Privacy Policy

PANDA FUNDS PTY LTD ("we", "us", "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, hold, use and disclose personal information in connection with our business, including commercial and business finance enquiries, funding discussions, referrals, client communications, and related services.

We handle personal information in an open and transparent manner and take reasonable steps to comply with applicable Australian privacy laws.

1. What personal information we may collect

Depending on the nature of your dealings with us, we may collect personal information such as:

• your name;
• phone number and email address;
• business name, trading name and ABN details;
• job title or role within a business;
• business contact details;
• information about your finance enquiry, funding needs, or borrowing requirements;
• information about your business, assets, liabilities, income, expenses, or proposed security;
• documents and supporting information you provide during an enquiry, assessment, or referral process;
• records of communications with us; and
• website usage information, device information, cookies data, and analytics information.

2. How we collect personal information

We may collect personal information directly from you when you:

• contact us by phone, email, website form, or social media;
• submit an enquiry regarding commercial or business finance;
• provide documents or information for assessment, referral, or review purposes;
• request information about our services; or
• deal with us as a client, prospective client, referrer, introducer, supplier, or service provider.

We may also collect personal information from third parties where reasonably necessary, including:

• your authorised representatives;
• business partners, referrers, or introducers;
• professional advisers;
• publicly available sources; and
• technology, analytics, hosting, administration, or communication service providers.

3. Why we collect, hold, use and disclose personal information

We may collect, hold, use and disclose your personal information for purposes including:

• responding to your enquiries and communicating with you;
• considering your commercial or business finance requirements;
• introducing or referring you to lenders, funders, brokers, advisers, or service providers relevant to your enquiry;
• assisting with funding discussions, preliminary assessment, or related business processes;
• managing our relationship with you;
• operating, maintaining, and improving our website, systems, and services;
• internal administration, record keeping, compliance, and risk management; and
• meeting legal, regulatory, and other lawful obligations.

4. Who we may disclose personal information to

Where reasonably necessary, we may disclose your personal information to:

• lenders, funders, brokers, referrers, introducers, and business partners relevant to your enquiry;
• our employees, contractors, consultants, and service providers;
• technology, cloud storage, software, hosting, website, and communication providers;
• professional advisers such as accountants, lawyers, and compliance advisers;
• government agencies, regulators, law enforcement bodies, courts, tribunals, or dispute resolution bodies where required or authorised by law; and
• other parties where you have consented or where disclosure is otherwise permitted by law.

5. Overseas disclosure

Some of our service providers that assist with technology, communications, storage, hosting, or administration may be located overseas or may store data overseas from time to time. This may include providers operating in countries such as China, the United States, Singapore, or other jurisdictions.

Where reasonable, we take steps to ensure that overseas recipients handle personal information in a manner consistent with applicable privacy obligations.

6. Website usage, cookies and analytics

Our website may use cookies, analytics tools, server logs, and similar technologies to help us understand site traffic, improve website functionality, maintain security, and enhance user experience.

These tools may collect information such as IP address, browser type, approximate location, pages visited, referral source, device information, and time spent on the site. In some circumstances, this information may be capable of being linked to you.

You can usually manage cookies through your browser settings. However, disabling cookies may affect certain website functions.

7. Direct marketing

We may use your contact details to send you information about our services where permitted by law. You may opt out of receiving marketing communications from us at any time by contacting us or using any unsubscribe facility provided.

8. Storage and security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. These steps may include physical, administrative, and technical safeguards such as access controls, secure systems, password protection, and confidentiality obligations.

However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

9. Access and correction

You may request access to personal information we hold about you and request correction of personal information that is inaccurate, out of date, incomplete, irrelevant, or misleading.

We may need to verify your identity before processing your request. In some circumstances, applicable law may permit or require us to refuse access. If that occurs, we will explain the reasons where we are permitted to do so.

10. Complaints

If you have a complaint about how we handle your personal information, please contact us using the details below and provide enough information for us to understand and investigate your concern.

We will acknowledge your complaint within a reasonable time and aim to investigate and respond as soon as reasonably practicable.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).

11. How to contact us

For privacy-related enquiries, access requests, correction requests, or complaints, please contact us using the details above.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal obligations, or operational requirements. The current version will always be made available on this page.