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Privacy Policy

Effective as of 15/5/25

This Privacy Policy explains how EC Loans ('www.ecloans.com.au') deals with privacy issues relating to personal information which is provided by a person or entity ('User') who uses the EC Loans website ('www.ecloans.com.au Platform').

Please email EC Loans at (info@ecloans.com.au) if you have any queries about your Personal Information, how we deal with your Personal Information or would like to amend or otherwise delete your Personal Information.

We are bound by Australian Privacy Principles contained in the Privacy Act 1988 (Cth) (subject to exemptions that apply to us under that Act). We may, from time to time, review and update this policy, including taking account of new or amended laws, new technology and/or changes to our operations. All personal information held by us will be governed by the most recently updated policy. Your privacy matters to us, so whether you are new to EC Loans or are a long-time user, please take the time to get to know our practices.

This Privacy Policy will describe:

  • How EC Loans will collect and handle a User's personal information;
  • The kinds of personal information that EC Loans will collect and store;
  • The purpose for which EC Loans collect personal information;
  • How the User can contact the data controller;
  • The use of cookies and third-party access on the EC Loans Platform.

The User's Agreement to this Privacy Policy

By using the EC Loans website a User consents to the privacy practices as disclosed in this Privacy Policy noting that personal information about the User may be collected by EC Loans or its Associates and relevant third-parties in accordance with this Privacy Policy:

  • To contact the User in response to a query or feedback from the User or due to the information provided by the User;
  • To enable EC Loans or an Associate to provide the User with information;
  • To provide to EC Loans Associates and relevant third-parties to facilitate a booking and/or purchase;
  • For marketing or promotional purposes including third party marketing;
  • To provide the User with quotes in relation to goods or services;
  • To verify a User's identity.
  • For any other purpose at EC Loans's sole discretion;
  • All up to four (4) partners or associated businesses working with EC Loans to contact User for marketing or promotional purposes as well as to offer services and/or products that may be relevant to the User.

Personal Information

For the purposes of this Privacy Policy personal information includes all and any information that the User submits to EC Loans when the user enquires about or seeks a comparison or quote for a product or service, visits the EC Loans Platform, subscribes to an email list, or contacts EC Loans by telephone, via mail, email or online, which includes but is not limited to the following information:

  • The User's full name;
  • The User's telephone numbers and email address;
  • The User's home address;
  • The User's date of birth;
  • Any additional personally identifiable information relating to the Product or service
  • The information which the User enters into the EC Loans website includes but is not limited to photographs, images, or written content.
  • Second or Third-party information that is identifiable or non-identifiable including information about your computer, device, and browser, potentially including your IP address, browser type, and other software or hardware information. If you access the Site from a mobile or another device, we may collect a unique device identifier assigned to that device ("UDID"), geolocation data, or other transactional information for that device.

Collecting the User's Personal Information

EC Loans will not collect personal information about a User without that User's consent and will only collect that personal information which a User voluntarily provides to EC Loans upon filling out registration forms which contain personal questions and clicking the "Submit" button to formally confirm and submit the personal details to EC Loans and its' partners or associates.

EC Loans may also collect personal information about a User from another business that you have authorised to deal with us on your behalf, from other companies that provide comparison services or other third parties.

Protecting the User's Personal Information

EC Loans will take all reasonable steps to protect the User's personal information from loss, misuse, and unauthorised access.

EC Loans will also destroy or de-identify any personal information which belongs to a User if that User requests that EC Loans do so.

Use of Personal Information

EC Loans will use the User's personal information for the primary purpose of providing the User with the service or offers in relation to the service. To provide the service to the User, EC Loans on-sell the User's personal information to relevant third-party businesses to obtain a quote for the User.

We may send you direct marketing communications and information about products and services that we consider may be of interest to you. These communications may be sent in various forms, including telephone, mail, SMS, or email, in accordance with applicable marketing laws, such as the Spam Act 2004 (Cth). If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. In addition, at any time, you may opt-out of receiving marketing communications from us by contacting us (details below) or by using the opt-out facilities provided (e.g. an unsubscribe link), or by contacting us using the details below. We will then ensure that your name is removed from our mailing list.

EC Loans will receive remuneration for providing the User's personal information and data to relevant third-party businesses or participating suppliers.

Other purposes for which the User's personal information may be used include, but are not limited to:

  • Enhancing the security of both EC Loans and the User;
  • Providing EC Loans business partners or participating suppliers with the Users personal information so that they may provide the User with information, quotes, and offers about their products and services;
  • Processing payments if Product or service is agreed to use by User;
  • Contacting the User in respect of any queries or complaints;
  • For internal business management including accounting;
  • To advise the User of new product offering or promotions by mail, phone, SMS, MMS, or email;
  • To advise the User about changes to the EC Loans Platform's terms and conditions;
  • For legal proceedings, if a dispute or claim arises as a result of the User's use of the EC Loans Platform;
  • User's personal information may be used by EC Loans and the EC Loans Platform to make automated decisions or modelling including, but not limited to:
  • Create data modelling for internal uses including commercial decisions
  • Data models that are externally sold or provided to third parties,
  • Create audience modelling for marketing and remarketing purposes.
  • These rights to use your data extend to EC Loans for an indefinite period of time. Ownership and distribution of your personal information to 3rd parties will be at the discretion of EC Loans until you unsubscribe or opt-out.
  • The User's personal information is hosted on servers located in Australia. (location available upon request to users)
  • The Data Controller is EC Loans. The Data Controller can be contacted via email at info@ecloans.com.au

Use of personal information for research purposes

EC Loans may use a User's de-identified personal information for research and development purposes without obtaining a User's consent.

Individuals Right of Access

The User's personal information is collected in accordance with the Privacy Act 1988 (Cth) and is held for seven (7) years.

A User can request to delete or amend any personal information stored by EC Loans or its Associates, and/or request a Subject Access Request ("SAR") by contacting EC Loans via email at info@ecloans.com.au.

EC Loans will take all reasonable steps to allow a user to access the User's personal information unless such access would have an unreasonable impact on the privacy of other individuals and other Users.

EC Loans reserves the right to amend and update this Privacy Policy at any time.

A User can contact EC Loans at any time on (info@ecloans.com.au) to opt-out of direct marketing with the subject line as Unsubscribe.

If entrants do not consent to their details being used for future marketing purposes, the entrant should contact EC Loans by email or post the contact details on their website. Any request to update, modify or delete the entrant's details should be directed to EC Loans via email at info@ecloans.com.au.

Third-party Sites

EC Loans on-sell the User's personal information to relevant third-party businesses. EC Loans is not responsible for the privacy practices and policies for websites and applications not owned or managed by EC Loans. It is the User's responsibility to be familiar with and understand the privacy policies of other third-party sites.

Cookies and Usage Tracking

EC Loans and any Associate or relevant third party may use small text files called "cookies":

  • To enable more efficient browsing of the EC Loans Platform;
  • To keep the User logged in to the website as they move from page to page;
  • For statistical purposes, such as to determine which pages visitors view most often, and to provide a better browsing experience.

Cookies are stored on the Users computer until they are deleted. User browser settings may be adjusted to refuse cookies from the website. However, please note that this may affect your ability to use the EC Loans Platform. Read more about cookie usage in our Terms and Condition.