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Privacy Statement: The personal information we collect from you on this form will be used to respond to your query. Our privacy policy contains information about how you can access and correct your personal information, how to make a complaint. and how we deal with complaints.
Privacy Policy
Our Privacy Policy describes how we collect, use and manage your personal information.
Who are we?
‘We’, ‘us’ and ‘our’ refers to;

GROW FINANCE LIMITED ACN 613 082 698 (“Grow Finance”, “we”, “ours” or “us”) is committed to providing quality services to you. We recognise the importance of your privacy and understand your concerns regarding the security of the personal information which you provide to us. This policy outlines Grow Finance's ongoing obligations to you in respect of how Grow Finance manages your personal information. We also describe the measures we take to safeguard your personal information and tell you how to contact us regarding our privacy practices.

Our Privacy Policy describes how we collect, use, disclose and store your personal information under the Privacy Act 1988 (Cth) (Privacy Act), the Australian Privacy Principles (APPs) and the Privacy(Credit Reporting) Code 2014 (CR Code).

This Privacy Policy applies:

(a)       when you sign up, access, or use our website (;

(b)      when you apply for finance or otherwise purchase our products or services; and

(c)       in relation to any personal information we collect from you during the course of our business or which we otherwise receive about you.

In this Privacy Policy, "You” and "Your" means the individual, entity or group that is interacting with Grow Finance.

A copy of the APPs may be obtained from

By using our website, purchasing or applying for our products or services, or otherwise providing personal information to us, you consent to Grow Finance collecting, holding, using and disclosing your personal information in accordance with  this Privacy Policy.

1. What is personal information?

Personal information is any information or an opinion about an identified individual or an individual who can be reasonably identified from the information or opinion. Information or an opinion may be personal information regardless of whether it is true. Your personal information may also include credit reporting information (as defined in the CR Code) and any further information derived from such information.

2. What personal information do Grow Finance collect and hold?
A. Information collected directly from you
Grow Finance collect information about you and your interactions with Grow Finance, for example, when you purchase or use any of Grow Finance's products or services, call Grow Finance or visit Grow Finance's website. The information Grow Finance collects from you may include:
  1. your identity and contact details (including but not limited to your name, date of birth, address and email address);
  2. information about why you are applying for a particular product or service;
  3. details of your superannuation policies;
  4. details about your assets and liabilities;
  5. your history of purchases;
  6. your use of Grow Finance's products and services; and
  7. details of enquiries or complaints you make.

We may also collect sensitive information from you. We will only collect sensitive information from you with your consent. Sensitive information may include information about your health, ethnic origin or criminal record.

B. Credit Information
To the extent permitted by law, we may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities. Credit information may include the following:
  1. consumer credit liability information, including details of your credit provider and the terms of your credit;
  2. repayment history information;
  3. information about the type of finance that you are applying for;
  4. new arrangement information, which includes information about a variation to existing liabilities;
  5. serious credit infringements;
  6. payment information with respect to previously reported defaults;
  7. personal insolvency information, which is information that is entered into the National Personal Insolvency Index which relate to such things as debt agreements, bankruptcy personal insolvency agreements; and
  8. court proceedings information including court judgements and writs.
C. Information collected automatically
Grow Finance may also automatically collect information about how you access, use and interact with Grow Finance's website. This information  may include:
  1. the location from which you have come to the site and the pages you visited; and
  2. technical data, which may include your IP address, the types of devices you are using to access the website, device attributes, browser type, language and operating system.
D. Cookies
To enrich your online experience, Grow Finance use cookies on the website.  

A cookie is a small text file that the website may place on your device to  store information. Grow Finance may use persistent cookies (which remain on your computer even after you close your browser) to store information that may speed up your use of our website for any of your future visits to the website. Grow Finance may also use session cookies (which no longer remain after you end your browsing session) to help manage the display and presentation of information on the website.  You may refuse to use cookies by selecting the appropriate settings on your browser. However, please note that if you do this, you may not be able to use the full functionality of the website
3. Why do Grow Finance collect, hold and use your personal information?

We collect, hold, use and disclose personal information from you or about you where it is reasonably necessary for us to carry out our business functions and activities and as necessary to provide our services to you or to respond to and action any requests made by you. We also collect, hold, use and disclose your personal information for related purposes that you would reasonably expect, such as our administrative and accounting functions.

Specifically, Grow Finance may collect, hold and use your personal information so that Grow Finance can:

  1. provide you with products and services, and manage Grow Finance 's relationship with you;
  2. arrange and assess your application for finance or other products and manage that finance or other product;
  3. assess your financial situation and discharge our duties and functions under relevant legislation, include the Bankruptcy Act 1966 (Cth) and the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth);
  4. respond and communicate with you about your requests, transactions, questions and comments and allow you to receive our newsletters and communications;
  5. provide other loan products and service(s) you have requested or qualify for;
  6. provide services in relation to business options;
  7. undertake debt recovery and associated enforcement activities;
  8. comply with our legal obligations and assist government and law enforcement agencies or regulators; and
  9. identify and tell you about other products or services that Grow Finance think may be of interest to you.

If you do not consent to us collecting, using and/or disclosing your personal information as set out in this Privacy Policy, or if we cannot verify your personal information, Grow Finance may not be able to provide you with Grow Finance's products and services, communicate with you or respond to your enquiries.

In addition, we use information collected online through the use of cookies, and other automated means. This information is used to:

  1. recognise your computer when you visit the website;
  2. track you as you navigate the website;
  3. display content on our website;
  4. operate, evaluate and improve our business and website usability;
  5. analyse your use of the website;
  6. personalise the website, including targeted advertisements that may be of particular interest to you;
  7. help diagnose technical and service problems; and
  8. gather demographic information about our users.

We use such information to assist us in providing an effective service (for example, to adapt our website to the needs of your device or to allow you to log in to our website), and to collect broad demographic information for identified, aggregated use.

4. How do Grow Finance collect your personal information?
Where reasonable and practical, Grow Finance will collect your personal information directly from you. For example, we may collect personal information from you via telephone, email or from the information you submit to us directly via the website.  Grow Finance may also collect information from third parties such as:
  1. law enforcement / government agencies;
  2. credit providers and credit reporting bodies;
  3. previous employers;
  4. social media; and
  5. third party data providers.

We also collect information about your online activitiesautomatically when you are using the website, usually from the use of cookies.

If we receive unsolicited personal information that we have not requested or which we do not require to provide our services to you then we will destroy or de-identify the information if it is lawful and reasonable to do so.

5. How do Grow Finance store and hold personal information?
We respect the privacy of personal information and will take reasonable steps to keep it strictly confidential. 

Grow Finance store most information about you in computer systems and databases operated by either Grow Finance or Grow Finance's external service providers. Some information about you is recorded in paper files that Grow Finance store securely.

‍GrowFinance may store data aboutyou:
  1. in Grow Finance's cloud-based data storage systems located in Australia and hosted by Microsoft Azure; and
  2. in Grow Finance's offices in Sydney, Melbourne and Brisbane.

Grow Finance implement and maintain processes and security measures to protect personal information which Grow Finance hold from misuse, interference or loss, and from unauthorised access, modification or disclosure. These processes and systems include:

  1. the use of identity and access management technologies to control access to systems on which information is processed and stored;
  2. requiring all employees to comply with internal information security policies and keep information secure;
  3. requiring all employees to complete training about information security; and
  4. monitoring and regularly reviewing Grow Finance's practices against Grow Finance 's own policies and against industry best practice.

Grow Finance will also take reasonable steps to destroy or de-identify personal information once Grow Finance no longer require it for the purposes for which it was collected or for any secondary purpose permitted under the Privacy Act or the CR Code. The security of your personal information is important to us. As any submission of information over the internet is never entirely secure, we cannot ensure or guarantee that loss, misuse or alteration of information will never occur, but we will use all reasonable efforts to prevent it.

6. Who does Grow Finance dosclose your personal information to, and why?

We will disclose personal information to third parties if it is necessary for the primary purpose for which we collected the information, or for a related secondary purpose, if the disclosure could be reasonably expected.

Your personal information may be made available to suppliers, contractors or other third parties in order for them to perform services on our behalf, or to resolve issues or disputes that arise in connection with your use of our services.

For example, we may share your personal information to:

  1. credit providers and credit reporting bodies; and
  2. Government agencies (by request or statutory requirement).

Grow Finance may also transfer or disclose your personal information to its related companies and affiliates.

Where required by law, we will require that the third party undertake to treat the personal information in accordance with the APPs and any other applicable privacy laws.

Where we wish to use or disclose your personal information for other purposes which you may not reasonably expect, we will seek your prior consent to such disclosure.

Otherwise, we will only disclose your personal information to third parties without your consent if the disclosure is:

  1. necessary to protect or enforce our legal rights or interests or to defend any claims;
  2. necessary to prevent or lessen a serious threat to a person’s health or safety;
  3. required or authorised by law; or
  4. permitted by another exception in the applicable privacy laws.

If the ownership or control of all or part of Grow Finance's business changes, Grow Finance may transfer your personal information to the new owner.

7. Does Grow Finance disclose personal information to overseas recipients?

Grow Finance may disclose your personal information to recipients which are located outside Australia. Those recipients are likely to be located in the United States of America, Canada and New Zealand. If Grow Finance discloses your personal information to a recipient which is located outside Australia, Grow Finance will:

  1. take reasonable steps to make sure the overseas recipient will not breach the APPs (e.g. contractually bind the overseas recipient to comply with the APPs); or
  2. expressly inform the relevant individual that if they consent to the disclosure, Grow Finance will not be required to comply with the APPs regarding disclosure of the information overseas and the relevant individual expressly consents to the disclosure; or
  3. form a reasonable belief that:
    a.             the overseas recipient is subject to a law, or binding scheme, that has the effect of protecting the information in a way that, overall, is at least substantially similar to the way the APPs protect the information; and
    b.             there are mechanisms that can be accessed by the relevant individual to enforce that protection of the law or binding scheme.

We do not disclose your credit information overseas.

Notifiable Matters

The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information. We provide your credit information to the credit reporting body and to other credit providers as permitted by law.

We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance, manage your finance, and administer your debt or personal insolvency agreement.

If you fail to meet your payment obligations in relation to any finance that we have provided or arranged for you or if you have committed a serious credit infringement, we may disclose this information to a credit reporting body. The credit reporting body may disclose the credit information that we provide to other credit providers to assess your creditworthiness.

You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see section 12 of this Privacy Policy for further information.

Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way. You may also contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification, the credit reporting body must not use or disclose that credit information.


The credit reporting body that we use is Equifax. You can contact the mat at any time, 13 83 32 between 9am to 5pm AEST. A copy of Equifax’s policy setting out how it manages credit-related personal information can be found at

9. Marketing

Unless you have opted out of marketing communications Grow Finance may use your personal information to offer you products and services Grow Finance believes may interest you.

Where required by applicable law, we will obtain your consent before sending you any marketing communications from Grow Finance. You may withdraw your consent to the use of your data for marketing purposes at anytime by following the instructions provided in the communication  or contacting us on our contact details in section 12 of this Privacy Policy.

10. What rights you have over your personal information

Under the legislation applicable to you, you may be entitled to exercise some or all of the following rights:

A. Access to information

You may request (i) information as to whether your personal or credit information is held by us; and (ii) access to your personal or credit information.

There is no charge for requesting access to your personal or credit information but Grow Finance may require you to meet its reasonable costs in providing you with access (for example, photocopying costs or costs for time spent on collating large amounts of material).

There may be situations where we are not required to provide you with access to your personal or credit information. If we refuse to give you access to the information you have requested, we will give you written notice within 30 days of your request setting out our reasons for the refusal(unless it is unreasonable to do so), the mechanisms available to you to complain about our decision, and other information as required by law.

B. Correction

You may request rectification, erasure, removal or restriction of your personal or credit information, for example, because (i) it is in complete or inaccurate, (ii) it is no longer needed for the purposes for which it was collected, or (iii) you have withdrawn your consent.

We take all reasonable steps to ensure that the personal information Grow Finance hold about you remains accurate, up to date and complete.

Where we are satisfied that credit-related personal information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take reasonable steps to correct the information within 30days.

If you wish to contact us in relation to any of the rights outlined in this section, you can do so by contacting us using our contact details in section 12 of this Privacy Policy.

11. Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with this Privacy Policy, the Privacy Act or the CR Code, you may contact us as set out in section 12 of this Privacy Policy.  We will acknowledge your complaint within 7 days. We will provide you with a formal response to your complaint within a reasonable time, which will usually be within 30 days.

If you remain unsatisfied with the way in which Grow Finance have handled a privacy issue, you may contact the Office of the Australian Information Commissioner ( for guidance on alternative courses of action which may be available.

12. Contact details

If you have any questions, comments, or concerns, about this Privacy Policy or any requests concerning your personal information, please contact Grow Finance at:

Name: Andrew McVeigh


13. Changes to this policy

We reserve the right to change this Privacy Policy from time to time. Any changes to Grow Finance's Privacy Policy will be published on its website.

Your continued use of this website after any change to this Privacy Policy will constitute your acceptance of such change.

You may request further information about the way we manage your personal or credit information by contacting us.

This Privacy Policy was last updated in November 2021

Comprehensive Credit Reporting
Credit Report FAQs
1. Why is there new information in my report?

In March 2014 new laws enabled more information to be included on credit reports. This is known as Comprehensive Credit Reporting (CCR). Previously there was only negative information like credit enquiries and defaults; now positive information like whether you make repayments on time can be included. It gives a fairer and more accurate picture of your credit worthiness and supports responsible lending.

Some lenders are now supplying CCR information to Equifax and this is being reflected on credit reports.

2. How can I tell which lenders are providing CCR information to Equifax about me and which are not?

The lenders which are providing CCR information can be found in the Consumer Credit Information section of your credit report in the Consumer Credit Liability Information table.

Sample from Your Credit and Identity:

Sample from My Credit File :

3. What sections of my credit report are affected by CCR?

There will be new information added to the summary of the report, as well as under the heading of “Consumer Credit Liability Information”. This may include repayment history information when it has been provided by a lender.

Sample from Your Credit and Identity:

In the Credit Overview section of your report you will see overdue accounts (defaults) as well as ‘missed payments’ which is repayment history information.

You will notice a change to the information included in the Consumer Credit Liability Information section of your credit report. This will include Current Repayment Status when it has been provided by a lender.

Sample from My Credit File:

You will notice a change to the information included in the Consumer Credit Liability Information section of your credit report under Financial Account. This will include Repayment History Information when it has been provided by a lender.

4. Why are there multiple Consumer Credit Liability Information sections from the same lender?

The Consumer Credit Liability Information section indicates that you have existing credit with a lender. If you have multiple accounts with the lender (credit card, personal loan, mortgage, etc.) and they provide CCR data on each account, a separate Consumer Credit Liability Information table will appear for each account.

a) Consumer Credit Liability Information as part of Comprehensive Credit Reporting (CCR)

Additional information can be included on credit reports as part of CCR. You will see a Consumer Credit Liability Information table for each lender that is supplying CCR data to Equifax. The data that will be included in this table includes:

b) Consumer Credit Liability Information for existing credit accounts

For some individuals, another Consumer Credit Liability Information section may also appear. This indicates that you have a current account with a lender and they may be monitoring your credit report for changes. The data that appears when a lender monitors your account is:

Sample from Your Credit and Identity:

Sample from My Credit File:

5. What is the difference between a “late payment” and a “default”?

A late payment is where the minimum repayment on a credit account, like a credit card, personal loan or mortgage has not been made on time, in accordance with the credit contract payment schedule (or within a 14 day grace period). Only licensed credit providers can share and receive repayment history information. This doesn’t include telco and utility companies. Repayment history information is recorded monthly and can be held on your credit report for two years. This is displayed as a number indicating how many days in arrears an account was in a specific month.

A default (or overdue account) is the reporting of a debt incurred as part of a credit contract where the lender has followed their obligations in trying to collect the overdue funds and has notified the customer of this action. A default can only be recorded on your report if you miss a payment which is more than $150 and is more than 60 days overdue. Before listing a default the credit provider must have taken steps to collect the whole or part of the outstanding debt. This means they have sent you a written notice seeking payment (setting out the amount overdue) and a separate written notice advising you that the debt may be reported to a credit reporting body. The default is listed with Equifax to show that the debt is outstanding. This may or may not mean the account is active. A default remains on your credit report for five years.

6. What is a “grace period”?

A “grace period” is the time following the due date of an account in which the lender cannot report the account as a late payment as part of the Repayment History Information. The grace period is 14 days. Lenders who provide CCR data have taken into account the grace period as part of their calculation for late payments.

7. How is a “late payment” vs. a “default” displayed on my report?

Sample from Your Credit and Identity:

Repayment history information

Late payments can be found in the Consumer Credit Liability Information section of your report while default information is found in the Overdue Accounts section.


Sample from My Credit File:

Repayment History Information


8. What CCR data will mortgage brokers see about me when working with lenders on my behalf?

When a mortgage broker is working with lenders on your behalf, they can obtain a copy of your credit report from Equifax. As each lender may assess you on a different set of criteria, your broker will be privy to all the information on your report, including the comprehensive and negative scores. A mortgage broker (also known as an “Access Seeker”) credit report shows your broker scores as well as all the underlying data so the broker can match your profile to the best fit lender.

The Access Seeker method of report access leaves a “file access note” instead of an enquiry in the Consumer Credit Information section on the report and therefore does not impact your credit score. This is not visible to lenders and other credit providers.

9. Why do I see a file access note some months but not others on my credit report?

Equifax has an obligation to make a written note of any disclosure it makes of credit information. One of the ways Equifax does this is via the File Access notation, known as Other Access on a My Credit File report. Equifax also uses File Access notations to record when it has accessed an individual’s credit report. In addition, if Equifax amends an individual’s credit report by removing or amending information (e.g. an enquiry, default or judgement), a file access notation will be added as a record of the original disclosure.

File Access information can only be seen by the individual and Equifax and is not seen or disclosed to lenders. It does not form part of any decision made by a credit provider with respect to an application for credit.

10. Will CCR data affect the number of File/Other Access notes on my credit report?

No. A File Access or Other Access note is recorded when Equifax discloses consumer credit information, commercial credit information or publicly available information that is not recorded elsewhere. This is generally when Equifax accesses your credit information to generate your credit report or as part of investigating a dispute. It can also be where you have appointed a third party, such as a mortgage broker, to act on your behalf and obtain a copy of credit information Equifax holds on you. Please note that this information can only be seen by yourself and Equifax. Lenders who access your information do not see this information.

Sample from Your Credit and Identity:

Sample from My Credit File:

11. What do the symbols/numbers mean on the Current Repayment Status of my report?

You can find out more about what the symbols mean in the glossary attached to your report.

In Your Credit and Identity this is found below the repayment history table in the Consumer Credit Liability Information section of the report by expanding the ‘Legend’.

Sample from My Credit File :

For My Credit File the explanation of the symbols is found in the Glossary section at the end of the report under Consumer Credit Information – Consumer Credit Liability Information.

12. Why are there 24 months of repayment history listed when I only opened the account recently?

Sample from Your Credit and Identity:

For example if an account was opened in October repayment history information would be displayed starting in October.

Months marked as “Account Closed” means the account was not yet open in that period.

“Payment Not Reported” means that the lender has not yet reported the repayment information to Equifax.

“Outside Reporting Window” means prior to lender notification of disclosure. Lenders are not allowed to report data prior to customer notification.

Sample from My Credit File:

For example if an account was opened in October repayment history information would be displayed starting in October. Previous months are marked as “C” which means the account was not yet opened in that period.

13. What does “Payment Not Reported” mean?

“Payment Not Reported” means that the lender has not yet reported the repayment information to Equifax.

14. What does “Outside Reporting Window” mean?

“Outside Reporting Window” means prior to lender notification of disclosure. Lenders are not allowed to report data prior to customer notification.

15. What happens to accounts that I had open before CCR came into effect?

CCR data cannot be reported unless customers are notified. It can only be reported from the date specified in the customer notification onwards.

16. What is a banned file?

If you believe that your personal identity details are being used, or could be used, fraudulently you can request Equifax to place a ban on your file. During the ban period, Equifax will not disclose your file to any lender, however, they will keep updating the file as new or amended data is available such as late payments, defaults, and bankruptcies.

The initial period of ban is 21 days, and you can request an extension for an additional three months.

17. What is a Correction?

A correction is where you, or your authorised representative, contacts Equifax or the lender to dispute the accuracy of information on your credit file and requests a correction.

18. What is a Complaint?

A complaint is the process of an individual, or their authorised representative, who does not agree with the processes and procedures that Equifax practices as a Credit Reporting Body. You can make a complaint via phone, mail, fax or an email.

Credit Score FAQs
1. How is my credit score affected by CCR?

Once monthly repayment history information is included in your credit report it will update regularly and will mean that your credit score may change from month-to-month. CCR scores for individuals are not yet available.

2. How does a “late payment” vs. a “default” affect my score?

If you pay your credit card or loan repayments more than 14 days past the due date, this can be recorded on your credit report as a late payment. It is unlikely one late payment, depending upon how late the payment was, followed by making your repayments on time, will significantly impact your credit score, however, a number of late payments could be an indication you are in financial stress and may negatively impact your credit score.

A default will negatively impact your credit score. If you have a default on your credit report you can lessen the impact of the default on your score by making repayments on time. This more recent good behaviour can help improve your score.

3. When will the score I see match the score my lender assesses me on?

When CCR scores for individuals become available, the score will be derived in a similar way to lender’s scores.

Credit Alert FAQs
1. How are my credit alerts affected by CCR?

Currently your alerts are not impacted by CCR – this includes both My Credit Alert and Your Credit and Identity alert services.

2. What CCR information on my file triggers an alert for me vs. a lender who is monitoring me?

CCR enabled alerts services are not currently available.

Product Links

For more information about My Credit File credit reports and alerts including how to request corrections, go to

For more information about Your Credit and Identity credit scores, credit reports, and alerts including how to request corrections, go to