1. Who we are
Centsible Finance (“we”, “us” or “our”) is an asset finance brokerage based in Sydney, providing finance broking services to clients across Australia. We help people and businesses find finance for cars, boats, motorcycles, machinery, equipment, and other personal and commercial needs, including personal loans, debt consolidation, cashflow lending, and fleet finance.
We act as a credit representative under the Australian Credit Licence (ACL) of IFG Management Pty Ltd (our “Licensee”). This means that while our website handles your initial enquiry and the early stages of an application, the formal credit application process — including credit checks, bank statement requests, and credit-specific privacy consents — is governed separately by our Licensee’s own privacy and compliance processes, which will be provided to you directly before that stage begins.
This policy explains how we collect, use, store, and disclose personal information through our website and in the early stages of a finance enquiry, in line with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).
2. What this policy covers
This policy applies to:
- Our website, including our enquiry (“Get Finance”) form
- The private application details link we send to enquirers who wish to proceed further
- Any documents you provide to us directly (for example, by email) as part of progressing your enquiry
This policy does not cover the separate privacy consent and disclosure documents provided by our Licensee once a formal application, or quote begins. Those are governed by a distinct privacy consent process, which will be provided to you prior to that stage and which you will be asked to read and agree to separately.
3. Information we collect
3.1 When you make an enquiry
When you submit our online enquiry form, we collect:
- Your name
- Your number
- Your email address
3.2 If you proceed with an application
If you choose to proceed beyond the initial enquiry, we will send you a secure, private link to provide further details relevant to your finance application. This may include:
- Employment and income details
- Information about existing loans, debts, or financialcommitments
- Asset information
- Address history
As your application progresses, we may also ask you to provide copies of supporting documents, which may include your driver’s licence, payslips, Medicare card, passport, proof ofaddress or property ownership, or visa details. These are typically requested by email once you have agreed to the relevant privacy consent for that stage.
3.3 Information from other sources
We may also receive informationabout you from dealers, lenders, our Licensee, or credit reporting bodies,where relevant to assessing or progressing your finance enquiry.
4. How we use your information
We use the personal information we collect to:
- Respond to your enquiry and discuss your finance options
- Assess which lenders or products may suit your circumstances
- Prepare and progress a finance application on your behalf, where you choose to proceed
- Communicate with you about your enquiry or application
- Meet our legal and regulatory obligations as a credit representative
We do not use the information collected through our enquiry form for any purpose unrelated to your finance enquiry without telling you first.
5. Who we share your information with
Depending on how your enquiry progresses, we may share your personal information with:
- Our Licensee, who supports us in processingapplications and provides the formal credit-related privacy disclosures and consents
- Lenders and credit providers relevant to your finance application
- Dealers, where your enquiry relates to a specific vehicle, vessel, or asset being sold through a dealer
- Credit reporting bodies, where a credit check is required as part of a formal application (this only occurs after you have provided specific consent for that purpose)
We only share the informationthat is reasonably necessary for the relevant purpose, and we do not sell yourpersonal information to third parties.
6. Website analytics and cookies
Our website uses tools such asthe Meta Pixel to understand how visitors use our site and to help us measure the performance of our advertising. This may involve the collection ofinformation such as pages visited and actions taken on our site (for example, submitting an enquiry form), which may be used to build audiences for advertising purposes on platforms such as Facebook and Instagram.
You can control cookie and tracking preferences through your browser settings. Disabling cookies may affect how some parts of our website function.
7. How we store and protect your information
We take reasonable steps to protect the personal information we hold from misuse, interference, loss, and unauthorised access, use, or disclosure. Information collected through our website is stored securely and access is limited to authorised personnel involved in handling your enquiry.
We retain personal information only for as long as is necessary for the purposes described in this policy, or as required by law.
8. Access and correction
You may request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date, or incomplete. To make a request, please contact us using the details in section 10 below. We will respond within a reasonable timeframe.
9. Complaints
If you have a concern about howwe have handled your personal information, please contact us first using thedetails below so we can try to resolve it directly. If you are not satisfiedwith our response, you may lodge a complaint with the Office of the AustralianInformation Commissioner (OAIC) at www.oaic.gov.au.
10. Contact us
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:
- Phone: 1300 855 231
- Website: centsiblefinance.com.au
- Email: emily@centsiblefinance.com.au
11. Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The most current version will always be available on our website, with the date it was last updated shown at the top of this page.
