Privacy Policy

1. About This Policy

L&R Consultants (“we”, “our”, “us”) is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, store, disclose, and protect your personal information.

2. Information We Collect

We may collect the following types of personal information:

• Contact details (name, email address, phone number)
• Location information (state/territory of residence)
• Residency status in Australia
• Business details (business name, ABN) if voluntarily provided
• Details about the type of asset or finance you are interested in
• Any additional information you provide in enquiry forms or correspondence

We do not collect: Detailed financial information, credit reports, income details, tax file numbers, bank account details, or any information that would constitute a credit application.

3. How We Collect Information

We collect personal information directly from you when you:

• Complete an enquiry form on our website
• Use our contact form or email us
• Call or otherwise communicate with us
• Use our calculator or eligibility assessment tools (if you opt to save results)

4. How We Use Your Information

We use your personal information to:

• Respond to your enquiries and provide our consulting services
• Assess your general needs and identify suitable types of finance
• Refer your enquiry to appropriately licensed finance professionals (with your consent)
• Communicate with you about our services (unless you opt out)
• Improve our website and services
• Comply with legal obligations

5. Disclosure to Third Parties

We may disclose your personal information to:

• Licensed finance professionals: where you have consented to a referral, we will share your contact details and enquiry information with an appropriately licensed finance professional
• Service providers: third parties who help us operate our website and business (e.g., hosting providers), who are bound by confidentiality obligations
• Legal requirements: where required by law, regulation, or court order

We will not sell, rent, or trade your personal information to any third party for marketing purposes.

6. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, and disclosure. Personal information is stored on secure servers with appropriate access controls.

7. Your Rights

Under the Australian Privacy Principles, you have the right to:

• Request access to the personal information we hold about you
• Request correction of any inaccurate or outdated information
• Opt out of marketing communications at any time
• Withdraw consent for us to share your information with third parties
• Make a complaint about how we handle your personal information

8. Cookies & Analytics

Our website may use cookies and similar technologies to improve your browsing experience. These do not collect personally identifiable information unless you voluntarily provide it through our forms.

9. Contact Us

If you have any questions about this Privacy Policy or wish to access or correct your personal information, please contact us at:

Email: [email protected]
Phone: +61 449 996 706