Introduction
This policy applies to Unipay Finance Pty Ltd (ACN 656 148 702). Unipay Finance is an Authorised Representative of STRAWBERRY LOANS PTY. LTD (Credit Licence 519253). Unipay Finance’s Credit Representative Number (CRN) is 567231.
We are committed to protecting your personal information. Ensuring the privacy and security of your data is essential to maintaining your trust in us.
We collect, use, store, and disclose your personal information strictly for lawful purposes, in compliance with:
- Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)
- Privacy Act 1988 (Cth)
- National Consumer Credit Protection Act 2009 (Cth)
We comply with the Australian Privacy Principles and all relevant legislation.
Definition of Personal Information
Personal information refers to any information or opinion that can reasonably identify an individual. This includes:
- Identity and contact details
- Financial and employment information
- Sensitive data such as health or criminal records
We may also hold credit-related information, including:
- Credit history and repayment records
- Overdue payments and defaults
- Court judgments or serious credit infringements
- Personal insolvency details
- Information obtained from credit reporting bodies
Information We Collect
We may collect the following types of information:
- Full name, date of birth, address, phone number, and email
- Identification documents (e.g. passport, Medicare card, driver’s licence)
- Employment and income information
- Bank account details and transaction history
- Sensitive personal data, where necessary
If you do not provide the required information, we may not be able to offer our services.
Digital and Online Data Collection
We collect information through your interactions with our website and mobile applications using cookies and similar technologies. These help us:
- Enhance user experience
- Perform usage analytics
- Monitor for security and fraud
- Improve marketing effectiveness
You may manage cookie preferences via your browser settings.
Why We Collect Your Information
Your personal and credit-related information helps us to:
- Identify and verify your identity
- Assess your eligibility for loans or services
- Manage financial applications and products
- Monitor repayments and conduct credit checks
- Handle disputes and meet legal obligations
- Perform business analytics and improve our services
- Offer personalised promotions using de-identified data
How We Collect Your Information
We generally collect information directly from you. However, we may also gather data from:
- Credit reporting bodies (e.g. Equifax, Experian, Illion)
- Your bank or financial institution
- Service providers and marketing affiliates
- Third-party platforms, including Facebook or Google
Disclosure of Your Information
We may disclose your information to trusted third parties, including:
- Credit reporting bodies and debt collectors
- Data verification and analytics providers
- Our affiliated companies and service partners
- Marketing and lead generation businesses
- IT support firms, auditors, and mailhouses
- Regulatory authorities as required by law
Some of these parties may be located outside Australia.
Use of Testimonials
We may publish your feedback (e.g. first name and suburb) on our website. To request removal, contact:
customercare@unipayloans.com.au
Credit Reporting Practices
We work with credit reporting agencies to:
- Assess your loan applications
- Monitor financial arrangements
- Report defaults or serious credit issues
Credit agencies we use:
- Illion – illion.com.au
- Experian – experian.com.au
- Equifax – equifax.com.au
You may opt out of marketing-based pre-screening or request corrections to your credit file.
How We Protect Your Data
We implement strong safeguards to protect your information from:
- Loss
- Misuse
- Unauthorized access or disclosure
Information may be stored securely in Australia or overseas in cloud-based environments.
Keeping Your Information Updated
To help us maintain accurate records, please notify us of any changes to your personal details.
Accessing or Correcting Your Information
To request access to your personal or credit-related information, contact:
customercare@unipayloans.com.au
We may charge a reasonable access fee. Most requests are processed within 30 days.
Use of Government Identifiers
We may collect identifiers (e.g. Medicare number, TFN, driver’s licence) only when legally required and will not use them for unrelated purposes.
Anonymous Transactions
In some cases, we may allow anonymous or pseudonymous interactions. However, services may be limited without full identification.
Complaints & Disputes
If you have a privacy concern or complaint, please contact us directly. We aim to resolve all complaints within 30 days.
If you’re not satisfied, you can contact:
- Australian Financial Complaints Authority (AFCA)
www.afca.org.au | 1800 931 678 - Office of the Australian Information Commissioner (OAIC)
www.oaic.gov.au | 1300 363 992
Changes to This Policy
We may update this policy periodically. The latest version will always be available on our website.
Last updated: 10 July 2025
Contact Us
For privacy concerns, access requests, or general inquiries:
- Phone: 1300 822 379
- Email: customercare@unipayloans.com.au
- Mail: PO Box 3441, Rundle Mall, SA 5000