Privacy Policy – OptiCheck SmartMatch™

Last updated: 10 November 2025

Welcome to OptiCheck. Your privacy is important to us, and we’re committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains what information we collect, how we use it, and the choices you have. By using our website (https://www.opticheck.au) and services, you agree to the practices described here.

1. What We Collect

You can browse much of our site without giving us personal information. However, when you engage with our finance-matching services, we may collect:

Contact Details – Name, email, and phone number.

Personal Information – Address, state, or region.

Business Details – ABN, business name, type, or size.

Finance Information – Loan needs, purpose, or other broker-matching info.

Technical Data – IP address, browser type, device, site usage data.

Location Info – If enabled by your device settings.

Providing this information is optional, but some features may not be available without it.

2. How We Use Your Information

We use your personal information to:

Connect you with verified finance brokers.

Provide and manage your access to our SmartMatch™ services.

Respond to your enquiries and provide customer support.

Process broker referrals or finance-related requests.

Show you relevant promotions (with your consent).

Improve our platform, services, and user experience.

Comply with legal and regulatory requirements.

Our legal basis for processing may include your consent, a contract with you, legal obligations, or our legitimate business interests.

3. Who We Share Your Information With

We may share your information with:

Verified finance brokers or partners to help you find finance solutions.

Service providers who help run our site, systems, or ads.

Professional advisers (e.g. legal or compliance).

Regulators or authorities if legally required.

Buyers/investors if we sell or restructure the business.

We never sell your personal information. We may use anonymised or aggregated data (not identifiable) for business insights or research.

All data sharing is done securely and in accordance with the Privacy Act.

4. How Long We Keep Your Data

We keep your personal information only as long as needed for our services and to meet legal or compliance obligations — usually up to 60 months, unless required otherwise by law.

5. Storage and Transfers

Your data is stored securely within Australia. If we use international cloud providers, we ensure appropriate safeguards (like contracts and security standards) are in place to protect your privacy.

6. Cookies and Tracking

We use cookies and similar technologies to:

Improve our website’s performance.

Understand how people use our site.

Deliver personalised offers or ads.

You can manage cookies via your browser settings, but some features may not work properly if disabled.

7. Marketing and Promotions

We may send you promotional messages from us or trusted partners only if:

You’ve given us consent; or

It’s allowed under privacy laws.

You can opt out at any time by following the unsubscribe link or contacting us.

8. Security Measures

We take data security seriously. Our safeguards include technical, administrative, and physical controls to protect your information. While no system is 100% secure, we regularly review and improve our protections.

9. Data Breaches

If a data breach occurs that is likely to cause harm, we’ll:

Investigate and respond quickly.

Notify affected individuals, where required.

Comply with the Notifiable Data Breaches scheme.

10. Your Rights

Under Australian law, you can:

Access the personal information we hold about you.

Request a correction if anything is wrong or outdated.

Ask us to delete or limit use of your data.

Withdraw consent to marketing.

Lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

To exercise any of these rights, please contact us (see Section 12).

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will appear on this page, with the updated date shown above. Significant changes will be highlighted clearly on our site or via email.

12. Contact Us

For any questions or concerns about this Privacy Policy or how we handle your data, please contact:

Important Disclosures:

Your actual interest rate depends on factors like loan type, asset age, and application details. The Comparison Rate example is based on a $30,000 secured loan over 5 years and may not reflect all fees or conditions.

OptiCheck is a marketing platform, not a lender.

We connect you with verified Australian finance brokers who handle your application, assessment, and final loan agreements.