Privacy Notice

Protecting your privacy is important to Finstro. We want you to understand what information we collect and how we use it.

For California residents, please refer to the CCPA Disclosure for your privacy rights.

FACTSWHAT DOES FINSTRO DO WITH YOUR PERSONAL INFORMATION?
Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social security number and income
  • Contact details (e.g., address, phone number, email address)
  • Identification Information (e.g., Passport number, driver’s license number, Taxpayer Identification number or another government-issued identification number)
  • Tax Information (e.g., withholding allowances and tax filing status)
  • Account balances and payment history
  • Credit history and credit scores
  • Information about your use of our products and services
  • Other information that you voluntarily provide to us (e.g. prospective marketing forms, referrals or other actions you perform as part of the services).
How?All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Finstro chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information.Does Finstro Share?Can you limit sharing?

For our everyday business purposes

Such as assessing your application for finance and managing that finance; establishing your identity; processing your transactions, maintaining your account(s), responding to court orders and legal investigations, and as needed for audits, compliance, and corporate governance or reporting to credit bureaus.

YesNo

For our marketing purposes

Such as direct marketing and managing our relationship with you. From time to time, we may offer you other products and services.

YesYes
For joint marketing with other financial companiesNoWe do not share.

For our affiliates’ everyday business purposes

Information about your transactions and experiences to let you know about, and develop, products and services from across Finstro that may better serve your financial, business and lifestyle needs, or to notify you of promotions or other opportunities in which you may be of interest to you.

YesYes

For our affiliates’ everyday business purposes

Information about your creditworthiness

YesYes

For nonaffiliates to market to you

Information about your transactions and experiences to let you know about, and develop, products and services from any company with whom we are associated that may better serve your financial, business and lifestyle needs, or to notify you of promotions or other opportunities in which you may be of interest to you.

YesYes
To limit our sharing

You can see, change or fix information you gave us, or tell us to stop marketing to you by opting out. If you live in California, you have additional rights, which are described in our California Consumer Privacy Act Disclosure

Please note: When you are no longer our customer, we continue to share your information as described in this notice.

Questions?Please contact 1 888 346 7876 or go to https://finstro.com/ or email at inquiry@finstro.com
Who we are
Who is providing this notice?Finstro US, Inc.
What we do
How does Finstro protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Our privacy policy serves as a standard for all Finstro employees for collection, use, retention and security of individual customer information.

How does Finstro collect my personal information?

We may collect information about you directly from you or from third parties such as our service providers, marketing and business partners, and financial institutions. We collect your personal information, for example, when you:

  • Make a request to receive information about Finstro or our services
  • Apply for or open an account
  • Provide account information
  • Make deposits or withdrawals from your account

When you use our website or mobile applications, we may collect information about your location or activity including IP address, telephone number and whether you 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.

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies for any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

How can I revoke my consent?Contact us at inquiry@finstro.com to revoke your consent and close your account.
Definitions
Affiliates

Companies related by common ownership or control. These include:

  • Finstro Holdings Pty Limited
  • Any wholly-owned subsidiaries of Finstro Holdings Pty Ltd
Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Financial service providers involved in the payments system including
    • Financial institutions and payment organizations; and
    • Credit and fraud reporting agencies, debt collection agencies, your guarantors, other borrowers, organizations involved in valuing, surveying, or registering a security property or which otherwise have an interest in such property, purchasers of debt portfolios, claims-related providers, underwriters and re-insurers
    • Trustee or custodial services –superannuation and managed funds organizations, their advisers and other organizations involved in our normal business practices
  • Non-financial service providers acting on our behalf such as:
    • Third-party suppliers, loyalty and reward program partners, and call centers
    • Service providers involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
    • Service providers that provide products or services used or marketed by us; service providers involved in product planning and development of our products, services and business generally
    • Other third parties as necessary when we sell or transfer business assets.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Finstro does not jointly market.
Children’s PrivacyFinstro services are not directed to, nor intended for, children under the age of 16.
Updates to this Privacy NoticeThis Privacy Notice may be updated periodically to reflect changes in our privacy practices.