Your Privacy Matters to Us
This Privacy Policy sets out our commitment to protecting your personal information. It applies to Consolidated Funding Group Pty Ltd t/as Fairbanks Financial Group, our Aggregator (LMG Broker Services Pty Ltd) and our related businesses, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
General Information Notice: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
1. Who Are We?
"We", "us" and "our" refers to the Broker, Aggregator, Australian Credit Licensee and our related businesses outlined in the Credit Guide provided to you.
The Broker
Consolidated Funding Group Pty Ltd (ACN 119 381 832) as trustee for Hesari Business Trust (ABN 23 623 634 518) trading as Fairbanks Financial Group. Credit activities conducted by Farzin Ghaffari Hesari, Credit Representative (CRN 577919).
The Aggregator & ACL Holder
LMG Broker Services Pty Ltd (ACN 632 405 504), Australian Credit Licence 517192. LMG is the aggregator and Australian Credit Licensee under whose licence Fairbanks Financial Group operates as a credit representative.
Together, we are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This policy applies to all personal information collected by us in connection with our credit assistance services.
2. Our Commitment to Protect Your Privacy
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
3. Personal Information
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include:
Identity & Contact Details
- Your name and date of birth
- Residential address (current and previous)
- Contact details (phone, email)
- Account details and occupation
- Any other information needed to identify you
Website & Enquiry Information
- Type and amount of finance you are interested in
- Information provided directly through our website
- Information provided indirectly through use of our website
- Enquiries and communications submitted online
Finance Application Information
- Ages and number of dependants and cohabitants
- Length of time at your current address
- Employment details and proof of earnings
- Expenses and financial commitments
- Assets and liabilities
Insurance & Health Information
- Health information (only if applying for insurance products)
- Collected only with your express consent
- Used solely for the purpose of the insurance application
4. Why We Collect Your Personal Information
We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.
We collect personal information on our website to send communications requested by you and to answer enquiries and provide information or advice to you.
5. How Do We Collect Your Personal Information?
Where reasonable and practical we will collect your personal information directly from you.
We may also collect your personal information from LMG, other finance brokers and other people such as accountants and lawyers.
Directly from you
Via online application forms, rate review forms, contact forms, telephone conversations and in-person consultations.
From LMG (our Aggregator)
LMG Broker Services Pty Ltd may share information with us in connection with our credit representative arrangement and compliance obligations.
From other finance brokers
Where another broker refers you to us or is involved in your finance application, with your knowledge and consent.
From accountants and lawyers
Professional advisers who provide information on your behalf in connection with your finance application.
Via our website
Through enquiry forms, calculator tools, the Fairbanks Intelligence platform, and website analytics.
6. Do We Disclose Your Personal Information?
We may disclose your personal information:
To prospective funders or other intermediaries in relation to your finance requirements
To other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres
To associated businesses that may want to market products to you
To companies that provide information and infrastructure systems to us
To anybody who represents you, such as finance brokers, lawyers and accountants
To anyone, where you have provided us consent
Where we are required to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth)
To investors, agents or advisers, or any entity that has an interest in our business
To your employer, referees or identity verification services
Our Commitment Before Disclosure
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
- (a)the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
- (b)you have consented to us making the disclosure.
7. Do We Disclose Your Personal Information to Anyone Outside Australia?
We may disclose personal information to our related bodies corporate and third party suppliers and service providers located overseas for some of the purposes listed above. We take reasonable steps to ensure that the overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.
We may disclose your personal information to entities and services located outside of Australia, including the following:
Data Hosting & IT Services
Our data hosting and other IT service providers, located in various countries including the United States of America.
Philippines
Third party suppliers and service providers located in the Philippines who may assist with loan processing and administration under strict confidentiality obligations.
United States of America
Cloud infrastructure, software-as-a-service providers and other third parties located in the USA who provide systems and services used in our business.
8. Direct Marketing
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting us. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Opt Out at Any Time
Contact us at privacy@fairbanksfinancial.com.au or use the unsubscribe link in any marketing email. We will action your request at the earliest possible opportunity at no charge to you.
9. Updating Your Personal Information
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or up to date.
Contact Us to Update Your Details
Phone: 1300 187 610 | Email: privacy@fairbanksfinancial.com.au
10. Access and Correction to Your Personal Information
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. An explanation will be provided to you if we deny you access to the personal information we hold about you.
Access Request
Submit a written request to privacy@fairbanksfinancial.com.au. We will respond within 7 days of receiving your request. Identity verification will be required before access is granted.
Correction Request
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. We will provide an initial response within 7 days and, where reasonable, provide details about whether we have corrected the information within 30 days.
If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
11. Using Government Identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law. We will never use a government identifier in order to identify you.
12. Business Without Identifying You
In most circumstances it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information.
For example, if you make general enquiries about interest rates or current promotional offers, you may do so without identifying yourself.
13. Sensitive Information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your:
14. How Safe and Secure Is Your Personal Information?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Technical Safeguards
- TLS encryption for all data in transit
- Encryption for data at rest
- Multi-factor authentication on all systems
- Role-based access controls
- Regular security assessments
- Intrusion detection and monitoring
Organisational Safeguards
- Privacy training for all staff and contractors
- Binding confidentiality agreements
- Clear desk and clear screen policies
- Documented data breach response plan
- Regular privacy compliance reviews
- Secure document destruction procedures
15. Complaints
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact us via the contact details below.
We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
Feedback & Complaints — IDR Process
For full details of our Internal Dispute Resolution (IDR) process, LMG Resolutions contact details, AFCA escalation rights and complaint timeframes, please visit our dedicated Feedback & Complaints page.
Step 1 — Contact Us First
Submit your complaint in writing to privacy@fairbanksfinancial.com.au or by phone on 1300 187 610. We will acknowledge within 7 days and provide a decision within 30 days. You can also lodge a complaint online.
Step 2 — Escalate to the Privacy Commissioner (OAIC)
If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted at www.oaic.gov.au or 1300 363 992.
Step 3 — Financial Complaints to AFCA
For complaints relating to our credit assistance services, you may also contact the Australian Financial Complaints Authority (AFCA) — AFCA Membership No. 48367 — at www.afca.org.au or 1800 931 678. This service is at no cost to you.
16. Further Information
You may request further information about the way we manage your personal information by contacting us using the details below.
Regulatory Bodies
OAIC: www.oaic.gov.au · 1300 363 992 | ASIC: www.asic.gov.au | AFCA: www.afca.org.au · 1800 931 678
17. Change in Our Privacy Policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.
As a consequence we may change this privacy policy from time to time or as the need arises. You may request this privacy policy in an alternative form.
Effective Date
This privacy policy is effective from August 2021 (LMG Consumer Privacy Policy framework) and was last reviewed by Fairbanks Financial Group in April 2026. The most current version is always available at fairbanksfinancial.com.au/privacy-policy.