Privacy Policy

1. Introduction

Astro Capital Finance Pty Ltd (ACN 684 191 777) ("Astro Capital", "we", "us", or "our") is committed to protecting your privacy and handling your personal information in accordance with the Australian Privacy Principles ("APPs") set out in the Privacy Act 1988 (Cth).

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with us, including through our website at astrocapital.com.au, our loan application processes, and any other services we provide.

By using our services or providing your personal information to us, you consent to the collection and use of your information as described in this policy.

2. Information We Collect

We may collect and hold the following types of personal information:

• Personal identification information — your full name, date of birth, residential address, email address, phone number, and copies of identification documents (such as driver's licence or passport)
• Financial information — details of your income, assets, liabilities, existing debts, credit history, bank statements, and taxation records
• Property information — details of the property to be used as security, including valuations, title searches, and ownership records
• Employment information — your occupation, employer details, and employment history
• Business information — ABN, ACN, business financial statements, and director details where applicable
• Website usage data — IP address, browser type, pages visited, and other analytics data collected through cookies and similar technologies

3. How We Collect Information

We collect personal information through a variety of means, including:

• Directly from you — when you submit a loan application, enquiry form, or contact us by phone, email, or through our website
• From your broker or adviser — if your mortgage broker or financial adviser submits an application or enquiry on your behalf
• From third parties — including credit reporting bodies (such as Equifax and Illion), property valuers, solicitors, conveyancers, accountants, and other service providers involved in your loan transaction
• From publicly available sources — such as ASIC registers, property title searches, and court records where relevant to assessing your application
• Through our website — via cookies, analytics tools, and form submissions

4. How We Use Your Information

We use the personal information we collect for the following purposes:

• To assess and process your loan application, including conducting credit checks and verifying your identity
• To manage your loan account, including administering repayments, discharges, and any variations to your loan
• To comply with our legal and regulatory obligations, including anti-money laundering and counter-terrorism financing laws
• To communicate with you about your loan, our products, and services that may be relevant to you
• To improve our products, services, and website functionality
• To manage our business operations, including internal reporting and risk management
• To resolve disputes or enforce our agreements

5. Disclosure of Information

We may disclose your personal information to the following types of organisations:

• Credit reporting bodies — for the purpose of obtaining credit reports and reporting credit-related information
• Solicitors and conveyancers — involved in the settlement and management of your loan
• Property valuers — engaged to assess the value of security properties
• Insurers — where insurance is required or related to your loan
• Regulatory and government bodies — including ASIC, AUSTRAC, and the Australian Taxation Office, where required by law
• Service providers — including IT providers, document storage providers, and communication platforms that assist us in delivering our services
• Your broker or adviser — where they are acting on your behalf in connection with your loan
• Debt recovery agents — in the event of default on your loan obligations

We will not sell your personal information to third parties for marketing purposes. We do not disclose personal information to overseas recipients unless required by law or with your consent.

6. Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. These measures include:

• Secure storage of physical documents in locked facilities
• Electronic data stored on secure, access-controlled systems
• Encryption of sensitive data in transit and at rest
• Staff training on privacy and data protection obligations
• Regular review of our security practices and procedures

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee the absolute security of your data.

7. Access and Correction

You have the right to request access to the personal information we hold about you. You may also request that we correct any information that is inaccurate, out of date, incomplete, irrelevant, or misleading.

To make an access or correction request, please contact our Privacy Officer using the contact details below. We will respond to your request within a reasonable timeframe, and in any case within 30 days as required by the APPs. In some circumstances, we may refuse access or correction in accordance with the Privacy Act, and we will provide you with written reasons if this occurs.

8. Complaints

If you believe we have breached your privacy or mishandled your personal information, you may lodge a complaint with us. Please direct your complaint in writing to our Privacy Officer using the contact details below.

We will acknowledge your complaint within 7 days and investigate the matter promptly. We aim to resolve all complaints within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions about this Privacy Policy or wish to make an access, correction, or complaint request, please contact our Privacy Officer:

• Privacy Officer, Astro Capital Finance Pty Ltd
• Suite 901, 54 Miller Street, North Sydney NSW 2060
• Email: loans@astrocapital.com.au
• Phone: 1300 278 761

You may also wish to review our Terms of Service.