Privacy Policy

1. Respecting your privacy

We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Go Capital Finance and its brokers.

This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.

As a finance broker operating in Australia, we are bound by the Privacy Act 1988 and the Australian Privacy Principles (APPs). This Privacy Policy outlines how we collect, use, disclose, and manage your personal information.

2. What Personal Information We Collect

We may collect personal information that is reasonably necessary to provide our services. This may include:

• Financial details such as your tax file number, income, expenses, assets, liabilities.
• Employment details
• Credit information (with your consent)
• Identification documents (e.g., driver’s licence, passport)

The types of information that we collect and hold about you could include:

• ID information such as your name, postal or email address, telephone numbers, and date of birth.
• Other contact details such as social media handles.
• Financial details such as your tax file number, Income, Expenses, Asset & Liability
• Other information we think is necessary.

• When the law authorises or requires us to collect information i.e We may collect information about you because we are required or authorised by law to collect it. There are laws that which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law. 

3. How We Collect Personal Information

Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up to date.

There are a several ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details.

We collect personal information directly from you when you:

• Apply for finance through us
• Contact us via phone, email, or our website
• Complete forms on our website or in-person
• Authorise third parties (e.g., accountants, employers, credit agencies) to provide your information

We may also collect information from third parties, such as:

• Credit reporting bodies
• Financial institutions
• Government agencies (e.g., for identity verification)

What if you don’t want to provide us with your personal information?

If you don’t provide your information to us, it may not be possible:

• For us to give you the credit assistance you seek from us.
• To assist in finding a loan or lease relevant to your circumstances.
• Verify your identity or protect against fraud; or
• To let you know about other products or services that might be suitable for your financial needs.

4. Why We Collect Your Personal Information

We collect and use your personal information to:

• Assess your eligibility for financial products or services
• Submit applications on your behalf to lenders or financial institutions
• Communicate with you about your finance application
• Comply with legal and regulatory obligations (e.g., anti-money laundering laws)
• Improve our services

5. Disclosure of Personal Information

We may disclose your personal information to:

• Lenders and financial institutions
• Credit reporting bodies
• External service providers (e.g., IT, legal, compliance)
• Government or regulatory bodies, as required by law
• Your authorised representatives (e.g., accountant, solicitor)

6. Cross-border Disclosure

We generally do not disclose your personal information to overseas recipients. If we are required to do so, we will take reasonable steps to ensure that the overseas recipient does not breach the Australian Privacy Principles.

7. Storage and Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Your information may be stored in physical files, electronically, or on secure cloud platforms.

8. What happens when we no longer need your information?

We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified.

9. Access and Correction

You have the right to access the personal information we hold about you and request corrections if it is inaccurate, out-of-date, or incomplete. To do so, please contact us using the details below.

10. Privacy Complaints

If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us.

You can contact us by using the details below:

Go Capital Finance
Suite 4, 2 Winterton Road, Clayton, VIC 3168
Phone: +61 (0) 408 772 125
Email: admin@gocapital.com.au

Website: www.gocapital.com.au

We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days.

Need more help?

If you still feel your issue hasn’t been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner:

Online: www.oaic.gov.au/privacy
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
Fax: +61 2 9284 9666
Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601

If you have a concern about how we’ve handled your personal information, please contact us. We will acknowledge your complaint within 7 days and aim to resolve it within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):

Website: https://www.oaic.gov.au
Phone: 1300 363 992

11. Contact Us

We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback.

You can contact us by using the details below:

Go Capital Finance
Suite 4, 2 Winterton Road, Clayton, VIC 3168
Phone: +61 (0) 408 772 125
Email: admin@gocapital.com.au

Website: www.gocapital.com.au

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be published on our website. We encourage you to review our policy periodically.