Loan Ranger Finance Pty Ltd trading as FundUp
Credit Representative 571356 of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192
Effective: May 2025 | Last reviewed: April 2026
Loan Ranger Finance Pty Ltd (ABN to be inserted), trading as FundUp (we, us, our), is committed to protecting your personal information. We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This policy explains what personal information we collect, why we collect it, how we use and disclose it, and what rights you have in relation to it.
By using our website (fundup.com.au), submitting a contact or loan enquiry form, or engaging with our services, you agree to the collection and use of your information as described in this policy.
FundUp is an Australian mortgage brokerage that specialises in home loans, investment loans, refinancing, and asset finance for self-employed borrowers and small business owners.
We operate as a Credit Representative under the Australian Credit Licence held by LMG Broker Services Pty Ltd. In providing credit assistance, we are subject to the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and the responsible lending obligations it imposes.
We collect personal information you provide when you:
The personal information we collect may include: full name, date of birth, and contact details (email, phone, address); employment status, occupation, ABN, and self-employment details; income information including business financials, tax returns, and bank statements; assets, liabilities, and credit history; loan purpose, property details, and purchase plans; identification documents (driver licence, passport).
As part of assessing your loan application, we may collect, use, and disclose credit information as defined under the Privacy Act. This includes: credit liability information (existing debts, repayment history); repayment history information obtained from credit reporting bodies (CRBs); information about credit applications you have made; court judgments, insolvency information, and serious credit infringements (if applicable).
We handle credit information in accordance with the Privacy (Credit Reporting) Code 2014 and the requirements of the NCCP Act.
When you visit our website, we may collect technical information including: IP address and browser type; pages visited and time spent on the site; referral source (e.g., how you found our website); cookie identifiers and similar tracking technologies.
We use this data to improve website performance and to measure the effectiveness of our advertising. See Section 8 for more detail on cookies and digital tracking.
We collect personal information for the following purposes:
We will not use your personal information for any purpose that is incompatible with the purpose for which it was collected, unless we have your consent or are permitted or required by law.
To provide credit assistance, we will share your personal information with lenders on our panel. These include banks, non-bank lenders, and specialist lenders. The specific lenders we approach on your behalf will be disclosed to you during the application process.
We operate under LMG Broker Services Pty Ltd as our aggregator. LMG may access information relating to your application for compliance, auditing, and quality assurance purposes. LMG's privacy policy is available at lmgbrokerservices.com.au.
We use third-party service providers to operate our business. These providers may access your personal information only to the extent necessary to perform their services. They include: CRM and practice management software providers (including GoHighLevel); cloud storage and document management providers; email and communication platform providers; advertising and analytics platforms (see Section 8); identity verification services.
We take reasonable steps to ensure service providers handle your information in accordance with this policy and applicable privacy laws.
We may disclose your personal information to credit reporting bodies (CRBs) as part of assessing your credit application. CRBs are required to handle your information in accordance with the Privacy Act and the Privacy (Credit Reporting) Code.
The CRBs we may use include Equifax, Experian, and illion. Each CRB has its own privacy policy and procedures for managing credit-related information.
We may disclose your personal information to government bodies, regulators, or law enforcement agencies where required or authorised by law, including: Australian Securities and Investments Commission (ASIC); Australian Financial Complaints Authority (AFCA); Australian Transaction Reports and Analysis Centre (AUSTRAC); other regulatory bodies with relevant jurisdiction.
Some of our service providers may store or process data outside Australia. Where this occurs, we take reasonable steps to ensure those providers are subject to privacy obligations comparable to the APPs. By using our services, you consent to your information being handled by overseas recipients where this is necessary for the provision of our services.
We will not otherwise disclose your personal information to overseas recipients without your consent, unless permitted by law.
We store your personal information on secure systems, including cloud-based CRM and document management platforms. We take reasonable technical and organisational steps to protect your information from misuse, interference, loss, and unauthorised access, modification, or disclosure.
These measures include: encryption of data in transit and at rest; access controls and password protection; staff training on privacy and data security obligations; regular review of our data handling practices.
We retain your personal information for as long as is necessary to fulfil the purposes for which it was collected, or as required by law. Loan application records are generally retained for a minimum of 7 years in accordance with NCCP Act obligations.
We may use your contact details to send you information about our products and services, market updates, and content relevant to self-employed borrowers where: you have consented to receive such communications, or we reasonably believe the communication is directly related to your use of our services.
You can opt out of marketing communications at any time by: clicking the unsubscribe link in any email we send; or contacting us directly using the details in Section 11.
We will not use sensitive information (as defined by the Privacy Act) for direct marketing purposes without your explicit consent.
Our website uses cookies, pixels, and similar tracking technologies for the following purposes: measuring website traffic and user behaviour (e.g., Google Analytics); tracking conversions and advertising performance; delivering and optimising paid advertising on Meta (Facebook and Instagram) and Google.
We use the Meta Pixel (ID: 927553086670437) on our website. The Meta Pixel collects information about your actions on our website (such as pages visited and forms submitted) and may share that information with Meta Platforms, Inc. This allows us to measure the effectiveness of our advertising and show relevant ads to people who have visited our website.
Meta's data practices are governed by Meta's Privacy Policy, available at facebook.com/privacy/policy. Meta Platforms, Inc. is based in the United States.
We use Google Analytics and Google Ads to measure website performance and advertising effectiveness. Google may collect your IP address and information about your browsing behaviour. Google's privacy practices are available at policies.google.com/privacy.
Most web browsers allow you to manage or disable cookies through your browser settings. Disabling cookies may affect the functionality of our website. Opt-out tools are available at: youronlinechoices.com.au (Australian opt-out tool); or your browser settings under Privacy or Cookies.
You have the right to request access to the personal information we hold about you, and to request that we correct any information that is inaccurate, out of date, incomplete, irrelevant, or misleading.
To make an access or correction request, contact us using the details in Section 11. We will respond to your request within 30 days. In some circumstances we may be unable to provide access (for example, where it would reveal the personal information of another individual, or where an exemption applies under the Privacy Act). We will explain any refusal in writing.
If you believe we have not handled your personal information in accordance with the Privacy Act or this policy, you can make a complaint to us in the first instance. We will acknowledge your complaint within 5 business days and provide a substantive response within 30 days.
To lodge a complaint with us, use the contact details in Section 11 and mark your communication as a privacy complaint.
If you are not satisfied with our response, you may escalate your complaint to:
Office of the Australian Information Commissioner (OAIC)
Website: oaic.gov.au | Phone: 1300 363 992 | Mail: GPO Box 5218, Sydney NSW 2001
Australian Financial Complaints Authority (AFCA)
Website: afca.org.au | Phone: 1800 931 678 | Mail: GPO Box 3, Melbourne VIC 3001
For all privacy enquiries, access requests, correction requests, and complaints, contact us:
FundUp — Loan Ranger Finance Pty Ltd
Phone: 0412 885 734
Email: privacy@fundup.com.au
Website: fundup.com.au
Please mark your communication 'Privacy Enquiry' so we can direct it promptly.
We may update this policy from time to time to reflect changes in our business practices, technology, legal obligations, or regulatory requirements. The current version is always available at fundup.com.au/privacy.
We will notify you of material changes by email (where we hold your contact details) or by posting a notice on our website.
Loan Ranger Finance Pty Ltd trading as FundUp is a Credit Representative 571356 of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. Credit assistance is subject to lender credit criteria, fees, charges, and terms and conditions. All mortgage broking activities are conducted in accordance with the National Consumer Credit Protection Act 2009 (Cth) and the Australian Privacy Principles under the Privacy Act 1988 (Cth).