Privacy Policy

At KK Talks Finance, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share your information when you use our website and services. It also covers our credit reporting policy, which details how we handle your credit-related information.

If you are in the European Economic Area (EEA), the EU General Data Protection Regulation (GDPR) applies. We are a data controller under the GDPR, responsible for how your personal information is processed.

General Information:

We may collect the following types of personal information:

• Identification information: Your name, address, email address, phone number, date of birth.
• Financial information: Tax File Number (TFN), income details, assets, and liabilities.
• Other information: Social media handles (if you interact with us on those platforms), and any other information necessary to provide our services.

When the Law Authorizes or Requires Us:

We may collect information required by Australian law, such as the Anti-Money Laundering and Counter-Terrorism Financing Act, to verify your identity.

Information from Website Activity:

We collect information about how you use our website to improve our services and tailor them to your needs. This includes:

• Contact details: Information you provide when you start, but don’t complete, an online application.
• De-identified data: We may collect non-personal information like IP addresses and browser types for security and website analytics.

We primarily collect your personal information directly from you through:

• Forms: When you fill out applications or contact forms on our website.
• Phone calls: When you call us to inquire about our services.
• Website interactions: Through cookies and other tracking technologies.
• Electronic communication: Through emails or SMS messages.

We may also collect information from other sources when permitted by law, such as credit reporting agencies, your employer (with your consent), or publicly available sources.

We use your personal information to:

• Provide credit assistance and financial advice.
• Assess your eligibility for loans and other financial products.
• Process loan and lease applications.
• Manage your accounts and transactions.
• Communicate with you about our services.
• Comply with legal and regulatory requirements.

Marketing:

With your consent, we may use your information to send you marketing materials about products and services that may be of interest to you. You can opt out of these communications at any time

• Forms: When you fill out applications or contact forms on our website.
• Phone calls: When you call us to inquire about our services.
• Website interactions: Through cookies and other tracking technologies.
• Electronic communication: Through emails or SMS messages.

We may also collect information from other sources when permitted by law, such as credit reporting agencies, your employer (with your consent), or publicly available sources.

We retain your information for as long as required by law or for our legitimate business purposes, which may include seven years after the closure of your account.

We may share your information with:

• Your representatives: Lawyers, accountants, etc.
• Financial institutions: Lenders, lessors, mortgage insurers, etc.
• Service providers: Companies that help us with our business operations, such as IT providers, marketing agencies, or data storage providers.
• Government agencies: As required by law (e.g., ASIC, ATO).

We will not sell your personal information to any third party.

You have the right to access and correct your personal information that we hold. You can request this in writing by contacting us through the contact details below.

If you have a complaint about our privacy practices, please contact us:

• Email: karan@wizwealth.com.au
• Phone: +62 0470 587 942

If your complaint remains unresolved, you can contact the Office of the Australian Information Commissioner (OAIC).

If you reside in the EEA, you have additional rights under the GDPR, including the right to object to processing, erasure, restriction, and data portability. Contact us to exercise these rights.

If you have any questions or concerns about our Privacy Policy, please contact us:

• Email: karan@wizwealth.com.au
• Phone: +62 0470 587 942
• Head Office: 2/16 Prosperity St Truganina VIC 3029

We may update this Privacy Policy from time to time. Any changes will be posted on our website, so please check back periodically.