Privacy Policy
ARC Capital Group Pty Ltd – ACN 665 920 490

WHO ARE WE?
‘We’, ‘us’ and ‘our’ refer to ARC Capital Group Pty Ltd ACN 665 920 490 and our related businesses.

OUR COMMITMENT TO PROTECTING YOUR PRIVACY
We understand how important it is to protect your personal information. This document sets out our commitment in respect of the personal information (including credit-related information) we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it for or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles (APPs) and Part IIIA of the Privacy Act, the Privacy (Credit Reporting) Code 2014, and any other relevant law.

PERSONAL INFORMATION
When we refer to personal information, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit-related information.

Credit-related information includes:
– Credit information (identity details, credit type and terms, repayment history, hardship information, defaults, court actions, insolvency)
– Credit eligibility information (data supplied by credit reporting bodies and any information derived from it)

We use this information to assess your eligibility for finance. This data may be exchanged between credit providers and credit reporting bodies.

We may collect personal details including your name, address, date of birth, occupation, account details, device information, location data, IP address, and browsing activity. If applying for finance or acting as a guarantor, we may also collect household and income details. For insurance applications, we may collect health or lifestyle information with your consent.

WHY WE COLLECT YOUR PERSONAL INFORMATION

We collect your personal information to:

  • Assess and manage finance applications
  • Establish your identity
  • Contact you and manage our relationship with you
  • Comply with legal obligations
  • Conduct direct marketing and offer new products or services

HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

 

We collect personal information directly from you wherever practical. We may also obtain information from:

  • Credit reporting bodies
  • Public sources, social media, or public registers
  • Mortgage brokers, employers, accountants, or legal representatives

We will never ask you to supply personal information via public social media platforms.

DO WE DISCLOSE YOUR PERSONAL INFORMATION?
We may disclose your personal information to:

  • Prospective funders or finance intermediaries
  • Service providers (IT, postal, debt recovery, etc.)
  • Marketing partners or associated businesses
  • Accountants, lawyers, brokers or persons acting on your behalf
  • Auditors, insurers, reinsurers
  • Government agencies, regulators, law enforcement
  • Investors or parties interested in your finance
  • Overseas entities providing support services

We take all reasonable steps to ensure that third parties maintain privacy standards equal to ours. Cloud and server data may be stored outside Australia.

CREDIT INFORMATION

We exchange credit-related information to assess finance applications or guarantees. Information may be stored electronically and physically. This data may be stored in cloud systems, potentially hosted overseas.

We may disclose your credit-related information to support partners in:

New Zealand, USA, Canada, Mexico, UK, Ireland, EU, Serbia, Singapore, Philippines, Malaysia, Indonesia, India, and Brazil

NOTIFIABLE MATTERS
We are required by law to notify you:

  • We may disclose your credit-related information to credit reporting bodies
  • This information is used to assess creditworthiness or application status
  • You can request access or correction of your credit-related information
  • You can request not to receive pre-screened credit offers
  • You can request fraud alerts to be placed on your credit file

You may contact these credit reporting bodies:

DIRECT MARKETING
We may use your information to notify you of:

  • Finance products or special offers
  • Organisational updates
  • Services offered by us or associated businesses

To opt out, contact us on 1300 272 168 or email info@arccapitalgroup.com.au. 

Email communications will also contain an unsubscribe option.

UPDATING YOUR PERSONAL INFORMATION
We rely on you to notify us of changes to your personal information. You can request updates at any time by contacting our team.

ACCESS AND CORRECTION TO YOUR PERSONAL AND CREDIT INFORMATION
You may request access to your personal and credit-related information by contacting us via:

  • Phone: 1300 272 168
  • Email: info@arccapitalgroup.com.au

We may charge a fee for processing your request. If corrections are needed, we will usually respond within 7 days and resolve within 30 days.

We may refuse access where it would breach legal or commercial confidentiality. If access is denied, we will provide an explanation.

BUSINESS WITHOUT IDENTIFYING YOU
Where lawful and practical, you may deal with us anonymously (e.g. general inquiries).

SENSITIVE INFORMATION
We will only collect sensitive information with your consent. This includes:

  • Racial or ethnic origin
  • Political or religious beliefs
  • Union or professional memberships
  • Health and criminal records

HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD?
We take reasonable steps to protect your personal information through physical and digital safeguards, including:

  • Secure storage systems (electronic and paper)
  • Access controls and encryption
  • Internal policy training and compliance

COMPLAINTS
If you believe we’ve breached the Privacy Act or the Credit Reporting Code:

  • Phone: 1300 272 168
  • Email: info@arccapitalgroup.com.au

We will acknowledge complaints within 7 days and aim to resolve within 30 days.

If unresolved, you may contact:

  • AFCA (Australian Financial Complaints Authority): 1800 931 678
  • Office of the Australian Information Commissioner (OAIC): 1300 363 992 | www.oaic.gov.au

FURTHER INFORMATION
For more details, contact us directly:

  • Phone: 1300 272 168
  • Email: info@arccapitalgroup.com.au

CHANGES TO OUR PRIVACY AND CREDIT REPORTING POLICY
We regularly review this policy to reflect technology, legal and operational developments. Updates will be published on our website. You may also request this policy in alternative formats.

Product Suitability Policy

Effective Date: 14th May 2025