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. References to "we", "us", "our" or "Billie" mean Billie Loans Pty Ltd. References to "you" or "your" mean you as a data subject whose personal information we collect.

2. What personal information do we collect?

Category	Examples
Personal & contact	Name, address, email, phone number, date of birth
Government identifiers	Driver licence, Medicare card, passport
Financial	Bank account, income, transactions
Behavioural	How you use our products and services
Digital	Device identifiers, IP address, app activity, page visits
Personal circumstances	Relevant details when applying for hardship assistance

3. How we collect it

We collect personal information directly from you when you create an account, use our services, or contact us. We may also collect information from third parties such as identity verification providers to meet legal obligations.

4. Why we collect it

We collect your personal information to verify your identity, assess your eligibility and affordability, provide and manage your advance, provide customer support, meet legal obligations, prevent fraud, and improve our services.

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.

5. Who we share it with

• Our employees and related entities
• Third-party service providers (hosting, identity verification, analytics, communications)
• Professional advisers (lawyers, accountants, auditors)
• Payment service providers
• Government agencies and regulators, as required by law

We do not sell your personal information. We do not share it with third parties for their own marketing purposes unless you have explicitly opted in.

6. Overseas disclosure

Some of our technology service providers may store or process information outside Australia (including the United States). When we do this, we take reasonable steps to ensure the recipient handles information in accordance with the Australian Privacy Principles.

7. Security

We take reasonable steps to protect your personal information from misuse, loss, and unauthorised access. This includes encryption, access controls, firewalls, and secure destruction of data we no longer need.

8. Your rights

You may request access to, or correction of, your personal information at any time. If you believe we have not complied with the Privacy Act or the Australian Privacy Principles, you may make a complaint to us. If unsatisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).