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Campaign Flow | Style Flow
1. 1. Welcome to a better way to finance real estate transactions for smart property professionals.
    
    If you’re a real estate agent or property stylist, Real Flow empowers you to take control of your cash flow and improve your customer’s experience with same day approval and access to funding within 24 hours
    
    Set up your free account in just a few clicks
    
    Even if you don’t have an immediate need to access finance for your clients, having a free account set up will mean you’re ready to go when you and your clients need it.
    
    This way, you can streamline and secure finance conveniently.
    
    Account activation is a simple process. It only takes a few minutes to complete the online partner agreement.
    
    Once you’re all set up, you can log in anytime for a secure and convenient funding experience for all of your real estate projects.
    
    If you need assistance with your application or have any questions, feel free to contact our Real Flow team on 1300 665 136 – we’re here to help you.
  2. View ApplyEasy Privacy Policy
    
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    ApplyEasy Privacy Policy
    
    CreditorWatch Privacy Policy
    CreditorWatch Pty Limited ACN (144 644 244) (“CreditorWatch” or “we”, “our” or “us”) is bound by the Privacy Act 1988 (as amended) (“Privacy Act”), including the Australian Privacy Principles. This Privacy Policy sets out how we treat the personal information that we collect, use and disclose and our procedures regarding the handling of personal and sensitive information, including the collection, use, disclosure and storage of information, as well as the right of individuals to access and correct that information.
    From time to time, we may revise or update this Privacy Policy or our information handling practices. If we do so, the revised Privacy Policy will be published on our website www.creditorwatch.com.au
    CreditorWatch may collect personal information in order to conduct our business, to provide and market our services and to meet our legal obligations. By using our website or our services, or by providing any personal information to us, you consent to the collection, use and disclosure of your personal information as set out in this Privacy Policy.
    
    The types of personal information we collect and hold
    The types of personal information we may collect and hold includes (but is not limited to) personal information about:
    
    clients, business associates and potential clients and their employees;
    suppliers and their employees; and
    prospective employees and contractors.
    Personal information that we collect and may hold include:
    
    your name, address, contact telephone number and other contact details such as your email address;
    payment information (such as credit card or bank details);
    other personal information required to provide our services in specific cases, for example, certain information to complete police checks and property transactions, if relevant; and
    details of your use of our products or services.
    You are not obliged to provide personal information to CreditorWatch. However in many cases, if you do not provide your personal information to us, we may not be able to supply the relevant product or service that you have requested from us.
    In some circumstances, you may provide to us, and we may collect from you, personal information of a third party. Where you provide the personal information of a third party, you must ensure that the third party is aware of this Privacy Policy, understands it and agrees to accept it.
    If it is necessary to provide specific services to you, we may collect sensitive information about you. Under the Privacy Act, “sensitive information” includes but is not limited to information or an opinion about an individual’s racial or ethnic origin, religious belief, or criminal record and also includes health information about an individual. However, we will only collect sensitive information from you if you agree to provide it to us, you authorise us to obtain it from a third party or where the collection of the information is required or authorised by or under an Australian law or a Court/Tribunal order or otherwise where the collection is not prohibited under the Privacy Act. We will only use sensitive information in accordance with the Privacy Act and for the purpose for which it is provided.
    
    How personal information is collected and held by us
    We collect personal information in the following ways:
    
    when you fill in and return to us a signed client form;
    when you submit personal information through our website (such as when you send us a message or fill out a form);
    in person, for example, when you engage with our HelpDesk;
    when you connect to a third party or connect to our services via a third party, for example, an integration partner; and
    in the course of providing services to you.
    We may also collect information about you from third party suppliers and government database services.
    We store personal information in computer storage facilities and paper-based files. We take steps to protect your personal information against loss, unauthorised access, use modification or disclosure. Some examples of the steps we take to protect your personal information include:
    
    ensuring there are suitable password protection measures and access privileges in place to monitor and control access to our IT systems;
    imposing restrictions on physical access to paper files;
    requiring any third parties engaged by CreditorWatch to provide appropriate assurances to handle your personal information in a manner consistent with the Privacy Act; and
    taking reasonable steps to destroy or de-identify personal information after we no longer need it for our business or to comply with the law.
    
    Collection of personal information through website activity
    Information that may identify you as a user may be gathered during your access with our website.
    Our website includes pages that use ‘cookies’. A cookie is a unique identification number that allows the server to identify and interact more effectively with your computer. The cookie assists us in identifying what our users find interesting on our website.
    A cookie will be allocated each time you use our website. The cookie does not identify you as an individual in our data collection process, however it does identify your Internet Service Provider.
    You can configure your web browser to refuse cookies. If you do so, you may not be able to use all or part of our website.
    
    Adoption, use and disclosure of government related identifiers
    CreditorWatch, or its related body corporates in the ATI Group, may collect some personal information that is a government related identifier.
    Personal information from identity documents may be provided to the document issuer or official record holder via third party systems for the purpose of confirming your identity, for example, the Australian Government’s Document Verification Service (DVS). Where CreditorWatch does collect government related identifiers, they are maintained on a separate database for audit and compliance purposes.
    CreditorWatch may use or disclose a government related identifier where:
    
    it is reasonably necessary for CreditorWatch to verify the identity of the individual for the purposes of our business activities or functions; or
    as required or authorised by law or in accordance with the order of a Court or Tribunal, or where it is otherwise permitted to do so under the Privacy Act.
    
    The purposes for which we collect, use and disclose personal information
    We collect, hold, use and disclose personal information for a variety of business purposes including:
    
    to provide the products or services you have requested from us;
    to process payments;
    to improve our business, products and services;
    to promote our business to you;
    to market other CreditorWatch services or products to you;
    to handle and respond to your enquiries, complaints or concerns; and
    to provide personal information to third parties as set out in this Privacy Policy.
    
    Direct Marketing
    We also collect, hold, use and disclose your personal information to:
    
    notify you about the details of new services and products offered by us;
    notify you of the details of meetings, events and seminars that may be of interest to CreditorWatch customers and clients;
    send you our newsletters and other marketing publications;
    administer our databases for client service, marketing and financial accounting purposes; and
    to comply with our legal requirements regarding the collection and retention of information concerning the products and services that we provide.
    
    If you do not wish to disclose your personal information for the purpose of direct marketing or you would like to opt-out of receiving direct marketing communications, you can do so by contacting the CreditorWatch Privacy Officer using the contact details set out below, or by following the instructions to unsubscribe which are contained in a communication that you receive from us.
    
    Who do we disclose personal information to?
    The ATI Group and Related Companies
    The ATI Group includes our parent company Australian Technology Innovators Pty Ltd, LEAP Legal Software Pty Ltd, InfoTrack Group Pty Ltd and their subsidiaries, CNCNA Pty Ltd (trading as eCompanies), InfoTrack Limited (NZ), InfoTrack Group Limited (UK) and its subsidiaries, and LotSearch Pty Ltd. Different companies within the ATI Group provide different services.
    The ATI Group may share information with our integration partners to ensure the smooth running of the services which we, and they, provide. These partners include Sympli Pty Ltd, Practice Evolve Group Pty Ltd and its subsidiaries, Legal Software Developments Pty Ltd and its subsidiaries, and other partners as mentioned on our website and updated from time to time. At times, we may need to provide personal information to them to help them run their businesses or for reporting purposes. We may also share your personal information within the wider Australian Technology Innovators Pty Ltd group companies (ATI Group) and with our service providers for the purposes outlined above.
    
    Third Party Service Providers
    We may disclose your personal information to third party service providers who assist us in providing the services you request, including public authorities and providers of information services.
    We may also disclose your personal information to third parties who work with us in our business to promote, market or improve the services that we provide, including:
    
    providers of customer relations management database services and marketing database services;
    marketing consultants, promotion companies and website hosts; and
    consultants and professional advisers.
    We may also combine your personal information with information available from other sources, including the entities mentioned above, to help us provide better services to you.
    Where we do share information with third parties, we require that there are contracts in place that only allow use and disclosure of personal information to provide the service and that protect your personal information in accordance with the Privacy Act. Otherwise, we will disclose personal information to others if you’ve given us permission, or if the disclosure relates to the main purpose for which we collected the information and you would reasonably expect us to do so.
    
    Disclosure of consumer credit information
    As a credit reporting agency, we may share your credit information in accordance with industry consumer credit reporting standards including:
    
    Part IIIA of the Privacy Act 1988;
    the Privacy (Credit Reporting) Code 2014, and;
    Privacy Regulation 2013.
    These standards ensure that your personal information in relation to your consumer credit is managed regarding:
    
    the types of personal information that credit providers can disclose to a credit reporting body (CRB), for the purpose of that information being included in an individual’s credit report;
    what entities can handle that information, and;
    the purposes for which that information may be handled.
    
    Disclosure of personal information to overseas recipients
    We do not presently disclose personal information to any organisations located overseas; however, we do disclose information in Australia, for the purposes described above, to some multinational organisations that are located both in Australia and overseas, including the United Kingdom, the United States and New Zealand.
    
    European Union – General Data Protection Regulation (GDPR)
    If you are a resident of the European Union for the purposes of the GDPR, then in addition to what is set out above, the following applies to you.
    CreditorWatch is a data controller and processor for the purposes of the GDPR and by your consenting to this Privacy Policy, CreditorWatch is able to process your Personal Information in accordance with this Privacy Policy.
    In providing services to you, CreditorWatch may make use of a number of automated processes using your Personal Information and your activity on our site as tracked by us, in order to provide more tailored and relevant services to you.
    In addition to your rights set out above, you may update or rectify any of your Personal Information that we hold about you, in the manner described in the “How you can access your personal information” paragraph above.
    
    How we handle requests to access your personal information
    You have a right to request access to your personal information which we hold about you and to request its correction. You can make such a request by contacting the CreditorWatch Privacy Officer using the contact details set out in this policy.
    We will respond to any such request for access as soon as reasonably practicable. Where access is to be given, we will provide you with a copy or details of your personal information in the manner requested by you where it is reasonable and practicable to do so.
    We will not charge you a fee for making a request to access your personal information. However, we may charge you a reasonable fee for giving you access to your personal information.
    In some cases, we may refuse to give you access to the information you have requested or only give you access to certain information. If we do this, we will provide you with a written statement setting out our reasons for refusal, except where it would be unreasonable to do so.
    
    How we handle requests to correct your personal information
    We will take such steps (if any) as are reasonable in the circumstances to make sure that the personal information we collect, use or disclose is accurate, complete, up to date and relevant.
    If you believe the personal information we hold about you is inaccurate, irrelevant, out of date or incomplete, you can ask us to update or correct it. To do so, please contact us using the contact details listed below.
    If we refuse your request to correct your personal information, we will let you know why. You also have the right to request that a statement be associated with your personal information that says you believe it is inaccurate, incomplete, irrelevant, misleading or out of date.
    
    How to contact us or make a complaint
    If you have any questions about this Privacy Policy, if you wish to correct or update information we hold about you or if you wish to request access or correction of your personal information or make a complaint about a breach by CreditorWatch of the Australian Privacy Principles (including the way we have collected, disclosed or used your personal information), please contact:
    
    CreditorWatch Privacy Officer
    GPO Box 4029 Sydney NSW 2001
    privacy@creditorwatch.com.au
    1800 738 524
    
    We will acknowledge and investigate any complaint about the way we manage personal information as soon as practicable. We will take reasonable steps to remedy any failure to comply with our privacy obligations. If you are unhappy with our handling of the complaint, you may contact the Australian Information Commissioner.
    
    Last update: 29 May 2019
    
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  3. View Campaign Flow Pty Ltd Privacy Policy
    
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    Campaign Flow Pty Ltd Privacy Policy
    Real Flow Credit Fund Pty Ltd
    
    PRIVACY POLICY
    
    OUR COMMITMENT TO PROTECT YOUR PRIVACY
    
    Real Flow Credit Fund Pty Ltd ACN 642 507 926 and its affiliates (collectively known as “Real Flow” and also referred to in this Policy as “us,” “we” and “our”) seeks to provide the best possible service to its customers by providing the best possible range of financial products and services.
    
    We understand how important it is to protect your personal information. This document sets out our Privacy Policy commitment in respect of personal information that you may provide to us.
    
    We recognise that any personal information we collect about you will only be used for the purposes indicated in our policy, where we have your consent to do so, or as otherwise required or authorised by law. It is important to us that you are confident that any personal information we collect from you or that is received by us will be treated with appropriate respect ensuring protection of your personal information.
    
    Our commitment in respect of personal information is to abide by the Privacy Act 1988 (Cth) and any other relevant law.
    
    WHO IS REAL FLOW?
    
    Real Flow is an organisation that provides loans and related services to approved customers. We focus on loans to finance the marketing costs associated with the sale of a property as well as loans to real estate agents secured against future receivable commissions. Our loans may be regulated by the National Consumer Credit Protection Act (NCCP) or may be unregulated.
    
    We may also market our products and services.
    
    PERSONAL INFORMATION
    
    When we refer to personal information we mean information or an opinion about you, from which you are, or may reasonably be, identified.
    
    This information may include (but is not limited to) your name, date of birth, driver’s licence number, marital status, phone number, email address, address, nationality, employment history, income, assets and liabilities.
    
    Due to the nature of the services provided by us, some of the information we collect may be sensitive information, including details about your health. For example, if you are applying for hardship we may ask you information about pre-existing medical conditions.
    
    It is not common practice for us to collect other sensitive information about you (such as information about your religion, trade union membership, political opinion, sexual preference or criminal record). We will only collect sensitive information about you with your consent.
    
    WHY WE COLLECT YOUR PERSONAL INFORMATION
    
    We collect and receive personal information about you in order to conduct our business, including assessing and obtaining approval for our loans and accepting investments. From time to time we may offer other products and services.
    
    HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
    
    Personal information may be collected by us in a number of circumstances, including when an individual:
    
    • makes an enquiry with us via email or telephone;
    
    • lodges a loan enquiry or requests a quote through our website;
    
    • applies to invest in a product offered by us;
    
    • attends an event hosted by us; or
    
    • applies to work with us.
    
    Where reasonable and practical we will collect your personal information only directly from you. However, we will also collect information about you from third parties such as from our contractors who supply services to us, through our referrers (such as real estate agents), from a publicly maintained record or from other individuals or companies as authorised by you. From time to time we may also purchase lists containing personal information about individuals from organisations offering such lists for marketing purposes.
    
    If you do not provide the information requested by us, we may not be able to provide you with our services.
    
    If you provide personal information to us about someone else, you must ensure that you are entitled to disclose that information to us and that, without us taking any further steps required by privacy laws, we may collect, use and disclose such information for the purposes described in this Privacy Policy. For example, you should take reasonable steps to ensure the individual concerned is aware of the various matters detailed in this Privacy Policy. The individual must also provide the consents set out in this Privacy Policy in respect of how we will deal with their personal information.
    
    HOW DO WE USE YOUR PERSONAL INFORMATION?
    
    We use your personal information for the purpose for which it has been provided, for reasonably related secondary purposes, any other purpose you have consented to and any other purpose permitted under the Privacy Act. This may include using your personal information for the following purposes:
    
    • to provide you with the products or services you requested;
    
    • to verify your identity;
    
    • to assess, process and manage your application to be a customer, including to verify your details and assess our risk;
    
    • to assess, process and manage your application to work with us; or
    
    • for complaints handling or data analytics purposes.
    
    TO WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION?
    
    To enable us to maintain a successful business relationship with you, we may disclose your personal information to:
    
    • organisations that provide products or services used or marketed by us, including intermediaries (such as financial advisers), trustee companies, financial institutions and securitisers;
    
    • your employer/s or referees, your guarantors, your professional advisors, your bank and any other organisation that may have or is considering having an interest in your loan, or in our business;
    
    • companies and contractors who we retain to provide services for us, such as IT contractors, call centres, stationery printing houses, mail houses, storage facilities, lawyers, accountants and auditors, who will need to have access to your personal information to provide those services;
    
    • people considering acquiring an interest in our business or assets; and
    
    • other individuals or companies authorised by you.
    
    You also understand that we may disclose your personal information to any co-owner of a property that you nominate as security for any loan that we arrange for you.
    
    By providing us with your personal information, you consent to us disclosing your information to such entities without obtaining your consent on a case by case basis.
    
    Sometimes we are required or authorised by law to disclose your personal information. Circumstances in which we may disclose your personal information would be to a Court, Tribunal or law enforcement agency in response to a request or in response to a subpoena or to the Australian Taxation Office.
    
    We may from time to time transfer personal information outside Australia in accordance with the Privacy Act to countries whose privacy laws do not provide the same level of protection as Australia’s privacy laws. For example, we may transfer your personal information to the Asia, Europe, North America, South America or other countries within the Australasian region. We may also use cloud storage and IT servers that are located offshore.
    
    By providing us with your personal information, you consent to us disclosing your information to entities located outside Australia and, when permitted by law to do so, on the basis that we are not required to take such steps as are reasonable in the circumstances to ensure that any overseas recipient complies with Australian privacy laws in relation to your information.
    
    NOTIFIABLE MATTERS
    
    If you apply for a loan with us, we may provide your ‘credit information’ to a credit reporting body. The credit reporting body may provide the information that we report about you to other credit providers to assist them to assess your credit worthiness. We may also obtain information that other credit providers have provided to a credit reporting body to use in our assessments of your credit-worthiness.
    
    If you fail to meet your payment obligations in relation to any loan that we have provided to you, or any loan that we have arranged for you, or if you commit a serious credit infringement, we may report this to a credit reporting body
    
    The information that we provide to a credit reporting body may sometimes be used for ‘pre-screening’ of direct marketing offers to be made by another credit provider. You may contact the credit reporting body to request that your ‘credit information’ is not used in this way.
    
    If you think that you have been a victim of fraud or think that the ‘credit information’ a credit reporting body holds about you is incorrect, you may also contact the credit reporting body to ask them not to use or disclose your ‘credit information’. The credit reporting body must not use or disclose your ‘credit information’ for a period of 21 days after receiving your notice. For further information about credit reporting bodies, visit:
    
    • www.equifax.com.au.
    
    • www.illiob.com.au;
    
    • www.experian.com.au.
    
    You can also contact us to access the ‘credit information’ that we hold about you and correct that information if you think that it is incorrect. See below for more information about this.
    
    DIRECT MARKETING
    
    From time to time we may use your personal information to provide you with current information about mortgage loans, special offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company we are associated with. By providing us with your personal information, you consent to us using your information to contact you on an ongoing basis for this purpose, including by mail, email, SMS, social media and telephone.
    
    If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting our Privacy Contacts using the contact details below. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
    
    UPDATING YOUR PERSONAL INFORMATION
    
    It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we will ask you to inform us if any of your personal information has changed.
    
    If you consider that any information we hold about you is incorrect, you should contact us to have it updated. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.
    
    ACCESS TO YOUR PERSONAL INFORMATION
    
    We will provide you with access to the personal information we hold about you, subject to limited exceptions in the Privacy Act as outlined below. You may request access to any of the personal information we hold about you, including any credit-related personal information we hold about you, at any time.
    
    To access personal information that we hold about you, use the contact details specified below. We may charge a fee for our reasonable costs in retrieving and supplying the information to you.
    
    DENIED ACCESS TO PERSONAL INFORMATION
    
    There may be situations where we are not required to provide you with access to your personal information. For example, such a situation would be information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious.
    
    An explanation will be provided to you if we deny you access to your personal information we hold.
    
    BUSINESS WITHOUT IDENTIFYING YOU
    
    In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information. Such a situation would be where you make general inquiries about interest rates or current promotional offers.
    
    HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD?
    
    We will take reasonable steps to protect your personal information, including your credit-related personal information, by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.
    
    We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
    
    FURTHER INFORMATION AND COMPLAINTS
    
    You may request further information about the way we manage your personal information or lodge a complaint by contacting our Privacy Officer(s) on the contact details below.
    
    We will deal with any complaint by investigating the complaint, and providing a response to the complainant within 15 business days, provided that we have all necessary information and have completed any investigation required. In cases where further information, assessment or investigation is required, we will seek to agree alternative time frames with you.
    
    CONTACT DETAILS
    
    You can contact us by calling us on 1800 00 3569 emailing us on privacy@realflowfinance.com.au or by writing to:
    
    The Privacy Officer
    
    Real Flow Credit Fund Pty Ltd
    
    PO Box 33,
    
    SEAFORTH NSW 2092
    
    CHANGE IN OUR PRIVACY POLICY
    
    We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market practices.
    
    As a consequence we may change this Privacy Policy from time to time or as the need arises.
    
    This Privacy Policy was last updated in August 2020.
    
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Business Details
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Campaign Flow | Style Flow

ApplyEasy Privacy Policy

CreditorWatch Privacy Policy

The types of personal information we collect and hold

How personal information is collected and held by us

Collection of personal information through website activity

Adoption, use and disclosure of government related identifiers

The purposes for which we collect, use and disclose personal information

Direct Marketing

Who do we disclose personal information to?

Disclosure of consumer credit information

Disclosure of personal information to overseas recipients

European Union – General Data Protection Regulation (GDPR)

How we handle requests to access your personal information

How we handle requests to correct your personal information

How to contact us or make a complaint

Campaign Flow Pty Ltd Privacy Policy

Business Details

Contact Details