Privacy Policy

This Privacy Policy explains how The Rate which is owned and operated by SPK Tech Pty Ltd (ACN 692 520 264) collects, uses, discloses and protects your information when you use The Rate. We are committed to handling your personal information with care and transparency.

Information We Collect

When you use The Rate, we may collect:

• Personal details (such as name, contact information, and date of birth)
• Loan request details you submit
• Information from credit checks (where you consent, only soft credit checks that do not affect your credit score)
• Technical data (such as cookies, device information, and usage activity)
• Any information you provide to us when contacting support or completing forms

We generally do not collect sensitive information unless you provide it directly and consent to its use.

How We Use Your Information

We use your personal information to:

• Provide you with comparison results and connect you with lenders that may suit your needs
• Improve our platform and user experience
• Communicate with you about your requests and our services
• Meet legal and regulatory requirements
• (With your consent) send you marketing or promotional material

Sharing Your Information

We may share your information with:

• Lenders and financial institutions you choose to engage with
• Service providers that help us operate our platform (e.g. hosting, IT, analytics)
• Regulators or law enforcement if required by law

Some of these parties may be located overseas. Where this happens, we take reasonable steps to ensure your data is protected.

Cookies and Analytics

The Rate uses cookies and similar technologies to improve functionality, analyse usage, and enhance your experience.

What are Cookies?

Cookies are small text files stored on your device when you visit websites. They help us remember your preferences and improve your browsing experience.

Types of Cookies We Use:

Essential Cookies

Required for the website to function properly and cannot be disabled.

Analytics Cookies

Help us understand how visitors interact with our website to improve performance.

Functional Cookies

Remember your preferences and settings to personalise your experience.

Marketing Cookies

Track your activity across websites to show you relevant advertisements (with your consent).

Managing Cookies

You can manage cookies through your browser settings. Note that disabling essential cookies may affect website functionality. Most browsers allow you to refuse cookies or delete existing ones.

Third-Party Services

We may use services like Google Analytics to understand website usage. These services have their own privacy policies governing how they collect and use data.

Direct Marketing

We will only send you marketing communications if you have provided consent. You can opt out at any time by following the unsubscribe link in our emails or contacting us.

Your Rights

You may:

• Request access to the personal information we hold about you
• Ask us to correct or update your information
• Make a complaint if you believe your privacy has been breached

We will respond to requests and complaints within a reasonable time.

Data Security

We take reasonable steps to protect your information from misuse, loss, or unauthorised access. However, no internet transmission can be guaranteed as completely secure.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

Email:

privacy@therate.com.au 

Website:

www.therate.com.au 

You may also contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.