Privacy Policy

Last updated: 18 March 2026

1. Who we are

Monergise provides software, workflow, administration and document-management tools for private lending, investor administration, deal management, reporting and related operational processes.

Contact us at: hello@monergise.com.au

2. What this policy applies to

This policy applies to personal information we collect or hold through our website, hosted software platform, onboarding flows, support channels, integrations, application forms, uploaded documents and related communications.

3. The kinds of personal information we collect and hold

Depending on how Monergise is used, we may collect and hold:

• identity and contact details, including names, email addresses, phone numbers, business names and job titles
• account, login and profile information
• lender, borrower, guarantor, director, trustee, shareholder, beneficiary and investor information entered into the platform by authorised users
• financial and transaction-related information, including bank account details, payment instructions, investment and loan information, statements, account preferences and related administrative records
• documents and files uploaded to the platform, including application forms, trust deeds, company records, certificates, valuations, legal documents, IDs and supporting evidence
• communications, support requests, notes, audit logs and workflow history
• device, browser, session, usage, diagnostic and security-related information such as IP address, timestamps and activity logs
• other personal information reasonably required to provide, secure, support and improve the platform

4. How we collect personal information

We may collect personal information:

• directly from you when you create an account, use the platform, fill out a form, upload documents, request support or communicate with us
• from your organisation or authorised platform administrators
• from lenders, borrowers, investors and their representatives who use the platform
• through integrations and connected service providers used with the platform
• through cookies, logs, analytics, security monitoring and similar technologies
• from publicly available sources, regulators, advisers, service providers or third parties where lawful and reasonably necessary

5. Why we collect, hold, use and disclose personal information

We collect, hold, use and disclose personal information for purposes including to:

• provide, host, operate, maintain and improve the Monergise platform
• create and administer accounts, permissions, entities, deals, users, folders, statements, workflows, reports and system records
• facilitate lender, borrower and investor administration processes initiated by authorised users
• generate documents, calculations, outputs, notifications, onboarding flows and related software functionality
• respond to enquiries, provide support, troubleshoot issues and communicate with users
• maintain audit trails, fraud controls, access controls, platform security and operational resilience
• comply with legal, regulatory, risk-management and contractual obligations
• enforce our terms, investigate misuse and protect our rights, users and systems

6. When we may disclose personal information

We may disclose personal information to:

• your organisation and its authorised users or administrators
• lenders, borrowers, investors and their authorised representatives where disclosure is part of the platform workflow or user instructions
• service providers and contractors who help us provide infrastructure, hosting, storage, analytics, communications, identity verification, document services, development, support, payments or security services
• professional advisers, auditors, insurers and related counterparties
• courts, regulators, law enforcement bodies, dispute-resolution bodies and government agencies where required or authorised by law
• parties involved in a merger, acquisition, financing, restructuring, sale of business or similar transaction

7. Overseas disclosure

We may disclose personal information to overseas recipients where our service providers, infrastructure providers, support providers or integrations operate outside Australia.

8. Security

We take reasonable technical, organisational and administrative steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps may include access controls, encryption or encryption-at-rest where implemented, audit logging, environment controls, credential controls, segregation of duties, monitoring, backups and incident-response processes.

However, no method of transmission, storage or security control is completely secure. We cannot guarantee absolute security, and you acknowledge that cyber incidents, unauthorised access, software defects, service-provider failures and other security events can still occur.

9. Data quality

We take reasonable steps to ensure the personal information we use or disclose is accurate, up to date, complete and relevant having regard to the purpose of use. We also rely on users and organisations using Monergise to provide accurate and current information and to correct information when it changes.

10. Retention

We retain personal information for as long as reasonably necessary for the purposes described in this policy, to meet legal, regulatory, audit, dispute-resolution, fraud-prevention, backup and enforcement requirements, and as otherwise required or permitted by law.

When personal information is no longer required, we may delete it, de-identify it, archive it, or place it beyond active use, subject to legal and operational retention requirements.

11. Access and correction

You may request access to personal information we hold about you and request corrections if it is inaccurate, out of date, incomplete, irrelevant or misleading, subject to legal and operational limitations.

Requests should be sent to hello@monergise.com.au.

12. Complaints

If you believe we have breached applicable privacy law, please contact us with details of your complaint. We will review the complaint and respond within a reasonable period.

If you are not satisfied with our response, you may be able to contact the Office of the Australian Information Commissioner.

13. Data breaches

If we determine that a data breach affecting personal information is likely to result in serious harm and is otherwise notifiable under applicable law, we may notify affected individuals and relevant regulators as required.

14. Cookies and similar technologies

We may use cookies, local storage, session identifiers, analytics tools and similar technologies to operate the website and platform, maintain sessions, remember preferences, improve performance, monitor usage and support security functions.

15. Third-party sites and services

The platform may contain links to, or integrations with, third-party services. We are not responsible for the privacy practices of those third parties. You should review their privacy policies separately.

16. Changes to this policy

We may update this policy from time to time. The updated version will be posted on this page and will take effect from the time it is published, unless otherwise stated.