Privacy Policy

PJ Dwyer Enterprises trading as TriLending
ABN 57 679 736 001
Credit Representative 544801 of BLSSA Pty Ltd ACN 117 651 760, Australian Credit Licence 391237

Last updated: 28 August 2026

1. Respecting Your Privacy

PJ Dwyer Enterprises trading as TriLending (“TriLending”, “we”, “us” or “our”) respects your privacy and is committed to protecting the personal information we collect and hold.

This Privacy Policy explains how we collect, hold, use and disclose personal information when you interact with us, use our website, make an enquiry or engage us for credit assistance.

As a credit representative, we may also handle personal and credit-related information in connection with providing credit assistance and helping clients explore or apply for loans and related financial products.

We handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), where those laws apply to us.

2. What Personal Information Do We Collect?

The personal information we collect depends on how you interact with us and the services you request.

Information we may collect includes:

• your name;
• email address;
• telephone number;
• suburb or general location;
• information you provide in an enquiry;
• the type or purpose of loan or finance you are interested in;
• information relating to a property enquiry or property profile report;
• information provided when you book an appointment;
• information provided when you request a guide, report or other resource;
• information about your interactions and communications with us; and
• technical information generated when you use our website.

During the course of providing credit assistance, additional financial, identification, employment, property or credit-related information may be required.

Sensitive financial or identification documents are not intended to be collected through the general public forms on our website.

Where documents such as identification, payslips, bank statements, financial statements or other supporting loan documentation are required, they may be collected through secure systems or portals operated by our mortgage aggregator, lenders or other authorised service providers.

We encourage you not to send sensitive financial or identification documents through ordinary website enquiry forms unless we specifically ask you to do so using an appropriate secure method.

3. Information Collected Through Our Website

When you use the TriLending website, we may collect information directly from you when you:

• submit a general enquiry;
• submit a loan or finance enquiry;
• book an appointment or call;
• request a property profile report;
• request or download a guide or resource; or
• otherwise contact us through the website.

Our forms may request information such as your name, email address, phone number, suburb, loan or enquiry type, the purpose of a property profile report and information you choose to include in your message.

Information submitted through our website may be emailed to TriLending and may also be retained within our website administration systems for enquiry management, record keeping and follow-up.

Our website may also include calculators and other informational tools. These tools are provided for general information and estimation purposes.

You should avoid entering unnecessary sensitive personal information into website calculators or other public-facing tools.

4. Website Analytics, Cookies and Third-Party Technologies

Our website may use cookies and similar technologies to operate correctly, improve security, understand how visitors use the website and improve our services.

Information collected automatically may include:

• IP address;
• browser and device information;
• operating system;
• pages viewed;
• date and time of access;
• referring website or source;
• approximate geographical location; and
• general information about how you interact with the website.

We currently use, or may use, third-party services in connection with the website, including:

• Google Analytics to understand website usage and performance;
• Google Tag Manager to manage website measurement and other website tags;
• Google reCAPTCHA to help protect forms from spam and automated abuse;
• Google Maps to display location-related information;
• Facebook and Instagram features or embedded content;
• an online booking provider for appointment scheduling;
• Brevo for website-related email delivery or communications;
• Cloudflare for website security, performance and network services; and
• other website hosting, security and technology providers reasonably required to operate the website.

These third parties may collect technical information, process information or place cookies in accordance with their own privacy practices.

You can generally manage cookies through your browser settings. Disabling some cookies or technologies may affect how parts of the website function.

5. How Do We Collect Your Personal Information?

Where reasonable and practicable, we collect personal information directly from you.

We may collect information when you:

• use our website;
• complete a form;
• email or telephone us;
• make an appointment;
• request a report or resource;
• speak with us about finance or a loan;
• provide information as part of obtaining credit assistance; or
• communicate with us through another channel.

We may also collect personal information from another person or organisation where it is reasonably necessary for us to provide our services or where permitted or required by law.

6. Information We May Receive From Other Sources

In connection with providing credit assistance, we may receive information from organisations or people including:

• BLSSA Pty Ltd and our mortgage aggregation or broker network;
• Loan Market Group and associated entities;
• MyCRM and associated broker technology platforms, where used;
• lenders and lessors;
• other loan or finance intermediaries;
• co-applicants or co-borrowers;
• guarantors or proposed guarantors;
• authorised representatives;
• accountants, solicitors, conveyancers, settlement agents or other professional advisers;
• valuers and organisations involved in assessing property or security;
• referral partners; and
• service providers that assist with a credit or finance application.

We only seek to collect information from other sources where it is reasonably necessary for the services we provide or otherwise permitted or required by law.

7. Why Do We Collect and Use Personal Information?

We may collect, hold and use your personal information to:

• respond to enquiries;
• contact you about a request you have made;
• arrange appointments;
• provide requested reports, guides or resources;
• provide credit assistance;
• discuss available loan or finance options;
• help assess which lending products may be relevant to your circumstances;
• help prepare or progress a loan or finance application;
• communicate with lenders, aggregators and other parties involved in providing credit assistance;
• verify information where reasonably required;
• administer and manage our relationship with you;
• provide customer service and respond to complaints;
• maintain business and regulatory records;
• operate, secure, maintain and improve our website;
• understand website usage and improve our services;
• prevent or investigate fraud, security incidents or misuse;
• comply with applicable laws, regulatory requirements and obligations associated with our credit representative arrangements; and
• carry out another purpose to which you have consented.

We will not use personal information for an unrelated purpose unless you have consented or the use is otherwise permitted or required by law.

8. What Happens If You Do Not Provide Information?

You are generally free to choose whether to provide personal information to us.

However, if you do not provide information that is reasonably required, we may not be able to:

• respond properly to your enquiry;
• provide a requested property report or resource;
• arrange an appointment;
• understand your finance requirements;
• provide credit assistance;
• assess loan or finance options that may be relevant to you; or
• assist with a loan or finance application.

Some identification or financial information may also be required by lenders, service providers or applicable legal and regulatory requirements before a credit application can proceed.

9. Credit and Financial Information

When you engage TriLending for credit assistance, information beyond that collected through the public website may be required to understand your circumstances and assist with a finance application.

Depending on the service being provided, this may involve information concerning your:

• identity;
• employment;
• income;
• financial position;
• assets and liabilities;
• property;
• existing finance arrangements;
• credit circumstances; and
• other matters relevant to a finance application.

Where practical, sensitive supporting information and documents are handled through secure broker, aggregator, lender or document-management systems rather than through ordinary public website forms.

Credit-related information may also be exchanged with lenders and other authorised organisations involved in considering or processing a loan or finance application.

Different organisations involved in the credit process, including lenders and credit reporting bodies, may have their own privacy and credit-reporting obligations and privacy policies.

10. Computer-Assisted Product Matching and Decision Support

Broker technology platforms used by TriLending or our mortgage aggregation network may use computer-assisted systems to help compare, filter or identify loan products based on information provided about your circumstances and requirements.

These systems may assist a broker in reviewing available products and identifying options for further consideration.

Technology-based product matching does not replace the broker’s professional assessment.

TriLending considers your circumstances and the available information before providing credit assistance or making a recommendation.

Final lending and credit approval decisions are made by the relevant lender in accordance with its own lending criteria, policies and assessment processes.

11. Unsolicited Personal Information

Sometimes we may receive personal information that we did not request.

Where this occurs, we will consider whether the information is reasonably necessary for our functions or activities and whether we would otherwise be permitted to collect it.

Where we are not permitted or required to retain unsolicited personal information, we will take reasonable steps to destroy or de-identify it where appropriate.

12. Who May We Disclose Personal Information To?

We may disclose personal information where reasonably necessary to provide our services or operate our business.

Depending on the circumstances, recipients may include:

• BLSSA Pty Ltd, as the holder of the Australian Credit Licence under which we are authorised;
• Loan Market Group, our mortgage aggregator, broker network and associated entities;
• MyCRM and associated broker technology providers, where applicable;
• lenders and lessors;
• lenders mortgage insurers;
• valuers;
• loan and finance intermediaries;
• co-applicants, co-borrowers and guarantors where appropriate;
• your authorised representatives;
• solicitors, accountants, conveyancers and settlement agents;
• organisations involved in processing or administering a finance application;
• website hosting, email, technology, analytics, booking, security and communications providers;
• professional advisers, consultants and contractors;
• government departments, regulators, courts, tribunals, law-enforcement agencies or other bodies where disclosure is authorised or required by law; and
• another organisation or person where you have authorised us to disclose the information.

We do not sell personal information to third parties.

13. Overseas Processing and Disclosure

Some organisations and technology providers that support TriLending, Loan Market Group and the credit assistance process may operate infrastructure or process information outside Australia.

Loan Market Group advises that personal information handled through its services may be processed or accessed in overseas locations including:

• India;
• the European Union;
• the United States; and
• the Asia-Pacific region, including New Zealand and the Philippines.

Other technology providers used in connection with our website, communications or business operations may also process information outside Australia.

The location of particular service providers and data-processing facilities may change over time.

Where we disclose personal information to an overseas recipient and Australian privacy laws require us to do so, we take reasonable steps appropriate to the circumstances to ensure that the information is handled consistently with applicable Australian privacy requirements, subject to any exceptions provided by law.

Further information about overseas processing relevant to your personal information may be available on request.

14. Direct Marketing and Communications

We may from time to time communicate with clients or people who have made enquiries about services, lending opportunities, information or other products and services that may reasonably be relevant to them.

We will only send electronic marketing communications where we are permitted to do so.

Where required, we will obtain consent before sending marketing communications.

Marketing emails or messages will identify the sender and provide a way for you to unsubscribe or opt out.

You may ask us at any time not to send you marketing communications. We will take reasonable steps to action your request and comply with applicable unsubscribe requirements.

Opting out of marketing communications will not prevent us from sending communications reasonably necessary to provide a service you have requested or manage an existing matter.

15. How Do We Protect Personal Information?

We take reasonable steps to protect personal information we hold against misuse, interference, loss and unauthorised access, modification or disclosure.

Measures may include:

• restricting access to personal information;
• using passwords and access controls;
• maintaining appropriate website and system security;
• using reputable hosting, cloud and communications providers;
• using secure systems or portals for sensitive financial documentation where appropriate;
• maintaining website security and anti-spam protections; and
• limiting access to people who reasonably require the information to perform their role.

No method of electronic transmission or storage can be guaranteed to be completely secure.

If you send information electronically, you should take reasonable care when choosing how sensitive information is transmitted.

16. How Long Do We Keep Personal Information?

We retain personal information for as long as reasonably necessary for the purpose for which it was collected and to satisfy applicable legal, regulatory, licensing, taxation, dispute-resolution and record-keeping requirements.

Different types of information may therefore be retained for different periods.

Information associated with credit assistance or a finance application may need to be kept for periods required under applicable credit laws, licensing requirements or our arrangements as a credit representative.

When personal information is no longer required to be retained, we will take reasonable steps to destroy or de-identify it where required and practicable.

17. Accessing Your Personal Information

You may request access to personal information we hold about you.

To make a request, contact us using the details at the end of this Privacy Policy.

We will respond within a reasonable period and, where required by law, provide access in the manner requested if it is reasonable and practicable to do so.

There may be circumstances where we are permitted or required to refuse access to some information. If this occurs, we will provide an explanation where required by law.

Before giving access to personal information, we may need to verify your identity.

18. Correcting Your Personal Information

We take reasonable steps to ensure the personal information we hold is accurate, complete, relevant and up to date having regard to the purposes for which it is used.

If you believe information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us.

Where appropriate, we will take reasonable steps to correct the information.

If information has previously been provided to another organisation and a correction is required, we will deal with any request to notify that organisation in accordance with applicable privacy requirements.

19. Anonymous Enquiries and Pseudonyms

Where practical, you may make a general enquiry without identifying yourself or by using a pseudonym.

However, we may not be able to deal with you anonymously where identifying you:

• is required or authorised by law;
• is required by a lender or another party involved in a credit application; or
• would otherwise make it impracticable for us to provide the requested service.

20. Government-Related Identifiers

Our general website forms are not intended to collect government-related identifiers such as Tax File Numbers.

Where an identification number or government-related identifier is required during a credit or finance process, it should only be provided through an authorised and appropriately secure process when requested.

We will only use or disclose government-related identifiers where permitted or required by law.

21. Privacy Complaints

If you have a concern or complaint about the way we have handled your personal information, please contact TriLending in the first instance.

We will review the matter and take reasonable steps to investigate and respond to your complaint.

Please provide enough information for us to understand the issue and how you would like it addressed.

You may also contact the Loan Market Group Resolutions team:

Loan Market Group Resolutions

Email: resolutions@lmg.broker
Phone: 1800 275 564
Post: Resolutions, Level 28, 35 Collins Street, Melbourne VIC 3000

If your complaint cannot be resolved satisfactorily, you may be entitled to refer the matter to the Australian Financial Complaints Authority (AFCA).

Australian Financial Complaints Authority

Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Post: GPO Box 3, Melbourne VIC 3001

You may also be able to make a privacy complaint to the Office of the Australian Information Commissioner (OAIC).

Office of the Australian Information Commissioner

Website: www.oaic.gov.au
Phone: 1300 363 992
Post: GPO Box 5288, Sydney NSW 2001

22. Third-Party Websites and Services

Our website may contain links to, or embedded content from, third-party websites and services.

Those organisations may collect information independently from us and operate under their own privacy policies.

TriLending is not responsible for the privacy practices of third-party websites that we do not operate.

We encourage you to review the privacy information provided by those organisations where relevant.

23. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business, website, technology, service providers or legal and regulatory requirements.

The latest version will be published on our website and will show the date it was last updated.

We encourage you to review this Privacy Policy periodically.

24. Contact Us

If you have a question about this Privacy Policy, wish to access or correct your personal information, make a privacy complaint or ask how your information is handled, please contact:

Paddy Dwyer
TriLending
Mount Duneed VIC 3217

Email: paddy@trilending.com.au
Phone: 0448 637 310