Privacy Policy


This is the privacy policy for FTA Data Solutions Pty Ltd (ACN 670 814 221) (Cigno, we, our, us). We respect your right to privacy and are committed to safeguarding the privacy of our customers and website visitors.

We are or will be bound by the Privacy Act 1988 (Cth) (Privacy Act), which sets out a number of principles concerning the privacy of individuals and businesses.

The purpose of this Privacy Policy is to tell you what kinds of Personal Information we may gather or hold about you, how we may use that information, whether we disclose it to anyone, the choices you have regarding our use of that information, your ability to access or correct that information and how you may complain should you believe we have breached our privacy obligations.

Please read this Privacy Policy carefully. Please contact us if you have any questions – our contact details are at the end of this Privacy Policy.

By providing us with your Personal Information, you indicate to us that you have had sufficient opportunity to access this Privacy Policy and that you have read and accepted it. If you do not wish to provide Personal Information to us, then you do not have to do so. However, it may affect our ability to provide services to you.

1. Collection of Personal information

We will, from time to time, receive and store Personal Information you enter onto our website, provide to us directly or give to us in other forms.

What is personal information?
Personal Information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent or can reasonably be ascertained, from the information or opinion.

What kinds of personal information do we collect and hold?
The Personal Information we may collect and hold varies and is dependent on the nature of our dealings with you. The kinds of Personal Information can include but is not limited to:

  1. full name;
  2. date of birth;
  3. residential address;
  4. email address;
  5. home phone number;
  6. mobile phone number;
  7. loan amount sought;
  8. loan term sought;
  9. purpose for the Loan;
  10. ID verification documentation; and
  11. bank account transaction history.

In most cases, if we do not collect the information we require, then we may be unable to undertake certain activities, such as providing you with our service.

How do we collect your personal information?Generally, when providing services to our customers, we collect Personal Information directly from the individuals where reasonable and practical.

We collect Personal Information from you in a variety of ways, including when you interact with us electronically or in person when you access our website and when we provide our services to you.

We may receive Personal Information from third parties, such as the developer, builder, your financial institution, publicly available sources of information and our related companies. If we do, we will protect it as set out in this Privacy Policy. We will only collect your Personal Information from third parties if it is unreasonable or impractical to collect the necessary information directly from you or if we are otherwise permitted to do so.

2. Use of personal information
We may use Personal Information collected from you to provide you with information, updates and our services. We may also make you aware of new and additional products, services and opportunities available to you. We may use your Personal Information to improve our products and services and better understand your needs.

We collect, hold and use Personal Information about you:

  1. to identify you, conduct customer identification procedures required by law and to communicate with you;
  2. for internal record-keeping;
  3. to provide our services to you;
  4. to analyse customer needs, develop customer strategies and improve customer experiences;
  5. for our market research and business development activities;
  6. for marketing, including direct marketing;
  7. to protect you and us from fraud;
  8. to run competitions or offer additional benefits to you;
  9. to comply with the our legal obligations; and
  10. to respond to any queries or complaints you may have.

We may contact you by a variety of measures including, but not limited to telephone, email, SMS, push notification or mail.

3. Disclosure of personal information

We may disclose your Personal Information insofar as reasonably necessary for the purposes set out in this Privacy Policy. Personal Information is only supplied to a third party when it is required for the delivery of our services.

We may disclose your Personal Information to:

  1. Pty Ltd for the purposes of lead generation to both financiers and non-financier entities;
  2. Third party businesses that offer financial and other products or services that may be of interest or suitable to your needs;
  3. other companies related to us;
  4. external service providers who assist us in providing products and services to customers;
  5. professional service providers and advisors who perform functions on our behalf, such as lawyers;
  6. government, regulatory authorities and other organisations as required or authorised by law; and
  7. financial institutions and direct debit administration organisations for payment processing.

Organisations providing professional services to us are required to keep those dealings and Personal Information provided by us as confidential unless required to disclose such information by statute or law.

In the case of contracted service providers, we may disclose Personal Information to the contracted service provider and the contracted service provider may in turn provide us with Personal Information collected from you in the course of providing the relevant products or services.

By providing us with Personal Information, you consent to the terms of this Privacy Policy and the types of disclosure covered by this Privacy Policy. Where we disclose your Personal Information to third parties, we will request that the third party follow this Privacy Policy regarding handling your Personal Information.

4. Sensitive information
The Privacy Act describes ‘sensitive information’ as information relating to a person’s racial or ethnic origin, political opinions, religion, trade union or other professional or trade association membership, sexual orientation, criminal record, and health information about an individual.

We do not collect sensitive information about our customers.

5. Holding your personal information

Information that we collect may from time to time may be stored, processed in or transferred between parties located in countries outside of Australia. In the event of this, you will be notified via email. For example, information may be stored, processed or transferred to our external service providers in Singapore and the Philippines.

If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any Personal Information and non- Personal Information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. We would seek to only disclose information in good faith and where required by any of the above circumstances.

6. Communication and direct marketing

We may communicate with you by phone, email, SMS or push notification, to inform you about existing and new products and services that may be of interest to you.

We will ensure that any email we send as direct marketing complies with the SPAM Act 2003 (Cth) and contain an ‘unsubscribe’ option so that you can remove yourself from any further marketing communications. To opt-out of communications via SMS, reply with “STOP”. You may decline marketing messages sent by push notifications by refusing the relevant permission in your phone or tablet settings, however this setting will prevent you from receiving other messages from us via push notification. You may also opt-out of receiving marketing materials from us using the contact details set out below.

You can also call or write to us to request that your details be removed from our direct marketing list. We will endeavour to remove your details from our direct marketing list within a reasonable time (ordinarily 5 working days).

Our direct marketing list may be operated by software and servers located overseas and your Personal Information may be sent overseas as part of our marketing. For example, our marketing activities may be managed by our external service providers located in Singapore and the Philippines.

We will also send communications that are required or necessary to send to users of our Website that contain information about important changes or developments to or the operation of the Website as well as other communications you request from us. You may not opt out of receiving these communications but you may be able to adjust the media and format through which you receive these notices.

7. Overseas disclosure
We may disclose your Personal Information to our third party service providers for them to help us provide services to you. Our third party service providers may store or access your Personal Information overseas. For example, information may be stored, processed or transferred to our external service providers in Singapore and the Philippines.

8. Retaining personal information
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for or as required by law.

We will take reasonable steps to destroy or permanently de-identify Personal Information that is no longer needed for any purpose that is permitted by the Privacy Act.

9. Use of government related identifiers

We will not use government related identifiers (such as driver’s licence numbers) as our own identifier of individuals. We will only use or disclose such identifiers in the circumstances permitted by the Privacy Act.

10. Security of your personal information
We are committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.

The transmission and exchange of information is carried out at your own risk. We cannot guarantee the security of any information that you transmit to us, or receive from us. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that Personal Information that we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.

Our servers have SSL certificates, so all data transferred electronically between you and us is encrypted.

11. Access to your personal information

You may request details of Personal Information that we hold about you in accordance with the provisions of the Privacy Act. A small administrative fee may be payable for the provision of information, to cover our reasonable costs of retrieving that information.

If you would like a copy of the information, which we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please email us at We will respond to any request within a reasonable time.

We will endeavour to promptly correct any information found to be inaccurate, incomplete or out of date. If we cannot take reasonable steps to correct the information because such correction is not technically possible or would be impracticable for us to perform, we may be unable to continue to provide services to you. In these cases, we will provide reasons for denial of your correction request.

If we refuse to correct your Personal Information you have the right to associate with the information a statement that the information is inaccurate, out of date, incomplete, irrelevant or misleading. We will take such steps that are reasonable in the circumstances to associate that statement with all records containing the relevant information.

We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act. If we cannot provide access to your information, we will generally provide you with the reasons why and the mechanisms to complain about that refusal.

There is no cost involved for you to make a correction request or for the correction of your information.

12. Making a complaint and how it will be handled
If you believe that we have breached any obligation under Part IIIA of the Privacy Act from when it applies to us and wish to make a complaint about that breach, please contact us by email at setting out details of the breach. We will promptly investigate your complaint and respond to you in writing setting out the outcome of our investigation, what steps we propose to take to remedy the breach and any other action we will take to deal with your complaint.

It would assist us to ensure we properly understand your complaint, and allow us to respond more promptly, if complaints are made in writing and include as much detail as possible.

We will deal with any complaint in a timely, effective and consistent manner.  We will acknowledge the receipt of your complaint within 7 days, and endeavour to make a decision on the complaint within 30 days after it is received.  If we need more time to resolve your complaint, then we will notify you as to the delay.

If you feel that we have not satisfactorily addressed your complaint, you may also make a complaint to the Office of the Australian Information Commissioner by visiting, emailing or writing to GPO Box 5218 Sydney NSW 2001.

13. Complaints about privacy
If you have any complaints about our privacy practices, please feel free to send in details of your complaints to We take complaints very seriously and will respond shortly after receiving written notice of your complaint setting out the outcome of our investigation, what steps we propose to take to remedy the breach and any other action we will take to deal with your complaint.

If you feel that we have not satisfactorily addressed your complaint, you may also make a complaint to the Office of the Australian Information Commissioner by visiting, emailing or writing to GPO Box 5218 Sydney NSW 2001.

14. Changes to Privacy Policy
Please be aware that we may change this Privacy Policy in the future. We may modify this Policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on our website or notice board. Please check back from time to time to review our Privacy Policy.

15. Website
When you visit our website we may collect certain information such as browser type, operating system, website visited immediately before coming to our site, etc. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service.

16. Cookies
We may from time to time use cookies on our website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our website. Our website may from time to time use cookies to analyses website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third party services such as Google Adwords. These ads may appear on this website or other websites you visit.

17. Third party sites
Our website may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practises of other such websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personal identifiable information. 

18. Enquiries
If you have any concerns or queries about our Privacy Policy, or if you would like more information about privacy-related issues, please contact us at: Email:
Mailing address: PO Box 1810, Southport BC, QLD, 4215

19. Definitions used in this policy
Personal information as defined under section of the Privacy Policy.
Privacy Policy means this document.
Cigno or we as defined on page 1 of the Privacy Policy.
You or your means:

  1. you, during your usage of our website; and
  2. you, during your dealing with us as a customer.