No Cap Finance Pty Ltd
ABN 96 647 086 155
Credit Representative 543493 is authorised under Australian Credit Licence 384704
PO Box 1722, Broadbeach QLD 4218
Email: info@nocapfinance.au
Website: nocapfinance.au
Last updated: 21 October 2025
1. Overview
No Cap Finance Pty Ltd (“we”, “our”, “us”) respects your privacy and is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you visit our website or engage our services.
2. What Information We Collect
We may collect personal and sensitive information including:
- Full name, contact details, and date of birth
- Employment, income, and financial details
- Credit history and identification documents
- Property and loan information
- IP address, browser type, and website usage data (via cookies and analytics tools)
We only collect information necessary to provide our services or meet our legal obligations.
3. How We Collect Information
We collect information directly from you when you:
- Submit an online enquiry or loan application
- Communicate with us by phone, email, or in person
- Authorise us to obtain your credit report or supporting documentation
We may also collect information from third parties, including:
- Credit reporting agencies
- Lenders and financial institutions
- Referrers and aggregators (with your consent)
4. Purpose of Collection
We collect, use, and store your information to:
- Assess your financial situation and eligibility for finance
- Prepare and submit credit applications to lenders
- Communicate with you regarding your loan or enquiry
- Meet legal and regulatory obligations (including those imposed by ASIC, AUSTRAC, and the NCCP Act)
- Improve our website and services
- Conduct marketing (where you have consented)
5. Disclosure of Information
We may disclose your information to:
- Lenders, aggregators, and credit reporting bodies
- Accountants, solicitors, or other service providers involved in your finance process
- Regulatory bodies such as ASIC or AUSTRAC where required
- IT, marketing, or data storage providers (including overseas cloud services)
All third parties handling your information are required to protect it in accordance with Australian privacy standards.
6. Overseas Disclosure
Some service providers we use (such as email or cloud hosting) may store or process data overseas.
We take reasonable steps to ensure those providers comply with the Australian Privacy Principles.
7. Website Tracking, Cookies, and Analytics
Our website uses cookies, Google Analytics, and Meta Pixel to collect information about user behaviour and site performance.
This data helps us improve marketing and customer experience. You can disable cookies in your browser settings.
8. Direct Marketing
We may send marketing communications about our products and services that we believe may interest you.
You can opt out at any time by clicking “unsubscribe” in our emails or contacting us directly.
9. Security of Your Information
We take reasonable technical and organisational measures to protect your personal information from unauthorised access, misuse, loss, or disclosure.
All electronic data is stored in secure systems, and staff are trained in confidentiality procedures.
10. Access and Correction
You may request access to the personal information we hold about you or ask us to correct any inaccurate or incomplete information.
Requests should be made in writing to info@nocapfinance.au.
11. Complaints
If you believe we have breached your privacy rights, please contact us using the details below.
We will acknowledge your complaint within 7 days and aim to resolve it within 30 days.
If you are unsatisfied with our response, you may contact:
Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
Phone: 1300 363 992
12. Changes to This Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website.
13. Contact Us
📧 Email: info@nocapfinance.au
📮 Mail: PO Box 1722, Broadbeach QLD 4218