Privacy policy

Novum Finance is an asset and equipment finance brokerage operated by Bradley Mangan, Credit Representative 570476, authorised under Australian Credit Licence 511803, held by Fintelligence, our aggregator. In this policy, "we", "us" and "our" mean Novum Finance.

When you enquire through this website we collect the information you give us: your name, phone number, email address if you provide one, the type of asset you are looking to finance, an indicative amount, and how long you have held an ABN.

If you decide to proceed with an application, we will need considerably more: identification, income and expense details, bank statements, ABN and business details, and details of the asset. We will explain what is needed and why before we ask for any of it.

Our website host also records standard technical information such as your IP address, browser type and the pages you visited. We do not use this to identify you personally.

This website uses the Meta pixel, a small piece of code provided by Meta Platforms (Facebook and Instagram). It records that a page was viewed and, if you submit an enquiry form, that an enquiry was made. It does this using cookies and similar technology, and the information is sent to Meta, who may match it to your Facebook or Instagram account if you have one.

We use it for two things: to measure whether our advertising is working, and to show our ads to people whose interests look similar to those of people who have already enquired. We do not upload your name, phone number or email address to Meta, and we do not use it to identify you on this site.

You can limit this. Meta's ad settings at accountscenter.facebook.com/ad_preferences control how your activity is used for advertising, and blocking third-party cookies in your browser, or using private browsing, will stop the pixel from recognising a returning visit. Doing any of this will not affect your ability to use this site or to enquire.

To respond to your enquiry, to assess which lenders on our panel are likely to suit your circumstances, to submit an application on your behalf if you ask us to, and to meet our obligations under the National Consumer Credit Protection Act and anti-money-laundering law.

If you enquire and do not proceed, we keep your details so we can follow up, unless you tell us not to.

Lenders and financiers on our panel, but only those we are considering for your deal, and only with your knowledge. Our aggregator and licensee, as required under our credit representative arrangement. Service providers who help us operate, for example our website host and email provider. Regulators, courts or law enforcement where we are legally required to.

Advertising platforms receive website activity data only, as described under "Cookies and website tracking" above.

We do not sell your information. We do not provide it to marketing lists.

We do not obtain a credit report at the enquiry stage. If you ask us to proceed with a formal application, a lender may obtain a credit report about you from a credit reporting body, and that lender's own privacy policy and credit reporting policy will apply. We will tell you before that happens.

Electronically, in software and email systems protected by passwords and multi-factor authentication where available. Some of these services store data on servers outside Australia. We take reasonable steps to protect your information from misuse, loss and unauthorised access, but no system is completely secure.

We keep records for as long as required by law, generally seven years for credit-related records, and destroy or de-identify them when we no longer need them.

You can ask us for a copy of the personal information we hold about you, and ask us to correct anything that is wrong. Email bradley@novumfinance.com.au or call 0461 541 612. We will respond within a reasonable period, normally 30 days. There is no charge for making a request.

If we send you anything promotional, every message will include a way to opt out, and we will act on it. You can also just tell us to stop and we will.

If you think we have mishandled your personal information, contact us first at bradley@novumfinance.com.au or 0461 541 612, and we will investigate and respond.

If you are not satisfied with our response, you can complain to our external dispute resolution scheme, or to the Office of the Australian Information Commissioner at oaic.gov.au.

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