Privacy Policy

1. What we collect

We collect personal information that we need to assess, fund and administer litigation funding for a family-law or related matter. That information includes:

We also collect the business contact details of the lawyers, firms, valuers and other professionals we deal with on a matter — name, firm, role, email address and phone number — together with our correspondence and meeting notes with them.

We collect sensitive information only with your consent, or where the law requires or authorises it, and only where it is reasonably necessary to assess and manage your funding.

• Identity and contact details: your name, email address, phone number, residential address, date of birth, citizenship and residency status.
• Information about your legal matter: the type of matter, the court, your lawyer's details, the name of the other party, the issues in dispute, court dates and the documents you or your lawyer provide (for example a costs agreement, court filings, or an affidavit of assets and liabilities).
• Financial information: the value and nature of assets in the property pool, legal costs incurred and expected, amounts owed, your repayment plan, and supporting documents such as bank statements and valuations.
• Declarations you make in your application, which can include sensitive information: whether you or the other party have been bankrupt, whether you are or have been involved in other civil proceedings, whether you have been charged with or convicted of a criminal offence, and whether the matter involves family violence or the care of children.
• Identity documents you upload so that we can verify who you are, as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 requires. Once we have verified you, we keep a record of what we checked — document type, issuer, expiry, method and outcome, and only the last four characters of the number — and we destroy the copy of the document. We do not keep images of your identity documents, and we never use a licence, passport or Medicare number as your customer number.
• Information generated when you use our portal: sign-in records, the documents you open, and the pages you visit.
• How you found us: if you arrive at our website from an advertisement, a search result or a link, your browser may carry campaign tags and an advertising click identifier, and tells us the page you came from. We keep those in your browser's own storage and record them against your enquiry when you send it, so that we know which channels bring enquiries. We do not use them to follow you across other websites, and we do not use advertising cookies.

2. Tax File Numbers — please do not send us one

We are not authorised under taxation law to collect or hold Tax File Numbers, and we will never ask you for one.

You are free to remove or black out your TFN before you give us any document — a tax return, a notice of assessment or a payslip — and we encourage you to do so. Our upload tool reads text documents and the text layer of PDFs, and refuses the upload if it finds a TFN. It cannot read a photograph or a scan, so please check those yourself before uploading.

If a TFN reaches us anyway, we will remove it and destroy the original as soon as we become aware of it. We do not keep TFNs for any period.

3. How we collect it

Mostly from you — through the enquiry form on our website, the online application and the documents you upload to your secure portal. We also collect information from your lawyer (with your authority), from valuers, from the court record where it is public, from public registers such as the National Personal Insolvency Index, and — if you have consented to a credit check — from a credit reporting body (see section 7 and the Credit Reporting Notice).

Where you give us information about another person, such as the other party to your proceedings, you should only do so where it is relevant to the matter. We hold that information as strictly as we hold yours and use it only for the matter.

We may use software to take notes of meetings and calls. We tell everyone attending when a meeting is being recorded or transcribed, and the notes are held with the same protections as the rest of a file.

You can make a general enquiry without giving your name. We cannot assess or fund an application anonymously or under a pseudonym: the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 requires us to identify a borrower, and a secured loan cannot be administered without knowing who the borrower is.

4. Why we collect and how we use it

We do not use your personal information for direct marketing, and we do not sell it.

• To assess your application and decide whether, and on what terms, to fund your matter.
• To verify your identity and meet our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, including customer due diligence and, where the Act requires it, reporting to AUSTRAC. If we verify an identity document electronically through the Australian Government's Document Verification Service, we will ask for your express consent first and tell you how that service works.
• To administer the facility: paying your lawyer's invoices, calculating interest and fees, receiving repayments and issuing statements.
• To communicate with you and your lawyer about the matter.
• To understand which advertising and referral channels bring enquiries, using the campaign tags described in section 1.
• To keep the records the law requires us to keep, to handle complaints, and to protect our legal rights.

5. Automated tools

Decisions about whether to fund you, and on what terms, are made by our credit staff. We use software, including artificial-intelligence services, to read documents and meeting notes and to prepare summaries and indicative figures for our staff to consider — for example a summary of an affidavit, or an indicative range of outcomes worked out from the figures in the documents on your file. Those outputs inform a person's decision; no decision that significantly affects your rights or interests is made by a computer program without a person reviewing it.

From 10 December 2026 the Privacy Act requires this policy to describe the kinds of personal information used by computer programs to make, or to do things substantially and directly related to making, decisions that could reasonably be expected to significantly affect you, and the kinds of decisions involved. The kinds of personal information those tools use are the documents and figures on your file described in section 1; the decision they relate to is whether, and on what terms, to fund your matter. We will update this section if we begin using a program to make such a decision without a person reviewing it.

6. Who we share it with

• Your lawyer and their firm, for the purpose of the matter and the funding.
• Valuers, and other professionals we engage to assess a property or a claim.
• Our funders and financiers, where a facility is funded by or secured to them, limited to what they need to manage their exposure.
• A credit reporting body, only if you have consented to a credit check (see the Credit Reporting Notice).
• Service providers who host our systems, send our email, store our documents and help us operate, under contracts that restrict them to acting on our instructions.
• The Australian Transaction Reports and Analysis Centre (AUSTRAC), where the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 requires us to report.
• Courts, regulators, law-enforcement and dispute-resolution bodies where the law requires or permits.

7. Credit information and credit reporting

This section is our credit reporting policy under section 21B of the Privacy Act. It applies if you consent to a credit check. It is published here, and we will give you a paper copy at no charge if you ask.

The Credit Reporting Notice and Consent at legalfinancegroup.com.au/disclosures/credit-check sets out what you are agreeing to when you consent to a credit check.

• What we collect: identification information (your name, date of birth and address); the contents of a consumer credit report about you — credit enquiries, defaults, court judgments, bankruptcy and other personal-insolvency information — and any credit score the credit reporting body provides. Because we do not hold an Australian credit licence, a report we obtain does not include repayment history information or financial hardship information.
• Where from: Equifax Australia Information Services and Solutions Pty Ltd, or another credit reporting body we tell you about before we use it; and public registers such as the National Personal Insolvency Index.
• Why: to assess your application for funding, including to check whether you have been bankrupt or have unpaid defaults, and to help verify your identity. We obtain a report only with your express consent, once, when we assess an application. If we need another report later — for example if you apply for further funding — we will ask you again.
• What we give the credit reporting body: only the identification information needed to obtain your report. We do not report repayment history, defaults or account information to any credit reporting body. If that changes, we will notify you before we do so.
• Where it is held: in Australia. We do not disclose credit information to recipients outside Australia.
• Who sees it: the credit staff assessing your application, and every time it is opened is logged. We destroy or de-identify credit information when it is no longer needed for the purposes above and the law no longer requires us to keep it.
• Your rights: you can ask us for access to the credit information we hold about you, and ask us to correct it, by writing to privacy@legalfinancegroup.com.au. We will respond within 30 days, and if we correct information we will tell any credit reporting body or credit provider we obtained it from or gave it to. You can complain to us about our handling of credit information at the same address; we acknowledge a complaint within 7 days and give you our decision within 30 days. If you are not satisfied you can complain to the Office of the Australian Information Commissioner.

8. Overseas recipients

Our database, document storage and portal are hosted in Australia (Sydney). Some of the service providers we use process information outside Australia. We are likely to disclose personal information to recipients in the following countries, for the purposes shown:

Our payments provider, Airwallex Pty Ltd, is an Australian company based in Melbourne. It processes the payment information on money you pay us and money we pay on your behalf — the payer or payee name, the amount and the payment reference. Airwallex states that it primarily hosts personal information in Singapore, Belgium, the Netherlands, Japan, Australia, Malaysia and the United States, and that it may also transfer information to other countries where its affiliates and service providers are located. Its privacy policy at airwallex.com/au/terms/privacy-policy explains its own handling.

Before disclosing personal information overseas we take reasonable steps to ensure the recipient handles it in a way that is consistent with the APPs, including binding contractual terms that prohibit the recipient from using it for its own purposes or to train artificial-intelligence models, and that require deletion when the service ends. We remain accountable under APP 8 for how those recipients handle your information.

• United States — email delivery (Resend: the notifications sent to you and your lawyer contain your name and the amounts and invoice numbers they concern); document storage mirrored to Google Workspace (Google), which is where our staff work from the matter file; artificial-intelligence services that read documents and meeting notes for our staff (Anthropic), which are contractually prohibited from using what they read to train models; and meeting-notes software used by our staff (Granola).

9. How we hold and protect it

• Structured data is held in an encrypted database in Sydney, Australia; documents are held in private, encrypted storage in the same region. Nothing we hold is reachable from a public link.
• Every user — client, lawyer and staff — must use two-factor authentication. Access is limited by role and, for lawyers and clients, to the matters they are party to.
• Lawyer trust-account details are encrypted at the field level with keys held outside the database.
• Every change to your record, and every time a document is opened or downloaded, is logged in an audit trail that cannot be altered or deleted.
• Staff who can see your file do so from named accounts with two-factor authentication, and their access is logged.
• We do not copy live client data into test or development systems.

10. How long we keep it

We keep the records of a funded matter for seven years after the facility is closed, because the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and, where it applies, the National Consumer Credit Protection Act 2009 require it. If your application does not proceed, we keep the application for seven years from the date of the decision on the same basis. Once a retention period has expired we de-identify the record: the personal details, free-text descriptions and documents are removed and destroyed, and only the financial history needed for our accounts is kept, with no way to link it back to you.

Communications with lawyers' firms that are not part of a matter file are kept for three years and then deleted.

When we destroy a document we delete it from our live systems immediately. A copy may remain inside an encrypted system backup until that backup expires; while it does, it is not used or accessed by anyone, is protected by the same controls as live data, and is destroyed when the backup expires.

11. Access and correction

You can ask to see the personal information we hold about you and ask us to correct it. Write to privacy@legalfinancegroup.com.au. We will respond within 30 days. We may ask you to verify your identity first. If we refuse a request we will tell you why, in writing, and how to complain.

12. Complaints

If you believe we have handled your personal information in breach of the APPs, please write to the Privacy Officer at privacy@legalfinancegroup.com.au. We will acknowledge your complaint within 7 days and aim to resolve it within 30 days. If you are not satisfied with our response you can complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.

13. Data breaches

If personal information we hold is lost, or accessed or disclosed without authorisation, and that is likely to result in serious harm, we will notify you and the OAIC as soon as practicable, in accordance with the Notifiable Data Breaches scheme.

14. Changes to this policy

We may update this policy. The current version is always at legalfinancegroup.com.au/disclosures/privacy and carries a version number; the version you agreed to is recorded against your application.