5. Finder Group Privacy & Cookies Policy

5.1 About This Policy

Finder respects your privacy and takes the security of your personal information seriously. This Privacy & Cookies Policy ("Privacy Policy") explains:

what personal information we collect about you;
how we collect and hold that information;
why we collect, use and disclose that information;
how we handle direct marketing;
how we use cookies and similar technologies;
how we keep your personal information secure;
how you can access, correct or ask us to delete your information;
how you can make a privacy complaint; and
how you can contact us.

This Privacy Policy forms part of, and is incorporated by reference into, the Finder Terms of Service, which are found here. Capitalised terms not defined in this Privacy Policy have the meaning given in the Terms of Service.

5.2 Who We Are

The Online Platform is operated by Hive Empire Pty Ltd (ABN 18 118 785 121), trading as finder.com.au, with its registered office at Level 10, 99 York Street, Sydney NSW 2000 ("Finder").

Finder is part of the Finder Group of companies. In this Privacy Policy:

"Finder Affiliates" includes Finder Ventures Pty Ltd (ABN 82 624 472 064), which designs and owns the Finder App;
Finder and the Finder Affiliates are referred to as "we", "us" or "our"; and
users of the Online Platform and holders of Finder Accounts are referred to as "you" or "your".

5.3 What Information We Collect

Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable. The personal information we collect includes:

Account information — your name, date of birth, email address, postal address, telephone number, and Finder member details.
Identity verification information — government-issued identity document details (for example, driver's licence or passport) where we are required to verify your identity to provide a Service (in particular, the Credit Score Service).
Login information — if you register or sign in using your Google or Apple account, we receive your first name, last name and email address from Google or Apple in accordance with your permissions. If you already have a Finder Account with the same email address, your existing Finder Account may be linked with your Google or Apple login. If you use "Sign in with Apple", you may choose to hide your email address from us; Apple will provide us with a random email address linked to your Finder Account. You can unlink your Google login in your Google Account "Linked Accounts" page, or your Apple login in your Apple ID "Sign in with Apple" or "Apps Using Apple ID" settings. You can also request us to update the email address linked to your Finder Account by contacting our support team.
Service information — information you provide when you use our Services, including transaction information, payment information, and any information you provide when communicating with us or making a complaint.
Credit information — where you use the Credit Score Service, credit-related information about you that we obtain from the Credit Reporting Body (with your consent) or that you provide to us. This information includes your credit score, credit report, and information about the credit products you hold (such as home loans, credit cards and personal loans). We use this information to provide you with the Credit Score Service, including credit monitoring, personalised insights, and to power your My Products dashboard so we can identify deals that may be better than your current products.
Communications — information gathered through webforms, email, live chat, telephone, or other means of communication between you and us.
Indirect information — information collected on your behalf from a third party where you have authorised us to do so.
Device and technical information — information collected from your browser and device when you access the Online Platform, including IP address, general location, search terms, device description and operating system, browsing times and dates, page view statistics, referring URL and web log information.
Cookie information — information collected through cookies and similar technologies (see section 5.10).
Other sources — information from third parties used to verify your identity, publicly available information, and credit-related information lawfully available to us.

5.4 How We Collect Personal Information

We collect personal information in the following ways:

directly from you — when you register a Finder Account, submit a webform, contact us by email, telephone or live chat, or otherwise interact with our Services;
automatically — through cookies, similar tracking technologies, and analytics tools when you use the Online Platform;
from third parties — including identity verification providers, credit reporting bodies (with your consent), publicly available sources, other users where you interact through the Online Platform, and providers of services to Finder such as analytics and marketing platforms; and
through linked accounts — via Google or Apple where you have chosen to sign in with those services.

We only collect personal information that is reasonably necessary for, or directly related to, our functions or activities, and we collect it by lawful and fair means.

5.5 Sensitive Information

We do not generally collect sensitive information (as defined in the Privacy Act 1988 (Cth)) about you. Where we need to collect sensitive information to provide a Service to you, we will do so only with your consent.

5.6 Why We Use Your Personal Information

We use your personal information for the following purposes:

to provide our Services to you, including account management, personalisation of your experience, and processing transactions;
to verify your identity where required by law or to provide a Service;
to communicate with you, including responding to enquiries, providing customer support, and providing service and security notifications;
to send you direct marketing communications, where you have consented (see section 5.7);
to conduct research, analytics and business improvement, including using anonymised and aggregated information;
to detect, investigate and prevent fraud, security incidents and other unlawful activity;
to comply with our legal, regulatory and industry code obligations;
to enforce our Terms of Service and other agreements;
in connection with a corporate transaction (such as a merger, acquisition, restructure or sale of assets) or if we or any of our Affiliates become insolvent; and
to power your My Products dashboard, including (where you have used the Credit Score Service and confirmed the use) using credit report data to identify the products you currently hold and monitor for better deals available in Finder's comparison range.

We retain personal information for as long as we need it for these purposes or as required by law. When we no longer need it, we take reasonable steps to de-identify or destroy it.

5.7 Direct Marketing

Where you have consented, we may send you information about our own products and Services, and about products and Services of our Partners.

How marketing consent works

By email — where you consent to receiving marketing emails from us, your consent operates until you withdraw it. You can withdraw at any time by clicking the unsubscribe link in any marketing email or by contacting privacy@finder.com. We will action unsubscribe requests within the timeframe required by the Spam Act 2003 (Cth).
By phone or by any other real-time or interactive communication (including SMS) about a financial product or credit product — where you consent to being contacted by phone or by real-time interactive communication about a financial product or credit product, your consent operates for the period you have specified, and if you have not specified a period, for 6 weeks from the date consent is given (in accordance with section 992A of the Corporations Act 2001 (Cth) and section 124 of the National Consumer Credit Protection Act 2009 (Cth)). You can renew your consent by giving it again, and you can withdraw at any time by contacting privacy@finder.com or by asking to be removed during the call.
By post — where you consent to receiving marketing communications by post, your consent operates until you withdraw it.

Opting out does not affect essential communications

Opting out of direct marketing does not affect our ability to send you essential communications relating to your Finder Account, security or the operation of the Services (for example, security alerts, transaction confirmations and legal notices). Opting out of direct marketing does not affect your right to continue using the Services.

If you do not wish to receive any direct marketing from us, please contact privacy@finder.com.

We may share your personal information with:

other companies in the Finder Group, for the purposes set out in section 5.6;
our Partners, where you have submitted a quote or enquiry through the Comparison Service and consented to that disclosure;
service providers who assist us with hosting, IT infrastructure, identity verification, credit reporting, payment processing, analytics, marketing and customer support;
credit reporting bodies, where you have consented to your credit information being obtained (in particular, in relation to the Credit Score Service);
law enforcement and regulatory authorities, where required or authorised by law;
our professional advisers (including lawyers, auditors and insurers), where reasonably necessary; and
any acquirer or investor in connection with a corporate transaction, subject to appropriate confidentiality protections.

We do not sell your personal information.

5.9 Overseas Disclosure

We use service providers based outside Australia, including in the United States, the European Union, the United Kingdom and Singapore. As a result, your personal information may be transferred to, stored in or accessed from those countries.

Before disclosing personal information to an overseas recipient, we take reasonable steps to ensure the overseas recipient handles that information in a way that is consistent with the Australian Privacy Principles, in accordance with Australian Privacy Principle 8 (Privacy Act 1988 (Cth)).

5.10 Cookies, Analytics and Advertising Technologies

Cookies

We use cookies and similar technologies (such as pixels, tags and local storage) when you use the Online Platform. Cookies help us to recognise you across sessions, remember your preferences, personalise your experience, measure the effectiveness of our Services and marketing, and detect and prevent fraud.

Categories of cookies we use include:

essential cookies — required for the Online Platform to function and cannot be disabled;
functional cookies — remember your preferences and settings;
analytics cookies — help us understand how the Online Platform is used; and
advertising cookies — enable us and our advertising partners to deliver and measure relevant advertising to you.

You can manage cookies through your browser settings. Most browsers allow you to accept, decline or delete cookies. If you disable cookies, some parts of the Online Platform may not function properly. For details, refer to your browser's help documentation.

Google Analytics and Google Signals

We use Google Analytics (including Google Signals) to help us understand how you use the Online Platform. Google Analytics collects information such as your browser and device information, session information, real-time information, conversion information, advertising and acquisition data, and (where you have opted in to ads personalisation on your Google account) aggregated and anonymised demographic and interest-based data. Google may assign a unique identifier ("Google ID") to your browser cookie to enable this analysis.

We use this information to:

tailor the Online Platform and Services to your preferences;
understand our users' journeys across devices;
create more effective marketing and remarketing campaigns;
measure and improve our conversion rate; and
benchmark the Online Platform's performance.

You can control ads personalisation in your Google account "My Ad Centre", and you can opt out of Google Analytics tracking by installing the Google Analytics opt-out browser add-on. Click here to learn more about how Google handles your data.

Third-party advertising

We may use information we hold about you to show you relevant advertising on third-party sites (for example, Facebook or Google). If you do not want to see targeted advertising from Finder on a particular third-party site, most such sites allow you to opt out in your account settings on that site.

Third-party websites

The Online Platform may contain links to websites operated by third parties, and may display advertisements by independent third parties. These third parties have their own privacy policies and may use their own cookies. We are not responsible for the privacy practices of third-party websites. Please review their privacy policies before providing any personal information.

5.11 Security and Data Breaches

We take reasonable steps to protect the personal information we hold from misuse, interference and loss, and from unauthorised access, modification or disclosure. Our security measures include data encryption, access controls (both physical and logical), firewalls and staff training.

If we become aware of a data breach that is likely to result in serious harm to any individual whose personal information is involved, we will notify affected individuals and the Office of the Australian Information Commissioner in accordance with the Notifiable Data Breaches scheme in Part IIIC of the Privacy Act 1988 (Cth).

If you believe your Finder Account has been compromised, please email help-au@finder.com immediately.

5.12 Access, Correction and Retention

You can ask us for access to the personal information we hold about you, or ask us to correct that information. To make a request, email privacy@finder.com.

We will:

respond to your request within 30 days;
verify your identity before providing access to or correcting your information;
give you access to your information unless we are permitted or required by law to refuse;
if we agree to correct your information, take reasonable steps to correct it and — where we have disclosed the incorrect information to a third party — notify them of the correction if you request; and
if we refuse your request, notify you in writing of the reasons.

If we refuse to correct your information, you may request that we associate a statement with the information noting that you believe it is inaccurate and why.

We retain personal information for as long as we need it for the purposes in this Privacy Policy or as required by law. When we no longer need it, we take reasonable steps to de-identify or destroy it.

5.13 Anonymity and Pseudonymity

Where practicable, you may interact with us anonymously or using a pseudonym. However, if we do not have enough personal information about you, we may not be able to provide a Service to you.

5.14 How to Make a Complaint

If you believe we have not handled your personal information in accordance with this Privacy Policy or the Privacy Act 1988 (Cth), please contact us at privacy@finder.com or by post at the address in section 5.16.

We will acknowledge your complaint promptly and respond within 30 days. A complaint will be handled by a person more senior than any person the complaint relates to.

If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) on 1300 363 992 or at www.oaic.gov.au.

5.15 Changes to This Policy

We may update this Privacy Policy from time to time by publishing the updated version on the Online Platform. Changes will take effect 30 days after publication. We may also notify you of material changes by email or through the Online Platform.

5.16 Contact Us

For any questions or requests about your privacy, please contact:

Privacy Team
Finder Group
Level 10, 99 York Street
Sydney NSW 2000

Email: privacy@finder.com

Date: 12 August 2026

Thank you for your feedback!

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