legal

Privacy Policy

Last Updated: 30th June, 2026

Introduction

FinSpectra America Inc. and FinSpectra Australia Pty Limited, together referred to as“FinSpectra” (also “we” or “us”), respect your privacy and are committed to protecting it. FinSpectra is a business to business (B2B) software company that provides a lending technology platform to lenders and financial institutions.This policy explains what information we collect from visitors to our website at https://finspectra.com (the “Website”) and how we use, keep, protect, and share it. It applies to both entities and includes regional information for the United States, Australia, and New Zealand. Where a request relates to a specific region, the FinSpectra entity responsible for that region handles it: FinSpectra America Inc. for the United States, and FinSpectra Australia Pty Limited for Australia and New Zealand.

The Website is for business users, mainly current and prospective business customers who want to learn about our products, contact us, or request a demonstration. It is not aimed at consumers looking for loans. We do not originate loans, make lending decisions, or collect or process borrower payments or payment card information through the Website. Lending, borrower disclosures, and any privacy practices that face borrowers are the responsibility of the lenders and financial institutions that use our platform, under their own agreements and notices, and they remain responsible for their own compliance and for configuring our platform correctly.

This policy covers information we collect on the Website and in emails and other electronic messages between you and the Website. It does not cover information collected offline or by any third party, including through content or advertising that links to the Website. By using the Website, you agree to this policy. We may update it from time to time, so please check back.

Information We Collect

We collect a limited amount of information from visitors:

  • Information you give us. Business contact information you submit through our forms, such as your name, business email address, company name, telephone number, and the details of your inquiry, when you contact us, request a demo, or subscribe to updates.
  • Information collected automatically. Technical details about your visit, such as your IP address, device and browser type,operating system, and usage data, collected through cookies, web beacons, and similar technologies. 

We do not collect payment card information or process payments through the Website, and we do not knowingly collect financial, health, or other sensitive personal information through it. We keep records of your correspondence if you contact us. Anything you choose to post in a public area of the Website is shared at your own risk.

How We Use Your Information

We use the information we collect to:

  • show you the Website and respond to your inquiries;
  • give you the product and service information you ask for, including arranging demonstrations;
  • carry out and enforce our contracts with you, including billing and account administration;
  • tell you about changes to the Website or our products and services;
  • keep the Website and our systems safe and secure; and
  • meet any other purpose we describe when you give us the information, or that you consent to.

We use information collected automatically to estimate audience size and usage,remember your preferences, recognize you on return visits, and improve the Website. This information is mostly statistical, though we may link it with personal information you provide.

Cookies and Tracking Technologies

We use cookies(small files placed on your device) and web beacons to run and improve the Website. You can set your browser to refuse some or all cookies or to alert you when they are sent, though some parts of the Website may then not work properly.

How We Share Your Information

We may share aggregated information that does not identify anyone without restriction. We may share personal information:

•      with service providers who support our business and are bound by contract to keep it confidential and use it only for the purposes we set;

•      with our affiliates, where relevant, under this policy;

•      with a buyer or successor in a merger, sale, or similar transaction in which information about Website users is part of what is transferred;

•      to meet the purpose you provided it for, or with your consent;

•      to comply with a court order, law, or legal process,including a government or regulatory request; and

•      to enforce our agreements or protect the rights,property, or safety of FinSpectra, our customers, or others.

Your Choices and Rights

You can email us at info@finspectra.com to access, correct, or delete the personal information you have given us. We cannot delete information where the law requires us to keep it or where deletion would mean closing your account. We may decline a change that would break a legal requirement or make information inaccurate.

United States State Privacy Rights

Depending on where you live, your state’s privacy law may give you the right to confirm whether we process your personal information; to access, correct, or delete certain information; to get a portable copy; and to opt out of certain processing, such as targeted advertising, the sale of personal information, or profiling that has legal or similar effects. California residents should also read our Privacy Policy for California Residents at https://finspectra.com/privacy-policy-for-california-residents. To use these rights, or to appeal a decision about a request, email info@finspectra.com.

Australia

If you are in Australia, we handle your personal information in line with the Privacy Act1988 (Cth) and the Australian Privacy Principles. You can ask for access to the personal information we hold about you and ask us to correct it. We take reasonable steps to keep it accurate and secure. If we disclose personal information to a recipient overseas, we handle that disclosure consistent with Australian Privacy Principle 8. To make a request or raise a concern, emailinfo@finspectra.com. If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner.

New Zealand

If you are in New Zealand, we handle your personal information in line with the Privacy Act2020 and its information privacy principles. You can ask for access to your personal information and ask us to correct it. We handle any disclosure of personal information overseas consistent with the cross border rules in the Privacy Act 2020. To make a request or raise a concern, emailinfo@finspectra.com. If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner.

EU, EEA, and UK Visitors

This notice applies only where EU or UK law governs. If you are in the EU, EEA, or UK and submit personal information through the Website, such as through a contact form, we process it under the GDPR and UK GDPR. We rely on your consent or our legitimate interest in responding to you. Subject to the usual conditions, you can access, correct, delete, or restrict your personal information, object to its processing, and ask for portability. To use these rights, emailinfo@finspectra.com.

Visitors Under 18

The Website is for business users and is not aimed at anyone under 18. We do not knowingly collect personal information from anyone under 18. If we learn that we have, we will delete it. If you think we may hold such information, emailinfo@finspectra.com.

Data Security

We use measures designed to protect the personal information you provide from loss and from unauthorized access, use, alteration, and disclosure. We store information on secure servers behind firewalls and protect information in transit with TLS encryption. No method of transmission over the internet is perfectly secure, so while we work to protect your information we cannot guarantee its security, and you send it at your own risk.

Changes to This Policy

We post any changes to this policy on this page and update the Last Updated date at the top. If we make material changes to how we treat personal information, we will give notice through the Website and, where appropriate, by email. Please keep your contact details current and review this policy from time to time.

How to Contact Us

For questions or comments about this policy or our privacy practices, contact us atinfo@finspectra.com. You can also write to us at either address below:

FinSpectra America Inc., 2603 Camino Ramon, Suite 200, San Ramon, CA 94583, United States.

FinSpectra Australia Pty Limited, Level 5, Nexus Building, 4 Columbia Court, Norwest, New South Wales 2153, Australia.

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