Cloud Capital Finance – Privacy Disclosure Statement & Email Communication Consent

Cloud Capital Finance
ABN: 69 675 163 890
Email: [email protected]
Phone: 0426 943 209

Cloud Capital Finance (“we”, “us”, “our”) provides finance consultation, loan assistance, and lender connection services. We are committed to protecting your personal information. This Privacy Disclosure Statement explains how we collect, use, and share your information in connection with finance-related enquiries.

By engaging our services, you consent to the handling of your information in accordance with this document and Australian privacy laws.

1. Information We Collect

We may collect:

• Personal identification details

• Contact information

• Financial information (income, expenses, liabilities)

• Business information for commercial finance

• Credit-related information required to assess possible loan options

• Information relating to guarantors or associated parties

If you choose not to provide information, we may be unable to assist with your finance enquiry.

2. How We Use Your Information

We collect and use your information to:

• Understand your finance needs

• Identify suitable finance options

• Connect you with lenders, credit providers, and finance partners

• Assist with preparing or supporting loan applications

• Verify your identity and financial information

• Meet compliance and regulatory requirements

We assist with the process but do not make lending decisions. Final decisions are made by lenders or credit providers.

3. Credit Reporting Information

With your consent, we may:

• Request credit information or a credit report from a Credit Reporting Body (CRB)

• Use this information to help determine suitable options

• Provide information to finance partners so they can conduct their own assessment

• Exchange information with CRBs where necessary

CRBs commonly used by finance partners include:
Equifax, Illion, and Experian.

You have rights to request access, correction, fraud flags, and restrictions on direct marketing.

4. Who We Disclose Information To

We may share your personal or credit information with:

• Lenders, credit providers, aggregators, and finance partners

• Third-party service providers assisting with processing

• Insurers (if related to your enquiry)

• Professional advisers

• Identity verification services

• IT, CRM, and administrative support providers

• External contractors and support teams

• Organisations assessing a potential business acquisition

Some service providers may be located overseas (e.g., New Zealand, Singapore, Malaysia, Philippines, Vietnam, United States, United Kingdom).

We take reasonable steps to protect your information when transferred overseas.

5. Your Rights

You may request:

• Access to the information we hold about you

• Corrections to any inaccurate information

• A copy of this Privacy Disclosure Statement

• That CRBs restrict direct marketing activities

• That CRBs place a fraud alert or freeze on your credit file

We may charge an administration fee for large information requests.

6. Consent

By engaging our services, you consent to:

• Collection and handling of your personal and credit information

• Disclosure to lenders, finance partners, service providers, CRBs, and support organisations

• Verification of information with employers, accountants, or record-holders

• Electronic communication of disclosures and documents

• Overseas disclosure where required

For commercial credit, this consent remains valid for 12 months unless withdrawn.

You may withdraw consent at any time by contacting us.

7. Electronic Communication Consent

By providing an email address, you agree that:

• We may send notices and documents electronically

• You will check your email regularly

• You may withdraw this consent at any time

8. Contact Details

Privacy Officer – Cloud Capital Finance
Email: [email protected]
Phone: 0426 943 209

If we cannot resolve a complaint, you may contact the OAIC (www.oaic.gov.au).