1. Introduction & Overview

At Uniko Capital, we respect your privacy and are committed to protecting your personal and financial information. This Privacy Policy explains how we collect, hold, use, disclose, and safeguard your details when you visit our website (unikocapital.com.au) or engage our finance brokerage services across Australia.

We operate in strict compliance with the Privacy Act 1988 (Cth), the 13 Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code.

2. Information We Collect

To assess your borrowing capacity and prepare loan applications for our accredited Australian lenders, we collect specific personal and financial information:

3. How We Collect Information

We collect information directly from you when you fill out online inquiry forms, contact us by phone or email, or submit loan application documents. With your consent, we may also collect information from credit reporting agencies (e.g. Equifax, Illion), your accountant, legal representative, or partner lenders.

4. How We Use Your Information

Your information is collected and used strictly for the following purposes:

• Assessing your eligibility for home loans, commercial finance, car & truck finance, equipment loans, or business finance.
• Submitting and processing loan applications with accredited Australian banks and non-bank lenders.
• Communicating with you regarding your application status and servicing your client relationship.
• Fulfilling legal obligations under Australian law, such as Anti-Money Laundering (AML/CTF) requirements.

5. Disclosure to Third Parties

We may share your information with trusted third parties necessary for your loan application:

• Accredited banks, lenders, and credit providers evaluating your loan request.
• Credit reporting bodies to perform credit checks authorized by you.
• Your professional advisers (accountants, solicitors, conveyancers, or valuers).
• Government or regulatory authorities when required by Australian law (e.g. ASIC, AUSTRAC).

6. Data Security & Storage

We take reasonable security measures to protect your personal information from loss, misuse, unauthorized access, or disclosure. Data is stored in secure, encrypted electronic databases. When information is no longer needed, we securely destroy or de-identify it in accordance with statutory guidelines.

7. Access & Correction Rights

You have the right to request access to the personal and credit information we hold about you, and to request corrections if any information is inaccurate or out of date. To make a request, please contact our Privacy Officer.

8. Privacy Complaints & Contact Details

If you have any questions, feedback, or wish to lodge a privacy complaint, please contact Uniko Capital: