This policy applies to users in Australia.

1. Who We Are

AU Business Lending is operated by Ulist Pty Ltd T/A Uleads Digital ("we", "us", "our"), a company registered in Australia. We operate a comparison and lead generation platform that connects individuals and businesses with relevant third-party providers across insurance, finance, and other verticals.

We operate across Australia. Australian privacy laws apply to how we handle your personal information. See Section 16 for your rights.

2. Definitions

• Service: The AU Business Lending website and platform operated by Ulist Pty Ltd T/A Uleads Digital.
• Personal Data / Personal Information: Any information relating to an identified or identifiable individual.
• Usage Data: Data collected automatically from your use of the Service.
• Cookies: Small files stored on your device to help us operate and improve our Service.
• Data Controller: The entity that determines the purposes and means of processing personal data.
• Data Processor / Service Provider: A third party that processes data on our behalf under our instructions.
• Lead: A record created when you submit an enquiry through our platform.
• Provider: A third-party company to whom we may pass your enquiry details.

3. Our Services

We provide services including:

• Connecting users with providers for quotes, consultations, or services
• Providing editorial content and comparisons
• Sending offers, insights, and updates
• Facilitating participation in surveys, promotions, or market research

4. How Our Services Work (IMPORTANT)

Our platform is designed to help you find relevant providers quickly. We use automated systems to score and prioritise leads and to match enquiries with providers.

If an automated decision has a legal or similarly significant effect on you, you have the right to request a human review, to obtain an explanation of the decision, and to contest the outcome. To request a review contact privacy@ausbusinesslending.com.au. We will acknowledge requests within 5 business days and respond substantively within 30 calendar days.

When you submit a form:

• You provide your details and requirements
• We assess your request (including automated processing where applicable)
• We match you with relevant third-party providers
• Your details are shared with those providers
• Providers may contact you directly by phone, email, SMS or messaging apps

5. What Personal Information We Collect

a) Information you provide

• Name, email address, phone number
• Address or postcode
• Product or service requirements
• Business name, type, and size (where applicable)
• Any additional information submitted relevant to the product or service

b) Automatically collected data

• IP address
• Device and browser information
• Usage behaviour and pages visited
• Cookies and tracking data

c) Additional data sources

• Marketing partners
• Data enrichment providers
• Publicly available data

d) Lead generation-specific data

• Partially completed form data
• Lead scoring and profiling data
• Disposition data

e) Call Recording

Some providers you are connected with may record calls for quality assurance, training, fraud prevention, and dispute resolution purposes.

6. How We Use Your Information

Core services

• Matching you with relevant providers
• Delivering quotes or recommendations

Lead distribution

• Sharing your details with providers so they can contact you

Verification and fraud prevention

• Ensuring submissions are genuine
• Preventing duplicate or fraudulent leads

Communications

• Responding to enquiries
• Customer support and feedback

Marketing and advertising

• Sending relevant offers
• Creating custom and lookalike audiences
• Measuring campaign performance

Service improvement

• Analytics and user behaviour insights
• Lead scoring and optimisation

7. Legal Basis for Processing

Our legal basis for processing depends on your region:

• Australia: We collect and use personal information where it is reasonably necessary for our functions (APP 3), where you would reasonably expect it, or where you have provided consent.

Processing Activity	Primary APPs (AU)	UK/GDPR Basis	Other Laws
Collecting form data	APP 3; APP 5; APP 1	Contract; Legitimate interests	Consumer law obligations
Sharing leads with third-party providers	APP 6; APP 1	Contract; Legitimate interests	Contract law; consumer protection
Marketing communications	APP 6; APP 5	Consent; Legitimate interests	Spam Act 2003
Automated matching and lead scoring	APP 1; APP 3; APP 6	Legitimate interests	OAIC guidance; ICO guidance
Fraud prevention and verification	APP 3; APP 6; APP 11	Legitimate interests; Legal obligation	Criminal law interfaces
Analytics and advertising	APP 6; APP 11; APP 1	Consent; Legitimate interests	Ad platform policies
Cross-border transfers	APP 8	Art. 46 UK GDPR safeguards	International transfer rules
Data subject rights	APP 12; APP 11	Art. 15-22 UK GDPR	OAIC
Backups and disaster recovery	APP 11; APP 1	Art. 32 UK GDPR	N/A

8. Contacting You (Calls, SMS, AI)

When you provide your contact details, we or the providers we connect you with may contact you via phone calls, SMS, messaging platforms, and email. You can opt out at any time by contacting us at privacy@ausbusinesslending.com.au.

9. Sharing Your Personal Information

a) Service providers

Hosting, CRM, analytics, data enrichment or validation partners.

b) Third-party providers

When you submit an enquiry, your data is shared with relevant providers who may contact you directly.

c) Advertising platforms

Google, Meta, TikTok. We may share pseudonymised data to measure campaign performance.

d) Business transactions

If Ulist Pty Ltd T/A Uleads Digital is involved in a merger or acquisition, your personal data may be transferred.

e) Law enforcement

We may disclose your data where required by law or to protect rights, property, or safety.

10. International Transfers

Your data may be transferred and processed outside your country of residence. We take appropriate steps to ensure your data is protected in accordance with applicable law. Contact privacy@ausbusinesslending.com.au for information about safeguards.

11. Data Retention

Data Type	Retention Period
Lead/enquiry data	Up to 4 years
Marketing contact data	Until opt-out or 12 months inactivity
Partial form data	24 hours (backups up to 30 days)
Research data	Up to 4 years
Web analytics data	Up to 26 months

12. Cookies and Tracking

We use cookies, event tracking technologies, and advertising identifiers. Cookie types include session, preference, security, and analytics cookies. You can manage cookie preferences through your browser settings.

13. Service Providers

We work with third-party service providers who process data on our behalf. Analytics: We use Google Analytics. You can opt out via the Google Analytics Opt-out Browser Add-on.

14. Security

We implement appropriate technical, organisational, and physical measures to protect your data, including encryption in transit and at rest, access controls, multi-factor authentication, and incident response procedures.

15. Children's Privacy

Our Service does not address anyone under the age of 18. If you believe your child has provided us with personal data, contact privacy@ausbusinesslending.com.au.

16. Your Rights by Region

Contact privacy@ausbusinesslending.com.au to exercise any of the rights below. We will acknowledge requests within 5 business days and respond within 30 calendar days.

17. Changes to This Policy

We may update this Privacy Policy periodically. The latest version will always be published at ausbusinesslending.com.au/privacy-policy with a revised effective date.

18. Contact Us

For any privacy-related queries or to exercise your rights:

• Email: privacy@ausbusinesslending.com.au
• Mail: Ulist Pty Ltd T/A Uleads Digital, Level 2/89 McLachlan St, Fortitude Valley QLD 4006, Queensland, Australia

We will acknowledge all requests within 5 business days and respond substantively within 30 calendar days.