1. Our commitment to your privacy
At Capila Finance, your trust matters. We are committed to protecting your personal information while delivering tailored finance solutions. This Privacy Policy outlines how we collect, use, disclose and protect your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
2. About Capila Finance
Capila Finance, ABN 27 635 681 882 (Diamond Lending Pty Ltd), ACN 635 681 882. Credit Representative 519246, authorised credit representative of Outsource Financial Pty Ltd (Australian Credit Licence 384324).
We are a finance brokerage providing private, residential, commercial, SMSF and business lending solutions across Australia. Our values are built on:
- Integrity in our advice
- Expertise in financial solutions
- Respect for your privacy and data security
3. Legal framework
We comply with the following regulations:
- Privacy Act 1988 (Cth)
- Australian Privacy Principles (APPs)
- National Consumer Credit Protection Act 2009 (NCCP)
- Applicable ASIC Regulatory Guidelines (e.g. RG 165, RG 271)
4. Information we collect
We collect information necessary to provide lending and credit assistance. This includes:
a. Income & employment details
- Salary and income history
- Employer and job title
- Employment verification documents
b. Assets & liabilities
- Property ownership
- Investments and superannuation
- Existing loans and commitments
c. Credit history
- Credit scores and reports
- Repayment records
- Past defaults or hardship disclosures
d. Identity information
- Full legal name, date of birth, citizenship
- Contact details and address history
- Government-issued ID (e.g. driver licence, passport)
e. Digital interaction data
- Website activity (cookies, browser type)
- Forms submitted, downloads
- Email, phone and meeting communications
5. How we collect information
We may collect your personal information through:
a. Direct interactions
- Loan applications and financial consultations
- Phone, email or in-person communications
- Website enquiries and online forms
b. Third parties (with your consent)
- Credit reporting agencies
- Financial institutions
- Accountants, legal or real estate professionals
- Government databases
6. How we use your information
We use your information to:
- Assess your loan eligibility and borrowing capacity
- Submit applications to lender partners and manage approvals
- Provide post-settlement support and refinancing advice
- Improve our services through research and analytics
- Comply with legal obligations, including fraud prevention
7. Who we share information with
We may share your information with:
a. Internal staff
- Lending consultants and administrative teams
- Compliance and file review staff
b. External partners
- Accredited lenders and credit providers
- Settlement agents, conveyancers and insurers
- Legal and accounting professionals
c. Regulatory bodies (as required)
- ASIC, APRA, OAIC, AFCA
- Law enforcement or courts if required by law
We never sell or share your information for unrelated marketing purposes.
8. Overseas disclosure of personal information
To support efficient service delivery, some of our staff and support services may operate from overseas (including India and the Philippines). This means your information may be accessed by authorised team members offshore. All offshore access is:
- Restricted to staff working directly on your file
- Governed by strict confidentiality agreements
- Protected by encryption and secure systems
- Compliant with Australian Privacy Principle 8 (cross-border disclosure)
- Regularly audited and monitored
We do not transmit your data overseas for unrelated marketing or non-essential purposes. For concerns about offshore data access, contact shan@diamondlending.com.au.
9. How we protect your information
a. Technical protections
- SSL encryption and secure servers
- Firewalls and intrusion detection
- Penetration testing
b. Administrative safeguards
- Role-based access
- Employee confidentiality agreements
- Regular privacy training
c. Physical security
- Secure document storage
- Restricted office access
- Shredding and document disposal
10. Your privacy rights
You have the right to:
- Request access to your personal information
- Correct inaccurate or outdated data
- Withdraw consent for marketing communications
- Request data deletion (subject to legal retention requirements)
We will respond within 30 days of receiving your request.
11. Website cookies & tracking
We use cookies and tracking tools to improve your online experience. These help us:
- Remember your preferences
- Analyse site traffic and performance
- Secure your browsing session
You may disable cookies in your browser settings, but this may affect functionality.
12. Contacting Capila Finance
Capila Finance, ABN 27 635 681 882 (Diamond Lending Pty Ltd)
Level 2, Riverside Quay, 1 Southbank Blvd, Southbank VIC 3006
Email: shan@diamondlending.com.au · support@capila.finance
Phone: 0468 645 477
Website: www.capila.finance
Privacy Officer: Shan Narkhede · LinkedIn
13. Making a privacy complaint
If you have concerns about your privacy, we encourage you to contact us first.
Step 1: Internal resolution
Email us at shan@diamondlending.com.au. We aim to respond within 30 days.
Step 2: External resolution
If you are unsatisfied with our response, you can contact:
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678 · Website: www.afca.org.au
Address: GPO Box 3, Melbourne VIC 3001
Office of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992 · Website: www.oaic.gov.au
14. Policy updates
This policy may be reviewed periodically to reflect changes in our operations or legal obligations. Updated versions will be published on our website. Major changes will be communicated to clients where appropriate.
15. Your acknowledgement
By engaging with Capila Finance, you agree to the terms outlined in this Privacy Policy. We remain committed to transparency, responsible lending and the protection of your personal information.