Last updated: February 13, 2026

Who we are

JCF Finance Pty Ltd T/A Settled With Joe
Credit Representative Number: 496121
Australian Credit Licence Holder: Yellow Brick Road Aggregation (ACL 390261)

Contact Details
Email: info@settledwithjoe.com.au
Website: www.settledwithjoe.com.au

Privacy Officer
Email: info@settledwithjoe.com.au

What this privacy policy does

This Privacy Policy explains:

  • What personal and credit information we collect about you
  • Why we collect it and how we use it
  • Who we share it with (including credit reporting bodies and credit providers)
  • Your rights regarding your information
  • How to access, correct, or complain about your information
  • How we protect your information

By using our services or providing your information to us, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy, in accordance with the Australian Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2014.

Any reference to “we”, “us”, or “our” refers to JCF Finance Pty Ltd T/A Settled With Joe (Credit Representative Number: 496121) operating under Yellow Brick Road Aggregation (ACL 390261).

Purpose of collection

Primary purpose

We collect personal information and credit information about you for the following purposes:

  • To assist you with consumer credit for personal, household, domestic, or residential investment purposes (home loans, personal loans)
  • To assist you with commercial credit for business purposes (business loans)
  • To assist you with Self-Managed Superannuation Fund (SMSF) loans
  • To source insurance products and other services you may require
  • To assess and process guarantor applications
  • To comply with our legal obligations under Australian law

Why we need this information

As your credit broker, we require your information to:

  • Assess your credit or guarantor application
  • Source suitable credit providers and loan products for your circumstances
  • Verify your identity in accordance with legal requirements
  • Comply with our legal obligations under Australian law
  • Fulfil our responsible lending obligations and best interests duty
  • Provide you with credit assistance services

Consequences of not providing information

If you do not provide the information we request, we may be unable to:

  • Process your credit application
  • Provide credit assistance or brokerage services to you
  • Source suitable credit providers or loan products
  • Comply with our legal obligations

The provision of your personal information is voluntary; however, failure to provide it may prevent us from providing our services to you.

What information we collect

Personal information

We may collect the following personal information about you:

  • Identification details: name, date of birth, address, contact details (phone, email)
  • Financial information: income, expenses, assets, liabilities, employment details, bank statements, tax returns, financial statements
  • Identification documents: driver licence, passport, Medicare card, citizenship certificate, birth certificate
  • Property information: details about property you own or wish to purchase (if securing a loan against property)
  • Loan requirements: information about your requirements, objectives, and reasons for seeking credit

Credit information

Credit information includes:

  • Credit applications and credit limits
  • Repayment history information
  • Defaults and serious credit infringements
  • Information obtained from or provided to credit reporting bodies
  • Credit scores and assessments of creditworthiness

Sensitive information

We may collect and hold sensitive information about you in limited circumstances, including:

  • Citizenship or country of birth information for identity verification purposes
  • Information about whether you are a politically exposed person (PEP) under anti-money laundering and counter-terrorism financing laws
  • Health information (only if we are assisting you with an insurance product such as income protection)

We only collect sensitive information where necessary and permitted by law. We do not use or share sensitive information for any other purpose than that for which it was collected.

How we collect your information

We collect your information through various methods, including:

Direct collection

  • Application forms: Online forms, paper applications, and digital submissions
  • Phone calls: Information provided during phone conversations with our team
  • Email correspondence: Information you provide via email
  • In-person meetings: Information collected during face-to-face consultations
  • Document uploads: Documents you provide through our website or secure file transfer systems

Website and technology

  • Website tracking: We collect information about how you use our website through cookies, analytics tools, and similar technologies
  • IP addresses and browser information: We automatically collect technical information when you visit our website
  • Third-party software: We may collect information through third-party platforms and software we use to provide our services (e.g., CRM systems, document management systems, application processing platforms)

From third parties

We may collect information about you from:

  • Credit reporting bodies
  • Credit providers and lenders
  • Employers (with your consent for employment verification)
  • Real estate agents or property valuers
  • Accountants or financial advisers (with your consent)
  • Referrers who introduced you to our services
  • Publicly available sources

How we use and disclose your information

Primary uses

We use your information to:

  • Assess your consumer or commercial credit and/or guarantee application
  • Source suitable credit providers and loan products for your circumstances
  • Submit loan applications to credit providers on your behalf
  • Source any insurance products you require
  • Verify your identity and comply with anti-money laundering and counter-terrorism financing laws
  • Comply with responsible lending obligations and our best interests duty
  • Maintain records as required by law
  • Improve our services and customer experience

We do not sell your information to third parties. We only disclose your information where necessary to provide our services or as required or permitted by law.

Disclosure to third parties

We may disclose your personal and credit information to:

  • Credit providers and lenders: To submit loan applications and obtain credit assessments on your behalf
  • Yellow Brick Road Aggregation: Our Australian Credit Licence holder, for compliance and audit purposes
  • Credit reporting bodies: To verify your identity and obtain credit reports
  • Guarantors or prospective guarantors: If relevant to your loan application
  • Insurers: To arrange any insurance products you require
  • Service providers: Including IT providers, document custodians, verification services, mail houses, and professional advisers who assist us in providing our services
  • Referral partners: Who referred you to us or to whom we refer you for related services
  • Law enforcement and regulatory bodies: When required by law or to protect our legal rights
  • Debt collection agencies: If applicable
  • External dispute resolution schemes: Such as the Australian Financial Complaints Authority (AFCA)
  • Anyone who acquires an interest in our business: In the event of a sale or transfer of our business

Overseas disclosure

Your personal information may be disclosed to recipients located overseas in the following circumstances:

  • When we use third-party service providers (such as cloud storage, IT systems, or identity verification services) that store or process data overseas
  • When credit providers or lenders operate internationally or use overseas service providers
  • When credit reporting bodies have overseas operations

While it is not practical to list every country, information may be disclosed to recipients in countries including the United States, India, the Philippines, Singapore, and the United Kingdom.

By providing your information to us, you consent to these overseas disclosures and acknowledge that overseas recipients may not be subject to the same privacy laws as Australia. We will take reasonable steps to ensure overseas recipients comply with privacy requirements where practicable.

Credit reporting bodies

Australian credit reporting bodies we use

We disclose your identification information to, and obtain credit reports from, the following credit reporting bodies:

What we may do with credit reporting bodies

We may disclose information to credit reporting bodies for the purposes of:

  • Verifying your identity
  • Obtaining credit reports about you
  • Assessing your creditworthiness
  • Conducting preliminary assessments of your credit application

What credit reporting bodies may do

Credit reporting bodies may:

  • Include the information we disclose to them in reports provided to credit providers to assist in assessing your creditworthiness
  • Use your information for pre-screening you for direct marketing by credit providers (unless you opt out)
  • Disclose your credit reporting information to other credit providers and entities as permitted by law

Your rights regarding credit reporting bodies

You have the right to:

  • Request that a credit reporting body not use your information for pre-screening of direct marketing by credit providers
  • Request that a credit reporting body not use or disclose your information if you believe you have been or are likely to be a victim of fraud
  • Access your credit reporting information held by the credit reporting body
  • Request correction of your credit reporting information if it is inaccurate, out-of-date, incomplete, irrelevant, or misleading
  • Complain to the credit reporting body about the handling of your credit reporting information
  • Complain to the Office of the Australian Information Commissioner (OAIC) about a breach of your privacy

For full details of your rights and how to exercise them, and to access the credit reporting bodies’ privacy policies and credit reporting policies, please visit their websites or contact them directly.

Credit providers

Our credit provider panel

We submit your credit application to credit providers from our panel of lenders. Our panel includes banks, non-bank lenders, and specialist lenders offering home loans, personal loans, business loans, and SMSF loans.

An up-to-date list of our credit provider panel, including their website addresses and links to their privacy policies, is available by contacting us at info@settledwithjoe.com.au.

What credit providers may do

When we submit your application to a credit provider, they may:

  • Disclose information about you to, and collect information from, credit reporting bodies
  • Use your information to assess your credit application and creditworthiness
  • Contact us or you for additional information
  • Make further inquiries as required under their responsible lending obligations
  • Use your information for their own direct marketing purposes (subject to your opt-out rights)

Credit provider privacy policies

Each credit provider has its own privacy policy and credit reporting policy that explains:

  • What information they collect and hold about you
  • How they use and disclose your information
  • Which credit reporting bodies they use
  • Whether your information may be disclosed overseas (and to which countries)
  • Your rights to access and correct information they hold about you
  • How to make a complaint about their handling of your information

You can find each credit provider’s privacy information on their website, usually described as “Privacy Policy”, “Credit Reporting Policy”, “Notifiable Matters”, or similar. You can also request a copy directly from the credit provider.

Further consents

If your application proceeds with a credit provider, they will provide you with their own privacy disclosure statement and consent form. This is separate from and in addition to this Privacy Policy. The credit provider may seek additional consents from you at that time.

Your privacy rights

Right to access

You have the right to request access to all personal and credit information we hold about you. We will provide access within a reasonable timeframe (generally 30 days). In some limited circumstances permitted by law, we may refuse access and will provide you with written reasons if we do so.

Right to correction

If you believe information we hold about you is incorrect, incomplete, out of date, irrelevant, or misleading, you can request correction. We will respond within 30 days. If we agree the information is incorrect, we will correct it and notify any third parties to whom we have disclosed the information (where reasonable to do so). If we refuse to correct the information, we will notify you and provide reasons, and allow you to attach a statement to the information noting that you believe it is incorrect.

How to exercise your rights

To access or correct your information, please contact our Privacy Officer:

We may charge a reasonable administration fee to cover the cost of providing access to your information. We will advise you of any fees before processing your request.

Security of your information

We are committed to protecting the security of your personal and credit information. We take reasonable steps to protect your information from:

  • Misuse, interference, and loss
  • Unauthorised access, modification, or disclosure

Our security measures include:

  • Secure storage systems with restricted access
  • Encryption of data transmission where appropriate
  • Regular security assessments and updates
  • Staff training on privacy and data security
  • Confidentiality agreements with staff and service providers

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

Website data collection

Automatic information collection

As is true of most websites, our website automatically collects certain information and stores it in log files. This information may include:

  • Internet protocol (IP) addresses
  • The region or general location where your computer or device is accessing the internet
  • Browser type and version
  • Operating system
  • Pages you view on our website
  • Time and date of your visit
  • Referring website addresses
  • Clickstream data

We use this information to:

  • Help us design our website to better suit our users’ needs
  • Diagnose problems with our server
  • Administer our website
  • Analyze trends and gather broad demographic information
  • Understand how visitors use our website
  • Improve our services and user experience

Cookies and tracking technologies

Our website uses cookies and similar tracking technologies to enhance your experience and gather information about visitors and visits to our website. Cookies are small data files stored on your device.

Types of cookies we use:

  • Essential cookies: Necessary for the website to function properly
  • Analytics cookies: Help us understand how visitors interact with our website
  • Marketing cookies: Used to track visitors across websites to display relevant advertisements

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

Third-party tracking:

We may use third-party services such as Google Analytics to help us analyze how users interact with our website. These third parties may use cookies and similar technologies to collect information about your online activities over time and across different websites.

Forms and data collection

When you submit forms on our website (such as enquiry forms, application forms, or contact forms), we collect the information you provide. This information is used to respond to your enquiry, process your application, and provide our services to you.

Electronic communications

By providing your email address or mobile phone number to us, you acknowledge and consent to:

  • Communication and document sharing from us, credit providers, insurers, and other third parties may be electronic and not paper-based
  • Electronic communications have the same legal effect as paper-based communications
  • This consent applies to all types of communications that are permitted by law to occur electronically, including notices, credit contracts, privacy consents, and other documents
  • You must regularly check your email and mobile phone messages
  • You are responsible for maintaining and promptly updating your email address and mobile phone contact details with us

You may withdraw your consent to electronic communications at any time by notifying us in writing using the contact details above.

Information about third parties

We may collect information about third parties from you (for example, your spouse, a co-borrower, a guarantor, or dependents). By providing information about third parties, you confirm that:

  • You have obtained the necessary consents from that third party to disclose their information to us
  • You have informed the third party of the purpose for which their information will be used
  • You have informed the third party that their information will be handled in accordance with this Privacy Policy
  • You have authority to provide us with their information

Privacy complaints

How to make a privacy complaint

If you have a complaint about how we have handled your personal or credit information, please contact our Privacy Officer:

Email: info@settledwithjoe.com.au

We will:

  • Acknowledge your complaint promptly
  • Investigate your complaint thoroughly
  • Respond to your complaint within 30 days
  • Provide reasons for our decision

External complaints

If you are not satisfied with our response, you can contact:

Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
Phone: 1300 363 992

You may also complain to the Australian Financial Complaints Authority (AFCA) about our credit assistance services:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the “Last updated” date at the top of this policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after changes to this Privacy Policy constitutes your acceptance of the updated policy.

Your consent

By providing your information to us, you:

Acknowledge that:

  • You have read and understood this Privacy Policy
  • You understand how we will collect, use, hold, and disclose your personal and credit information
  • You have had the opportunity to ask questions about this Privacy Policy
  • You understand the consequences of not providing information as requested

Consent to:

  • The collection of your personal and credit information as described in this Privacy Policy
  • The use of your information for assessing credit applications (consumer or commercial) and guarantor applications
  • The disclosure of your information to credit providers, credit reporting bodies, insurers, Yellow Brick Road Aggregation, and other third parties as described in this Privacy Policy
  • The use of electronic identity verification methods
  • The disclosure of your information to overseas recipients as described in this Privacy Policy
  • Credit reporting bodies disclosing your information to credit providers for assessing your creditworthiness
  • The collection and use of sensitive information where necessary as described in this Privacy Policy
  • Receiving communications electronically

Appoint us as your agent to:

  • Act as an “access seeker” to obtain credit reports from credit reporting bodies on your behalf
  • Request credit reporting information about your consumer and commercial creditworthiness from credit reporting bodies
  • Receive this information to assist in providing credit assistance services to you

Understand that:

  • This consent is required under Australian privacy and credit reporting laws
  • You can withdraw your consent at any time by notifying us in writing
  • Withdrawing consent may mean we cannot continue to provide services to you
  • You have rights to access and correct your information
  • You can complain about privacy matters as outlined in this Privacy Policy

For further information or assistance, please contact:

JCF Finance Pty Ltd T/A Settled With Joe
Email: info@settledwithjoe.com.au
Credit Representative Number: 496121
Australian Credit Licence Holder: Yellow Brick Road Aggregation (ACL 390261)