Privacy Policy

PANDA MONEY PTY LTD ("we", "us", "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, hold, use and disclose personal information in connection with our business, including commercial and business finance enquiries, funding discussions, referrals, client communications, and related services.

We handle personal information in an open and transparent manner and take reasonable steps to comply with applicable Australian privacy laws.

1. What personal information we may collect

Depending on the nature of your dealings with us, we may collect personal information such as:

• your name; phone number and email address;
• business name, trading name and ABN details;
• job title or role within a business; business contact details;
• information about your finance enquiry, funding needs, or borrowing requirements;
• information about your business, assets, liabilities, income, expenses, or proposed security;
• documents and supporting information you provide during an enquiry, assessment, or referral process;
• records of communications with us; and
• website usage information, device information, cookies data, and analytics information.

2. How we collect personal information

We may collect personal information directly from you when you contact us by phone, email, website form, or social media; submit an enquiry regarding commercial or business finance; provide documents for assessment or referral; request information about our services; or deal with us as a client, prospective client, referrer, supplier, or service provider.

We may also collect personal information from third parties where reasonably necessary, including your authorised representatives, business partners, referrers, professional advisers, and publicly available sources.

3. Why we collect, hold, use and disclose personal information

• responding to your enquiries and communicating with you;
• considering your commercial or business finance requirements;
• introducing or referring you to lenders, funders, brokers, advisers, or service providers;
• assisting with funding discussions, preliminary assessment, or related business processes;
• managing our relationship with you and improving our website, systems, and services;
• internal administration, record keeping, compliance, and risk management; and meeting legal, regulatory, and other lawful obligations.

4. Who we may disclose personal information to

• lenders, funders, brokers, referrers, and business partners relevant to your enquiry;
• our employees, contractors, consultants, and service providers;
• technology, cloud storage, software, hosting, and communication providers;
• professional advisers such as accountants, lawyers, and compliance advisers;
• government agencies, regulators, or law enforcement bodies where required or authorised by law.

5. Overseas disclosure

Some of our service providers that assist with technology, communications, storage, hosting, or administration may be located overseas or may store data overseas from time to time. This includes providers operating in countries such as the Philippines, China, the United States, Singapore, or other jurisdictions.

Where reasonable, we take steps to ensure that overseas recipients handle personal information in a manner consistent with applicable Australian privacy obligations.

6. Website usage, cookies and analytics

Our website may use cookies, analytics tools, and server logs to help us understand site traffic, improve functionality, and enhance user experience. You can manage cookies through your browser settings, though disabling them may affect website functions.

7. Direct marketing

We may use your contact details to send you information about our services where permitted by law. You may opt out at any time by contacting us or using any unsubscribe facility provided.

8. Storage and security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure through physical, administrative, and technical safeguards. However, no method of transmission over the internet is completely secure.

9. Access and correction

You may request access to personal information we hold about you and request correction of information that is inaccurate or incomplete. We may need to verify your identity before processing your request.

10. Complaints

If you have a complaint about how we handle your personal information, please contact us. We will aim to investigate and respond as soon as practicable. If not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).

11. How to contact us

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices or legal obligations. The current version will always be available on this page.