October 2026
'We', 'us' and 'our' refer to Bennji Pty Ltd, ACN 116 298 769 and its related entities and businesses.
This Privacy Policy sets out how we collect, hold, use and disclose your personal information and credit information. It applies to all personal information collected by us, whether collected directly from you or from third parties.
We are bound by the Privacy Act 1988 (Cth) (the Act), the Australian Privacy Principles set out in Schedule 1 of the Act, the Privacy (Credit Reporting) Code 2024, and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). This policy has been prepared in accordance with those obligations.
This Privacy Policy explains how we collect, use and disclose personal information. By providing personal information to us, you acknowledge that we will handle it in accordance with this Privacy Policy and any applicable laws. We may update this policy from time to time, and the current version will be available on our website at www.bennji.com.au.
We are committed to protecting the privacy and confidentiality of the personal information we collect and hold about you. We recognise that you have a right to control how your personal information is collected, used, disclosed and otherwise managed.
We will only use or disclose your personal information for the purposes for which it was collected, for related purposes where you would reasonably expect us to do so, or as otherwise permitted or required by law.
We are bound by, and committed to complying with, the Australian Privacy Principles as set out in Schedule 1 of the Act, the Privacy (Credit Reporting) Code 2024, and all other applicable legislation governing the handling of personal and credit information.
For the purposes of this policy, "personal information" means information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether recorded in a material form or not. Personal information may include credit information.
"Credit information" means information used to assess your eligibility for finance. Credit information generally includes the type and amount of credit sought or provided, repayment history, default information (including overdue payments), and court information. Credit information is usually exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we collect may include:
Where we require personal information about a third party (such as a spouse, joint account holder, or dependant), by providing that information you confirm that you have obtained the necessary consents from that third party and have informed them of the purpose for which their information is being disclosed, the existence of this Privacy Policy, and how they may obtain a copy of it.
We collect personal information for the purposes of assessing finance applications, managing finance, direct marketing, managing our relationship with you, offering other products and services, improving our level of service, developing expertise and know-how, and training and quality assurance. These purposes include:
We may disclose your personal information to organisations that provide products or services used or marketed by us, and to any organisation that may have, or is considering having, an interest in your finance or our business.
We also collect and hold personal information about finance brokers, loan originators and other business partners and affiliates to manage and improve our relationships and services with those parties.
Where it is reasonable and practicable to do so, we will collect personal information directly from you. This may occur through telephone conversations, emails, online or paper-based application forms, and other correspondence. We may also collect personal information from third parties and via cookies when you access our website through advertisements on third-party websites.
Sources from which we may collect personal information include:
We will only collect sensitive information with your consent. Sensitive information is personal information that includes information relating to racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
We may collect and hold health information where we are assisting you to procure products with an insurance component. We do not use or share that information for any purpose other than the underwriting or administration of your policy, claim or account, or as otherwise disclosed to you when the information was collected.
Our website may contain links to third-party websites. Where you access a third-party website through our website and that third party collects information, we may collect or have access to that information as part of our arrangements with the third party. Cookie information, preferences or other information may be shared between us and the third party.
A cookie is a small data file placed on your computer by a website server. We use cookies for the following purposes:
Your IP address is the identifier for your computer when using the internet. It may be necessary to collect your IP address for your interaction with various parts of our website.
The security of your personal information is of the highest importance to us. We regularly review developments in security and encryption technologies to maintain appropriate safeguards.
While we take all reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure, no data transmission over the internet can be guaranteed as totally secure. We cannot warrant the security of any information you transmit to us or receive from us.
Where we hold personal information, we store it in secure environments protected by a combination of physical and technological measures. We take reasonable steps to preserve the security of cookie information and personal information in accordance with this policy. Your browser will generally advise you whether the information you are sending us is secure or not.
Where we no longer require your personal information for any purpose permitted under the Privacy Act 1988 (Cth) and we are not legally required to retain it, we will take reasonable steps to destroy or de-identify that information.
We may disclose your personal information to the following recipients:
Prior to disclosing personal information, we will take all reasonable steps to satisfy ourselves that:
When you apply for credit, we may collect personal information that is likely to be disclosed to a credit reporting body (CRB). In compliance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2024, we notify you of the following:
| Credit Reporting Body | Website | Phone | Postal Address |
|---|---|---|---|
| Equifax Pty Ltd | www.equifax.com.au | 13 83 32 | PO Box 964, North Sydney, NSW 2059 |
| illion Pty Ltd | www.illion.com.au | 13 23 33 | PO Box 7405 St Kilda Road, Melbourne, VIC 3004 |
| Experian Pty Ltd | www.experian.com.au | 03 8622 1600 | Level 26, 2 Southbank Blvd, Southbank, VIC 3006 |
We may collect the following kinds of credit information and exchange it with CRBs and other entities, including (without limitation):
for the purpose of assessing credit applications:
We may hold personal information, including credit information, in physical and electronic form, including cloud-based storage. Cloud storage and IT servers may be located outside Australia. We will take reasonable steps to protect such information from misuse, interference, loss, unauthorised access, modification or disclosure. Access to and use of personal and credit information within our organisation is appropriately limited on a need-to-know basis.
We may disclose personal information, including credit information, to overseas entities located in New Zealand and the Philippines that provide support functions on our behalf. We may also disclose personal information to overseas recipients for analytical and business purposes. Please contact us using the details in Section 15 for further information about cross-border disclosures.
If you are a credit applicant and have been a resident in New Zealand, we are likely to disclose identification information to an overseas recipient in New Zealand to obtain credit information from New Zealand sources.
The law requires us to advise you of certain notifiable matters regarding the use of credit information. You may request these notifiable matters (and this privacy policy) in an alternative form. The following notifiable matters apply:
From time to time, we may use your personal information to provide you with current information about finance, offers, changes to our organisation, and new products or services offered by us or our associated companies that we believe may be of interest to you.
If you do not wish to receive direct marketing communications, you may opt out at any time by telephoning 1300 199 082 or writing to Level 1, 40 Graduate Road Bundoora Vic 3083.
Where a marketing communication is sent by email or text message, you may use the unsubscribe function included in that communication. There is no charge for giving effect to your request.
By using the unsubscribe function, you will only unsubscribe from marketing communications sent by the specific entity or brand that sent the communication, and only in respect of that method of delivery. If you would like to unsubscribe from all marketing communications from Bennji Pty Ltd and its related entities across all delivery methods, please contact us using the details set out in this policy. There is no charge for this request, and we will take all reasonable steps to give effect to it at the earliest opportunity.
You may request access to your personal information and credit information held by us at any time. We may charge a reasonable fee to cover the costs of retrieving and supplying the information.
We will endeavour to respond to your access request within seven (7) days, noting that we may need to contact other entities to respond to your request. In limited situations, we may not be able to comply with your request (for example, where existing or anticipated legal proceedings apply, or where the request is vexatious). If access is denied, we will provide you with a written explanation of the reasons.
If you believe that personal information or credit information we hold about you is incorrect, inaccurate or out of date, you may request that we correct it. Where appropriate, we will correct the information at the time of your request; otherwise, we will provide an initial response within seven (7) days. Where reasonable and after investigation, we will provide details about whether the information has been corrected within thirty (30) days. We may need to consult with other finance providers, credit reporting bodies or other entities as part of our investigation. If we refuse to correct the information, we will provide you with written reasons for the refusal.
For credit-related complaints, we will endeavour to provide you with a written notice setting out how we propose to deal with the complaint within seven (7) days of receiving it. We may consult with credit reporting bodies or other credit providers about the complaint where we consider it necessary and relevant to do so. After we have reasonably investigated your complaint, which we endeavour to complete no later than thirty (30) days from the date of your complaint, we will provide you with a further notice setting out our findings and the decision reached.
Where we collect government-related identifiers, such as a Medicare number, tax file number, driver's licence number or Australian passport number, we will not use or disclose those identifiers other than as required or authorised by law, or where reasonably necessary to verify your identity for the purpose of providing our products and services.
In most circumstances it will be necessary for us to identify you in order to conduct business with you. Where it is lawful and practicable to do so, however, we will offer you the opportunity of doing business with us without providing personal information. For example, you may make general inquiries about interest rates or current promotional offers without identifying yourself.
If you are dissatisfied with how we have handled your personal information, or if you believe we have breached the Australian Privacy Principles or the Act, you may contact our complaints team:
We will acknowledge your complaint within one business day of receipt and will endeavour to provide a decision within 30 days.
If your privacy complaint remains unresolved, you may lodge a complaint with the Office of the Australian Information Commissioner:
If you have any questions or concerns about this policy or the way in which we handle your personal information, please contact us:
| Contact Method | Details |
|---|---|
| customercare@bennji.com.au | |
| Telephone | 1300 199 082 |
| Post | Attn: Privacy Officer, Level 1, 40 Graduate Road Bundoora Vic 3083 |
We may change this privacy policy from time to time. Any amendments will be effective at the time they are published on our website www.bennji.com.au. We encourage you to review this policy periodically. This privacy policy was last updated in October 2026.
The information contained on our website is for general information purposes only. It is provided by Bennji Pty Ltd and whilst we endeavour to keep the information up-to-date and correct, Bennji Pty Ltd gives no warranty and accepts no responsibility for the accuracy or completeness of any information on the website. Any reliance you place on such information is strictly at your own risk. Bennji Pty Ltd reserves the right to make changes to the website and to this policy as it deems appropriate.
Version 1.0 – October 2026