{"id":469,"date":"2025-10-16T23:48:14","date_gmt":"2025-10-16T23:48:14","guid":{"rendered":"https:\/\/nocapfinance.au\/?page_id=469"},"modified":"2025-10-21T04:31:39","modified_gmt":"2025-10-21T04:31:39","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/nocapfinance.au\/index.php\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><strong>No Cap Finance Pty Ltd<\/strong><br>ABN 96 647 086 155<br>Credit Representative 543493 is authorised under Australian Credit Licence 384704<br>PO Box 1722, Broadbeach QLD 4218<br>Email: <a>info@nocapfinance.au<\/a><br>Website: <a href=\"https:\/\/nocapfinance.au\">nocapfinance.au<\/a><\/h4>\n\n\n\n<p><em>Last updated: 21 October 2025<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1. Overview<\/h2>\n\n\n\n<p>No Cap Finance Pty Ltd (\u201cwe\u201d, \u201cour\u201d, \u201cus\u201d) respects your privacy and is committed to protecting your personal information in accordance with the <strong>Privacy Act 1988 (Cth)<\/strong> and the <strong>Australian Privacy Principles (APPs)<\/strong>.<\/p>\n\n\n\n<p>This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you visit our website or engage our services.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2. What Information We Collect<\/h2>\n\n\n\n<p>We may collect personal and sensitive information including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Full name, contact details, and date of birth<\/li>\n\n\n\n<li>Employment, income, and financial details<\/li>\n\n\n\n<li>Credit history and identification documents<\/li>\n\n\n\n<li>Property and loan information<\/li>\n\n\n\n<li>IP address, browser type, and website usage data (via cookies and analytics tools)<\/li>\n<\/ul>\n\n\n\n<p>We only collect information necessary to provide our services or meet our legal obligations.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3. How We Collect Information<\/h2>\n\n\n\n<p>We collect information directly from you when you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Submit an online enquiry or loan application<\/li>\n\n\n\n<li>Communicate with us by phone, email, or in person<\/li>\n\n\n\n<li>Authorise us to obtain your credit report or supporting documentation<\/li>\n<\/ul>\n\n\n\n<p>We may also collect information from third parties, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit reporting agencies<\/li>\n\n\n\n<li>Lenders and financial institutions<\/li>\n\n\n\n<li>Referrers and aggregators (with your consent)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4. Purpose of Collection<\/h2>\n\n\n\n<p>We collect, use, and store your information to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assess your financial situation and eligibility for finance<\/li>\n\n\n\n<li>Prepare and submit credit applications to lenders<\/li>\n\n\n\n<li>Communicate with you regarding your loan or enquiry<\/li>\n\n\n\n<li>Meet legal and regulatory obligations (including those imposed by ASIC, AUSTRAC, and the NCCP Act)<\/li>\n\n\n\n<li>Improve our website and services<\/li>\n\n\n\n<li>Conduct marketing (where you have consented)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. Disclosure of Information<\/h2>\n\n\n\n<p>We may disclose your information to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lenders, aggregators, and credit reporting bodies<\/li>\n\n\n\n<li>Accountants, solicitors, or other service providers involved in your finance process<\/li>\n\n\n\n<li>Regulatory bodies such as ASIC or AUSTRAC where required<\/li>\n\n\n\n<li>IT, marketing, or data storage providers (including overseas cloud services)<\/li>\n<\/ul>\n\n\n\n<p>All third parties handling your information are required to protect it in accordance with Australian privacy standards.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. Overseas Disclosure<\/h2>\n\n\n\n<p>Some service providers we use (such as email or cloud hosting) may store or process data overseas.<br>We take reasonable steps to ensure those providers comply with the Australian Privacy Principles.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">7. Website Tracking, Cookies, and Analytics<\/h2>\n\n\n\n<p>Our website uses cookies, Google Analytics, and Meta Pixel to collect information about user behaviour and site performance.<br>This data helps us improve marketing and customer experience. You can disable cookies in your browser settings.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">8. Direct Marketing<\/h2>\n\n\n\n<p>We may send marketing communications about our products and services that we believe may interest you.<br>You can opt out at any time by clicking \u201cunsubscribe\u201d in our emails or contacting us directly.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">9. Security of Your Information<\/h2>\n\n\n\n<p>We take reasonable technical and organisational measures to protect your personal information from unauthorised access, misuse, loss, or disclosure.<br>All electronic data is stored in secure systems, and staff are trained in confidentiality procedures.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">10. Access and Correction<\/h2>\n\n\n\n<p>You may request access to the personal information we hold about you or ask us to correct any inaccurate or incomplete information.<br>Requests should be made in writing to <strong><a>info@nocapfinance.au<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">11. Complaints<\/h2>\n\n\n\n<p>If you believe we have breached your privacy rights, please contact us using the details below.<br>We will acknowledge your complaint within 7 days and aim to resolve it within 30 days.<br>If you are unsatisfied with our response, you may contact:<br><strong>Office of the Australian Information Commissioner (OAIC)<\/strong><br>Website: <a>www.oaic.gov.au<\/a><br>Phone: 1300 363 992<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">12. Changes to This Policy<\/h2>\n\n\n\n<p>We may update this Privacy Policy from time to time. The latest version will always be available on our website.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">13. Contact Us<\/h2>\n\n\n\n<p>\ud83d\udce7 <strong>Email:<\/strong> <a>info@nocapfinance.au<\/a><br>\ud83d\udcee <strong>Mail:<\/strong> PO Box 1722, Broadbeach QLD 4218<\/p>\n","protected":false},"excerpt":{"rendered":"<p>No Cap Finance Pty LtdABN 96 647 086 155Credit Representative 543493 is authorised under Australian Credit Licence 384704PO Box 1722, Broadbeach QLD 4218Email: info@nocapfinance.auWebsite: nocapfinance.au Last updated: 21 October 2025 1. Overview No Cap Finance Pty Ltd (\u201cwe\u201d, \u201cour\u201d, \u201cus\u201d) respects your privacy and is committed to protecting your personal information in accordance with the&hellip;&nbsp;<a href=\"https:\/\/nocapfinance.au\/index.php\/privacy-policy\/\" rel=\"bookmark\"><span class=\"screen-reader-text\">Privacy Policy<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-469","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/pages\/469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/comments?post=469"}],"version-history":[{"count":2,"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/pages\/469\/revisions"}],"predecessor-version":[{"id":581,"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/pages\/469\/revisions\/581"}],"wp:attachment":[{"href":"https:\/\/nocapfinance.au\/index.php\/wp-json\/wp\/v2\/media?parent=469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}