Privacy Policy

Cumulus Capital Pty Ltd (ABN 16 695 377 229), Credit Representative Number 577081, authorised under Australian Credit Licence Number 389328 ('we','us','our') is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code 2024. This policy explains how we collect, use, disclose, and store your personal information.

We collect personal information that is reasonably necessary to provide our credit assistance services, including:

• Identity information (name, date of birth, address, contact details)
• Financial information (income, employment, assets, liabilities, expenses)
• Credit information (credit history, credit scores, existing loan details)
• Business information (ABN, business structure, financial statements) where applicable
• Identification documents (driver's licence, passport, Medicare card)
• Information collected through our website (IP address, browser type, pages visited)

We collect information directly from you, from third parties with your consent (such as employers, accountants, or other lenders), and from credit reporting bodies.

We use your personal information to:

• Assess your finance requirements and provide credit assistance
• Submit loan applications to lenders on your behalf
• Comply with our obligations under the National Consumer Credit Protection Act 2009
• Meet our Best Interest Duty obligations
• Communicate with you about your application and our services
• Comply with legal and regulatory requirements
• Improve our services

We will not use your information for direct marketing without your consent. You may opt out of marketing communications at any time.

As a credit broker, we may disclose your credit-related personal information to credit reporting bodies including Equifax, illion, and Experian. These bodies may include your information in reports provided to other credit providers. You have the right to:

• Request a free copy of your credit report annually from each credit reporting body
• Request correction of inaccurate information within 30 days
• Request a temporary ban on your credit report if you believe you have been or are likely to be a victim of fraud

We may share your personal information with:

• Lenders and financial institutions for loan assessment
• Our aggregator, Connective Broker Services Pty Ltd (ABN 77 161 731 111)
• Credit reporting bodies (Equifax, illion, Experian)
• Mortgage insurers where required
• Professional advisors (lawyers, accountants) where necessary
• Regulatory bodies (ASIC, AFCA) as required by law

We do not sell your personal information to third parties. We take reasonable steps to ensure overseas recipients of your information comply with the APPs.

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. We retain personal information for as long as necessary to provide our services and comply with our legal obligations, including a minimum of 7 years as required under the NCCP Act.

Under the Australian Privacy Principles, you have the right to:

• Access your personal information held by us
• Request correction of inaccurate, incomplete, or out-of-date information
• Withdraw consent for direct marketing at any time
• Lodge a complaint about our handling of your personal information

To exercise these rights, contact us at privacy@cumuluscapital.com.au.

Our website uses cookies and similar technologies to improve your experience and analyse website usage. These may collect technical information including your IP address, browser type, and pages visited. You can manage cookie preferences through your browser settings.

If you believe we have breached the Australian Privacy Principles, please contact our Privacy Officer at privacy@cumuluscapital.com.au. We will investigate and respond within 30 days.

If you are not satisfied with our response, you may lodge a complaint with:

• The Australian Financial Complaints Authority (AFCA): 1800 931 678 or www.afca.org.au (member number 121049)
• The Office of the Australian Information Commissioner (OAIC): 1300 363 992 or www.oaic.gov.au