Date of publication: 19 June 2026

 

Our Consumer Data Right Policy

This Consumer Data Right (CDR) Policy is about Dynamoney Limited (ACN 613 082 698, Australian Credit Licence 521900) and ACN 603 273 365 Pty Ltd ACN 603 273 365 (referred to in this policy as Dynamoney, we, us, our) and our participation in CDR.

Dynamoney is a Data Holder for the purposes of CDR. This means that we hold CDR data about your Dynamoney loans, and, where required by the CDR Rules, we are obligated to share that data with accredited third parties (known as ‘Accredited Data Recipients’ or ‘ADRs’) that you have authorised to receive it.

This policy describes how we manage CDR data that we hold about you in connection with your Dynamoney product, what your rights are under the CDR, and how you can contact us if you have any questions or concerns.

This policy is a separate document to our Privacy Policy. It covers only our obligations and your rights under the CDR framework. For information about how we handle your personal information more broadly, including under the Privacy Act 1988 (Cth), please refer to our Privacy Policy at dynamoney.com

 

What is the Consumer Data Right?

The Consumer Data Right (CDR) is an Australian Government initiative that gives consumers greater control over their data. Under the CDR, you have the right to:

• access data that an organisation holds about you in connection with a product or service;
• correct your consumer data; and
• authorise that data to be shared securely with Accredited Data Recipients nominated by you.

We’re also required to provide public access to information on specific products we offer.

 

How CDR is Being Introduced

Dynamoney’s CDR data sharing obligations are being introduced in stages in line with the government’s phased rollout for non-bank lenders. The obligations that apply to us at any given time will depend on our classification under the CDR Rules and the relevant implementation dates.

We will keep this policy updated as additional CDR data sharing obligations apply to us.

 

What CDR Data We Hold

References in this policy to Product Data and Consumer Data (including accessing, sharing and correcting this data) apply specifically to your rights under the CDR regime.
Information on how:

• we collect, use, hold and disclose your personal information; and
• you can request access to the personal information we hold about you and ask for corrections to be made is set out in the Dynamoney Privacy Policy accessible here Privacy Policy – Dynamoney.

What is Product Data?

Product Data is general information about Dynamoney’s loan products — including information on interest rates, fees, features and loan eligibility criteria.

Any member of the public, or organisation can make a request to access Dynamoney Product Data. You do not have to be a customer of Dynamoney to make the request. Dynamoney Product Information can be used to compare our products with other similar products available in the market.

You can request that Dynamoney provide you with Product Data by using the details under the heading ‘Contact Details’ below. Product Data is disclosed to the person making the request in machine-readable form. We do not charge a fee to access to Dynamoney Product Data.

What is Consumer Data?

Consumer Data is information about you and your use of a Dynamoney product, including:

• your name and contact details;
• your loan account number, product type and account status;
• your loan balance, outstanding amount and scheduled repayments;
• the interest rate applicable to your loan;
• fees and charges associated with your account; and
• your repayment history and direct debit details.

 

Important: Dynamoney’s Consumer Data sharing obligations under the CDR do not commence until 10 May 2027. At this time Dynamoney is unable to share your Consumer Data. However, once Dynamoney has implemented Consumer Data sharing, and you have a Dynamoney loan account held in your own name (including if you are a sole trader), you will be able to authorise Dynamoney to share your Consumer Data with Accredited Data Recipients of your choice. You will also be able to access and correct (where necessary) the Consumer Data which we hold about you. Details of the CDR authorisations that you have provided, along with other relevant information will be accessible by you using our Consumer Dashboard. More information about the Consumer Dashboard will be available when Dynamoney starts to provide Consumer Data sharing. For completeness Dynamoney advises that Consumer Data sharing for joint accounts and accounts held in the name of a company, will not be available initially.

 

This policy will be updated when Dynamoney is able to share your Consumer Data with Accredited Data Recipients.

 

How We Protect Your CDR Data

We take reasonable steps to protect your CDR data by storing it in a secure environment and implementing technical and organisational measures to protect it from misuse, loss and unauthorised access, modification or disclosure.
We will maintain complete records of all authorisations, data disclosures and CDR-related events in accordance with the CDR Rules and applicable law.

 

Further Information and Complaints

We are committed to getting things right. If you have a concern or complaint about the way we have managed your CDR data, or you believe we have not met our CDR obligations, we want to hear from you so we can address it.

 

How to Make a Complaint

You can make a CDR-related complaint at any time using any of the following:

Telephone	1300 001 420
Email	clientservices@dynamoney.com
Online	dynamoney.com/complaints-handling-process
Post	Dynamoney Limited, Level 5, 88 Phillip Street, Sydney NSW 2000

 

What Information to Provide

When lodging your complaint, please include:

• your name and contact details;
• your Dynamoney account number (if applicable);
• a description of your concern, including what occurred, when it occurred and how it has affected you; and
• the outcome you are seeking.

How We Will Handle Your Complaint

Once we receive your complaint, we will acknowledge receipt promptly — generally within 1 business day if made by telephone, or within 2 business days if made in writing. We will investigate your complaint and keep you updated on our progress.

Dynamoney will endeavour to resolve your complaint within 10 calendar days of receipt. If we are unable to do so, we will use all reasonable efforts to resolve it within 30 days and will keep you informed of the reasons for any delay.

The resolution we provide will depend on the nature of your complaint. This may include correcting an error in your CDR data, restoring your access to your Consumer Dashboard, or providing you with a full explanation of how your data was handled.

External Dispute Resolution

If you are not satisfied with the outcome of your complaint, or how we have handled it, you may escalate to one or both of the following external bodies:

Australian Financial Complaints Authority (AFCA) AFCA provides a free and independent dispute resolution service. Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Post: GPO Box 3, Melbourne VIC 3001

Office of the Australian Information Commissioner (OAIC) The OAIC handles complaints relating to CDR data and privacy. Online: www.oaic.gov.au Email: enquiries@oaic.gov.au Phone: 1300 363 992 Post: GPO Box 5218, Sydney NSW 2001

 

Contact Details

If you have any questions about this policy or how we manage your CDR data, please contact us using any of the following:

Telephone 1300 001 420
Email clientservices@dynamoney.com
Website dynamoney.com
Post Level 5, 88 Phillip Street, Sydney NSW 2000

For more information about the Consumer Data Right generally, you can visit the Office of the Australian Information Commissioner’s website at oaic.gov.au or the CDR website at cdr.gov.au.

 

Alternative Formats of Our CDR Policy

If you would prefer to receive a copy of our CDR Policy in an alternative form (such as in hard copy or via email), please contact us on the phone number or email address provided under the section titled ‘Contact Details’ above. We will be pleased to comply with your request.

 

Changes to Our CDR Policy

We are constantly reviewing our policies and will update this policy from time to time as our CDR obligations evolve, our practices change, or the CDR Rules and standards are amended.

We encourage you to visit dynamoney.com regularly to check for the most current version of this policy. If we make material changes, we will take reasonable steps to bring these to your attention.

This policy was last updated in June 2026.