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In this policy, references to 'we', 'us', and 'our' refer to Bonomi Finance Pty Ltd T/As Bono Finance (ABN) 18 645 918 627.
We value your privacy and are committed to safeguarding your personal information in accordance with Australian privacy laws.
When we mention "personal information," we mean data that can reasonably identify you. This may include details or opinions about you, including credit information. Credit information encompasses factors used to assess your finance eligibility, such as existing loans, repayment history, and defaults, typically shared between finance providers and credit reporting bodies.
The personal information we collect may include your name, date of birth, address, account details, occupation, and other details necessary for assessing your finance requirements.
Bonomi Finance Pty Ltd, ACN 645 918 627, ('we', 'us', 'our') collects information about you when you visit our website or enquire about our services. This Privacy Policy explains how we collect, use, and protect your personal information in accordance with Australia's privacy and credit reporting laws.
We collect and use personal information to:
• Respond to enquiries about our credit assistance services
• Provide information about consumer credit for investment purposes, personal, household, domestic or residential purposes
• Provide information about commercial credit for business purposes
• Source suitable credit providers and required insurances
• Manage the application process where required
If you do not provide the information we request, we may be unable to process your enquiry or application, or we may be limited in the services we can offer you.
We collect personal information to assess your finance applications, manage finance arrangements, and for direct marketing purposes. This may include offering additional products or services aligned with your needs.
We primarily collect personal information directly from you, though we may also obtain it from finance brokers, accountants, or lawyers.
When we collect information from you through our website or during the credit application process, we use that information to assess your credit requirements and to source suitable credit providers, lessors, and/or insurance providers.
We may:
• Disclose your identification information to a CRB if you wish us to obtain a report on your behalf
• Use any information the CRB provides in that report to assist preliminary assessment of your consumer credit or guarantor application
• Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain
• Disclose your credit information to credit providers to apply for finance on your behalf
The information we obtain from you is used, subject to compliance with Australia's privacy and credit reporting laws, only for the purposes listed in this Privacy Policy and is not disclosed to any other person except with your permission or as permitted, or required, by law.
As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.
We may submit your application to one or more credit providers. Those credit providers and their website addresses are available upon request.
A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more CRBs.
The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you and describes your key rights. This detail may be described on credit providers' websites as 'notifiable matters', 'privacy policy', 'credit reporting policy' or 'privacy disclosure statement and consent', and includes:
• That the CRB may include information the credit provider discloses about you to other credit providers to assess your credit worthiness
• That, if you become overdue in making consumer credit payments or you commit a serious credit infringement, the credit provider may disclose that information to a CRB
• How you can obtain the credit providers and/or CRB's policies about managing your credit information
• Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
• Your right to request a CRB not to undertake pre-screening for purposes of direct marketing by a credit provider
• Your right to request a CRB not to release information about you if you believe you are a victim of fraud
Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hard copy or email).
Periodically, we may use your personal information to provide finance-related updates, offers, or information on new products or services. You can opt-out of receiving such communications at any time.
We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure.
To maintain accurate records, we rely on you to inform us of any changes to your personal information.
We'll only collect sensitive information with your consent and handle it with care.
You have the right to ask:
• Us to provide you with all the information we hold about you
• Us to correct the information we hold if it is incorrect
• Us for copies of our privacy policy and this document, in a form that suits you (e.g. hard copy or email)
• The CRB not to use our information for direct marketing assessment purposes, including pre-screening
• The CRB to provide you with a copy of the information it holds about you
You can access our Privacy Officer by contacting the telephone on 0431 007 060 or at 265 Fullarton Road, Parkside SA 5063, or by email at rob@bonofinance.com.au. In some cases an administration fee may be charged to cover the cost of providing the information we hold about you.
By using our website or engaging our services, you agree we may use your personal and credit information:
• Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances requirede
• Obtain from, and disclose to, any third party information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you obtain the finance and insurances required
• Provide your information, including your credit report(s), to one or more credit providers so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor
• Provide credit information about you to a guarantor, or prospective guarantor
• Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securities and computer systems providers or consultants, so they can perform those services for us
• Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director
When you visit our website, we may collect:
• Information you provide through contact forms or enquiries
• Technical information such as your IP address, browser type, and pages visited
• Cookies and similar technologies to improve your browsing experience
When you visit our website, we may collect:
Within our business we follow specific procedures to resolve any complaints that you may have. If you have a complaint, please try to contact our office via email at rob@bonofinance.com.au. They will try to resolve all concerns quickly and fairly.
In the unlikely event we cannot resolve your complaint in a satisfactory manner, or you have not received a response from us after 45 days, you can escalate your complaint to the below Ombudsman, a free and independent dispute resolution service provider:
You can check the information we hold about you at any time by contacting our Privacy Officer.
Our Credit Assistance services include:
• Obtaining further information from, including but not limited to, employers, accountants, and credit reporting agencies
• Investigating suitable loans and providing you with information about one or more loans that meet your objectives
• Assessing, verifying and documenting information, ensuring the chosen loan is not unsuitable for you
• Helping you complete the credit application, compiling and submitting the required documents to the credit provider
• Liaising with the credit provider during the approval process, providing any further information that may be required and notifying you of the credit provider's decision
• Assisting with the finalisation of the loan where required
As market practices and regulations evolve, we may update this privacy policy. You can request a copy in an alternative format if needed.
This Privacy Policy was last updated: 02/06/2025
For more information about our services or this Privacy Policy, please contact us using the details above.
