Your Privacy Matters

Information We Collect

We collect personal information that is reasonably necessary to provide our credit assistance services. This may include your name, date of birth, contact details (address, phone number, email), employment details, income and financial information, identification documents, credit history, details of assets and liabilities, and information about your financial objectives and requirements.

In some cases, we may also collect sensitive information such as health information (where relevant to your loan application, such as for insurance or seniors lending products) with your consent.

How We Collect Information

We collect your personal information directly from you when you complete an application form, make an inquiry via our website, phone, or email, attend a consultation, provide documents to support your loan application, or subscribe to our communications.

We may also collect information from third parties including your employer, accountant, or solicitor (with your consent), credit reporting bodies, other lenders or financial institutions, and publicly available sources.

How We Use Your Information

We use your personal information to assess your loan application and provide credit assistance, compare and recommend suitable loan products from our panel of lenders, submit your application to selected lenders, communicate with you about your loan and our services, comply with our legal and regulatory obligations, and improve our services and website experience.

We will not use your information for direct marketing without your consent. You can opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails.

Who We Share Your Information With

We may disclose your personal information to lenders on our panel for the purpose of your loan application, our aggregator Australian Finance Group (AFG), credit reporting bodies, mortgage insurers, valuers, solicitors and conveyancers, government bodies as required by law, and our professional advisers (accountants, lawyers).

We do not sell your personal information to third parties. We do not disclose your information overseas unless required for your specific loan application, and we will inform you if this is necessary.

How We Protect Your Information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, and disclosure. Our security measures include secure electronic storage with access controls, secure document handling and disposal procedures, staff training on privacy obligations, and regular review of our security practices.

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. When your information is no longer needed, we take reasonable steps to destroy or de-identify it.

Your Rights

Under the Australian Privacy Principles, you have the right to access the personal information we hold about you, request correction of any information that is inaccurate, incomplete, or out of date, request deletion of your personal information (subject to our legal obligations), withdraw your consent to the use of your information, and make a complaint about our handling of your personal information.

To exercise any of these rights, please contact us using the details below. We will respond to your request within 30 days. We may need to verify your identity before processing your request.

Contact Us

If you have any questions about this Privacy Policy, wish to access or correct your personal information, or want to make a complaint, please contact us:

Phone: 1300 080 180
Email: info@xcelcorp.com.au

If you are not satisfied with our response to your privacy complaint, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by phone on 1300 363 992.