About this Privacy Statement

JustFund Pty Ltd and its subsidiaries (JustFund) collects and handles your personal information in accordance with its legal obligations, including those under the Privacy Act 1988 (Cth) in providing you with funding in relation to your family law or estates matter. This Statement describes how your personal information and credit information is collected and handled by JustFund.

Collection, use and sharing

What information do we collect?

We collect your personal information directly from you most of the time, however on occasion, we may also collect information about you from other people and organisations including the law firm that represents you in a legal matter.

We collect personal information when you:

enquire about, apply for, or use our products or services
contact us to make an enquiry or give us feedback
visit our website or use our digital services
participate in other activities we offer, such as competitions or surveys
talk to us or do business with us.

We are required to collect some types of personal information to meet our legal obligations, and try to limit our collection to what is necessary to offer you our products and services. This information includes:

Personal and contact details: This may include your name, address, email address, phone number, and date of birth.
Australian Government related identifiers and identity documents: These may include your Australian passport, driver licence, or Medicare Card and if required other documentation to verify your identity (for example citizenship, birth, death and marriage certificates)
Legal matter information: We collect information about the family law or estates matter related to your funding application including the current status of the matter, type and nature of your claim, your entitlement and copies of documentation to support your claim or entitlement (for example affidavits, legal correspondence with your law firm or the law firm acting for an opponent, wills and probate documentation, and court documents)
Financial information: This may include details of your employment, income, assets, financial liabilities and copies of documentation to verify this information including liability statements. It also includes information from third parties about your credit history.
Credit information: Refer to “Your credit information” below for the types of credit information that we collect.
Transaction information: This includes information about transactions that you have made using our products and services including funds drawn and payments made.
Socio-demographic information: This may include your marital status, age, gender, number of dependents, and occupation.
Interaction information: This includes details of your interactions with us, such as when you call or email us, use our online services, make an enquiry, provide feedback, or make a complaint.
Digital information: We collect information from you electronically when you use our online services including your location, IP address, and information about the electronic device you are using to access these services (for example the type of device and the browser).
Call recordings: On occasion, we monitor and record our calls with you. We will let you know if we are doing this.
Sensitive information: On occasion, we collect and handle sensitive information. This may include:
- health information (where this is a relevant consideration in your legal matter or managing a request in relation to your loan including a request for hardship relief due to illness)
- criminal history and political affiliation, where it is relevant to assessing your funding application or required to meet our regulatory and/or legal obligations
- biometric information (facial recognition), where this information is collected and used for the purpose of biometric identification.
Information about your personal circumstances: On occasion, we may ask you to provide information about your personal circumstances so we can assess your funding application or manage our relationship with you including significant life events (such as a marital separation or death in the family), information about family and domestic violence, any unexpected changes to your financial situation (such as losing a job), and details of injury, illness, gambling or addiction.
Publicly available information: On occasion, we may collect and handle information that is in the public domain, such as from public registers (including those kept by the Australian Securities and Investments Commission).

How do we use your information?

We use your information to deliver our products and services. We also use your information for other reasons, such as to better understand you, your needs, and to let you know about other products and services you might be interested in. Here is a list of the ways we may use your personal information.

Serving you as a client. We use your information to deliver our products and services including to:
- assess and process your applications for products and services
- administer and manage existing products or services you have with us, including registration of security interests
- manage our relationship with you
- improve our service to you and your experience with us
- communicate with you or your representatives about our products and services
- let you know about products and services that may be of interest to you
Improving our business. We use your information to improve the products and services we provide through activities such as:
- receiving and reviewing client feedback and assessing how you use our products and services
- testing and validating the effectiveness of products, services and system enhancements
- monitoring and reviewing call recordings, online chats and other business activity for quality assurance, training and compliance purposes.
- we may also use any information you provide through our online chat to improve our automated responses.
Managing our operations. We use your information to manage our operations including to:
- deliver our products and services
- make and manage client payments
- manage fees, charges and interest due on your products and services
- respond to complaints and seek to resolve them
Managing security, risk and crime prevention. We use your information to:
- prevent, detect and investigate suspicious or fraudulent activities
- support the management of our information security and network controls to prevent cyber-attacks, unauthorised access and other criminal or malicious activities.
- To comply with our legal obligations
To comply with the law, including our regulatory obligations, including to:
- confirm your identity
- screen applications and monitor accounts to identify criminal activity such as fraud, terrorist financing, bribery, corruption and money laundering
- investigate financial crime.
Managing our business. We use your information to run our business in an efficient and proper way. This includes managing our financial position, business capability and planning, testing systems and processes, as well as managing communications, corporate governance, and audit.
Artificial Intelligence. Sometimes we use your information, for example your transaction information, to train, develop, and deploy artificial intelligence models for purposes such as:
- respond to your enquiries about our products and services and record these interactions
- summarise your information and interactions with us, including your interactions on our online chat
- develop and improve products and services that better meet our customers’ needs and behaviours
- help us understand trends in client behaviour including how products and services are used
- collect personal information when we generate information about how you use and interact with our products and services
- communicate with you or your representatives about other products and services that may be of interest to you.
Performing analytics activities. Sometimes we combine information we have about you with other clients, for example transaction information, to:
- help us understand trends in client behaviour including how products and services are used
- improve the products and services we offer
- improve the quality of our data
- Improve the efficiency of our processes
- develop products and services that better meet our clients’ needs and behaviours
- understand and manage our risks better.
Sales or acquisitions. We may also use your personal information to support any changes to the ownership of products or services or the make-up of JustFund. For example, we may sell, transfer, or merge parts of our business, or bring other businesses into JustFund.
Determine your eligibility for credit. See Credit Reporting (below) for how we use your credit information.
We may also collect, use and share your information for other reasons where the law allows or requires us to.

Direct marketing

From time to time, we may also use and disclose your personal information for direct marketing purposes, including to tell you about our products and services or our partners’ products and services that we think may be of interest and value to you, but we will stop if you tell us to.

We may contact you by various means, including by mail, telephone, email, SMS or other electronic means (such as targeted advertising on social media and other media provider platforms).

We may use third party providers to facilitate direct marketing such as:

marketing companies or mail houses who send messages on our behalf; or
social media and other media providers who deliver our targeted advertising on their platforms.

If you do not want to receive direct marketing from us, you can opt-out by contacting us using the details in “Further Information”.

We may also use cookies and pixels (including third party tracking and social media cookies and pixels) to identify your interactions with our webpages and provide you with advertisements you may be interested in as you visit other webpages or platforms. Those third-party providers (e.g. Meta and Google) may be able to identify you. You can take steps to block or delete cookies on your browser. Choosing to delete or block cookies may not stop all types of online tracking technologies, and will not remove all advertising from JustFund on all the pages you visit.

Who do we share your information with?

We may share your information with third parties for the reasons mentioned in “How do we use your information?” above or where the law otherwise allows or requires us to. The types of third parties are listed below.

Other members of the JustFund Group. We may share your information between subsidiaries of JustFund to complete operational and compliance activities.
Authorised Third Parties. We may share information with third parties where you have authorised us to do so or where we are legally required (such as legal representatives, persons with Power of Attorney, or persons you have nominated to support you with your application or management of your loan)
Third Parties that can verify your information. This includes organisations that can verify information that you have supplied when applying for a product or service including commercially available third party databases and credit reporting bodies.
Our Service Partners. We may share your information with our service partners, external service providers and other organisations that help us to supply products and services. These include:

external service providers that we engage to do some of our work for us, for example mailing houses, legal service providers, technology cloud service providers, and providers of financial management software.
external technology service providers that support our artificial intelligence capabilities (such as Google).
organisations involved in our funding arrangements (like investors and advisors).
our bank, advisors, auditors, and insurers.
organisations that assist us to identify, investigate or prevent fraud or other misconduct.

Government and law enforcement agencies. We may share your information with regulatory bodies, government agencies, tax authorities and law enforcement bodies to comply with our legislative or regulatory obligations.

Sending information overseas: sometimes, we may send your information overseas, including to service providers or third parties who store data outside Australia. If we do this, we make sure there are appropriate privacy, data handling and security arrangements in place to protect your information.

Securing your information

Keeping your information safe

Our staff are trained in how to keep your information safe and secure. We use secure systems to hold your information and aim to only keep your information for as long as we need it. We do not store hard copy information and store electronic records in secure systems or by using trusted third parties. We use a range of physical, electronic and other security measures to protect the security, confidentiality and integrity of the personal information we hold about you.

We aim to keep personal information only for as long as we need it – for example for business or legal reasons. When we no longer need information, we take reasonable steps to destroy or de-identify it.

Your credit information

We collect credit information about you when you apply or use our credit related products or services. We may also collect credit information about you from credit reporting bodies (such as Illion).

What is credit information?

Credit information is personal information that is about credit that has been provided to you or that you have applied for. It can also cover information about you as a guarantor of a loan or as an insured party under a credit related insurance policy.

Types of credit-related information we collect, hold and disclose

We collect credit information directly from you when you apply for funding and from third parties, including credit reporting bodies. The types of credit information we collect and handle are set out below.

Consumer credit liability information. This is information about any accounts that you currently have open or may have had in the past. It includes the type of account, the open and/or close date, as well as the credit limit.
Repayment history. This includes a history of your repayments, including whether you have made payments when due, and if not, when overdue payments have been made.
Financial Hardship Information. This includes information about agreed financial hardship arrangements that you may have with other credit providers, both temporary and permanent. Financial hardship information will be recorded with the repayment history information.
Default information. Details of any defaults or serious credit infringements.
Public information. Public record information such as:
- court judgments
- directorship and business proprietorship details
- bankruptcy, debt agreement and personal insolvency.
Information about credit worthiness. Information about your credit worthiness such as credit scores, credit risk ratings, summaries and evaluations.

Why we collect and handle your credit information

When you apply to us for credit, we need to verify your financial position and want to avoid giving you further credit if this would put you in financial difficulty. We use credit information to:

assess your credit applications and your ability to manage credit
derive scores, ratings, summaries and evaluations relating to your credit worthiness which are used in our decision-making processes

How do we hold credit information?

We keep your credit information with your other information. In some cases, we may need to share some of your information with organisations outside Australia including as part of cloud storage arrangements.

Credit reporting bodies

If you apply for credit, we may collect or share your information with a credit reporting body. This information is used as part of our decision-making processes. When we request information about you from a credit reporting body (called a credit access enquiry) we make a soft enquiry that does not impact your credit score. We will need to share some of your personal information with them to generate the report.

Preventing identity fraud: If you think you have been, or could be, a victim of fraud you can ask the credit reporting body not to use or give anyone your credit information.

We collect from, and share information with Illion Australia Pty Ltd. For more information about how they handle credit reporting information they hold about you, please visit their website.

Accessing, updating and correcting your information

You can contact us and ask to view your information. For more detailed information, we may ask you to make a written request. If your information isn’t correct or needs updating, let us know straight away.

How can I access my information?

You can ask us for a copy of your information by contacting us on the details below. There is no fee to ask for your information, but sometimes we might charge a fee to cover the time we spend gathering the information you want. If there’s a fee, we’ll let you know how much it is likely to be, so you can choose if you want to go ahead.
We try to make your information available within 30 days after you ask us for it. In some cases, we can refuse access or only give you access to certain information. For example, we might not let you see information that involves other people. If we do this, we will write to you explaining our decision.

Can you correct or update your information?

It’s important that we have your correct details, such as your current home address, email address and phone number. You can check or update your information by contacting us on the details below. We’ll try to respond to your request within 30 days. If we can’t, we’ll let you know why it’s taking longer. If we don’t think the information needs correcting, we’ll write to let you know why. You can ask us to include a statement with the information that says you believe it is inaccurate, incomplete, misleading or out of date.

Further Information

Contact us

If you need more information, want to access or update your personal information or if you have a privacy concern, please contact us using the contact details below:

JustFund

Visit: www.justfund.com.au

Email: enquiries@justfund.com.au

Phone: 1300 644 980

Mail: JustFund, Level 13, 85 Castlereagh Street, Sydney NSW 2000

Making a privacy complaint

If you have a concern or complaint about how we have handled your personal information, let us know and we’ll try to fix it. If you’re not satisfied with how we respond to your complaint about how we’ve handled your personal information, there are other things you can do. To make a complaint, contact us using the contact details below.

JustFund

Visit: www.justfund.com.au

Email: complaints@justfund.com.au

Phone: 1300 644 980

Mail: JustFund, Level 13, 85 Castlereagh Street, Sydney NSW 2000

We’ll look into the issue and try to fix it straight away. If you’re not satisfied with our response after you’ve been through our internal complaints process, you can lodge a dispute through the Australian Financial Complaints Authority (AFCA), our external dispute resolution provider:

Australian Financial Complaints Authority
Visit: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

You can also contact the Office of the Australian Information Commissioner if your complaint is about your privacy or how we handled your credit information.

Office of the Australian Information Commissioner
Visit: oaic.gov.au
Email: enquiries@oaic.gov.au
Phone: 1300 363 992
Mail: GPO Box 5288, Sydney NSW 2001

Things you should know

Policy updated: 23 April 2026

During our relationship with you, we may tell you more about how we collect and handle your information – for example, when you fill in an application form.

You should always read this information carefully.

Sometimes we update our Statement. You can always find the most up-to-date version on our website.