Privacy Policy

1. Introduction

Cash Out Loans ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. Information We Collect

We may collect the following types of personal information:

• Identity information: Name, date of birth, identification documents
• Contact information: Address, email, phone number
• Financial information: Income, assets, liabilities, banking details
• Business information: Business name, ABN/ACN, business type, trading history
• Property information: Property addresses, valuations, mortgage details
• Employment information: Employer details, occupation

3. How We Collect Information

We collect personal information:

• Directly from you when you submit an application or enquiry
• Through our website forms and online application portal
• Through phone conversations and email correspondence
• From third parties such as credit reporting bodies, valuers, and other lenders (with your consent)
• From publicly available sources

4. How We Use Your Information

We use your personal information to:

• Assess and process your loan application
• Verify your identity and the information you provide
• Communicate with you about your application or loan
• Arrange property valuations
• Prepare and administer loan documentation
• Comply with legal and regulatory obligations
• Improve our products and services
• Send you marketing communications (with your consent)

5. Disclosure of Information

We may disclose your personal information to:

• Service providers who assist us (valuers, solicitors, settlement agents)
• Credit reporting bodies
• Other lenders (for verification purposes)
• Professional advisors (accountants, lawyers)
• Government and regulatory authorities as required by law
• Potential assignees or transferees of our business

We do not sell your personal information to third parties.

6. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. This includes using secure servers, encryption, access controls, and regular security assessments.

7. Access and Correction

You have the right to access the personal information we hold about you and to request corrections if it is inaccurate, incomplete, or out of date. To make a request, please contact us using the details below.

8. Cookies and Website Analytics

Our website may use cookies and similar technologies to improve your experience and analyse website usage. You can control cookies through your browser settings. We may use third-party analytics services (such as Google Analytics) to understand how visitors use our website.

9. Marketing Communications

With your consent, we may send you marketing communications about our products and services. You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.

10. Complaints

If you believe we have breached your privacy or have a complaint about how we handle your personal information, please contact us. We will investigate and respond to your complaint promptly. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

11. Changes to This Policy

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.

12. Contact Us

If you have any questions about this Privacy Policy or our handling of your personal information, please contact us: