1. Introduction

This Privacy Policy outlines how Flexible Capital collects, uses, discloses, stores, and protects your personal information. It applies to all interactions with our website, products, and services, and assumes you are an Australian resident.

By engaging with Flexible Capital, you consent to the handling of your personal information as described in this policy.

2. Our Commitment to Your Privacy

Flexible Capital is committed to protecting your privacy and ensuring the security of your personal information. We adhere to the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable laws.

Our goal is to be transparent about how we manage your data and to give you control over your personal information.

3. What Personal Information We Collect

Personal information refers to any data that can identify you, including:

• Contact details (name, address, email, phone number)

• Identification details (date of birth, occupation, government-issued IDs)

• Financial information (income, expenses, credit history)

• Credit-related data (loan applications, repayment history, defaults)

If you apply for financial services, we may also collect:

• Employment details

• Dependents and living situation

• Proof of earnings and liabilities

4. Why We Collect Your Information

We collect and use your personal information for purposes such as:

• Assessing applications for financial products

• Managing your account(s) and services

• Complying with legal and regulatory obligations

• Improving our products, services, and website

• Direct marketing (with your consent)

5. How We Collect Your Information

We aim to collect information directly from you where possible. However, we may also obtain data from:

• Financial institutions

• Credit reporting bodies

• Employers, accountants, or legal representatives

• Publicly available sources

6. Website and Data Tracking

When you visit our website, we may collect:

• Traffic data (e.g., visit duration, pages viewed)

• Device and browser information (e.g., IP address)

• Cookies (to enhance user experience)

This data is anonymous and not linked to your identity unless you provide personal details (e.g., via a contact form).

7. Disclosure of Your Information

We may share your information with:

• Credit providers and reporting agencies

• Service providers (e.g., IT, legal, or marketing firms)

• Regulatory or government authorities (if required by law)

We do not sell your personal information to third parties.

8. Security and Storage

Flexible Capital employs secure systems to protect your data from misuse, loss, or unauthorized access. We retain information only as long as necessary for legal or business purposes.

9. Your Rights

You have the right to:

• Access or correct your personal information

• Opt out of direct marketing

• Make a complaint about privacy practices

To exercise these rights, contact us at rod.b@flexiblecapital.com.au

10. Updates to This Policy

We may update this Privacy Policy periodically. The latest version will always be available on our website.