UNCAP. Pty Ltd ("UNCAP.", "we", "us", "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
By using our website at uncap.com.au or submitting an application, you consent to the practices described in this policy.
UNCAP. is a finance brokerage that connects Australian businesses with non-bank lenders. We are not a lender and do not provide credit directly. Our role is to match eligible businesses with suitable lending products from our panel of lenders.
Contact: admin@uncap.au
We may collect and hold the following types of personal information:
We do not collect sensitive information (such as health, racial, or religious information) unless specifically required and with your explicit consent.
We collect personal information:
We collect and use your personal information to:
We will not use your personal information for any purpose that is incompatible with the reason it was collected, unless you have consented or we are required to do so by law.
We may disclose your personal information to:
We do not sell your personal information to third parties. Ever.
We may use cloud-based service providers or software tools that store data on servers located outside Australia (including the United States or European Union). Where personal information is disclosed overseas, we take reasonable steps to ensure it is protected in accordance with the Australian Privacy Principles.
By providing your personal information, you consent to it being transferred overseas for these purposes.
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, and disclosure. Security measures include:
While we take all reasonable precautions, no internet transmission is completely secure. If you suspect a data breach, contact us immediately at admin@uncap.au.
We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, or as required by law. When no longer needed, we will securely destroy or de-identify it.
Under the Privacy Act 1988, you have the right to access the personal information we hold about you and to request corrections if it is inaccurate, out of date, incomplete, or misleading.
To make an access or correction request, contact us at admin@uncap.au. We will respond within 30 days. In some circumstances we may decline access, in which case we will explain why in writing.
There is no fee to request access to your personal information.
With your consent, we may send you information about our services, finance options, or relevant news. You may opt out at any time by:
We will action opt-out requests within 5 business days.
Our website uses cookies — small text files stored on your device — to improve your experience and understand how our site is used. Cookies may include session cookies (deleted when you close your browser) and persistent cookies (retained for a set period).
We may use third-party analytics tools (such as Google Analytics) that set their own cookies. You can control cookies through your browser settings. Disabling cookies may affect some website functionality.
If you believe we have not handled your personal information in accordance with this policy or the Australian Privacy Principles, you may lodge a complaint by:
OAIC
Website: www.oaic.gov.au
Phone: 1300 363 992
GPO Box 5218, Sydney NSW 2001
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically. Continued use of our website or services after changes are posted constitutes acceptance of the updated policy.