Privacy and Credit Reporting Policy

Last updated: 3 November 2026

This policy explains how Mynt Financial collects, uses, stores and shares personal information, including credit-related information. It also explains how you can ask to access or correct your information, or make a privacy complaint.

Contents

• Who we are
• Our privacy commitment
• Personal and credit-related information
• How we collect information
• Why we collect and use information
• Cookies and website information
• When we may share information
• Overseas recipients
• Credit reporting information
• Direct marketing
• How we protect information
• Accessing or correcting information
• Government identifiers
• Enquiries without identifying yourself
• Sensitive information
• Data breaches
• Privacy complaints
• Changes to this policy

Who we are

“We”, “us” and “our” refer to Wealth and Money Pty Ltd (ABN 19 638 680 029, ACN 638 680 029), trading as Mynt Financial.

Josh Bartlett is a credit representative (Credit Representative No. 402464) of Australian Financial Group Limited (Australian Credit Licence 389087).

Our privacy commitment

We take the privacy of your personal information seriously. We handle personal information in accordance with applicable privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We also follow applicable credit reporting laws and the Privacy (Credit Reporting) Code 2025.

This policy describes our general information-handling practices. Where we collect information for a particular service or request, we may also provide a separate notice explaining that collection.

Personal and credit-related information

Personal information is information or an opinion about someone who is identified, or whose identity could reasonably be worked out.

Depending on how you interact with us, we may collect information such as your name, date of birth, address, email address, phone number, account details, occupation and transaction history.

If you apply for finance, we may also collect information about your dependants or people who live with you, how long you have lived at your current address, your employment, income and expenses, and your tax file number or tax residency status where relevant.

Our website and online services may collect technical information such as your IP address and information about your device, network and use of our website. See Cookies and website information.

Depending on the service, personal information may include credit-related information:

• Credit information, such as your identity, details of credit provided to you, repayment history, overdue payments, defaults, payment information, new arrangements, serious credit infringements, court proceedings, personal insolvency information and relevant publicly available information.
• Credit eligibility information, which is information a credit reporting body provides to us, and information we derive from it.

We may also collect payment information to process payments to or from you. If you apply for a job with us, we may collect information about your work history and referees. If you apply to become a Mynt Financial member, we may collect information needed to assess your application and your ability to arrange finance contracts through Mynt Financial.

How we collect information

Where practical, we collect information directly from you—for example, when you complete a form, contact us, apply for finance or use our services.

We may also collect information from other sources where appropriate and permitted, including credit reporting bodies, lenders, finance brokers, employers, professional advisers, referees, public registers and other people you authorise or who are involved in your finance arrangements.

First Payslip Parent Guide: If you request this guide through our website form, we collect your first name, last name, mobile number and email address to record and respond to your request. The form information is stored in ActiveCampaign and tagged as a First Payslip guide request. The form then opens the guide PDF; it does not currently send the guide by email or subscribe you to a marketing list. A request for the guide is separate from consent to receive marketing.

Why we collect and use information

We collect and use personal information for purposes such as:

• responding to your enquiry or request and providing information or resources you ask for;
• assessing, arranging and managing finance and related services;
• verifying your identity and assessing your eligibility for a service;
• communicating with you and managing our relationship with you;
• meeting legal, regulatory and contractual obligations;
• recruiting and managing employees, contractors and Mynt Financial members;
• processing payments, managing risk, improving our services and maintaining our website; and
• providing marketing where permitted by law and, where required, with your consent.

We may use information for another related purpose where you would reasonably expect us to do so, where you have consented, or where permitted or required by law.

Cookies and website information

Our website may use cookies and similar technologies to help it operate, remember preferences, understand how visitors use the site, improve its performance and support advertising or marketing.

This information may include pages visited, the path taken through the website, browser and device details, approximate location, interactions with online content and error messages. Some cookies or similar technologies may be provided by third parties.

You can use your browser settings to manage or block cookies. Some website features may not work as intended if you block them. The information collected depends on the technologies active on the website and your browser settings.

When we may share information

We may share personal information where it is reasonably needed to provide a service, for a purpose explained when we collected it, with your consent, or where permitted or required by law. This may include sharing information with:

• lenders, funders and other organisations involved in assessing or arranging your finance;
• credit reporting bodies, valuers, insurers, conveyancers, lawyers and other service providers involved in your matter;
• our contractors and service providers, including providers of technology, website hosting, customer relationship management, data storage and communications services;
• your authorised representatives, such as a broker, lawyer, accountant, guardian or person holding your authority;
• other borrowers, guarantors or security providers involved in the same finance arrangement;
• our auditors, insurers, professional advisers and related service providers; and
• regulators, government agencies, courts or other parties where we are required or authorised to do so.

We take reasonable steps to ensure that service providers who handle personal information for us protect it appropriately.

Overseas recipients

Some service providers or support functions may be located outside Australia. Our existing policy identifies the United States, Canada, Malaysia, India, Ireland, the United Kingdom and the Philippines as countries where some support entities may be located. Where personal information is handled overseas, we take steps required by applicable law to protect it.

You can contact us for more information about overseas handling of your personal information.

Credit reporting information

We may collect or handle credit-related information to assess or arrange finance, verify identity, manage finance matters and meet legal obligations. This may involve exchanging information with credit providers and credit reporting bodies.

The credit reporting bodies identified in our current records are Equifax Pty Ltd, Experian Australia Credit Services Pty Ltd and illion Australia Pty Ltd. Their privacy policies and contact details are available on their websites.

Credit reporting bodies may use information they hold to prepare credit reports or scores for credit providers. A record of a credit report request may also be used in assessing creditworthiness and may affect a credit score or rating.

If a credit provider believes you have failed to meet payment obligations or committed a serious credit infringement, it may be entitled to disclose relevant information to a credit reporting body, subject to applicable law.

You may ask us for information about the credit-related information we hold and how to access or correct it. You can also contact a credit reporting body about your credit report, including to request a correction or ask about a ban period or pre-screening. We can provide our credit reporting information in another form on request.

Where we collect information likely to be disclosed to a credit reporting body, we will provide or make available any required credit reporting notice at or before collection.

Direct marketing

We may use your personal information to provide information about finance offers, our services or services offered by businesses with which we have a relationship, where permitted by law and, where required, with your consent.

You can ask us to stop sending marketing by emailing admin@myntfinancial.com.au. If you receive marketing by email or text, you can also use the unsubscribe option or reply “STOP” where provided. We will action your request within a reasonable time. You may still receive service or transaction messages that are not marketing.

How we protect information

We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. Information may be held electronically or in paper form and may be stored by service providers on our behalf.

No method of online transmission or electronic storage is completely secure. We continue to take reasonable steps to protect information in the circumstances.

Accessing or correcting information

You may ask us for access to the personal or credit-related information we hold about you, or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.

To make a request, email admin@myntfinancial.com.au. We may need to confirm your identity before responding. We will respond within the time required by law. In some circumstances, the law may allow or require us to refuse access or correction; if so, we will explain our decision where we are permitted to do so.

Government identifiers

We handle government identifiers, such as tax file numbers, only as permitted or required by law. We do not use a government identifier as our own identifier for you.

Enquiries without identifying yourself

Where it is lawful and practical, you may make a general enquiry without identifying yourself or by using a pseudonym. We may need to identify you to provide some services, assess finance or respond to a specific request.

Sensitive information

Sensitive information can include information about your racial or ethnic origin, political opinions, professional or trade association or union membership, sexual orientation, criminal record or health.

We generally collect sensitive information only with your consent, unless an exception permitted by law applies. We only use or disclose it for the purpose it was collected, a directly related purpose you would reasonably expect, with your consent, or as otherwise permitted by law.

Data breaches

If a data breach involving personal information occurs, we will assess it and take steps required by law. Where the law requires notification, we will notify affected individuals and the Office of the Australian Information Commissioner.

If you believe your personal information held by us has been affected by a data breach, contact us at admin@myntfinancial.com.au.

Privacy complaints

If you have a concern or complaint about how we have handled your personal or credit-related information, email admin@myntfinancial.com.au. Please include enough detail for us to understand and investigate your concern.

We will acknowledge your complaint within seven days and aim to provide a decision within 30 days. If we need more time, we will let you know.

If you are not satisfied with our response, you may be able to complain to the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner (OAIC), depending on the nature of your complaint.

AFCA can be contacted at afca.org.au, by email at info@afca.org.au, or by phone on 1800 931 678. The OAIC can be contacted at oaic.gov.au or by phone on 1300 363 992.

Contact us

For privacy questions, access or correction requests, or further information about how we handle personal or credit-related information, contact:

Wealth and Money Pty Ltd trading as Mynt Financial
Email: admin@myntfinancial.com.au
Phone: 03 8555 2017
Address: 308a Bay Road, Cheltenham VIC 3192

Changes to this policy

We may update this policy from time to time to reflect changes to our business, information-handling practices or the law. The current version will be published on our website. The date at the top of this page shows when it was last updated.