Privacy and credit reporting policy

Last updated October 2026

This policy explains how D C Money Pty Ltd ACN 633 694 729, trading as Fortis Funding (Australian Credit Licence 518978, 'we', 'us'), collects, uses, shares and protects personal information and credit information. We're bound by the Privacy Act 1988, the Australian Privacy Principles and the Privacy (Credit Reporting) Code.

The short version

• We collect what we need to find you finance, and nothing more.
• We check your credit with Equifax only with your OK. Before you apply, it's a soft check that doesn't affect your credit score.
• We share your details with lenders only when you agree to apply.
• Your licence photos are stored securely in our customer system, never emailed, and seen only by our team.
• You can see, correct or ask questions about your information at any time.

What we collect

• Contact and identity details: name, phone, email, address, date of birth, driver's licence details and licence photos.
• Financial details: employment, income, expenses, assets, debts, bank statements, and ABN and business details if you're self-employed.
• Credit information: your credit report and score from a credit reporting body, and information from lenders about your applications and accounts.
• About the finance you want: the vehicle or asset, amount and purpose.
• Records of our contact with you: call recordings and transcripts, texts and emails.
• Website information: pages you visit and how you found us, using cookies and analytics tools.

We collect it from you, from credit reporting bodies and lenders (with your consent), from people who refer you to us (such as a car dealer you've asked to pass on your details), and from public sources such as the ABN register.

Why we collect it

To find consumer or business finance for you (or for a company you're a director of), make our preliminary assessment, apply for finance and any insurance you'd like, manage your application, support guarantor applications, meet our legal obligations (including responsible lending and record keeping), and improve our service. If we don't have the information we need, we may not be able to help you.

Who we share it with

• Lenders on our panel and insurers, when you agree to apply.
• Credit reporting bodies (we use the Equifax Group).
• Guarantors and other parties where reasonably needed to get you finance.
• Businesses that help us run our service: lawyers, document storage, printing, phone, messaging, CRM, software and AI providers.
• Our related business Fortis Motor Group, if you're buying a car from them, or to tell you about their products unless you've opted out.
• Anyone who acquires an interest in our business, or where the law requires or allows.

We don't sell your information.

Marketing

We may tell you about products or services from us or our related businesses. You can opt out at any time by replying STOP, using the unsubscribe link or telling us.

Technology, automation and AI

Calls may be recorded and transcribed so we keep accurate notes. We use an automated assistant to follow up by text or phone, send forms and collect details for your application, and it always tells you it's automated. We may use AI tools on call transcripts and messages to improve our service. Where practical we remove details that identify you, and we never use credit reports for this.

Your answers (such as employment and income) help us work out the best time for a broker to contact you. No decision about your finance is made automatically: a licensed broker makes all decisions about your finance. You can ask to speak with a person, or opt out of call recording and automated follow-up, at any time.

Overseas storage

Some of our service providers, such as our phone, messaging, CRM and software providers, may store or process information outside Australia, including in the United States. We take reasonable steps to make sure it's protected in line with Australian privacy law. Current providers include our customer management system (HubSpot) and our phone and messaging provider (Aircall). Contact our Privacy Officer for the full list and where each one stores information.

How we protect it

We use access controls, two-factor sign-in where available, and encryption. Driver's licence photos uploaded through our website are sent over an encrypted connection straight into our customer management system (HubSpot), where they're stored as private files that only signed-in Fortis Funding staff can open. They're never sent by email, and the copy on our website is removed as soon as the transfer is complete. We keep your licence details with your file so we can verify your identity and apply for finance, and for as long as the law requires us to keep identification records. We keep other records only as long as we need them or the law requires (generally 7 years for credit records), then securely destroy or de-identify them.

Credit reporting

This section is our credit reporting policy.

What we do. With your consent, we ask the Equifax Group for your credit report on your behalf, to work out which lenders may suit you. Before you apply, this is a soft check: it doesn't affect your credit score and lenders can't see it. We don't give your credit report to lenders. When you apply, the lender does its own credit check, which is recorded on your credit file.

What credit information we may hold. Identification details, credit enquiries, the types and amounts of credit you hold, repayment history, defaults, court judgments, insolvency information, and credit scores, plus our own assessment based on it.

Who we share it with. We don't disclose credit reports to lenders. We may share our assessment and the information you've given us with lenders when you agree to apply. We don't usually send credit information overseas.

The credit reporting body we use. The Equifax Group, equifax.com.au/privacy. Its policy explains how it handles your information.

Your rights with credit reporting bodies. You can ask a credit reporting body for a free copy of your credit report, ask it not to use your information for marketing pre-screening, and ask it not to release your information for 21 days (a "ban period") if you believe you're a victim of fraud.

Seeing and correcting your information

You can ask for the information we hold about you, or ask us to correct it, at any time. We'll respond within 30 days. Access is usually free, but a reasonable fee may apply in some cases. If we can't give you access or make a correction, we'll tell you why in writing.

Questions and complaints

Contact our Privacy Officer at info@fortisfunding.com.au, on 1300 303 987, or at 14 Edgecombe Court, Moorabbin VIC 3189. We'll acknowledge your complaint within 7 days and aim to resolve it within 30 days.

If you're not happy with our response, you can contact the Australian Financial Complaints Authority (AFCA): afca.org.au, 1800 931 678, info@afca.org.au, GPO Box 3, Melbourne VIC 3001. You can also contact the Office of the Australian Information Commissioner: oaic.gov.au, 1300 363 992.