Privacy Policy
Last updated: March 2026
1. Introduction
Buy My Next Car ("we", "us", "our") is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).
By using our website, SMS service, or AI-powered chat, you consent to the practices described in this policy. If you do not agree, please do not use our services.
2. Information We Collect
We collect information that you provide directly through our conversational AI service, including:
- •Identity information: Name, phone number, and optional email address.
- •Vehicle preferences: Budget range, vehicle type, features, and specifications.
- •Financial information: Income bracket, employment status, existing commitments, and proposed down payment (for LVR calculation only).
- •Verification documents: Identity documents, payslips, and bank statements (collected via secure upload when proceeding to broker handoff).
- •Language preference: Your chosen language for communication.
- •Conversation data: Chat transcripts for session resumption and service improvement.
3. How We Use Your Information
Your information is used to:
- •Provide personalised vehicle recommendations based on your preferences and budget.
- •Calculate indicative Loan-to-Value Ratios (LVR) for financing guidance.
- •Enable session resumption so you can continue conversations across visits.
- •Pre-qualify leads for handoff to licensed brokers.
- •Improve our AI service and user experience.
4. AI and Automated Decision-Making
Our service uses AI (large language models) to guide conversations and provide vehicle recommendations. Important disclosures:
- •AI provides indicative guidance only — not formal financial advice or pre-approval.
- •LVR calculations are estimates based on the information you provide and do not constitute a credit assessment.
- •All final lending decisions are made by licensed human brokers who conduct full serviceability assessments.
- •We do not perform external credit bureau checks or credit score pulls.
5. Data Storage and Security
Your data is stored securely on Australian-hosted servers (AWS Sydney region). We implement industry-standard security measures including encryption at rest and in transit, access controls, and regular security audits.
Verification documents are transmitted via secure, encrypted channels and are only accessible to authorised personnel involved in your broker handoff.
6. Disclosure to Third Parties
We may share your information with:
- •Licensed brokers: To complete your vehicle purchase and financing arrangements.
- •Messaging providers: ClickSend for SMS delivery (message content is encrypted).
- •Vehicle data providers: For accurate pricing and valuation information.
We do not sell your personal information to third parties for marketing purposes.
7. Your Rights
Under the Australian Privacy Principles, you have the right to:
- •Access the personal information we hold about you.
- •Request correction of inaccurate information.
- •Opt out of communications at any time by texting STOP.
- •Request deletion of your data and conversation history.
- •Lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
8. Contact Us
For privacy-related enquiries, data access requests, or complaints: