User Data Deletion
Your right to data deletion under Australian Privacy Law
Your Right to Data Deletion
Under the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs), you have certain rights regarding your personal information held by Freedom Financing. This page explains how you can request the deletion of your personal data and what this process involves.
What Data Can Be Deleted
Information We Can Delete:
- Marketing Preferences: Email marketing lists and communication preferences
- Website Data: Cookies, browsing history, and website analytics data
- Non-Essential Contact Information: Secondary email addresses and phone numbers
- Optional Personal Details: Preferences, interests, and non-financial personal information
- Account Access: Login credentials and user account data
- Communication Logs: Non-essential email and phone conversation records
Information We Must Retain:
Legal and Regulatory Requirements
As an Australian Credit Licensee, we are required by law to retain certain information:
- Loan Applications: Credit applications and supporting documentation (7 years)
- Financial Records: Income verification, bank statements, asset documentation
- Identity Verification: Documents used to verify your identity
- Credit Assessments: Responsible lending assessments and decisions
- Compliance Records: Records required under NCCP Act and ASIC regulations
- Transaction Records: Records of financial services provided
- Dispute Records: Complaints and resolution documentation
How to Request Data Deletion
Step 1: Submit Your Request
You can request data deletion by:
Step 2: Identity Verification
To protect your privacy and prevent unauthorized deletion requests, we need to verify your identity. Please provide:
- Full name as provided to Freedom Financing
- Date of birth
- Email address or phone number associated with your account
- Recent interaction reference (loan application, quote reference, etc.)
Step 3: Review and Confirmation
Once we receive your request:
- Acknowledgment: We'll confirm receipt within 1 business day
- Assessment: We'll review what data can be legally deleted (5-10 business days)
- Report: We'll provide a detailed report of what will be deleted vs. retained
- Confirmation: You confirm you want to proceed with the deletion
- Deletion: We'll delete the eligible data and confirm completion
What to Expect
Timeline
- Day 1: Request acknowledgment
- Days 2-10: Data assessment
- Day 11: Deletion report provided
- Days 12-15: Data deletion (if confirmed)
- Day 16: Completion confirmation
After Deletion
- Marketing communications stopped
- Website tracking data removed
- Optional personal data deleted
- Account access disabled
- Written confirmation provided
Important Considerations
Impact on Future Services
Please Note:
- Deleting your data may affect our ability to provide future services
- You may need to resubmit information for new loan applications
- Previous service history and preferences will be lost
- We may not be able to offer personalized service recommendations
Exceptions to Deletion
We may decline deletion requests if:
- Legal or regulatory requirements mandate data retention
- Information is needed for ongoing legal proceedings
- Data is required for legitimate business operations
- Deletion would compromise the rights of other individuals
- Information is necessary for freedom of expression or information
Partial Deletion
In many cases, we can offer partial deletion where:
- Non-essential personal information is removed
- Marketing and communication preferences are deleted
- Required regulatory information is retained but isolated
- Access to deleted information is restricted to compliance purposes only
Alternative Options
Data Portability
Instead of deletion, you might consider:
- Data Export: Receive a copy of your personal data in a structured format
- Data Correction: Update or correct inaccurate information
- Marketing Opt-Out: Stop marketing communications while retaining your data
- Data Restriction: Limit how we use your data without full deletion
Request Your Data Export
If you'd like a copy of your data before deletion, we can provide:
- Personal information in PDF format
- Communication history summary
- Service history and interactions
- Preference and consent records
Contact Our Privacy Officer
For questions about data deletion or privacy matters:
Privacy Officer
Email:privacy@freedomfinancing.com.au
Phone:+61 423 216 340
Response Time: Within 30 days as required by law