Sammfin Pty Ltd T/as Sierra Car Loans – Privacy Policy

Effective Date: [9th June 2025]

Sammfin Pty Ltd (ACN 145 356 458) trading as Sierra Car Loans is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy outlines how we collect, use, store and disclose your personal and credit information.

1. Who We Are Sammfin Pty Ltd is a Credit Representative (#431345) of Access Lending Group Pty Ltd (ACN 648 921 957), holder of Australian Credit Licence #531308. We provide services in finance and mortgage broking.

2. Collection of Personal Information We collect and hold personal information such as:

  • Name, address, email, and phone number

  • Date of birth, social media handles

  • Financial details including tax file number

  • Identification documents and credit-related information

We collect this information:

  • Directly from you (e.g. web forms, calls, emails, SMS)

  • From third parties such as credit agencies, employers, and referrers

  • To comply with laws such as Anti-Money Laundering legislation

3. Website and Digital Interactions We collect data about your interactions with our website and online services to:

  • Verify your identity

  • Improve customer experience

  • Provide support for incomplete applications

  • Use de-identified data for security and performance

4. Use of Personal and Credit Information We use your information to:

  • Provide credit assistance and prepare loan applications

  • Determine eligibility for finance products

  • Communicate relevant offers or updates (with opt-out option)

  • Meet legal obligations and prevent fraud

5. Disclosure of Personal Information We may share your information with:

  • Your authorised representatives and referees

  • Access Lending Group and our aggregator panel

  • Lenders, valuers, insurers, and settlement agents

  • Service providers and government bodies as required by law

  • Cloud and third-party storage providers (note: may involve overseas access)

6. Storage and Security We take reasonable steps to protect your information from misuse, loss, and unauthorised access including:

  • Secure electronic systems and access controls

  • Data storage agreements with third parties

7. Access and Correction You may request access to, or correction of, your personal information by contacting us. We will respond within 30 days. Charges may apply for large or complex requests.

8. Complaints If you have a privacy concern, contact us at: Sammfin Pty Ltd
PO Box 543, Epping NSW 1710
Phone: 1300 788 897
Email: info@sierracarloans.com.au

If unresolved, you may contact: Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
Phone: 1300 363 992

9. Anonymity and Government Identifiers You may choose to remain anonymous for general enquiries. However, identification is required for credit services. We do not use government identifiers (e.g. TFN) for our own purposes unless authorised by law.

10. Updates to This Policy This policy may change. The current version will always be available on our website. You can also request a copy by contacting us.

Sammfin Pty Ltd | ACN: 145 356 458 | Authorised Credit Representative #431345 of Access Lending Group Pty Ltd | ACN: 648 921 957 | ACL #531308