Last updated: 9th of December 2025
Flow Lending is committed to protecting your privacy and handling your personal information in a transparent and secure way. This Privacy Policy explains how we collect, use, disclose and protect your information when you visit our website, apply for finance, or otherwise interact with us.
By using our website or providing your information to us, you agree to this Privacy Policy.
1. Information we collect
We may collect the following types of information:
1.1 Personal information
Information that identifies you or your business, such as:
- Name and contact details (email, phone, address)
- Date of birth and driver licence details
- Business name, ABN/ACN and business address
- Position within the business
1.2 Financial and credit information
Information we need to help assess your eligibility for finance, such as:
- Business bank statements and account details
- Business turnover and trading history
- Existing loan or credit arrangements
- Credit history information (where permitted and with consent)
1.3 Website and usage information
When you use our website, we may automatically collect:
- IP address and device information
- Browser type and operating system
- Pages viewed, time on site and referring URLs
- Information collected through cookies and similar technologies
You can adjust your browser settings to reject cookies, although this may affect some website functionality.
2. How we collect your information
We may collect information:
- Directly from you when you submit an enquiry, complete an application form, speak with us by phone or email, or use our website
- From your business bank accounts or accounting software (where you authorise access)
- From third parties, such as credit reporting bodies, lenders, or other service providers involved in your application (where permitted and with consent)
3. How we use your information
We use your information to:
- Assess your eligibility and suitability for finance products
- Provide finance broking and related services to you
- Present you with finance options from our panel of lenders
- Communicate with you about your enquiry, application or existing arrangements
- Comply with legal, regulatory and reporting obligations
- Improve our website, services and customer experience
- Send you relevant updates, offers or information (you can opt out at any time)
We will only use your information for the purposes for which it was collected, or for related purposes that you would reasonably expect, unless you consent otherwise or we are required or permitted by law.
4. Disclosure of your information
We may disclose your information to:
- Lenders and funding partners who may provide finance to you
- Service providers who support our operations (for example, IT, cloud hosting, data storage, identification verification, marketing and analytics)
- Credit reporting bodies and other third parties involved in assessing your application (where permitted and with consent)
- Professional advisers such as accountants, auditors, lawyers or consultants
- Government, regulatory or law enforcement authorities, where required or authorised by law
We will take reasonable steps to ensure third parties handle your information in a way that is consistent with this Privacy Policy and applicable privacy laws.
5. Overseas disclosure
Some of our service providers or lenders may be located outside your country or may store information overseas. Where this occurs, we take reasonable steps to ensure your information is handled securely and in accordance with applicable privacy requirements.
6. Security of your information
We take reasonable technical, organisational and physical measures to protect your information from misuse, interference, loss, unauthorised access, modification or disclosure.
However, no method of transmission or storage is completely secure. While we work to protect your information, we cannot guarantee absolute security.
7. Accessing and correcting your information
You may request access to the personal information we hold about you, or request that we correct any information that is inaccurate, incomplete or out of date.
To do this, please contact us using the details below. We may ask you to verify your identity before responding to your request. In some cases, we may be unable to provide access, for example where it would breach someone else’s privacy or legal obligations. If that happens, we will explain why.
8. Direct marketing
We may use your contact details to send you information about products, services or offers that may be relevant to you.
You can opt out of receiving marketing messages at any time by following the unsubscribe instructions in our emails or by contacting us directly.
9. Third-party websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to read the privacy policies of any websites you visit.
10. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be posted on our website with a revised “Last updated” date. We encourage you to review this page periodically to stay informed about how we handle your information.
11. Contact us
If you have any questions, concerns or complaints about this Privacy Policy or how we handle your information, or if you would like to request access or correction, please contact us:Flow Lending
Email: info@flowlending.com.au
Phone: 1300 988 961