Privacy Policy

Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) is committed to protecting your privacy and giving you a safe online experience. This Privacy Policy applies to all of the products, services and websites offered by Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) or its subsidiaries or affiliated companies. Sometimes, we may post product specific privacy notices or materials to explain our services and products in more detail. If you have any questions about this Privacy Policy, please feel free to contact us through our website.Last Updated: 21/03/2023

Advertising Cookie and OPT-OUT

When you are accessing the internet through a web browser, we may use cookies from Facebook, Google (and other advertisers) to improve your online experience, including the display of more relevant ads.

Anyone may opt-out of the Google cookie at any time by going to your Google Ad Settings. You may also opt-out of the Facebook cookie at any time by going to your Facebook Ad Settings.

Information We Collect and How We Use It

We may collect the following types of information:

Information you provide – When you sign up with or make a purchase from Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509), we ask you for personal information. We may combine the information you submit with information from other Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) services or third parties in order to provide you with a better experience and to improve the quality of our services. This won’t occur without your consent unless necessary for site security. This data is retained for as long as you have an active account with Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509).

Cookies – When you visit Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509), we send one or more cookies to your device. We use cookies to improve the quality of our service, including for storing user preferences, improving search results and ad selection, and tracking user trends, such as how people search. Dreamcatcher Finance (ABN 72 821 584 509) also uses cookies in its advertising services to help advertisers and publishers serve and manage ads across the web and on Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) services.

Log information – When you access the services of Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) via browser, application, or other clients, our servers automatically record certain information. These server logs may include information such as your web request, your interaction with a service, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser or your account.

Traffic information – When you access the services of Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) via browser, application, or other, clients we record certain information using our traffic analysis tool, Google Analytics. This information is stored in an anonymised manner but does include data such as your web request, your interaction with a service, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser or your account.

User communications – When you send an email or other communications to Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509), we may retain those communications in order to process your inquiries, respond to your requests and improve our services. When you send and receive SMS messages to or from one of our services that provides SMS functionality, we may collect and maintain information associated with those messages, such as the phone number, the wireless carrier associated with the phone number, the content of the message, and the date and time of the transaction. We may use your email address to communicate with you about our services or products but never to send you communications that are not related to your purchases or that you haven’t opted into.

Affiliated Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) services on other sites – We offer some of our services on or through other websites. Personal information that you provide to those sites may be sent to Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) in order to deliver the service. We process such information under this Privacy Policy.

Third Party Applications – Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) may make available third party applications, such as plugins, modules or extensions, through its services. The information collected by Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) when you enable a third party application is processed under this Privacy Policy. Information collected by the third party application provider is governed by their privacy policies.

Location data – Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) offers location-enabled services. If you use those services, Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) may receive information about your actual location (such as GPS signals sent by a mobile device) or information that can be used to approximate a location (such as a cell ID). This data is not recorded without your permission and is not held for any longer than the period required to deliver the specific service.

Other sites – This Privacy Policy applies to Dreamcatcher Finance (ABN 72 821 584 509)’s services only. We do not exercise control over the sites displayed as search results, sites that include Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) applications, products or services, or links from within our various services. These other sites may place their own cookies or other files on your computer, collect data or solicit personal information from you.

In addition to the above, we may use the information we collect to:

Provide, maintain, protect, and improve our services (including advertising services) and develop new services; and

Protect the rights or property of Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) or our users. This protection clause extends to ever individual or entity that engages with Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509). The use of all information and correspondence utilised does not extend beyond this privacy policy.

If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use. This can be requested in writing to ensure full disclosure has been provided about how your information is used.

Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) processes personal information on our servers in Australia. In some cases, we process personal information outside your own country.

Choices

You can use your account on the Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) website to review and control the information stored in your Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) account. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some of the Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) features and services may not function properly if your cookies are disabled.

Information Sharing

Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) only shares personal information with other companies or individuals outside of Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) in the following limited circumstances:

We have your consent. We require opt-in consent for the sharing of any sensitive personal information.

If we provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against harm to the rights, property or safety of Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509), its users or the public as required or permitted by law.

If Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will ensure the confidentiality of any personal information involved in such transactions and provide notice before personal information is transferred and becomes subject to a different privacy policy.

Information Security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data.

We restrict access to personal information to Dreamcatcher Finance (ABN 72 821 584 509) employees, contractors and agents who need to know that information in order to process it on our behalf. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution if they fail to meet these obligations.

Accessing And Updating Personal Information

When you use Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes.

We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may also remain in our backup systems for a period of time.

Enforcement

Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) regularly reviews its compliance with this Privacy Policy. When we receive formal written complaints, it is Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509)’s policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) and an individual.

Distribution of Information to Third Parties

If Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) intends to sell a lead via a third party source, the scope of this privacy policy extends to allow the following:

Use and exchange my customer data with other credit providers;
The information Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) may exchange with other credit providers and alternate service providers (such as credit file repair services, budgeting services and rental services) includes my application information held, identification details, existing financial commitments, how much has been borrowed, whether or not loan payment obligations have been met and if any serious credit infringement has been conducted in the past (for example, fraud).Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) may exchange and sell my customer data to other credit providers and alternate service providers who may use my customer data for any of the purposes for which the Lender can use it.

Use and exchange of customer data with third parties;
Where permitted by law or for any of the purposes mention above, Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) can exchange Customer Data with third parties including:

Service providers, for example credit providers, lenders, credit file repair services, budgeting services and rental services;

The provider of the market for the sale or distribution of customer data;

Those to whom Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) or any of the third parties outsources certain functions, for example direct marketing, statement production, debt recovery and information technology support;

Government and law enforcement agencies or regulators;

Credit reporting bodies and credit providers.

Upon engaging Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) for providing any brokerage services, this Privacy Policy extends its scope to disclose Personal Information to third parties including related entities, assignees and agents, or finance brokers, lenders, credit providers and alternate service providers (such as credit file repair services, budgeting services and rental services). Any prospect clientele engaging Dreamcatcher Oceania Pty Ltd (ABN 65 658 379 063) & Dreamcatcher Finance (ABN 72 821 584 509) has a right of access to, and correction of, Personal Information currently held and holds authority to be removed from any mailing or contact list used to provide ongoing marketing of products and services by Dreamcatcher Finance (ABN 72 821 584 509).

Changes To This Privacy Policy

Please note that this Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes).