PRIVACY NOTICE

Last updated March 26, 2026

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Version v3.0

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Australia

Thank you for choosing to be part of our community at Lucky Growth Partners Ltd, trading as Funding Fred (“Company,” “we,” “us,” or “our”). We are committed to protecting your personal information and your right to privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). If you have any questions or concerns about this privacy notice or our practices with regard to your personal information, please contact us at [email protected].

Important: Our Role

Funding Fred is an independent financial intermediary and introducer. We are not a lender, not a credit provider, and not a credit broker. We do not provide financial advice, arrange credit contracts, or make lending decisions. Our role is to introduce you to specialist business funding providers who may be able to assist with your funding requirements. Once introduced, your relationship is with those third parties directly.

This privacy notice describes how we might use your information if you visit our website at https://fundingfred.com/au or engage with us in other related ways, including in connection with our business funding introduction services for Australian businesses.

We may introduce you to specialist business funding providers who may assess your eligibility and present offers to you directly. These providers may share your information with credit reporting bodies (such as Equifax, Illion, or Experian) to conduct identity verification and soft credit enquiries — this will not impact your credit score. They may also share information with fraud prevention agencies. Please be aware that if fraud is identified, this may affect your ability to obtain financial services, credit, or employment.

In Short

The purpose of this privacy notice is to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it under Australian law. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Services immediately.

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us when using our business funding introduction service.

We collect personal information that you voluntarily provide to us when you use our service, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Website or otherwise when you contact us.

The personal information we collect may include:

Full name
Phone number
Email address
Date of birth
Residential address and postcode
Residential status (homeowner/tenant)
ABN (Australian Business Number)
Business name and entity type
GST registration status
Annual business turnover
Card payment volumes
Funding purpose and urgency

Information automatically collected

In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Website.

This information includes Log and Usage Data (service-related, diagnostic usage, and performance information) and Location Data (precise or imprecise location based on IP or device settings). This information does not reveal your specific identity but may include device and usage information.

2. HOW DO WE USE YOUR INFORMATION?

In Short: We process your information for purposes based on legitimate business interests, the fulfilment of our arrangement with you, compliance with our legal obligations, and/or your consent.

To facilitate your funding introductionWe use the information you provide to match you with suitable business funding providers. This includes sharing necessary data with specialist lenders and funding platforms who may assess your eligibility and present offers to you directly.
To verify your identity and businessWe use your ABN and business details to verify your business registration with the Australian Business Register (ABR). This helps ensure the accuracy of the information provided and improves lender matching.
To introduce you to relevant business servicesBased on the information you provide, we may introduce you to selected business service providers offering products and services relevant to your business, such as business insurance, business bank accounts, accounting software, energy comparison, merchant services, and other business services. These introductions are based on your business profile and are intended to help you access services that may benefit your business.
To send you marketing and promotional communicationsWe and/or our third-party marketing partners may use the personal information you send to us for our marketing purposes, including information about business funding, business services, and offers from selected partners that may be relevant to your business, in accordance with your marketing preferences and the Spam Act 2003 (Cth).
Deliver targeted advertising to youWe may use your information to develop and display personalised content and advertising tailored to your interests and/or location.
For other business purposesSuch as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Website and services.

3. WHAT IS OUR LEGAL BASIS FOR PROCESSING?

Under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), we collect and process your personal information on the following bases:

APP 3 — Collection of solicited personal informationWe only collect personal information that is reasonably necessary for our business function of introducing you to suitable funding providers.
APP 5 — Notification of collectionThis privacy notice serves as our notification to you about the collection, use, and disclosure of your personal information.
APP 6 — Use or disclosureWe use and disclose your personal information for the primary purpose for which it was collected (matching you with funding providers) and for related secondary purposes that you would reasonably expect, including introducing you to business service providers offering products relevant to your business such as insurance, banking, and accounting services.
ConsentBy submitting your information through our service, you provide your consent for us to share your data with funding providers for the purpose of assessing your eligibility for business funding products, and with selected business service providers to introduce you to relevant business services.

5. WHO WILL YOUR INFORMATION BE SHARED WITH?

In Short: We share your information with specialist business funding providers, selected business service providers, and the service providers listed below, in order to help you access suitable funding and relevant business services.

Specialist Business Funding Providers

As an introducer, we share your information with specialist business funding providers for the purpose of assessing your eligibility for funding products. By submitting your information through our service, you consent to these providers using your data to:

Assess your eligibility for business funding products including unsecured business loans, merchant cash advances, and lines of credit
Conduct soft credit enquiries with credit reporting bodies such as Equifax, Illion, or Experian (these will not impact your credit score)
Verify your identity through credit reporting bodies and fraud prevention agencies
Verify your business through the Australian Business Register (ABR) using your ABN
Contact you directly regarding funding options, application progress, and offers

Please be aware that if fraud is identified by credit reporting bodies or fraud prevention agencies, this may affect your future access to financial services, credit, or employment. Once your data has been shared with a funding provider, their own privacy policy governs their use of your data. We encourage you to review their privacy policies, which will be made available to you at the point of introduction.

Selected Business Service Partners

We may also share your information with selected business service providers to introduce you to products and services relevant to your business. These may include:

Business insurance providers (e.g., public liability, professional indemnity)
Business banking providers (e.g., business current accounts, savings accounts)
Accounting and bookkeeping software providers
Business energy comparison services
Merchant services and card payment providers
Business credit card providers
Other business service providers relevant to your business needs

We only share the information necessary for the introduction (typically your name, email, phone number, and relevant business details). These partners will contact you regarding their services and their own privacy policies will govern their use of your data.

Other Third Parties

Data Analytics Services

Sales & Marketing Tools

Retargeting Platforms

Social Networks

6. DO WE SEND YOUR INFORMATION OVERSEAS?

In Short: Some of our service providers are located overseas, and your information may be processed outside Australia.

In accordance with APP 8, we may disclose your personal information to overseas recipients. Our infrastructure providers and some service partners operate in countries including the United States, the United Kingdom, and the European Union. Before disclosing personal information to an overseas recipient, we take reasonable steps to ensure that the recipient does not breach the Australian Privacy Principles in relation to your information.

By providing your personal information to us, you consent to the disclosure of your information to overseas recipients for the purposes described in this notice.

7. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We may use cookies and other tracking technologies to collect and store your information.

Advertising (Meta/Facebook)

We use tracking technologies provided by Meta Platforms, Inc. (including the Meta Pixel and Conversions API) to measure the effectiveness of our advertising campaigns and to display personalised ads to you. This may involve sharing hashed (securely anonymised) contact information (like email or phone number) with Meta to match your visit to your Facebook profile.

8. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, in accordance with APP 11 (quality and security of personal information). No purpose will require us keeping your personal information for longer than twelve (12) months past the start of the idle period of the user’s account.

Document Retention

Uploaded documents are retained on our secure servers only for a short period (typically 7 days) to facilitate the transfer to our funding partners. Once successfully transferred or after this period expires, the files are permanently deleted from our temporary storage. Our funding partners will retain copies of these documents in accordance with their own retention policies and regulatory obligations.

9. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organisational and technical security measures, in accordance with APP 11.

We have implemented appropriate technical and organisational security measures designed to protect the security of any personal information we process. These include encryption of data in transit and at rest, access controls, and regular security reviews. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Website is at your own risk.

10. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age. Our service is intended for use by business owners and directors who are 18 years of age or older.

11. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: Under the Privacy Act 1988 and the APPs, you have rights regarding your personal information.

Under Australian privacy law, you have the right to:

Access your personal information (APP 12) — You may request access to the personal information we hold about you.
Correct your personal information (APP 13) — You may request that we correct any inaccurate, out-of-date, incomplete, irrelevant, or misleading personal information.
Request deletion — You may request that we delete your personal information where it is no longer needed for the purpose for which it was collected.

Withdraw Consent: Where we rely on your consent to process your data (including sharing with funding providers and business service providers), you have the right to withdraw that consent at any time by contacting us at [email protected]. Please note that withdrawing consent does not affect the lawfulness of any processing carried out before withdrawal, and once your data has been shared with a third party, their own privacy policy governs their continued use of that data.

Cookies: You can set your browser to remove or reject cookies.

Marketing: You can unsubscribe from our marketing emails at any time by clicking the unsubscribe link in any email, or by contacting us directly. This is in accordance with the Spam Act 2003 (Cth).

12. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems include a “Do-Not-Track” (“DNT”) feature. We do not currently respond to DNT browser signals as no uniform technology standard has been finalised.

13. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant Australian laws, including the Privacy Act 1988 and any amendments.

14. HOW CAN YOU CONTACT US?

If you have questions about this privacy notice or how we handle your personal information, please contact us:

Email: [email protected]

Post:
Lucky Growth Partners Ltd
Legal & Financial House, 137 York Road
Belfast, Northern Ireland, BT15 3GZ

15. HOW CAN YOU MAKE A COMPLAINT?

If you believe we have breached the Australian Privacy Principles or the Privacy Act 1988, you may lodge a complaint with us first by contacting [email protected]. We will investigate your complaint and respond within 30 days.

If you are not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Online: www.oaic.gov.au/privacy/privacy-complaints

Phone: 1300 363 992

Post:
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001

Review, Update or Delete Your Data

To request to review, update, or delete your personal information, please email us at [email protected]. We will respond to your request within 30 days in accordance with APP 12 and APP 13.