Privacy Policy
We are committed to protecting your privacy and handling your personal information responsibly and in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Effective date: 16 August 2025
Who We Are
AJ Capital Australia is a credit representative (CRN 568438) of Beagle Finance Pty Ltd, Australian Credit Licence 383640. We also provide property management, real estate sales and investment services.
In this Privacy Policy, "we", "us" and "our" means AJ Capital Australia and, where relevant, the Credit Representative acting on behalf of the business.
What Is Personal Information?
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether recorded in a material form or not.
What Personal Information We Collect
We may collect the following kinds of personal information:
- Name, date of birth, contact details (phone, email, address)
- Identification information such as driver licence or passport details
- Employment, income, expense and asset/liability information
- Credit history, credit score and repayment history information
- Property ownership, tenancy and investment details
- Details about the products or services you have enquired about or applied for
- Communications with us, including emails, call recordings and meeting notes
- Information collected through cookies and analytics when you use our website
How We Collect Personal Information
We collect personal information directly from you when you:
- Complete an enquiry, contact or application form on our website
- Call, email or meet with us
- Apply for a property, credit or investment service
- Sign a property management or sales agreement
We may also collect personal information from third parties where you have consented, or where it is reasonably necessary to provide our services, such as:
- Credit reporting bodies, lenders, banks and financiers
- Valuers, insurers, solicitors, conveyancers and accountants
- Real estate portals, tenancy databases and government registers
- Referrers, joint venture partners and service providers
- Publicly available sources and regulatory databases
Why We Collect, Use and Disclose Personal Information
We collect, use and disclose personal information for the following purposes:
- Assessing your eligibility for property, credit or investment services
- Submitting applications to lenders, insurers, landlords or other counterparties
- Providing property management, leasing, sales and negotiation services
- Managing your account and ongoing client relationship
- Communicating with you and responding to enquiries
- Complying with legal, regulatory and professional obligations
- Preventing fraud, money laundering and other unlawful activity
- Improving our products, services, website and client experience
- Sending you marketing communications where you have consented or it is permitted by law
Who We Disclose Personal Information To
We may disclose your personal information to:
- Lenders, banks, credit providers and insurers
- Valuers, solicitors, conveyancers, accountants and financial advisers
- Property owners, prospective buyers, tenants and tenancy databases
- Our aggregator, licensee (Beagle Finance Pty Ltd), compliance consultants and dispute resolution bodies
- Government and regulatory bodies, including ASIC, OAIC, AFCA and law enforcement agencies where required
- IT service providers, cloud storage providers and other contractors who help us operate our business
- Referees, employers and other parties you authorise us to contact
Overseas Disclosure
Some of the service providers or counterparties we use may store or process personal information overseas (for example, cloud hosting providers or lenders with offshore operations). Where we disclose personal information overseas, we take reasonable steps to ensure the overseas recipient does not breach the Australian Privacy Principles, unless an exception under the Privacy Act applies.
If you would like details of the countries in which overseas recipients are likely to be located, please contact us using the details below.
Credit Reporting
When you apply for credit, we may obtain credit reports or other credit worthiness information about you from credit reporting bodies. This information helps us assess your credit application and recommend suitable products. Credit reporting bodies may also use this information to create a credit reporting assessment.
You have rights to access and correct your credit information. You can contact the relevant credit reporting body directly or ask us for assistance.
Direct Marketing
We may use your personal information to send you newsletters, market updates, property opportunities and service information that may be of interest to you. You can opt out of receiving marketing communications at any time by:
- Clicking the "unsubscribe" link in any marketing email
- Contacting us at ak@ajcap.au or 0468 853 047
Security of Personal Information
We take reasonable steps to protect the personal information we hold from misuse, interference, loss, unauthorised access, modification or disclosure. These steps include:
- Password protection and access controls on our systems
- Secure cloud storage and encrypted communication where available
- Confidentiality obligations for staff, contractors and referrers
- Regular review of our information handling practices
Data Retention
We retain personal information for as long as necessary to provide our services, comply with legal and regulatory obligations (including taxation and licensing record-keeping requirements), and resolve disputes. When personal information is no longer required, we take reasonable steps to de-identify or destroy it securely.
Access and Correction
You have the right to request access to the personal information we hold about you and to ask us to correct it if it is inaccurate, out of date, incomplete or misleading. To make a request, contact us using the details below. We will respond within a reasonable timeframe and may need to verify your identity before providing access.
Complaints About Privacy
If you believe we have not handled your personal information properly, please contact us first. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC).
Where your complaint relates to credit activities, you may also escalate the matter to the Australian Financial Complaints Authority (AFCA).
- OAIC: www.oaic.gov.au
- AFCA: www.afca.org.au, 1800 931 678, GPO Box 3, Melbourne VIC 3001
Cookies and Analytics
Our website may use cookies and similar technologies to improve user experience, analyse website traffic and understand how visitors interact with our site. You can control cookies through your browser settings. Disabling cookies may affect the functionality of some website features.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites and encourage you to read their privacy policies before providing any personal information.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology or legal requirements. The current version will be published on this page with the effective date. We encourage you to review this page periodically.
Contact Us
For privacy-related questions, access/correction requests or complaints, please contact:
- Email: ak@ajcap.au
- Phone: 0468 853 047
- Address: 282-284 Lonsdale Street, Dandenong VIC 3175, Australia