Privacy Policy

Last updated: April 2026

1. Introduction

Flagship Financial (ACR 517257, authorised under ACL 389527 held by COG Aggregation Pty Ltd, ABN 99 124 319 857) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and disclose your personal information in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

2. Information We Collect

We may collect the following types of personal information:

• Name, address, phone number, and email address
• Date of birth and identification documents
• Employment details and income information
• Financial information including bank statements, assets, and liabilities
• Credit history and credit report information
• Business financial information (for SME clients)
• Vehicle or asset details relevant to your finance application
• Website usage data via Google Analytics

3. How We Collect Information

We collect personal information:

• Directly from you — via phone, email, website forms, or in-person meetings
• From third parties — including credit reporting bodies, lenders, your employer, accountant, or other referees you authorise us to contact
• From our website — via cookies, Google Analytics, and form submissions

4. How We Use Your Information

We use your personal information to:

• Assess your finance application and match you with appropriate lenders
• Submit loan applications on your behalf
• Communicate with you about your application and related services
• Comply with our legal and regulatory obligations
• Improve our services and website experience
• Send you marketing communications (with your consent)

5. Disclosure of Information

We may disclose your personal information to:

• Lenders on our panel for the purpose of your finance application
• Our aggregator, COG Aggregation Pty Ltd
• Credit reporting bodies
• Professional advisors (accountants, lawyers) where necessary
• Government authorities as required by law

We will never sell your personal information to third parties for marketing purposes.

6. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes password-protected systems, encryption of sensitive data, and secure document storage.

7. Access and Correction

You have the right to access and correct your personal information held by us. To request access or correction, please contact us using the details below.

8. Complaints

If you believe we have breached your privacy, please contact us first. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or the Australian Financial Complaints Authority (AFCA) at www.afca.org.au.

9. Contact Us

If you have any questions about this Privacy Policy, please contact:

Flagship Financial
Phone: 0468 011 191
Email: [email protected]
Location: Brisbane, QLD