Privacy Policy

This Privacy Policy explains how Credizen Pty Ltd ("Credizen", "we", "us", "our") collects, uses, discloses, and protects your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

1. Information we collect

When you use our loan comparison service, we may collect:

Comparison form data: Loan amount, loan purpose, employment status, monthly income, credit history, state/territory, date of birth, email address, and phone number (optional)
Usage data: Pages visited, time on site, device type, browser, IP address, and referral source
Cookie data: Analytics and functionality cookies (see Cookie section below)

2. How we use your information

We use your personal information to:

Match you with suitable loan offers from our lender partners
Display personalised comparison results
Send your comparison results via email (if you provide your email)
Improve our comparison algorithms and service quality
Analyse website usage to improve user experience
Comply with legal and regulatory obligations

3. Disclosure to third parties

We may share your information with:

Lender partners: When you click "Apply" to proceed with a lender, your comparison details may be shared to facilitate your application
Analytics providers: Google Analytics and Microsoft Clarity for website improvement (anonymised data)
Legal requirements: Where required by law, regulation, or court order

We do not sell your personal information to third parties.

4. Data security

We protect your information using:

256-bit SSL/TLS encryption for all data in transit
Encrypted storage on Microsoft Azure cloud infrastructure
Access controls limiting data access to authorised personnel
Regular security reviews and updates

5. Data retention

Comparison form data is processed in real time and is not retained beyond the matching session unless you opt in to receive results via email. Usage data is retained for up to 26 months for analytics purposes.

6. Your rights under the APPs

Under the Australian Privacy Principles, you have the right to:

Access — Request access to the personal information we hold about you
Correction — Request correction of inaccurate or outdated information
Complaint — Lodge a complaint if you believe we have breached the APPs

To exercise these rights, contact us at maloni@outlook.com.

7. Cookies

We use cookies and similar technologies for:

Essential cookies: Required for the website to function
Analytics cookies: Google Analytics (GA4) to understand how visitors use our site
Performance cookies: Microsoft Clarity for user experience improvement

You can manage cookie preferences through your browser settings.

8. Overseas disclosure

Your data may be processed on servers located outside Australia (Microsoft Azure data centres). We ensure that any overseas processing complies with the APPs and provides a comparable level of data protection.

9. Changes to this policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. We encourage you to review this policy periodically.

10. Contact us

For privacy-related enquiries or complaints:

Email: maloni@outlook.com
Company: Maloni

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

Last updated: April 2026