About Us
Ragsha Pty Ltd ("Ragsha", "we", "us", "our") provides an AI-powered commercial lending assessment platform to financial services businesses including mortgage brokers, commercial brokers, and non-bank lenders in Australia.
Contact: hello@ragsha.com | ragsha.com
What Information We Collect
2.1 Information About Our Customers
- Business name, ABN, and contact details
- Names and email addresses of authorised users
- Billing information where applicable
- Usage data and platform activity logs
2.2 Information Processed on Behalf of Our Customers
Our customers (brokers and lenders) upload financial documents relating to their own clients (borrowers) to our platform for credit assessment purposes. These documents may contain personal information including:
- Names, dates of birth, and contact details of borrowers and guarantors
- Financial information including income, assets, and liabilities
- Tax file numbers and ABNs
- Bank account details and transaction history
- Company and trust structure information
We process this information solely as a service provider on behalf of our customers. Our customers are responsible for ensuring they have obtained appropriate consent from their clients before uploading information to our platform.
How We Use Personal Information
3.1 For Our Customers (Brokers and Lenders)
- To provide and improve the Ragsha platform
- To create and manage user accounts
- To send service-related communications
- To respond to enquiries and provide support
- To comply with legal obligations
3.2 For Borrower Information Uploaded by Our Customers
- To perform automated credit assessment analysis
- To generate financial spreading and ratio calculations
- To identify and flag potential credit risks
- To generate credit assessment reports and memos
We do not sell or share borrower information with third parties. We do not use customer data, borrower information, or assessment outputs to train or improve AI models. All AI processing is performed on infrastructure hosted in Australia.
How We Store and Protect Personal Information
All data processed and stored by Ragsha — including all uploaded documents, extracted data, assessment outputs, and AI processing — is hosted exclusively on cloud infrastructure located in Australia. No personal information is transferred outside of Australia.
- All data stored and processed within Australian data centres — no overseas transfer
- All AI document analysis performed on Australian-hosted infrastructure
- Encryption of all data at rest using AES-256 encryption
- Encryption of all data in transit using TLS 1.2 or higher
- Role-based access controls limiting staff access to personal information
- Immutable audit logging of all access to customer data
- Regular security assessments and vulnerability testing
We retain customer account information for the duration of the customer relationship and for 7 years following termination, in accordance with Australian financial records retention requirements.
Borrower information uploaded to the platform is retained for 7 years following the date of the credit assessment and may be deleted earlier on written request from the relevant customer.
Disclosure of Personal Information
We may disclose personal information to:
- Our employees and contractors who require access to provide the service, subject to confidentiality obligations
- Our cloud infrastructure providers — all of whom operate within Australian data centres
- Law enforcement or regulatory authorities where required by law
We do not disclose personal information to any other third parties without the consent of the relevant customer.
We do not transfer personal information outside of Australia.
Overseas Disclosure
Ragsha does not transfer personal information outside of Australia. All data storage, processing, and AI analysis is performed within cloud infrastructure located in Australia.
If this changes in the future, we will update this Privacy Policy and notify customers before any overseas transfer occurs.
Access and Correction
Individuals have the right to access and request correction of their personal information held by Ragsha.
For information about yourself as a Ragsha customer, please contact us at hello@ragsha.com.
For information about borrowers uploaded to the platform by a broker or lender, please contact the relevant broker or lender directly. They are responsible for responding to access requests from their clients.
Complaints
If you believe we have handled your personal information in a way that does not comply with the Australian Privacy Principles, you may make a complaint by contacting us at hello@ragsha.com.
We will respond to your complaint within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Notifiable Data Breaches
Ragsha complies with the Notifiable Data Breaches scheme under the Privacy Act 1988 (Cth). In the event of a data breach that is likely to result in serious harm to any individual, we will notify the affected individual and the OAIC as required by law, as soon as practicable after becoming aware of the breach, and within 30 days of first suspecting an eligible data breach.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify customers of material changes by email. Continued use of the platform after notification constitutes acceptance of the updated policy.
The current version of this policy is always available at ragsha.com/privacy.
Contact Us
For any questions about this Privacy Policy or how we handle personal information, please contact: