Last updated: 24 August 2026
Raynor Lending Solutions ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or communicate with us, including via SMS/text messaging.
We may collect the following personal information when you interact with us:
We use the information we collect to:
AI-assisted note-taking is part of how we provide our services. We may use Granola during phone calls, video calls and in-person meetings to create a transcript and file notes. This helps us keep accurate records and manage the services we provide to you.
Granola processes audio only long enough to create the transcript. We don't keep an audio recording. The transcript and notes may form part of our client records and may contain personal, financial or other information discussed during the conversation.
Granola and its transcription and AI service providers may process this information outside Australia, including in the United States. You can read more in Granola's security and privacy information.
If you are not comfortable with AI-assisted note-taking, please tell us before a call or meeting. We may be unable to provide services without this process.
By providing your mobile phone number and submitting a form on our website, you consent to receive SMS/text messages from Raynor Lending Solutions. These messages may include:
Message frequency may vary. Message and data rates may apply.
You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. After opting out, you will receive one final confirmation message and will no longer receive SMS messages from us unless you re-subscribe.
For help, reply HELP to any message or contact us at jai@raynorlendingsolutions.com.au or call 0433 967 807.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorised access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
You have the right to:
Our own website analytics does not set cookies or create a visitor profile. It records only daily aggregate counts so we can understand which pages and tools are useful, whether important journeys are working, and how quickly the site loads.
The aggregate record may include the page path without its query string, a broad source category such as Google, Reddit or direct, a broad device category, selected high-level actions such as opening a calculator or booking page, successful website forms, and rounded Core Web Vitals. We do not put names, contact details, form contents, full referring URLs, query strings, browser identifiers, user-agent strings or IP addresses into our analytics store.
The Cost to Complete Calculator and Repayment Planner can save one set of inputs in this browser when you choose “Save on this device”. These figures stay on this device until you replace them, delete them in the planner or clear site data. They are not sent with analytics. Anyone using the same browser could restore them. If you separately request an emailed result, the selected summary is processed to provide that email.
To recognise an arrival from Reddit or a client link as you move between pages, our own analytics keeps only a broad source category in session storage for that browser tab. It contains no calculator figures or visitor identifier.
Analytics is collected only on the live Raynor Lending Solutions domain. Daily aggregates are stored with our hosting provider, Netlify, and records older than 395 days are automatically removed. Netlify may process technical request information, including IP addresses, to deliver and secure the hosting service and to enforce request rate limits, but our analytics application does not read or save those IP addresses.
We also use PostHog, a product analytics service, to understand how visitors move through the site and where pages or calculators could be clearer. PostHog may set cookies and collect usage information such as pages visited, clicks, device and browser type, and an approximate location worked out from your IP address. It can also record how a page was used in a session replay, with keystrokes and form entries masked. This information is processed and stored by PostHog on servers in the United States. We do not send names, contact details or the contents of your form submissions to PostHog. You can read PostHog's privacy policy at posthog.com/privacy.
Some pages contain third-party services, such as Calendly for appointment booking, YouTube for videos and EmbedSocial for reviews. When an embed loads, its provider receives connection information such as your IP address and browser details, and may use cookies under its own privacy terms. See EmbedSocial’s privacy policy and Google’s privacy policy. You can also contact us directly without using those embeds.
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us: