Privacy Policy - Australia

Introduction and defined terms
About us
Website Users
Employees or Potential Employees
Corporate Clients
Third-Parties
How we market Glow's products and services
How we use automated decision-making
Where we process your information
Your legal rights in relation to your information
Keeping you up to date
Contacting us
All changes to this Policy

Section 1 – Introduction and defined terms

We at Glow Financial Services (Australia) Pty Ltd (the “Company”, “Glow”, “we”, “us” or “our”) are committed to protecting your privacy and managing personal information in an open and transparent way under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (“APPs”).

This Privacy Policy (“Policy”) explains how we collect, use, disclose and protect your personal information when you interact with interact with Glow as a user of this website (“Website”); as a Glow employee; or as an employee or representative of Glow’s clients (“Corporate Clients”) or our suppliers. If you interact with Glow’s brands, for example through loan applications or customer portals, those activities are governed by the relevant brand’s Privacy Policy and where applicable its Credit Reporting Policy. This Policy was last updated 22^nd August 2025. For a summary of all updates to this Policy, please refer to section 9 ‘All changes to this Policy’.

Section 2 – About us

Glow is registered in Australia, ABN 66 668 894 504, Australia credit licence number 552067. Where Glow carries on business in Australia, the Privacy Act 1988 (Cth) and the APPs apply to our handling of Australian users’ personal information, even if processing occurs offshore.

Our contact details are:

Company name: Glow Financial Services (Australia) Pty Ltd

Registered Address: c/o SW Accountants, Level 7, 88 Phillip Street, Sydney, NSW, 2000.

Phone Number: +61 2 8073 0555

E-mail: dataprotection@glowgfs.com

We are authorised and regulated by ASIC, Australian credit licence number 552067. Find out more about us at https://www.glowfinsvs.com/

Brands in Australia:

SamsungFinance by Glow – Privacy Policy
Financed by Glow – Privacy Policy

Section 3 - Website Users

What and how we collect

Emails submitted by Website Users

The information we collect via emails depends on the content of the emails but can include personal information. Where lawful and practical you may interact with us anonymously or using a pseudonym.

Careers information

Any application details you submit likely contain personal information. See section 4 below.

Device/usage data

IP addresses, device, browser, referrer, pages viewed, timestamps, cookie identifiers. If tracking reasonably identifies you we treat it as personal information and explain in our brand Privacy Policies where appropriate.

Tab 3.2 - Who we share it with

Service providers for hosting, security, analytics, site operations.
Group companies that support this Website. For information on where Glow processes your information, please see section 9 ‘Where we process your information’.

Tab 3.3 - Why we collect it

Where we have a legitimate interest:

to respond to enquires and send requested updates to our Website users;
to operate and secure our Website;
to measure Website performance; and
to ensure Website users are able to communicate with us.

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Where we have a legal obligation:

to comply with applicable laws and regulations.

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Tab 3.4 - Retention Period

Emails received are automatically removed from the Website’s email inbox after thirty (30) days. However, depending on the nature of your correspondence or our obligations, the Retention Period may be longer.

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Section 4 - Employees and Potential Employees

Employee Information

Recruitment Information

CV
Interview questions and interview notes
Offer Letter

Payroll information

Payroll records(including payroll records, bank account details, tax codes, salary, expenses)

Personnel Files

Copy of passport (or other right to work documentation) and driver’s licence
Redundancy details, calculations of payments and refunds
Sick certificates and self declarations
References
Bankruptcy Check results
Criminal Record Check results
Contract of Employment
Confidentiality Letters (including Non-disclosure agreements)
Name, address, personal email and telephone number
TFN (we do not use government related identifiers as our own identifiers except as permitted).
Date of birth
Details of next of kin
Qualification certificates
Performance scoring/rating documents
Disciplinary warning and investigations
Grievances
Absence data
Training Completion details
Maternity and Paternity details.

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Tab 4.2 - Who we share it with

Glow Affiliates:

Glow personnel in other companies within the Glow group may process your personnel information on our behalf. Certain personnel may be based outside of Australia (please see section 9: ‘Where we process your information’).

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Payroll Providers:

We share your payroll information and relevant information from your personnel file with our payroll provider which is a third-party provider that supports us in carrying out our payroll activities.

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Vetting Agency

We share relevant information from your personnel file with Verifile Vetting Agency in order to verify information we receive from you is accurate.

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Regulators

We may share relevant personal information, where we are obligated to do so, with relevant regulatory bodies or law enforcement officers. This may include: a copy of your passport, bankruptcy check results, criminal record check results, name, address, personal email, telephone number, TFN, and disciplinary warnings and investigations (if applicable). We do not use government related identifiers as our own identifiers except as permitted.

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Tab 4.3 - Why we collect it

Where we have a legitimate interest:

to establish suitability of potential employees for the role advertised and interviewed for;
to record questions asked during the interview process and to ensure we are compliant with relevant equality and discrimination legislation where applicable;
to record what was contractually offered/committed to potential employees; and
to enable payments to be processed and be made.

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Where we have a legal obligation:

to ensure that we as employers are able to perform our contractual duties to our employees; and
to comply with the relevant employment legislation.

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Tab 4.4 - Retention Period

At a minimum, Glow retains employee information for two (2) years after the date employment ceases. However, in order to meet our regulatory requirements, there is some information that we retain for up to seven (7) years after the date employment ceasing.

Information relating to disciplinary warnings are retained for nine (9) months after expiry of the warning. Information relating to disciplinary investigation is retained for 12 months after completion of investigation. Information relating to grievances is retained for 12 months after completion.

Section 5 – Personnel of our Corporate Clients‍

Business Contact information

Your name, surname, title and job role
Your contact details such as your address, email address, telephone number(s)

Information relating to your access and use of our services, including but not limited to:

Your IP address
Your location
Device type
Software used; and
User name and password.

Tab 5.2 - Who we share it with

Glow Affiliates:

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Third Party Service Providers:

There may be occasions where our third-party service providers may process personal information for example in providing support to users of our systems.

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Tab 5.3 - Why we collect it

Where we have a legitimate interest:

to provide our service to our Corporate Client and to fulfil our contractual obligations to our Corporate Clients;
to ensure secure access to our systems; and
for legal and regulatory purposes.

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Tab 5.4 - Retention Period

We may retain business contact information of Corporate Clients’ personnel for over seven (7) years following the end of the provision of our services to our Corporate Client.

Section 6 - Third-Parties‍

What and how we collect

Tab 6.1 - What and how we collect

Business Contact information

Your name, surname, title and job role
Your contact details such as your address, email address, telephone number(s)

Information relating to your access and use of our services, including but not limited to:

Your IP address
Your location
Device type
Software used; and
Username and password.

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Tab 6.2 - Who we share it with

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Glow Affiliates:

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Corporate Clients:

There may be occasions where we need to share personal data with our Corporate Client for example where our supplier’s personnel are involved in the provision of services to our Corporate Client.

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Tab 6.3 - Why we collect it

Where we have a legitimate interest:

to contact our third-party service providers, to receive your services and to fulfil our contractual obligations;
to ensure secure access to our systems; and
for legal and regulatory purposes.

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Tab 6.4 - Retention Period

We may retain business contact information of our service provider’s personnel for over seven (7) years following the end of the service contract.

Section 7 – How we market Glow's products and services‍

Glow may send you marketing promotions about products and services (including Glow products and services) where you have provided your consent to do so either to us or our Corporate Clients. We comply with APP 7 and the Spam Act 2003 (Cth). You may opt-out by contacting us or by the opt-out function in our marking messages. Glow may share your personal information with our Corporate Client for the purposes of our Corporate Client contacting you with marketing promotions.

Section 8 - How we use automated decision-making‍

We do not use any automated decision-making in relation to our Website users, employees, potential employees, Corporate Clients, or third-parties. Automated decision making that may occur in an application context is governed by the relevant brand policy, see section 2.

Section 9– Where we process your information

We may disclose personal information to services providers located outside of Australia, for example for our hosting, analytics, and group IT. Where we disclose personal information overseas, we take reasonable steps to ensure the recipient does not breach the APPs and unless an exception applies we may be accountable for their handling. We name destination countries where practicable.

Information relating to your access and use of our services (including your IP address, your location, and the device being used) may be processed in the UK, the US, Ireland, the Netherlands, the Philippines and Germany.

Please contact our data protection team at dataprotection@glowgfs.com if you want further information on the specific mechanism used by us when transferring your personal data out of Australia.

Section 10 – Your legal rights in relation to your information

You have several rights under the APPs that you may wish to exercise. These include the right to:

Access or obtain copies of your personal information;
Request inaccurate information about you corrected; and
Complain about our handling of your personal information.

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Please contact us at dataprotection@glowgfs.com if you would like to exercise any of your rights in relation to your personal information. We are allowed to charge a reasonable fee if your request for access is manifestly unfounded or excessive.

We sometimes need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is an appropriate security measure to ensure that your personal information is not disclosed to any person who has no right to receive it.

We will act upon the request within a reasonable timeframe.

It is also important that the personal information we hold about you is accurate and current. You need to keep us informed if your personal contact information changes by emailing dataprotection@glowgfs.com.

If you are dissatisfied by Glow in relation to the handlining of your personal information, you can complain to the Office of the Australian Information Commissioner (“OAIC”). See www.oaic.gov. au for details.

Section 11 – Keeping you up to date

We keep this Policy under regular review. We may change this Policy from time to time by updating it to reflect changes in the law and/or our privacy practices. The date at the top of this Policy will be updated accordingly and we encourage you to check this from time to time for any updates or changes. We may also contact you to let you know that we have updated the Policy. We may also take that opportunity to ask you if you would like to update your marketing preferences.

Section 12 – Contacting Us

Privacy enquires/requests: If you have any questions regarding our Privacy Policy, please email us at dataprotection@glowgfs.com.

Complaints: If you believe we have breached the APPs, contact us first. If unresolved, you may contact the OAIC, www.oaic.gov.au

Section 13 – All changes to this Policy

August 2025:

This is the first version of the Website Privacy Policy for Australia.

Glow Financial Services (Australia) Pty Ltd, ACN 668 894 504, is an Australian company, address c/o SW Accountants, Level 7, 88 Phillip Street, Sydney, NSW, 2000. Glow Financial Services Australia is authorised and regulated by the Australian Securities & Investments Commission, Australian Credit Licence number 552067.

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