Privacy Policy

Last updated: 14 October 2026

Janai Financial is a trading name of JANAI BY DESIGN PTY LTD. James Janai is Credit Representative 580083 of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384 704). In this policy, we, us and our mean Janai Financial. We are bound by the Privacy Act 1988 (Cth), including the Australian Privacy Principles, and by the credit reporting provisions of that Act and the Credit Reporting Privacy Code.

1. The information we collect

To arrange and assist with credit we may collect:

• identity and contact details, such as your name, date of birth, address, phone and email;
• identification documents, such as a driver licence or passport;
• employment, business and income details;
• your assets, liabilities, expenses and living arrangements;
• loan, account and transaction statements and other financial documents;
• credit information, including credit reports and repayment history; and
• details about how you use our website, including through cookies and analytics tools.

2. How we collect it

We collect information directly from you and from people you authorise, including:

• enquiry, eligibility and application forms on this website;
• our online chat and voice assistants, which record what you tell them;
• lead forms you complete on Facebook or Instagram, which Meta passes to us. Meta handles your information under its own privacy policy before it reaches us;
• phone calls, emails, text messages and meetings;
• lenders, credit reporting bodies, employers, accountants and identity verification services, with your consent where required.

3. Why we collect and use it

• to assess your needs and objectives and to provide credit assistance;
• to submit loan applications to lenders on your behalf;
• to verify your identity and meet our legal obligations, including under the National Consumer Credit Protection Act 2009, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and responsible lending laws;
• to contact you about your enquiry or application;
• to manage our business, including record keeping, complaints and service improvement;
• to tell you about products and services that may interest you. You can opt out at any time.

4. Who we share it with

We may disclose your information to:

• lenders, mortgage insurers and their service providers;
• Finsure Finance & Insurance Pty Ltd, our credit licensee and aggregator, and its related service providers;
• credit reporting bodies, where you have agreed to a credit check;
• valuers, conveyancers, accountants and other professionals involved in your application;
• identity verification, document signing, customer management and technology providers who help us run our business;
• regulators, dispute resolution bodies and law enforcement where required or authorised by law.

Some of our service providers, including cloud and software providers, may store or process information outside Australia. We take reasonable steps to make sure they protect your information. We do not sell your personal information.

5. Credit-related information

When we assist with credit we may obtain and hold credit information about you, including credit reports from credit reporting bodies, and information a lender provides to us. We use it only to assess and arrange credit and as the law allows. You can ask a credit reporting body not to use or disclose your credit information if you believe you have been, or are likely to be, a victim of fraud.

6. Security and how long we keep it

We store information electronically and in secure systems, and we limit access to people who need it. We take reasonable steps to protect it from misuse, loss and unauthorised access. We keep records for as long as the law requires, which is generally seven years, and then securely destroy or de-identify them.

7. Cookies and website analytics

Our website may use cookies and similar technologies to make the site work and to understand how it is used. You can change your browser settings to refuse cookies, but parts of the site may not work as intended.

8. Marketing

We may send you information about our services by email, text message or phone. You can opt out at any time by using the unsubscribe option in a message or by contacting us. Opting out of marketing does not stop messages about an application in progress.

9. Access and correction

You can ask to access or correct the personal information we hold about you by contacting us. We will respond within a reasonable time. In limited cases the law allows us to refuse access, and if we do we will tell you why.

10. Complaints

If you have a privacy concern, contact us first and we will investigate and reply promptly. If you are not satisfied you can contact:

• Finsure Finance & Insurance Pty Ltd, our credit licensee;
• the Australian Financial Complaints Authority (AFCA): 1800 931 678, www.afca.org.au;
• the Office of the Australian Information Commissioner (OAIC): 1300 363 992, www.oaic.gov.au.

11. Contact us

Janai Financial, Credit Representative 580083 of Finsure Finance & Insurance Pty Ltd, ACL 384 704. Email james@janaifinancial.com.au or use the contact page on this website.

12. Changes to this policy

We may update this policy from time to time. The current version is always available on this page.