Consumer Data Right policy

Consumer Data Right Policy

Effective Date: 13 July 2026

What is this policy about?

This Consumer Data Right (CDR) Policy explains how Latitude Financial Services (“Latitude”) manages your data under Australia’s Consumer Data Right.

Latitude Financial Services includes:

  • Latitude Finance Australia ABN 42 008 583 588
  • Latitude Personal Finance Pty Ltd ABN 54 008 443 810
  • Latitude Automotive Financial Services ABN 80 004 187 419

This Policy provides you with information on Latitude’s CDR data handling practices, separate from our general Privacy Policy which covers how we handle your personal information outside of the CDR system.

Latitude is a CDR Data Holder (not an Accredited Data Recipient) in the non-bank lending sector. Currently, Latitude only shares product reference data under the CDR — that is, general information about the financial products we offer such as product features, eligibility criteria, rates, fees and terms and conditions. We do not currently share consumer data such as account details, transaction history or personal information under the CDR.

What can you do under the Consumer Data Right?

Latitude currently publishes product reference data — information about the features, terms, rates and fees of our financial products — as required by the CDR Rules. This data is generic product information and does not include any personal or account-specific information.

Voluntary vs Required Data: Latitude does not currently accept requests for voluntary product data — we only share the required CDR product data sets defined by law. This means we will not provide additional product data beyond what is legally mandated. We do not charge fees for any CDR product data requests as we do not offer voluntary data services.

Consumer data sharing: Latitude is not required to share consumer data until 10 May 2027 under the CDR. This means we do not currently facilitate the sharing of customers' personal or account-level information with accredited data recipients. When we enable consumer data sharing in the future, this Policy will be updated to explain how you can authorise, manage and withdraw consent for the sharing of your consumer data, as well as any applicable rights, safeguards and processes.

How can you access CDR product data?

Latitude's CDR product data can be accessed as follows:

  • Product Reference Data APIs: Accredited data recipients and other authorised parties can access our product reference data, via the CDR register.
  • Our Website: General product information is also available on the Latitude website for consumers who wish to compare or review our product offerings.

Note: As we are not currently sharing consumer data under the CDR, there is no consumer authorisation process, Data Sharing Dashboard or joint account data sharing functionality.

Contacting us or raising a complaint

If you have any questions, need assistance, wish to make a request, provide feedback or lodge a complaint, you can contact Latitude free of charge:

  • Online: Use our online form
  • By phone: Call us on 13 10 24 or +61 287 478 178 if calling from overseas between 9:00am and 5:00pm (AEST/AEDT), Monday to Friday. Latitude uses Language Loop interpreting service to enable you to speak in your language, offering over 180 (including over 30 indigenous) language options. We also support the use of the National Relay Service (NRS) to ensure we are accessible for customers who have a hearing or speech impairment.

When submitting a complaint, please include your name, preferred contact method, details of your concern and your desired outcome.

Once we receive your complaint, we will:

  • acknowledge your complaint within 24 hours and provide you with a reference number
  • begin investigating your concern
  • try to resolve your complaint within 30 days. If our investigation takes longer than expected, we will contact you to keep you updated.

If you are not satisfied with the response or resolution to our handling of CDR data, you may lodge a complaint with the OAIC via their website (www.oaic.gov.au), by phone at 1300 363 992 or by mail at GPO Box 5218, Sydney NSW 2001.

If you are generally dissatisfied with our handing of your complaint, you have the right to escalate your complaint to the Australian Financial Complaints Authority (AFCA). AFCA can be contacted by phone at 1800 931 678, via their website (www.afca.org.au) or by mail at GPO Box 3, Melbourne VIC 3001.

How to obtain a copy of this policy

This Policy is available to you free of charge. You can access the latest version at any time: