Privacy Policy

1. About Us

Billie Loans Pty Ltd (ACN 679 740 973) is a purpose driven organisation that aims to provide fair, accessible and affordable financial products and services to customers in Australia.

Any reference to:

• "we", "us", "our" or "Billie" should be understood as a reference to Billie Loans Pty Ltd or the other subsidiaries within the group; and
• "you" or "your" should be understood as a reference to a data subject whose personal information we control or process for the purposes described in this privacy policy.

2. About this Policy

This Policy sets out how we collect, use, store and disclose your personal information. By 'personal information' we mean information or an opinion about an identified individual, or an individual who is reasonably identifiable. Some technical information we collect online—such as an IP address, device identifier or cookie ID—may not identify you on its own. However, it may be 'personal information' if, in the circumstances, it can reasonably identify you, including where it is linked (or reasonably linkable) to information such as your name, contact details, account, application or identity verification information. Personal information does not include information that has been made anonymous and cannot reasonably identify an individual.

We are bound by the Australian Privacy Principles ("APPs") and the Privacy Act 1988 (Cth) ("Privacy Act") for personal information relating to customers.

We may change or update this Policy from time to time. The updated version will be available by following the 'Privacy Policy' link on our website.

3. What personal information do we collect?

Types of personal information we may collect	Examples of personal information might be involved
Personal and contact information	Name, address, email address, phone number, and date of birth.
Australian Government related identifiers	Driver licence, medicare card, Australian passport, citizenship and birth certificates.
Financial and transaction information	Bank account, income and transactions.
Behavioral information	Data that we may build and calculate about how you use our products and services. For example, if you use our budgeting tools, we may generate data about how you spend and save.
Sensitive information	We may collect and use your sensitive information as defined by the Privacy Act. Sensitive information will only be used when it is reasonably necessary and where we have obtained your specific prior consent.
Information about your personal circumstances	We may request details about your personal circumstances when it is pertinent to a particular situation, such as applying for financial hardship assistance. This could include information about major life events, impacts from emergencies or natural disasters, unforeseen changes to your financial status, or specifics related to injury, illness, gambling, or addiction.
Interaction information	This includes information about your interactions with us, such as the products and services you have used, expressed interest in, or shared feedback or concerns about. It may also cover any additional details required to provide these products and services or to address your inquiries, feedback, or issues effectively.
Digital information	When you use our mobile apps or website, we may collect digital data such as device identifiers, device type, location details (where enabled), network and connection information, app activity, page visit statistics, site traffic patterns, referral information, IP address, and standard log data. This digital data is used for purposes such as website/app security, fraud prevention, troubleshooting, analytics and improving our services. In many cases, an IP address or similar online identifier will not identify you on its own. Where this digital data is linked (or reasonably linkable) to your account or application details, it may become personal information and will be handled in accordance with this Policy.

4. Calculated information

We may analyse and generate aggregated insights based on the categories listed above. This information may be supplemented with data from other sources to create more detailed and relevant insights for the purposes described in this Privacy Policy. The aggregated data we generate may be shared with related entities and may be further enriched using third-party information. Where we share insights externally, we take steps to ensure the information is aggregated and de‑identified so that individuals are not reasonably identifiable.

5. How Billie collects personal information

We may collect your personal information either directly from you, or indirectly from third parties or our clients.

We may collect this information when you:

• create an account with Billie via our mobile application or website and access or use our financial products and services, including our budgeting;
• use our websites to understand our products, contacting us or accessing our blog articles;
• register to receive emails about our products, services and events.

If you do not provide the information requested by us, we may not be able to provide you with our products and services.

At times, we may obtain information from third parties, such as our business partners, identity verification service providers, or publicly and commercially available sources. This is typically done to comply with legal and regulatory requirements, such as anti-money laundering obligations.

We may gather personal information about third-party service providers and their employees as part of our business operations. This information could include names, contact details, and job titles. Such data will be collected either directly from the individuals concerned or through the relevant third-party service provider.

6. Why Billie collects your personal information

Billie collects your personal information to deliver our products and services, including verifying your identity, assessing your eligibility and affordability, and providing and managing your loan. We may also collect and use personal information for related operational purposes (such as customer support, analytics and security), to meet legal and regulatory obligations (including under the AML/CTF Act), for purposes you have agreed to, and for any other use permitted under the Privacy Act and APPs.

We may also use aggregated and de‑identified information to help us understand how our products are used and to improve them. Where we share insights externally, we do so in aggregated and de‑identified form.

7. How Billie uses your personal information

Billie uses your personal information for the purposes described in this Privacy Policy, including to:

• Allowing you to access and use our products and services;
• Verifying your identity (including through Equifax identity verification services and other third-party systems);
• Assessing your eligibility and affordability for a Billie loan and managing your loan;
• Providing customer support and communicating with you (including service messages, technical alerts and reminders);
• Protecting and improving our products and services (including analytics, research, fraud prevention and security monitoring);
• Complying with legal and regulatory requirements (including under the AML/CTF Act);
• Using approved third‑party tools and service providers (including AI service providers) to help deliver and improve our services;
• Sending you marketing about Billie products and services (you can opt out at any time);
• Creating aggregated and de‑identified insights to improve our products and services and to understand how our services are used;
• Where appropriate, sharing aggregated and de‑identified insights with related entities and selected partners; and
• Other purposes you have consented to or that are permitted by law.

Billie does not currently obtain your credit report or credit score, and we do not make credit enquiries with a credit reporting body to assess your application.

We may disclose limited identification information to Equifax (a credit reporting body) solely to verify your identity through Document Verification Service (DVS) checks and other identity verification processes required under the AML/CTF Act.

If, in the future, Billie begins to participate in credit reporting (for example, by obtaining credit reporting information or making credit enquiries, or by disclosing default or repayment information to a credit reporting body), we will update this Privacy Policy and provide you with any additional notices and/or obtain any consents required by law.

8. Direct marketing

Billie may use your personal information to contact you about Billie products and services that we think may be relevant to you.

These communications may be sent by email, SMS, or other channels permitted by law. You can opt out at any time using the unsubscribe link (where available) or by contacting us.

We do not sell your personal information. We do not disclose your personal information to third parties for their own direct marketing unless you have expressly opted in.

9. Who we may disclose your personal information to

We may share personal information for the purposes outlined in this Privacy Policy with the following parties:

• Our employees and related entities within our corporate group.
• Your representatives, such as agents acting on your behalf.
• Third‑party suppliers and service providers that help us operate our platform or deliver services to you (for example, cloud hosting providers, identity verification providers (including Equifax), analytics providers, communications providers, and AI service providers). These parties are required to handle personal information securely and only for the purposes we instruct.
• Professional advisers (such as lawyers, accountants and auditors) who support our operations.
• Payment system operators and payment service providers.
• Parties acquiring our business or assets (in full or part) in the event of a sale, merger or restructure.
• Where appropriate, related entities and selected partners that receive aggregated and de‑identified insights (not information that identifies you).
• Specific third parties authorised by you to access your information.
• Government agencies, regulatory bodies, and law enforcement authorities, as required or permitted by law.

Some service providers (for example, identity verification providers) may need to compare information you provide with information they hold or access from official sources to provide their services to us. We do not authorise service providers to use your personal information for their own marketing purposes.

We only share personal information with third parties as described in this Privacy Policy, as notified to you at the time of collection, or with your consent, or as otherwise permitted or required by law.

10. Dissemination of personal information outside Australia

We may disclose personal information to overseas recipients, including some of our technology service providers. For example, some cloud or AI service providers may store or process information outside Australia. The countries where recipients are likely to be located may include the United States. When we disclose personal information overseas, we take reasonable steps to ensure the recipient handles the information in accordance with the Australian Privacy Principles, or otherwise obtain your consent where required.

11. Cookies and third party analytics

We use cookies and similar tracking technologies on our website to enhance your experience and improve our products and services. When you visit our website or use our services, small files may be placed on your computer, mobile device, or other devices by us or our third-party service providers. These files collect information about your browsing activity, helping us determine which pages are visited most frequently, improve website usability, personalize your experience, and display targeted advertising we believe may interest you.

You can adjust your browser settings to disable cookies unless they are essential for fraud prevention or website security. Please note that disabling cookies may cause our website and services to function improperly.

Additionally, we may use third-party analytics tools to evaluate the performance of marketing campaigns, assess risks, enhance user experiences, and analyze usage patterns.

Any information collected through cookies, tracking technologies, or third-party analytics services—including where that information is personal information in the circumstances—is handled in accordance with this Privacy Policy.

12. Security

We hold your personal information in electronic form and may store your personal information with trusted third-party service providers. We take reasonable steps to protect your personal information from misuse, interference and loss, as well as unauthorised access, modification or disclosure. We use a number of physical, administrative, personnel and technical measures to protect your personal information.

Measures we take to protect your personal information 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;
• using computer and network security systems with appropriate firewalls, encryption technology and passwords for the protection of electronic files; and
• 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.

We are committed to doing everything we reasonably can to protect the security and confidentiality of your personal information.

13. Links

Our website, apps, and platforms may include links to third-party websites for your convenience. These links may not always be updated or maintained. Unless explicitly stated, we are not responsible for the content or privacy practices of these external websites and have no authority or control over them. Their privacy policies may differ significantly from ours, so we strongly recommend reviewing their policies before engaging with those websites.

14. Accessing or correcting your personal information

You can request access to the personal information we hold about you by reaching out to us using the contact details provided at the end of this page. In some cases, we may be unable to grant full access to your information, and if so, we will explain the reason. To process your request, we may also need to verify your identity.

If you believe the personal information we have about you is incorrect, incomplete, or outdated, please let us know. We will take reasonable steps to correct or update it. We rely on you to notify us of any inaccuracies or changes to ensure the information we hold remains accurate and current.

15. Making a complaint and correcting your information

If you believe we have not acted in accordance with the Privacy Act or the Australian Privacy Principles, or if you wish to make a complaint about how we handle your personal information, please contact us using the details at the end of this Privacy Policy. We will investigate your complaint and respond within a reasonable timeframe.

If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). OAIC contact details are set out below.

16. Referral program

Billie may offer users the option to invite friends and family to explore our products and services using a referral link or code. If you choose to participate, you are responsible for ensuring you have permission to contact the person you refer. We may use the contact details you provide (or that you choose to share) only to send the referral invitation and to administer the referral program.

Participants in the Referral Program must not send, publish, or share false, misleading, or deceptive communications. Additionally, referral emails, SMS messages, or other forms of communication must not be sent to individuals under the age of 18.

If you are referred to Billie, we may contact you once to let you know about Billie and provide you with a link to our Privacy Policy. We will not send you ongoing marketing communications unless you choose to sign up and (where required) consent to receive marketing.

17. For more information

If you have any questions or would like us to use your data in a more limited way than described in this Privacy Policy, please contact us at privacy@billie.loans.

For further information about our Privacy Policy or practices, or to access or correct your personal information, or make a complaint, please contact us using the details set out below: