Last updated: October 2026
Your privacy is important to us, and we know that it is important to you.
Thriver Finance is a trading name of Cultivate Leads Pty Ltd (ABN 21 619 173 170). In this policy, "we", "us" and "our" mean Cultivate Leads Pty Ltd trading as Thriver Finance.
This Privacy Policy explains how we collect, use and protect your personal information in accordance with the Privacy Act 1988 and the Australian Privacy Principles. By accessing our websites, you consent to us collecting, maintaining, using and disclosing personal information about you. We may make changes to this Privacy Policy from time to time. We will display the current version on our website, www.thriver.finance.
We may collect and hold personal information about individuals, including name, address, phone numbers, email addresses, occupation, bank account details, driver's licence details and credit information (if expressly authorised).
We generally collect your personal information directly from you, through the applications, questionnaires and other forms you complete and through phone calls, correspondence and meetings. We may also collect it from third parties.
If we are provided with personal information about you from a third party, we will take reasonable steps to ensure that you are or have been made aware of the matters set out in this Privacy Policy. You may also appoint us as your agent to obtain credit information about you from a credit reporting body or credit provider, to assist us in providing services to you.
We will only collect sensitive information about you with your express consent or if exempted by the Australian Privacy Principles, such as if the collection is required or authorised by law.
If the personal information we request is not provided, we may not be able to provide you with our services.
We may receive unsolicited personal information about you. We destroy all unsolicited personal information, unless the personal information is relevant to the purposes for which we collect your personal information.
We may collect personal information from our website, www.thriver.finance, and when we receive emails and online forms. We may also use third parties to analyse traffic at the website, which may involve the use of cookies. A cookie is a small amount of data that is sent to your browser from a website's computer and stored on your computer's hard drive. Cookies are used to collect statistical information and to allow us to recognise you when you return.
We will seek to ensure that your personal information is protected from misuse, interference, loss, unauthorised access, modification or disclosure, whether held by us or by our service providers in Australia and overseas.
Your personal information may be stored by third-party data storage providers. Our service providers include cloud-based software, data storage and artificial intelligence services. Some of them store or process information outside Australia. Your personal information may be combined or linked to other information held about you in a client file. Computer-stored information is protected through the use of passwords and the access controls of the systems we use. We limit access to your personal information to those staff members and third parties who need to know in order to conduct our business and service your account. Where we no longer require the personal information for the purpose for which we collected it, we will take reasonable steps to destroy it.
We may collect, hold, use and disclose your information to:
Our service providers may handle your personal information. We prohibit them from using that information other than for the specific purpose for which we supply it.
Wherever possible, we will attempt to deidentify sensitive information we use. We will take reasonable steps to delete all personal information about you when it is no longer needed.
You may gain access to the personal information that we hold about you by contacting us. We will either provide you with access within 30 days or, if we refuse to provide the information, we will provide you with reasons why we have refused. We require that you verify your identity before we provide you with your personal information and that you clearly specify the information to which you want access.
We encourage you to contact us to update any personal information we hold about you, so that we can correct it. If we correct information that has previously been disclosed to another entity, we will notify the other entity within a reasonable period of the correction. Where we are satisfied that the information is inaccurate, we will take reasonable steps to correct the information within 30 days, unless you agree otherwise. We will not charge you for correcting the information.
We may disclose personal information to a related body corporate, an agent, contractor or service provider we engage to carry out our functions and activities, such as our lawyers, accountants, debt collectors or other advisers, organisations involved in a transfer or sale of all or part of our assets or business, organisations involved in managing payments, including payment merchants and other financial institutions such as banks, regulatory bodies, government agencies, law enforcement bodies and courts, financial product issuers and credit providers. We may also disclose it to anyone you authorise us to disclose it to, or where the law requires it.
We will not send personal information to recipients outside of Australia unless:
We may disclose your personal information to our service providers that are based overseas, particularly in the Philippines and the United States.
We use cookies and other technology to store your preferences, record session information and record user-specific information on which of our pages you access. We may also use third-party cookies to help us refine our marketing and messaging through inline advertising. The information we collect is used to provide you with services and improve the content of our website. It may be used to contact consumers for marketing purposes. If you prefer not to make this information available, you can opt out of our advertising features through settings in your browser. If you do not accept a cookie, it may affect how well our website works for you.
If you think we have mishandled your personal information, please contact us first using the details below and tell us what happened. We will acknowledge your complaint, look into it and respond to you in writing.
If you are not satisfied with our response, or we have not responded within 30 days, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) on 1300 363 992 or at www.oaic.gov.au.
Thriver Finance
4 Southport Street, West Leederville WA 6007
Phone: 08 6243 0079
Email: [email protected]