Privacy policy

Who we are

‘We’, ‘us’ and ‘our’ refer to JEA Finance Pty Ltd trading as JimiFi
ABN: 35 686 440 504
ACN: 686 440 504

Our commitment to protect your privacy

We understand that the information you provide to us is private and personal. It’s important that you feel secure whenever you deal with us, and that you understand how we protect your privacy and how we may use your information.

Our policies relating to personal information are designed to ensure that you are fully protected under Australian privacy laws. Our commitment in respect of personal information is to abide by the Australian Privacy Principles (APPs) as set out in the Privacy Act 1988 (Cth) and any other applicable laws.

Personal information

When we refer to personal information, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.

Credit information is information used to assess your eligibility to be provided with finance and may include details of finance you have outstanding, your repayment history, and any defaults. Credit information is generally exchanged between credit providers, finance brokers, and credit reporting bodies.

The kinds of personal information we may collect about you include your name, date of birth, address, contact details, occupation, and any other information reasonably necessary to identify you.

If you apply for finance through us, we may also collect information such as:

  • the number and ages of your dependants or cohabitants

  • the length of time at your current address

  • your employment details

  • proof of income, assets, and expenses

If you apply for any insurance product through us, we may also collect health information, but only with your consent.

As with most online businesses, we may log information about your access to and use of our websites, including through the use of cookies, your communications with our websites, the type of browser and device you use, your operating system, and your internet service provider.

By submitting an enquiry or application and providing your personal information via our websites or applications, you consent to the collection and use of that information as described in this Privacy Policy.

Why we collect your personal information

We collect personal information for the purposes of:

  • assessing your eligibility for finance or related products

  • managing and administering your finance

  • complying with legal and regulatory obligations

  • maintaining and managing our relationship with you

  • direct marketing (where permitted by law)

To enable us to operate our business effectively, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose your information to any organisation that has, or is considering having, an interest in your finance or in our business, where permitted by law.

How we collect your personal information

Where reasonable and practicable, we collect your personal information directly from you via our websites, applications, telephone, or other communications.

We may also collect personal information from third parties such as:

  • finance brokers

  • accountants

  • lawyers

  • lenders and other credit providers

Do we disclose your personal information?

We may disclose your personal information:

  • to prospective lenders, funders, or intermediaries in relation to your finance requirements

  • to organisations involved in managing or administering your finance, including third-party service providers such as printing, postal services, call centres, and IT providers

  • to associated businesses that may market products or services to you

  • to companies that provide information and infrastructure systems to us

  • to your authorised representatives, such as finance brokers, lawyers, or accountants

  • where you have provided consent

  • to third parties as permitted or required by law

  • where required under laws such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)

  • to investors, agents, advisers, or entities with an interest in our business

  • to your employer, referees, or identity verification services

Before disclosing your personal information, we take reasonable steps to ensure that:

  • the recipient has privacy protections at least equivalent to ours, or

  • you have consented to the disclosure

We may store personal information using cloud-based systems. These systems or servers may be located outside Australia. We may disclose personal information to overseas entities that provide support services to us. You may obtain further information about these entities by contacting us.

Direct marketing

From time to time, we may use your personal information to provide you with information about finance products, offers, changes to our organisation, or other products or services that may be of interest.

If you do not wish to receive marketing communications, you may opt out at any time by contacting us at complaints[at]jimifi[dot]com[dot]au, or by using the unsubscribe function in any email communication. We will not charge you for opting out and will action your request as soon as reasonably practicable.

Updating your personal information

It is important to us that the personal information we hold about you is accurate and up to date. We may ask you to notify us if your details change. We generally rely on you to ensure the information you provide is accurate and complete.

Access to and correction of your personal information

You may request access to the personal information we hold about you at any time. We may charge a reasonable fee to cover the cost of retrieving and providing the information.

We will usually respond to access or correction requests within seven days, and in any event within the timeframes required by law. In some circumstances, we may refuse access or correction, for example where the request is vexatious or relates to legal proceedings. If so, we will provide you with reasons.

Using government identifiers

If we collect government identifiers (such as tax file numbers), we do not use or disclose them except as required by law. We do not use government identifiers to identify you.

Dealing with us anonymously

Where lawful and practicable, you may deal with us without identifying yourself, for example when making general enquiries about interest rates or products.

Sensitive information

We will only collect sensitive information with your consent. Sensitive information includes information relating to health, racial or ethnic origin, political opinions, union membership, sexual orientation, or criminal history.

Security of your personal information

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. Information may be stored in paper or electronic form in secure environments.

Cookies and web beacons

We may use cookies and web beacons on our websites to improve user experience and analyse website usage. Cookies do not identify you personally unless you provide identifying information through the website.

Links to other websites

Our websites may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites, which are not governed by this Privacy Policy.

Complaints

If you have a complaint about how we have handled your personal information or our compliance with privacy laws, you may contact our Complaints Officer at:

Email: complaints[at]jimifi[dot]com[dot]au

We will acknowledge your complaint within seven days and aim to provide a decision within 30 days.

If you are not satisfied with our response, you may lodge a complaint with:

  • the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678

  • the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or 1300 363 992

Further information

You may request further information about how we manage personal information by contacting us.

Changes to this privacy policy

We may update this Privacy Policy from time to time to reflect changes in law, technology, or business practices. The latest version will be available on our website.

You may request this Privacy Policy in an alternative format.