Privacy Policy

1. Introduction

onebank (“onebank”, “we”, “us”, or “our”) is committed to protecting your privacy and handling personal information in a transparent and secure manner.

This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you visit our website, use our services, or interact with our AI-powered loan origination and decisioning platform (the “Services”).

We comply with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. Who this policy applies to

This Privacy Policy applies to:

• Visitors to the onebank website

• Lenders, brokers, fintechs, and their authorised users

• Individuals whose information is processed through our platform (e.g. borrowers), where applicable

In some cases, onebank acts as a data processor on behalf of our customers, who remain the data controller of borrower information.

3. Information we collect

3.1 Information you provide directly

We may collect personal information that you voluntarily provide, including:

• Name

• Email address

• Phone number

• Company name and role

• Enquiry details or messages

• Information submitted via contact forms, demos, or onboarding

3.2 Information processed through the platform

When customers use our Services, we may process information such as:

• Borrower-provided application data

• Financial or employment information

• Supporting documents uploaded to the platform

• Interaction data with AI agents

This information is processed solely on the instructions of our customers and in accordance with applicable agreements.

3.3 Automatically collected information

We may collect limited technical data such as:

• IP address

• Browser type and device information

• Pages visited and usage patterns

• Cookies and similar technologies

This information is used for security, analytics, and service improvement.

4. How we use personal information

We use personal information to:

• Provide and operate the Services

• Respond to enquiries and support requests

• Improve platform performance and user experience

• Maintain security, compliance, and auditability

• Communicate updates or relevant information (where permitted)

• Meet legal and regulatory obligations

We do not sell personal information.

5. AI and automated processing

onebank uses AI agents to assist with tasks such as:

• Customer intake and qualification

• Information extraction and summarisation

• Credit preparation and decision support

AI outputs are designed to support, not replace, human decision-making.
Final lending decisions remain the responsibility of our customers.

6. Disclosure of information

We may disclose personal information to:

• Customers who control the data

• Trusted service providers (e.g. hosting, analytics, infrastructure)

• Professional advisers (legal, accounting)

• Regulators or authorities where required by law

We require third parties to handle information securely and only for authorised purposes.

7. Data storage and security

We take reasonable technical and organisational measures to protect personal information, including:

• Encryption in transit and at rest (where applicable)

• Access controls and authentication

• Secure cloud infrastructure

• Monitoring and audit logs

While no system is completely secure, we work to minimise risks of unauthorised access, loss, or misuse.

8. Overseas data transfers

Some service providers may store or process data outside Australia.
Where this occurs, we take reasonable steps to ensure overseas recipients comply with privacy standards consistent with Australian law.

9. Data retention

We retain personal information only for as long as necessary to:

• Provide the Services

• Meet contractual obligations

• Comply with legal and regulatory requirements

Data may be deleted or anonymised once no longer required.

10. Your rights

Depending on your relationship with onebank, you may have the right to:

• Request access to personal information

• Request correction of inaccurate information

• Make a privacy complaint

Requests can be made using the contact details below.

11. Cookies

We use cookies and similar technologies to:

• Operate the website

• Analyse usage and performance

• Improve user experience

You can manage cookie preferences through your browser settings.

12. Third-party links

Our website may contain links to third-party websites.
We are not responsible for the privacy practices of those sites.

13. Changes to this policy

We may update this Privacy Policy from time to time.
The latest version will always be available on our website.

14. Contact us

If you have questions or concerns about this Privacy Policy or how we handle personal information, please contact:

Email: contact@onebank.com.au
Entity: onebank Australia

onebank provides technology services only and does not provide credit or financial advice.