RyRo Loan Centre (ABN 52 149 977 202) and RyRo Asset Finance Pty. Ltd. (ABN 69 682 063 896) take your privacy seriously. This policy applies to both companies. It explains what personal information we collect, why we collect it, how we use it, where it is stored, who we share it with, and how you can access, correct, or delete it. It aligns with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). In this policy, "we", "us" and "our" mean whichever of the two companies is handling your information, as explained below.

Who this policy covers

Two separate companies share this website. Each is responsible for the personal information it collects.

RyRo Loan Centre (ABN 52 149 977 202) handles home loans, first home buyer loans, refinancing, investment and SMSF loans, specialist lending, and business and commercial property finance. Sumit Joshi is an authorised credit representative (Credit Representative 446824) of [licensee name and ACL number to be confirmed].
RyRo Asset Finance (RyRo Asset Finance Pty. Ltd., ABN 69 682 063 896) handles car, vehicle, equipment, machinery and other asset finance, and personal loans. It is an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.

If you send us an enquiry about car or equipment finance (or another product RyRo Asset Finance provides), it is passed to RyRo Asset Finance and handled by that company. Enquiries about any other product are handled by RyRo Loan Centre. The website itself, its forms and the systems described below are shared by both companies, and both can see enquiries that arrive through the site. Each company's licensee may also have its own privacy policy and credit guide, which we will give you when you apply for credit.

1. What we collect

1.1 Information you give us

When you fill in a contact, enquiry, strategy call, or lead-magnet form, we collect:

Your first and last name.
Your email address and phone number.
The loan type or service you have asked about.
The message you write into the form.
Your consent to be contacted and your acceptance of this policy.
Whether you ticked the box to receive marketing emails, on forms that offer it.
Any PDF guides you ask us to email you.
If you send a calculator result with your enquiry, the result and the figures you entered (for example a loan amount, income or deposit).
If you book a strategy call, the meeting details you share with our calendar provider.

Calculators on this site run in your browser. The figures you type into a calculator are not sent to us unless you choose to send the result with an enquiry.

1.2 Information collected automatically

When you visit the site, our hosting provider (Vercel) and our application automatically collect:

Your IP address.
Approximate country, region, and city derived from your IP.
Approximate latitude and longitude (city-level, never precise), and an estimated distance from our Norwest office.
Time zone.
Browser, operating system, and device type.
Referrer (the page that linked to us).
UTM parameters and click IDs (gclid, fbclid, msclkid) on links you arrive from.
Pages you visit on our site, in what order, and how long you spend.
Time you spend filling out a form (used to detect bots).
Whether you have visited before, and how many sessions you have started (only with functional cookie consent).

Most of this is kept in your browser for the length of your visit and is only sent to us if you submit a form. When you do, it is attached to your enquiry. We use this information to score lead quality, prioritise responses, work out which company should handle your enquiry, attribute leads to marketing campaigns, and detect spam. Lead enrichment is performed by our own application; no third-party enrichment provider receives your personal information.

1.3 Information from third parties

When you apply for credit through us, lenders may share information back with us about your application status. We may also receive identity verification data from regulated third parties as part of the lending process.

1.4 Information we collect when you apply for credit

If you go ahead with a loan or finance application, we collect the information a lender needs to assess it. Depending on the product this usually includes your date of birth, address history, identity documents, employment and income, assets, debts and expenses, and details of the property, vehicle or equipment being financed. We collect it from you in calls, meetings, emails and documents you send us, and, with your consent, from lenders, credit reporting bodies, valuers, your accountant or other people you authorise. Some of it may be credit information (see section 14). We only collect sensitive information, such as health information relevant to hardship, with your consent and when it is reasonably necessary.

1.5 Calls, emails and meetings

When you call, email or meet us we keep notes of what you tell us and copies of the emails and documents you send, so we can act on your request and meet our record-keeping obligations.

2. Cookies and similar technologies

We use a small number of cookies and browser storage. The categories are listed below. See the Cookie Policy for the full table of every cookie we use, its purpose, and how long it lasts. You choose which categories to allow in the cookie banner, and you can change your choice at any time.

Strictly necessary. The consent cookie itself and the cookieless Vercel Speed Insights and Analytics. Always on.
Functional. Remembers if you have visited before and how many visits you have made, for 12 months. Lets us recognise returning visitors.
Analytics. Ahrefs Analytics. Loaded only if you grant analytics consent.
Marketing. Click IDs from paid ad platforms (Google Ads, Meta, Bing). We do not run any advertising pixels or tags on this site. If you arrive from an ad and have given marketing consent, the click ID in the link is held in your browser for that visit and sent to us only if you submit a form, so we can tell which campaign brought you. Without marketing consent we keep only the fact that you came from an ad, not the ID.

We also use your browser's session storage for a few practical things, cleared when you close the tab:

Your first name and email after you send a form, so the thank-you page can greet you by name.
Whether you have closed a guide pop-up, and whether you turned on sound for a video.

Some pages show content from other providers. The contact page shows a Google Maps map, and the thank-you page shows a Calendly booking calendar. When those load, Google or Calendly receives your IP address and browser details and may set their own cookies, under their own privacy policies.

3. How we use your information

Respond to your enquiry by email, phone, or text.
Send you an automatic confirmation email when you submit a form, and one follow-up email the next day.
Email you the lead-magnet PDFs you have requested.
Arrange and confirm your strategy call.
Pass your enquiry to the right company (see "Who this policy covers").
Assess your eligibility for credit and prepare loan applications.
Submit applications to a lender on your behalf, with your consent.
Send marketing emails only if you opted in. Every marketing email includes an unsubscribe link, per the Spam Act 2003 (Cth).
Detect spam, block bots, and protect the security of our systems.
Improve our content based on aggregate analytics.
Comply with the National Consumer Credit Protection Act, the Anti-Money Laundering and Counter-Terrorism Financing Act, and other applicable laws.

We use your information for the purpose you gave it to us, or for a related purpose you would reasonably expect, or where the law allows or requires it.

We share personal information only where necessary to do business with you, or where the law requires it.

Lenders on our panel, when we submit or pre-qualify a loan application with your consent.
Each company's credit licensee: [licensee name and ACL number to be confirmed] for RyRo Loan Centre, and Fintelligence Pty Ltd for RyRo Asset Finance, and the aggregator or software platforms we use to lodge applications, for compliance, audit and lodgement.
Credit reporting bodies, valuers, lenders mortgage insurers and identity verification services, when needed for your application and with your consent.
Your accountant, solicitor, conveyancer or other representatives, when you ask us to.
Resend Inc. (US), our transactional email provider.
Supabase (Sydney AU region), our database provider.
Vercel Inc. (US), our hosting provider.
Ahrefs Pte. Ltd. (Singapore), if you have granted analytics consent.
Calendly (US), if you book a call through the calendar on our thank-you page.
Our internal team at RyRo Loan Centre and RyRo Asset Finance.
Regulators, courts, or law enforcement, where legally required.

We never sell your personal information. We never share your information with data brokers.

5. International transfers

Some of our service providers store or process information outside Australia. This is where website enquiries go, as we understand it from each provider's settings and published documents on 9 November 2026:

Supabase: our database, which stores every website enquiry and consent record, is in its Sydney, Australia region.
Vercel: the server code that receives your enquiry runs in Vercel's Sydney, Australia region. Vercel is a United States company, and the platform logs its servers keep may be held outside Australia. When you send a form, those logs record only a masked version of your email and phone number (for example j***@example.com), along with your IP address and browser details.
Resend: Resend sends our enquiry and confirmation emails. Its documents say account data, such as email logs, is stored in the United States.
Ahrefs: Ahrefs Pte. Ltd. is based in Singapore. Its privacy policy says it stores data in the United States. Used only with your analytics consent.
Calendly: based in the United States. Its privacy notice says data is processed and stored in the United States or other countries where it or its providers operate.
Google: the map on our contact page is provided by Google LLC in the United States.

Resend and Vercel are headquartered in the United States. Ahrefs operates globally. Supabase stores your data in its Sydney AU region. Lenders, licensees and the software they use may also store information overseas; their own privacy policies explain where. We take reasonable steps to ensure overseas recipients handle your data consistently with the Australian Privacy Principles.

6. How long we keep your information

We keep personal information only for as long as we need it for the purposes in this policy, or for as long as the law requires. Credit, anti-money laundering and tax laws require brokers to keep some records for a number of years after the last dealing with you.

Contact form submissions: for as long as needed to meet credit broking record-keeping obligations.
Consent records: for the same period as the enquiry they relate to (audit trail).
Marketing email subscriptions: until you unsubscribe.
Functional cookies on your browser: 12 months unless you clear them sooner.
Session storage in your browser: until you close the tab.

When we no longer need information, we take reasonable steps to destroy it or de-identify it.

7. Security

We use HTTPS site-wide, role-based access controls on our database, and row-level security in Supabase. Service-role keys never leave the server. Website forms are rate limited and checked for spam. If we ever suffer a notifiable data breach, we will comply with the Notifiable Data Breaches scheme and notify you and the OAIC where required.

No system is completely secure. Please do not send identity documents or bank statements through the website forms; we will tell you a secure way to send them when you apply.

8. Your rights

Under the Australian Privacy Principles you can:

Request access to the personal information we hold about you.
Ask us to correct information that is out of date or wrong.
Ask us to delete information we no longer need.
Withdraw your consent to marketing communications at any time.
Change your cookie choices at any time, see Cookie Policy.
Make a complaint about how we handle your information.

Email contact@ryroloancentre.com.au with the subject "Privacy request" and we will respond within 30 days. This address covers both companies; tell us if your request is about RyRo Asset Finance. We will need to confirm your identity first. Access is free; if your request takes significant work we may charge a reasonable fee and will tell you first. If we refuse a request, we will explain why in writing and how to complain.

9. Marketing emails

We send marketing emails only to people who opted in. Every email includes a working unsubscribe link and our business address, per the Spam Act 2003 (Cth). Unsubscribing takes effect within 5 business days.

The confirmation email you receive after sending a form, and the single follow-up email the next day, are about your enquiry and are not marketing. You can still ask us to stop at any time by replying to them.

10. Children

This site is not intended for people under 18. We do not knowingly collect personal information from children. If we discover we have collected information from a minor, we will delete it.

11. Complaints

If you are unhappy with how we have handled your personal information, email contact@ryroloancentre.com.au with the subject "Complaint", or write to us at the address in section 13. We will acknowledge your complaint and aim to resolve it within 30 days. If it is about RyRo Asset Finance, you can also contact its licensee, Fintelligence Pty Ltd.

If you are still not satisfied, you can take your complaint to the Australian Financial Complaints Authority (AFCA), a free and independent dispute resolution service:

Website: www.afca.org.au
Phone: 1800 931 678 (free call)
Email: info@afca.org.au

You can also make a complaint to the Office of the Australian Information Commissioner at www.oaic.gov.au or 1300 363 992.

12. Updates to this policy

We update this Privacy Policy when our practices change. The current version is always at /privacy. Material changes bump the cookie banner version and re-prompt you.

13. Contact

RyRo Loan Centre

Email: contact@ryroloancentre.com.au
Phone: 1300 11 7976
Post: RyRo Loan Centre, Suite 201, Tower A Esplanade, 11 Solent Cct, Norwest NSW 2153

RyRo Asset Finance

RyRo Asset Finance Pty. Ltd., ABN 69 682 063 896
Email: contact@ryroloancentre.com.au (marked "RyRo Asset Finance")
Post: RyRo Asset Finance Pty. Ltd., Suite 201, Tower A Esplanade, 11 Solent Cct, Norwest NSW 2153

14. Credit information and credit reporting

As finance brokers, we do not lend money and we are not a credit provider. When you apply for credit through us, we collect credit information about you (for example your current credit accounts, repayment history, defaults and previous credit enquiries) and, with your consent, disclose it to the lenders we apply to. Lenders will usually obtain a credit report about you from a credit reporting body. Some lenders and licensees may ask us to obtain a credit report for them, which we do only with your consent.

Each lender and credit reporting body handles credit information under its own credit reporting policy. The lender will give you its policy and name the credit reporting bodies it uses when you apply, and you can ask those bodies for a free copy of your credit report. We use credit information only to help arrange the credit you asked for and to meet our legal obligations.

15. Dealing with us without identifying yourself

You can browse this site, read our guides and use our calculators without telling us who you are. You can also ask us general questions without giving your name. To arrange credit, though, the law and lenders require us to identify you, so we cannot help with an application anonymously.