Privacy Policy

Who are we?

‘We’, ‘us’ and ‘our’ refer to Capital Crest Finance Pty Ltd ABN 36 679 696 167, Australian Credit Licence Number 384704, and our related businesses.

Our commitment to protect your privacy

At Capital Crest Finance Pty Ltd, we recognise the significance of the personal and private details you share with us. We prioritise your sense of security when interacting with us. Equally important is your understanding of how we safeguard your privacy and utilise your information. Therefore, our personal information policies are crafted to ensure your full protection under Australian privacy legislation.

We are committed to adhering to the Australian Privacy Principles as outlined in the Privacy Act and any other relevant laws to protect personal information.

Personal information

When we mention personal information, we refer to data from which your identity can be reasonably determined. This may include details or opinions about you. The persona l information we possess might also encompass credit information.

Credit information refers to data used to evaluate your eligibility for financial services. This can include any outstanding loans, your repayment history, and any defaults. Typically, credit information is shared between credit and finance providers and credit report ing bodies.

The types of personal information we might collect include your name, date of birth, address, account details, occupation, and any other necessary identifiers

If you are seeking finance, we may also gather information regarding the ages and number of your dependents and cohabitants, the duration of your stay at your current residence, your employment details, and proof of income and expenses. Should you apply for any insurance product through us, we might also collect your health information, which will only be obtained with your consent.

Why we collect your personal information?

We gather personal information when you apply to join our network or for assessing your finance application and managing that finance. Additionally, we may collect your personal information for direct marketing purposes and to manage our relationship with you. Occasionally, we might offer you additional products and services.

To maintain a successful business relationship with you, we might share your personal information with other organisations that provide or market products or services with us.

Furthermore, we may disclose your personal information to any organisation that has, or is considering, an interest in your finance or in our business.

How do we collect your personal information?

Whenever possible and practical, we will gather your personal information directly from you. Additionally, we may obtain your personal information from finance brokers and other profes sionals like accountants and lawyers.

Do we disclose your personal information?

We may disclose your personal information:

to prospective funders or other intermediaries in relation to your finance requirements;

to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call cent res;

to associated businesses that may want to market products to you;

to companies that provide information and infrastructure systems to us;

to anybody who represents you, such as finance brokers, lawyers and accountants;

to anyone, where you have provided us consent;

where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);

to investors, agents or advisers, or any entity that has an interest in our business; or to your employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

• the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
• you have consented to us making the disclosure.

We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.

We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.

Direct marketing

Occasionally, we may utilise your personal information to update you about financial updates, offers of potential interest, organisational changes, or new products and services provided by us or our affiliated companies.

Should you prefer not to receive marketing communications, you can opt out at any time by contacting us at mohit@capitalcrest.com.au. For email marketing, the unsubscribe option is also available. We will not impose any charges for processing your request and will make every reasonable effort to fulfill it promptly.

Updating your personal information

We prioritise ensuring that the personal information we possess about you is current and accurate. Throughout our engagement with you, we may request that you notify us of any updates to your personal details.

Should you need to amend any of your personal information, please reach out to us. We rely on you to help maintain the accuracy and completeness of the information we have.

Access and correction to your personal information

We are committed to providing you with access to the personal data we maintain about you. You have the right to request this information at any time.

A fee may be applicable to cover the costs associated with retrieving and supplying this information.

Our response time can vary based on the nature of your request. We may need to engage with other entities to thoroughly investigate your request.

Certain circumstances may exempt us from granting access to your personal information, such as when it pertains to ongoing or anticipated legal proceedings, or if the request is deemed vexatious. Should we deny access to the personal information we hold about you, an explanation will be provided.

If you believe that any personal information we hold is incorrect, inaccurate, or outdated, you may request a correction. Where appropriate, we will amend the personal information promptly. If immediate correction is not possible, we will initially respond within seven days of receiving your request. We will inform you of the outcome of our investigation and any corrections made within 30 days, where reasonable.

Our investigation may require consultation with other entities. If we refuse to amend the personal information, we will explain our reasons for not making the correction.

Using government identifiers

If we collect government identifiers, like your tax file number, we will not use or disclose this information unless mandated by law. We will not utilise a government identifier to identify you.

Business without identifying you

In most cases, it is essential for us to identify you to conduct business successfully. However, where it is lawful and practicable, we will provide you the option to engage in business with us without requiring personal information. This may apply, for instance, when you inquire generally about interest rates or current promotiona l offers.

Sensitive information

We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe and secure is your personal information that we hold?

We are committed to safeguarding your personal information by storing it in a secure environment. Your personal information may be stored in both paper and electronic formats. We will take all reasonable measures to protect this information from misuse, loss, and unauthorised access, modification, or disclosure.

Complaints

If you are dissatisfied with our handling of your personal information or have a complaint regarding our compliance with the Privacy Act, you may contact us in writing at mohit@capitalcrest. com.au.

We will acknowledge receipt of your complaint within five business days and a im to provide a resolution within 30 days.

Should you find the outcome unsatisfactory, or if you have not received a response within 30 days, you may escalate the matter to the Australian Financial Complaints Authority (AFCA).

Australian Financial Complaints Authority

Website: www.afca.org.au

Email: info@afca.org.au

Telephone: 1800 931 678

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Further information:

You may request further information about the way we manage your personal information by contacting us.

With the ongoing evolution of technology, law, and marketplace practices, we may revise this privacy policy as necessary.