Privacy Policy

Last updated: 15 October 2026

Caveat Loans Melbourne is operated by Aus Wealth Pty Ltd ABN 61 169 487 398 (“we”, “us” or “our”). We help people and businesses explore finance through third party lenders; we do not provide loans directly. This policy explains how we collect, use, hold and disclose personal information when you visit caveatloansmelbourne.com.au, contact us or ask us to assist with a finance enquiry.

Information we collect

When you submit our website form, we collect your name, email address, phone number, loan purpose, requested loan amount, security property postcode and any information you provide in the comments field. If you continue with an enquiry, we may ask for information reasonably needed to understand and progress it, such as property and existing mortgage details, business and financial information, identification, credit history, proposed repayment or exit strategy, and documents you choose to provide.

We may also collect communications with you, records of introductions and application progress, and technical information generated when you use the website, such as IP address, browser information and website usage data, to the extent our website tools collect it. Please do not send identity documents or sensitive financial details through the general website comments field unless we request them through an appropriate channel.

How we collect information

We usually collect information directly from you through the website form, phone, email and documents you provide. With your authority or where otherwise permitted by law, we may also obtain information from a co-applicant, your professional advisers, a lender, valuation or legal provider, or other parties involved in your proposed transaction. We will tell you when additional information or checks are needed.

Why we use and disclose information

We use your information to respond to your enquiry, understand your funding requirements, identify lending options that may be relevant, contact lenders where appropriate, coordinate an application, communicate with you, keep business records, maintain the website and meet applicable legal obligations. If you do not provide information needed to assess an enquiry, we may be unable to discuss suitable options or progress it.

To assist with an enquiry, we may disclose relevant information to private, non-bank or bank lenders; their representatives; valuers; lawyers and settlement providers; and service providers supporting our website, communications and records. We disclose information relevant to the purpose and the particular transaction. A lender will handle information it receives under its own privacy policy and may ask you for further information or consent.

Credit information and checks

We do not promise that an enquiry can proceed without credit or financial checks. Depending on the loan and lender, a lender may request credit information or make enquiries with a credit reporting body. We will explain any information we seek for an application and obtain any authority required for us to request or share credit-related information. The lender’s privacy and credit reporting notices may also apply.

Marketing and website technologies

We may contact you about your enquiry and related services. We will send marketing communications only where permitted by law, and you can ask us to stop by contacting us or using any unsubscribe facility provided. Our website may use cookies and similar technologies for essential functions and, if enabled, analytics or advertising.

Storage, security and retention

We take reasonable steps to protect information we hold from misuse, loss and unauthorised access, modification or disclosure. We retain it for as long as needed for the purposes described above or to meet legal and record-keeping obligations, then securely delete or de-identify it where appropriate. No internet transmission can be guaranteed completely secure.

Overseas disclosure

Our website and website email services are hosted on servers located in Singapore. Website enquiries are also delivered to third-party email services, including Yahoo and Microsoft 365, which may process or store personal information outside Australia. The countries involved depend on the provider and service configuration.

Access and correction

You may request access to personal information we hold about you or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading. Contact our privacy officer using the details below. We may need to verify your identity and may decline access or correction where the law permits; if so, we will explain the reason and available options.

Privacy complaints

If you have a concern about how we handle your information, contact our privacy officer with details of your complaint. We will acknowledge and investigate it and respond within a reasonable time. If you are dissatisfied with our response, you may be able to complain to the Office of the Australian Information Commissioner at oaic.gov.au.

Contact and changes

Privacy contact: Privacy Officer
Email: info@caveatloansmelbourne.com.au
Phone: 0455 898 706

We may update this policy when our practices or legal requirements change. The current version will be posted on this website with its updated date.