Privacy Policy
Last updated: 30 August 2026
1. Introduction
Welcome to Neo Finance’s Privacy Policy.[Business name] and its affiliates (“Neo Finance”) are firmly committed to protecting your privacy. This Privacy Policy (“Policy”) sets out how Neo Finance uses and protects your personal information when you access, visit and use this website or our Services (regardless of where you visit it from) to the extent Neo Finance is the data controller of your personal information. We are bound by the Privacy Act 1988 (Cth) (“Privacy Act”) and the Australian Privacy Principles (“APPs”). This policy explains how and why we collect, use, hold and disclose your personal information.
Please use the Glossary to understand the meaning of some of the terms used in this Policy.
This Policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.
2. Important information and who we are
2.1 Purpose of this Policy
This Policy aims to give you information on how Neo Finance collects and processes your personal data through your use of this website, including any data you may provide through this website when you purchase a product or service or take part in a competition.
This website is not intended for children and we do not knowingly collect data relating to children. It is important that you read this Policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This Policy supplements other notices and privacy policies and is not intended to override them.
2.2 Controller
Neo Finance is the controller and responsible for your personal data (collectively referred to as Neo Finance, "we", "us" or "our" in this Policy).
2.3 Contact details
2.3.1 If you have any questions about this Policy or our privacy practices, please contact our data privacy manager in the following ways: Reid Enterprises (NSW) pty ltd ATF Reid Family Trust TA Neo Finance GroupABN: 97161384293hello@neofinancegroup.com.au139A Beaumont Street Hamilton, NSW 23032.3.2 If you have a complaint about the way in which we have handled any privacy issue, including your request for access or correction of your personal information, you should contact us. Our contact details are set out above.
We will consider your complaint and determine whether it requires further investigation. We will notify you of the outcome of this investigation and any subsequent internal investigation.If you remain unsatisfied with the way in which we have handled a privacy issue, you may approach an independent adviser or contact the Office of the Australian Information Commissioner (OAIC) (www.oaic.gov.au) for guidance on alternative courses of action that may be available.
2.4 Changes to the Policy and your duty to inform us of changes
2.4.1 We keep our Policy under regular review. The personal data we hold about you must be accurate and current. Please keep us informed if your personal data changes during your relationship with us.
2.4.2 Neo Finance may occasionally update this Policy. When it does, Neo Finance will also revise the last updated date at the top of this Policy. Neo Finance encourages you to periodically review this Policy to stay informed about Neo Finance’s collection, use, and disclosure of personal information. Neo Finance reserves the right, at its discretion, to change, modify, add, or remove portions of the Policy at any time.
2.5 Third-party links
This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.
3. The data we collect about you
3.1 Personal data, or personal information (used interchangeably), means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).3.2 We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Identity Data includes first name, maiden name, last name, username or similar identifier, and title.
Contact Data includes billing address, delivery address, email address and telephone numbers.
Financial Data includes bank account and payment card details.
Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.
Usage Data includes information about how you use our website, products and services.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
Communications Record Data includes call recordings, voicemails, voice data, video and audio from meetings, chat logs, and transcripts generated through your use of our services or in the course of our relationship with you.
Business Relationship Data includes deal information, prospect details, pipeline data, referral source information, and other commercial information provided by or relating to you in connection with a prospective or existing engagement.
AI-Generated Data includes outputs, summaries, analyses, recommendations, or other content produced by automated tools or artificial intelligence systems using your data as an input.
3.3 We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this Policy.3.4 We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
3.5 If you fail to provide personal data
Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
4. How is your personal data collected?
4.1 We use different methods to collect data from and about you, including through:
4.1.1 Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
apply for our products or services;
create an account on our website;
subscribe to our service or publications;
request marketing to be sent to you;
enter a competition, promotion or survey; or
give us feedback or contact us.
4.1.2 Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies.
4.1.3 Third parties or publicly available sources. We will receive personal data about you from various third parties as set out below:
5. How we use your personal data
5.1 We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Where we need to perform the contract we are about to enter into or have entered into with you.
Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
Where we need to comply with a legal obligation.
5.2 Generally, we do not rely on consent as a legal basis for processing your personal data, although we will get your consent before sending third-party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.
5.3 Purposes for which we will use your personal data
5.3.1 Marketing
5.3.2 We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
5.3.3 Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
| Purpose / Activity | Type of Data | Lawful Basis for Processing Including Basis of Legitimate Interest |
|---|---|---|
| To register you as a new customer |
|
Performance of a contract with you |
To process and deliver your order including:
|
|
|
To manage our relationship with you which will include:
|
|
|
| To enable you to partake in a prize draw, competition or complete a survey |
|
|
| To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) |
|
|
| To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you |
|
Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy) |
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.
5.3.4 Promotional offers from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us or purchased goods or services from us and you have not opted out of receiving that marketing.
5.3.5 Third-party marketing
We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.
5.4 Opting out
You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by contacting us at any time.
Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service purchase.
5.5 Cookies
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, please see Neo Finance’s Cookie Policy.
5.6 Change of purpose
5.6.1 We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
5.6.2 If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
5.6.3 Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
5.7 Call Recording
We may record telephone calls with our customers, clients, and other third parties for quality assurance, training, compliance, and record-keeping purposes. By engaging in a telephone call with us, you acknowledge and consent to this practice.
Purpose of Recording
The recordings help us to:
Enhance the quality of our services through detailed review.
Provide training to our staff by using real-life examples.
Comply with legal and regulatory obligations.
Address any complaints or disputes that may arise.
6. Who do we disclose your personal information to, and why?
6.1 We may transfer or disclose your personal information to our related companies.
6.2 We may disclose personal information to external service providers so that they may perform services for us or on our behalf.
6.3 We may also disclose your personal information to others outside our group of companies where:
(a) we are required or authorised by law to do so;
(b) you may have expressly consented to the disclosure or the consent may be reasonably inferred from the circumstances; or
(c) we are otherwise permitted to disclose the information under the Privacy Act.
6.4 If the ownership or control of all or part of our business changes, we may transfer your personal information to the new owner.
7. How do we store and hold personal information?
7.1 We store most information about you in computer systems and databases operated by either us or our external service providers. Some information about you is recorded in paper files that we store securely.
7.2 We implement and maintain processes and security measures to protect personal information, which we hold from misuse, interference or loss, and from unauthorised access, modification or disclosure.
These processes and systems include the following:
(a) The use of identity and access management technologies to control access to systems on which information is processed and stored.
(b) Requiring all employees to comply with internal information security policies and keep information secure.
(c) Requiring all employees to complete training about information security.
(d) Monitoring and regularly reviewing our practice against our own policies and against industry best practice.
We will also take reasonable steps to destroy or de-identify personal information once we no longer require it for the purposes for which it was collected or for any secondary purpose permitted under the APPs.
8. Data security
8.1 We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
8.2 We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
8.3 We take reasonable precautions to protect your personal information from loss, misuse and unauthorised access, disclosure, alteration, and destruction. No method of transmission over the Internet, or method of electronic storage is 100% secure, however. Therefore, Neo Finance cannot guarantee its absolute security. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
9. Data retention
9.1 How long will you use my personal data for?
9.1.1 We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
9.1.2 To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
9.1.3 By law we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years after they cease being customers for tax purposes.
9.1.4 In some circumstances you can ask us to delete your data.
9.1.5 In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
9.1.6 When Neo Finance has no ongoing legitimate business need to process personal information, we will either delete or anonymise/de-identify it or, if this is not possible (for example, because the data has been stored in backup archives), Neo Finance will securely store the personal information and isolate it from any further processing until deletion is possible.
9.2 What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
9.3 Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
10. Links to other websites
Neo Finance does not control and cannot be responsible for third-party websites’ content, operation, or privacy policies and other terms of service. Neo Finance is not responsible for the protection and privacy of any information which you provide while visiting such websites and such websites are not governed by this Policy.
11. Children’s Privacy
Our Services and Sites are not intended for use by anyone under the age of 16. Neo Finance does not knowingly collect personal data from anyone under the age of 16. If you are under 16, you may not attempt to register for our Services or send any information about yourself to us, including your name, address, telephone number, or email address. If we become aware that we have collected personal data from someone under the age of 16 without verification of parental consent, we will delete that information promptly. If you are a parent or legal guardian of a child under 16 and believe that a child has provided us with their personal data, please contact us at the email or mailing address provided at the end of this Policy.
12. Your legal rights
Where you are located in Australia, you may have the following rights under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) in relation to your personal data:
To request access to your personal data; and
To request correction of your personal data (APP 13).
We will respond to your requests to access or correct personal information in a reasonable time and will take all reasonable steps to ensure that the personal information we hold about you remains accurate, up to date, complete, relevant and not misleading.
12.4 What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
12.5 Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
13. Glossary
LAWFUL BASIS
Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.
Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Comply with a legal obligation means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.
THIRD PARTIES
External Third Parties
Service providers acting as processors based worldwide; Australia, Philippines, India, and Nepal, who provide IT and system administration services.
Professional advisers including lawyers, bankers, auditors and insurers based in Australia, Philippines, India, and Nepal who provide consultancy, banking, legal, insurance and accounting services.