may send you direct marketing communications via email, SMS, telephone, physical mail or digital advertising (including targeted advertising on social media and other online platforms).
If you would not reasonably expect us to use or disclose the information for the purpose of direct marketing, we may use or disclose that information for direct marketing only if you have consented to the use or disclosure of the information for direct marketing or it is impracticable to obtain that consent.
You can opt out of direct marketing by contacting us and we will give effect to the request within a reasonable period of time. If you ask us, we will provide you with the source of your information, free of charge, within a reasonable period of time.
We will not use or disclose your credit eligibility information for the purposes of direct marketing, cross-selling, assessing the likelihood that you may accept an offer of or an invitation to apply for credit (including a variation of credit), or any other targeting or invitation in relation to credit.
We may use or disclose sensitive information about you for the purpose of direct marketing only with your consent.
14. IDENTIFIERS
We will not use identifiers assigned by the Government, such as a tax file number, Medicare number or provider number, for our own file recording purposes, unless one of the exemptions in the Privacy Act applies. We endeavour to avoid data-matching.
15. HOW DO WE KEEP PERSONAL INFORMATION ACCURATE AND CURRENT?
We take reasonable steps to ensure that the personal information, including credit-related information, we collect, use and disclose is relevant, accurate, complete and current.
If you think any of the personal or credit-related information we hold about you is incorrect, inaccurate or out of date, you may request that we correct the information by contacting us via the details set out below.
If we correct information that has previously been disclosed to another entity, we will notify the other entity of the correction within a reasonable period of time of the correction being notified to us. If we are satisfied that personal information we hold is inaccurate, we will take reasonable steps to correct the information immediately (if practicable) or within 30 days. We do not charge for correcting personal information.
If we refuse to correct your personal or credit-related information, we will provide you with our reasons for not correcting the information.
16. ACCESS TO PERSONAL INFORMATION
We will provide you with access to the personal and credit-related information we hold about you. You may request access to any of the personal information we hold about you at any time by contacting us via the details set out below.
We will provide access within 30 days of receipt of such request. If we refuse to provide access, we will provide reasons for the refusal.
17. DATA BREACHES
A data breach occurs when personal information held by us is lost or subjected to unauthorised access or disclosure. If we suspect or know of a data breach, we will take immediate steps to limit any further access or distribution of the affected personal information or the possible compromise of other information.
When we have reasonable grounds to believe that a data breach is likely to result in serious harm, and we cannot mitigate the risk of serious harm with remedial action, we will notify you of the risk as soon as practicable and make recommendations about the steps you should take in response to the data breach. We will also notify the Office of the Australian Information Commissioner.
Examples of serious harm include, but are not limited to:
- identity theft;
- significant financial loss; or
- threats to physical safety.
Notifications will be made using our usual method of communicating with you, such as by a telephone call, email, SMS, physical mail, social media post, or in-person conversation. If we are unable to contact you (or your nominated intermediary) by any of the above methods, we will publish a statement on the front page of our website and place a public notice on our reception desk.
18. UPDATES TO THIS POLICY
This Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and the business environment. A copy of the current version may be obtained upon request.
This Policy was last updated in May 2026.
19. ENQUIRIES AND COMPLAINTS
If you would like to raise a matter with us or who would like to discuss any aspects of our Privacy Policy, you can contact our Privacy Officer. Our Privacy Officer will investigate the issue and determine the steps we will undertake to resolve the enquiry or complaint. If additional information is required by us, this will be advised. We will notify the determination of our Privacy Officer in writing within 30 days of the determination.
For Fundo customers, we can be contacted by:
- telephoning us on 1800 161 391
- writing to: The Fundo Privacy Officer at Level 9, 46 Kippax Street, Surry Hills, NSW 2010 Australia
- emailing hello@fundo.com.au
For WageGo customers, we can be contacted by:
- telephoning us on 02 7248 6446
- writing to: The WageGo Privacy Officer at Level 9, 46 Kippax Street, Surry Hills, NSW 2010 Australia
- emailing hello@wagego.com.au
If you are not satisfied with our response, you can contact:
- Australian Financial Complaints Authority (AFCA) telephone 1800 931 678, www.afca.org.au or PO Box 3, Melbourne, VIC 3001 (Fundo customers only); or
- The Office of the Australian Information Commissioner telephone 1300 363 992, emailing enquiries@oaic.gov.au; or
- Writing to Director of Complaints, Office of the Australian Information Commissioner, GPO Box 5218, Sydney NSW 2001.
