Last updated: 27 July 2026

Cabarita Strategy Pty Ltd (ABN 55 696 197 556), trading as Cabarita Finance, respects your privacy and is committed to handling your personal information responsibly. This policy explains what we collect, how we use it, and how you can contact us about it.

Cabarita Finance operates as a Credit Representative under AFG’s Australian Credit Licence (389087), and we only do business with clients based in Australia.

1. What this policy covers

This policy applies to personal information collected through our website (www.cabaritafinance.com.au and bookings.cabaritafinance.com.au), as well as information you give us directly by phone, email, or in person.

If you become a client and start a loan application with us, you’ll also be given a separate Credit Guide and Privacy Consent as part of that process. Those documents cover how we handle your information specifically during a credit assistance application, including sharing it with lenders. This policy is broader and covers anyone visiting or using our website, whether you become a client or not.

2. Information we collect

Depending on how you interact with us, we may collect:

• Your name, email address, and phone number, when you fill in a contact form or enquiry form
• Details you provide through our quote or borrowing calculators
• Booking details when you schedule an appointment through bookings.cabaritafinance.com.au
• Financial and employment information you provide once you start a loan enquiry or application
• Technical information such as your IP address, browser type, and how you use our site, collected through website analytics and cookies

We only collect sensitive information (like health information relevant to a loan application) where it’s reasonably necessary and with your consent.

3. How we use your information

We use your information to:

• Respond to your enquiries and get in touch with you
• Assess your borrowing needs and, where you engage us, prepare and submit loan applications on your behalf
• Manage bookings and appointments
• Improve our website and services
• Send you relevant updates, if you’ve opted in to hear from us (you can opt out any time)
• Meet our legal and regulatory obligations as a Credit Representative, including obligations under the National Consumer Credit Protection Act

4. Who we share it with

We may disclose your personal information to:

• AFG, our credit licensee and aggregator, for compliance and administrative purposes
• Lenders and their representatives, where you’ve engaged us to help arrange finance
• Credit reporting bodies, where relevant to assessing a credit application, in line with the Privacy (Credit Reporting) Code
• Service providers who help us run our business, such as our website host, email provider, and booking software
• Government or regulatory bodies, where required by law

We don’t sell your personal information to third parties.

5. Storage and overseas disclosure

We take reasonable steps to keep your personal information secure. Some of the third-party service providers we use to run our website and business (such as hosting and email delivery) may store or process data on servers located outside Australia. Where this is the case, we take reasonable steps to ensure your information is handled consistently with the Australian Privacy Principles.

6. Cookies and analytics

Our website may use cookies and similar tools to understand how visitors use the site and to improve your experience. You can adjust your browser settings to block or delete cookies, though some parts of the site may not work as well if you do.

7. Accessing and correcting your information

You can ask us for access to the personal information we hold about you, or ask us to correct it if it’s wrong or out of date. To do this, contact us using the details below. We’ll respond within a reasonable time and won’t charge you for making the request.

8. Complaints

If you have a concern about how we’ve handled your personal information, contact us first using the details below and we’ll do our best to sort it out.

If you’re not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Post: GPO Box 5218, Sydney NSW 2001

9. Changes to this policy

We may update this policy from time to time as our business or the law changes. The latest version will always be available on our website.

10. Contact us

Cabarita Strategy Pty Ltd, trading as Cabarita Finance
ABN 55 696 197 556

Email: logan.ross@cabaritafinance.com.au
Phone: 0401 316 149
Website: www.cabaritafinance.com.au