Privacy Policy

Coastal Financial Consultants

Last updated: 30th Jan 2026

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1. Our Commitment to Your Privacy

Coastal Financial Consultants Pty Ltd ABN 30 686 219 858 ACN 686 219 858 (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information responsibly and transparently.

We are a credit representative of Australian Finance Group Ltd (AFG) ACN 066 385 822, Australian Credit Licence 389087, and operate in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and applicable credit and financial services legislation.

This Privacy Policy explains how we collect, hold, use, disclose, and protect your personal and credit-related information, and how you can access or correct that information or make a privacy complaint.

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2. What Is Personal Information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable.

The personal information we may collect includes (but is not limited to):

• Name, address, date of birth, phone number, and email address

• Identification documents

• Employment, income, and expense details

• Asset and liability information

• Bank statements and financial records

• Taxation and superannuation details

• Insurance, investment, or lending information

• Records of communications with us

• Website usage data such as IP address

 

Credit-Related Information

If you apply for credit or finance, we may also collect credit-related personal information, including:

• Credit reports and credit scores

• Repayment history information

• Credit eligibility and capacity

• Details of current and past credit arrangements

 

3. Sensitive Information

Sensitive information includes information relating to health, medical history, criminal records, racial or ethnic origin, religious beliefs, trade union membership, or sexual orientation.

We generally only collect sensitive information where it is necessary, lawful, and with your explicit consent, for example when arranging personal insurance or meeting regulatory obligations. Sensitive information will only be used or disclosed for the purpose it was provided, unless otherwise permitted by law.

 

4. Tax File Numbers (TFNs)

The collection, storage, and use of Tax File Number (TFN) information is regulated by the Privacy (Tax File Number) Rule 2015.

We will only collect or disclose TFN information where authorised by law (e.g. taxation, superannuation, or government assistance purposes). You are not required to provide your TFN; however, not doing so may result in financial consequences such as higher tax being applied.

 

5. How We Collect Your Information

We collect personal and credit-related information:

• Directly from you when you make enquiries, submit applications, provide documentation, or communicate with us

• Through our website, online forms, phone calls, or emails

• From third parties with your consent, including:

  • Lenders and financial institutions

  • Australian Finance Group Ltd (AFG)

  • Credit reporting bodies

  • Joint applicants or guarantors

  • Referrers and professional advisers (e.g. accountants, solicitors)

  • Identity verification and data aggregation providers

 

6. Why We Collect and Use Your Information

We collect and use your information to:

• Verify your identity

• Understand your financial circumstances

• Assess eligibility for finance or credit

• Arrange mortgage, asset finance, or related services

• Submit and manage applications through AFG and lenders

• Communicate with you about your application or services

• Meet legal, regulatory, and compliance obligations

• Improve our services and customer experience

• Provide information about products or services you may be interested in (where permitted)

 

7. Direct Marketing

We may use your personal information to provide you with updates about our services, products, or relevant financial information.

You may opt out of marketing communications at any time by contacting us, or by using the unsubscribe option included in electronic communications. We will not charge you for opting out and will process your request promptly.

 

8. Disclosure of Personal Information

We may disclose your personal information to:

• Australian Finance Group Ltd (AFG) and its related entities

• Banks, lenders, credit providers, and insurers

• Credit reporting bodies

• Valuers, settlement agents, and insurers

• Technology, CRM, and cloud service providers

• Professional advisers (lawyers, accountants)

• Regulators, courts, tribunals, or government agencies where required by law

• External dispute resolution bodies such as AFCA

• Any person or entity you authorise us to deal with on your behalf

Before disclosing information, we take reasonable steps to ensure recipients handle your information in accordance with privacy laws or that you have consented to the disclosure.

 

9. Overseas Disclosure

Some service providers we use may store or process information outside Australia (including locations such as China, India, the Philippines, Serbia, or Fiji).

Where overseas disclosure occurs, we take reasonable steps to ensure appropriate safeguards are in place to protect your information. You may request further details about overseas recipients by contacting us.

 

10. Data Security and Retention

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure.

Information is stored securely in electronic systems and, where applicable, physical records. Where information is no longer required, we securely destroy or de-identify it in accordance with legal requirements.

 

11. Access and Correction

You may request access to the personal or credit-related information we hold about you and request corrections if the information is inaccurate, incomplete, or out of date.

We will respond to access or correction requests within a reasonable timeframe. A reasonable administrative fee may apply where permitted by law.

 

12. Anonymity

Where lawful and practicable, you may interact with us anonymously or using a pseudonym (for example, when making general enquiries). However, we may need to identify you to provide financial services or comply with legal obligations.

 

13. Credit Reporting

With your consent, we may obtain a credit report from a credit reporting body such as Equifax Pty Ltd. Credit reports assist us in assessing your credit eligibility and suitability for lenders.

You may request a copy of your credit report at any time. Further information about Equifax’s privacy practices is available on their website.

 

14. Complaints

If you have a concern about how we handle your personal information, please contact us first so we can attempt to resolve the issue.

Privacy Officer – Coastal Financial Consultants
Email: lexy@cfcaus.com.au
Phone: 0432 332 541

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We will acknowledge your complaint within one business day and aim to provide a response within 21 business days.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):
Website: www.oaic.gov.au
Phone: 1300 363 992

You may also contact the Australian Financial Complaints Authority (AFCA) for disputes relating to financial services.

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15. Changes to This Privacy Policy

We regularly review this Privacy Policy to ensure it remains current with legal and market developments. We may update it from time to time, and the latest version will always be available on our website. Alternative formats are available on request.

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