Privacy Policy
This Privacy Policy explains how we collect, hold, use, and disclose your personal information when you use the Motifi platform at motifi.com.au and any associated services (the "Platform").
The Platform is operated by Agent Finance AI Pty Ltd (ACN 673 873 204) ("we", "us", "our"), trading as Motifi. We are bound by the Privacy Act 1988 (Cth) ("Privacy Act") and the Australian Privacy Principles ("APPs").
This Policy applies to personal information we hold on the Platform. Credit assistance on the Platform is provided by a third-party Australian credit broker (the "Broker"). The Broker's identity and details are disclosed to you in the Broker's Credit Guide and privacy disclosure, which you will be asked to review when you reach the credit assistance stage of your application. The Broker is a separate entity with its own privacy obligations. From the start of your application, the Broker has access to your personal information on the Platform so it can assess and manage your application.
1. What this Policy covers
1.1 This Policy covers personal information we collect, hold, use, and disclose when you:
(a) visit the Platform or any of our websites;
(b) create an account or use the Platform;
(c) communicate with us by email, SMS, chat, or any other means; or
(d) interact with any AI assistant on the Platform.
1.2 "Personal information" has the meaning given in the Privacy Act. It is information or an opinion about an identified individual, or an individual who is reasonably identifiable.
1.3 "Sensitive information" is a sub-set of personal information that includes information about your health, racial or ethnic origin, religious beliefs, and certain other categories listed in the Privacy Act. The Platform does not ask for sensitive information. If you provide sensitive information voluntarily (for example, in a conversation with the AI assistant), we will handle it in accordance with this Policy and the Privacy Act.
2. The personal information we collect and hold
2.1 We collect and hold the following kinds of personal information:
(a) Contact and account details — your full name, email address, mobile number, residential address, and account credentials.
(b) Identity details — date of birth, residency status, driver licence number and other government-issued identifier numbers, and copies of identification documents (collected at a later stage of your application, as set out in clause 2.2).
(c) Financial and employment details — income, expenses, assets, liabilities, employment status, employer details, and similar information needed to scope a car loan application.
(d) Vehicle and loan details — the vehicle you want to finance, loan amount, loan term, deposit, and similar application information.
(e) Conversation and interaction data — transcripts of your conversations with the AI assistant, your responses to application questions, support messages, and similar records.
(f) Technical and device data — IP address, device type, browser type, operating system, time zone, and similar information automatically collected when you use the Platform.
(g) Usage data — pages you visit, actions you take on the Platform, time spent, referral source, and similar information.
2.2 We collect identity documents and identifier numbers (including driver licence number and copies of identification documents) only after you have reviewed and signed the Broker's Privacy Disclosure Statement and Consent. We hold this information on the Platform so that the Broker can rely on it for your application. Where the Broker collects additional information directly from you under its own privacy disclosure, that information is handled under the Broker's privacy policy.
3. How we collect personal information
3.1 We collect most personal information directly from you when you:
(a) create an account;
(b) complete an application form;
(c) interact with the AI assistant;
(d) communicate with us by email, SMS, or chat; or
(e) respond to a chaser message.
3.2 We collect technical and usage data automatically when you use the Platform, through cookies and similar technologies. You can manage cookies through your browser settings.
3.3 We do not collect personal information about you from third parties through the Platform.
4. Why we collect, hold, and use personal information
4.1 We collect, hold, and use personal information to:
(a) verify your identity and provide you with an account;
(b) operate the Platform and the AI assistant;
(c) gather information about your circumstances so that the Broker can consider whether to provide credit assistance to you;
(d) make your personal information available to the Broker so the Broker can assess your application and provide credit assistance to you;
(e) communicate with you about your application, including by SMS and email;
(f) respond to your questions and support requests;
(g) detect, investigate, and prevent fraud, misuse, and security incidents;
(h) improve the Platform, including by training and tuning the AI assistant on conversation data. We do not use information you provide that may constitute credit information or credit eligibility information under the Privacy Act for training or tuning the AI assistant;
(i) produce aggregated and de-identified statistics about how the Platform is used;
(j) comply with our legal and regulatory obligations; and
(k) establish, exercise, or defend legal claims.
4.2 We will not use your personal information for any other purpose unless:
(a) you would reasonably expect us to use it for that purpose and it is related (or, for sensitive information, directly related) to a purpose set out in clause 4.1;
(b) you consent to the use; or
(c) the use is otherwise permitted or required under the Privacy Act or any other Australian law.
5. Disclosure of your personal information
5.1 We disclose your personal information to the parties set out in this clause 5 for the purposes set out in clause 4.
The Broker
5.2 The Platform connects you with a third-party Australian credit broker (the "Broker"), who provides credit assistance to you for your car loan application.
5.3 Two organisations handle your personal information when you use the Platform:
(a) us (Motifi), as the operator of the Platform; and
(b) the Broker, as the credit broker who acts for you.
Each of us is a separate entity with its own privacy obligations under the Privacy Act.
5.4 The Broker has access to your personal information on the Platform from the start of your application, so the Broker can:
(a) assess your application;
(b) provide credit assistance to you;
(c) communicate with you about your application; and
(d) manage your application through to submission to a lender and beyond.
5.5 The Broker may also extract or copy your personal information from the Platform into the Broker's own systems for the purposes set out in clause 5.4. From the point at which the Broker holds your personal information in its own systems, the Broker handles it under the Broker's own privacy policy and privacy disclosure.
5.6 The Broker, not us:
(a) deals with credit reporting bodies, lenders, and other parties involved in your credit application;
(b) is responsible for any credit information generated about you in connection with your loan application; and
(c) is responsible for the credit assistance and responsible lending obligations under the National Consumer Credit Protection Act 2009 (Cth).
5.7 You will be asked to review and consent to the Broker's privacy disclosure and consent document at the credit assistance stage of your application, before the Broker collects credit information or contacts any credit reporting body. The Broker's identity, contact details, and dispute resolution arrangements are set out in the Broker's Credit Guide, provided at the same time.
Disclosure to our service providers
5.8 We disclose personal information to service providers that help us operate the Platform, including:
(a) cloud hosting and infrastructure providers;
(b) database and storage providers;
(c) SMS and email providers;
(d) error monitoring, analytics, and security providers;
(e) AI service providers that power the AI assistant;
(f) address verification providers; and
(g) banking data and verification providers (where you are asked to connect a banking data source for your application).
5.9 We require our service providers to handle personal information only for the purposes for which we disclose it to them, and to protect it in accordance with applicable laws.
Other disclosures
5.10 We may disclose personal information:
(a) to our professional advisers, including lawyers, accountants, and auditors;
(b) to a buyer or potential buyer of our business or assets, on confidential terms;
(c) where we are required or authorised by law, or by a regulator, court, or law enforcement body, to disclose it;
(d) where you have consented to the disclosure; or
(e) where the disclosure is otherwise permitted under the Privacy Act.
5.11 We do not sell your personal information.
6. Overseas disclosure of personal information
6.1 Some of our service providers are located outside Australia, or are Australian entities that store or process personal information outside Australia. We disclose personal information to recipients in the following countries:
(a) the United States — where some of our service providers (including providers of SMS, email, AI infrastructure, error monitoring, and address verification services) store or process personal information on our behalf; and
(b) the Philippines — where some members of our development team have read access to systems holding personal information.
6.2 Before disclosing personal information to an overseas recipient, we take reasonable steps to ensure that the recipient does not breach the APPs in relation to the information, as required by APP 8.
6.3 Under section 16C of the Privacy Act, an act or practice of an overseas recipient that would breach the APPs is taken to have been done by us. This means we are accountable to you for the handling of your personal information by overseas recipients to whom we disclose it.
6.4 We do not rely on the consent exception in APP 8.2 to bypass the accountability mechanism in section 16C.
7. How we store and protect your personal information
7.1 We store your personal information primarily in Australia, in cloud infrastructure located in the Australian region. Some categories of information are processed by overseas service providers, as set out in clause 6.
7.2 We take reasonable steps to protect personal information from misuse, interference, loss, and from unauthorised access, modification, or disclosure. These steps include:
(a) access controls, authentication, and audit logging;
(b) encryption of personal information in transit and at rest;
(c) restricting access to personal information to personnel who need it to perform their role;
(d) staff training on privacy and security;
(e) due diligence on service providers; and
(f) incident response and breach notification procedures.
7.3 No information security measure is perfect. While we take the steps set out in this clause 7, we cannot guarantee that personal information will never be accessed, used, or disclosed without authorisation.
7.4 If we become aware of a data breach that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner ("OAIC") in accordance with Part IIIC of the Privacy Act.
8. How long we keep your personal information
8.1 We keep your personal information for as long as we need it for the purposes set out in clause 4, and then for any longer period we are required or permitted to keep it under Australian law.
8.2 In particular:
(a) records that support the Broker's credit assistance activities are subject to record-keeping obligations under the National Consumer Credit Protection Act 2009 (Cth) ("NCCP") and the National Consumer Credit Protection Regulations 2010, and may need to be retained for at least 7 years. We keep records the Broker may rely on for at least this period;
(b) records required to be kept under tax, anti-money laundering, or other laws are kept for the period required by those laws; and
(c) other records are kept for as long as we have a legitimate business need.
8.3 When we no longer need personal information, we take reasonable steps to destroy it or de-identify it.
9. AI assistant and automated processing
9.1 The Platform uses artificial intelligence to provide most of your experience, including an AI assistant that guides you through your application. The AI assistant processes your personal information to:
(a) ask you questions about your circumstances;
(b) record your responses;
(c) summarise your application for the Broker; and
(d) provide chat support during your application.
9.2 The AI assistant does not decide whether you will be approved for finance. Credit decisions are made by lenders, after the Broker has reviewed and submitted your application.
9.3 A qualified credit representative of the Broker reviews every application before it is submitted to a lender.
9.4 From 10 December 2026, additional requirements apply under the Privacy Act in relation to certain automated decisions that significantly affect the rights or interests of an individual. We will update this Policy before that date to reflect those requirements as they apply to the Platform.
10. Direct marketing
10.1 We may from time to time use your personal information to send you direct marketing communications about the Platform or related products and services, but only where:
(a) you have consented to receive those communications; or
(b) we are otherwise permitted to send them under the Privacy Act and the Spam Act 2003 (Cth).
10.2 The following messages are not direct marketing:
(a) verification messages, including one-time password codes;
(b) progress updates and reminders relating to your application;
(c) messages required to process your application; and
(d) service messages about the Platform.
10.3 You can opt out of direct marketing communications at any time by:
(a) using the unsubscribe link in any marketing message; or
(b) visiting loans.motifi.com.au/optout.
We will action your opt-out within the period required by the Spam Act 2003 (Cth).
10.4 Opting out of direct marketing does not opt you out of the messages in clause 10.2, which are necessary for your application.
11. Cookies and similar technologies
11.1 The Platform uses cookies and similar technologies to:
(a) keep you signed in;
(b) remember your preferences;
(c) measure how the Platform is used; and
(d) detect and prevent fraud and misuse.
11.2 You can manage cookies through your browser settings. If you block cookies, some parts of the Platform may not work as intended.
12. Access to and correction of your personal information
12.1 You can ask us at any time to:
(a) tell you what personal information we hold about you;
(b) give you a copy of that personal information; or
(c) correct personal information you believe is inaccurate, out of date, incomplete, irrelevant, or misleading.
12.2 To make a request, contact us at privacy@motifi.com.au. We may ask you to verify your identity before we action your request.
12.3 We will respond to your request within a reasonable period and, in any event, within 30 days. If we refuse to give you access to, or correct, your personal information, we will tell you why in writing.
12.4 We do not usually charge for access or correction requests. If a charge is necessary, we will tell you in advance and the charge will not be excessive.
13. Complaints
13.1 If you think we have breached the APPs or this Policy, please contact us first at privacy@motifi.com.au. We will acknowledge your complaint within 5 business days and aim to respond substantively within 30 days.
13.2 If you are not satisfied with our response, you can complain to the Office of the Australian Information Commissioner:
- Website: www.oaic.gov.au
- Phone: 1300 363 992
- Post: GPO Box 5288, Sydney NSW 2001
13.3 Complaints about credit assistance, your loan, or the Broker should be directed to the Broker in the first instance, and may be referred to the Australian Financial Complaints Authority ("AFCA") if not resolved. The Broker's complaint process and AFCA contact details are set out in the Broker's Credit Guide.
14. Changes to this Policy
14.1 We may update this Policy from time to time. The current version is always available at motifi.com.au/privacy.
14.2 If we make a material change, we will notify you by email or through the Platform before the change takes effect.
14.3 Changes apply from the date this Policy is updated.
15. Contact us
15.1 For any privacy question or request, contact: help@motifi.com.au
This Privacy Policy was last updated on 1 June 2026.