Privacy Policy
Effective date: June 2026
1. Introduction
X Lend Finance Pty Ltd trading as "X Lend" ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose and safeguard your personal information when you visit our website or use our services.
We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code.
X Lend Finance Pty Ltd ABN 46 665 041 136 · ACN 665 041 136 Authorised Credit Representative #551197 of AFAS Group Pty Ltd, Australian Credit Licence #414426 (ABN 12 134 138 686) Level 6, 85 George Street, Parramatta NSW 2150 Phone: 0477 771 508 · Email: info@xlend.com.au
2. Information we collect
Personal information you provide directly — such as your name, email address, phone number, and details about your finance needs — when you submit an enquiry or application through our website.
Credit information — where you apply for finance, we may collect credit-related information, including identification details and information needed to assess a credit application (see our Credit Guide and Privacy Disclosure & Consent for full detail).
Technical information collected automatically — such as browser type, device, operating system and IP address — to operate and improve our website.
3. How we use your information
We use the information we collect to:
- Respond to your enquiry and assist with sourcing finance;
- Provide, operate, maintain and improve our website and services;
- Communicate with you about your enquiry or application;
- Comply with our legal and regulatory obligations;
- Where you have agreed, send you information about products and services that may interest you (you can opt out at any time).
4. Disclosure of your information
We do not sell or trade your personal information. We may disclose it:
- To credit providers, lenders and insurers in order to source finance on your behalf;
- To service providers who help us operate our business (such as IT, administrative or professional service providers), under appropriate confidentiality obligations;
- Where required or authorised by law.
When you apply for finance, more detailed disclosure arrangements apply — these are set out in our Privacy Disclosure & Consent and Credit Guide.
5. Security
We take reasonable steps to protect your personal information from misuse, loss, and unauthorised access, modification or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
6. Third-party links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites. We encourage you to review their privacy policies.
7. Your rights
You may request access to the personal information we hold about you and ask us to correct it if it is inaccurate. To do so, contact our Privacy Officer using the details below. In some cases an administration fee may apply to cover the cost of providing the information.
You may also ask credit reporting bodies not to use your information for direct marketing or pre-screening, and to be notified if you believe you are a victim of fraud.
8. Changes to this policy
We may update this Privacy Policy from time to time. The current version will always be available on our website, with the effective date shown above.
9. Contact us
For any questions about this Privacy Policy, or to access or correct your information, contact our Privacy Officer:
Privacy Officer — X Lend Finance Pty Ltd Level 6, 85 George Street, Parramatta NSW 2150 Phone: 0477 771 508 Email: info@xlend.com.au