Open and Transparent Management (APP 1) · Who We Are
This privacy policy applies to Capital Hill Finance Pty Ltd, a finance services business based in Doncaster, Melbourne VIC. We operate the website capitalhillfinance.com.au. This policy describes how we manage personal information under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), and is published openly and free of charge.
Collection of Solicited Personal Information (APP 3) · What We Collect
When you submit an enquiry, application or use our website, we may collect the following information:
- Full name, phone number and email address
- Finance enquiry details — asset type, loan amount, finance type
- Business details including ABN, trading history and financial position
- IP address and browser information (collected automatically)
- Any additional information you provide in enquiry forms or correspondence
Unsolicited information (APP 4): if we receive personal information about you that we did not solicit (for example, a third party forwarding your details), we will determine within a reasonable period whether we could have collected it under APP 3. If not, we destroy or de-identify it.
Notification of collection (APP 5): when we collect your personal information from you (e.g. via an enquiry form), this policy and the on-page notice constitute notification of the matters required by APP 5 — our identity and contact details, the fact and purposes of collection, our usual disclosures, this privacy policy, and the consequence (if any) if information is not provided. If we collect about you from a third party, we will also notify you, unless doing so is unreasonable or impracticable.
Use and Disclosure (APP 6) · Why We Collect It
We collect your personal information to:
- Refer your enquiry to Capital Hill Finance (Credit Representative 569305), who is responsible for any credit assistance or assessment
- Contact you to confirm we have received your enquiry and to answer general questions about the referral process
- Respond to customer service requests and complaints
- Comply with our obligations under the Privacy Act 1988 (Cth) and applicable legislation
- Maintain records as required by law
Capital Hill Finance assesses commercial finance enquiries under Credit Representative 569305 and arranges finance from a panel of accredited lenders. Final credit assessment and the credit contract itself are between you and the lender.
Security of Personal Information (APP 11) · How We Store It
Your personal information is stored securely on Australian-hosted servers. We take reasonable steps to protect your data from misuse, interference, loss, unauthorised access, modification or disclosure (APP 11.1). Enquiry data is stored in secure, access-restricted directories that are not publicly accessible. Daily backups are taken and encrypted with AES-256.
Data Retention Period
We retain enquiry and application data for up to 7 years to meet record-keeping obligations under the National Consumer Credit Protection Act 2009 and Australian Securities and Investments Commission requirements. After this period, we destroy or de-identify your personal information unless we are legally required to retain it for longer (APP 11.2).
We do not sell, rent or trade your personal information to any third party for marketing purposes.
Use and Disclosure (APP 6) & Cross-Border Disclosure (APP 8) · Who We Share With
We share your information with:
- Accredited lenders on our panel — once we have assessed your enquiry under Credit Representative 569305, we share the relevant details with the lender best suited to your situation so they can prepare a finance offer. By submitting an enquiry you consent to this disclosure. The specific lender is selected by us under our credit-assistance obligations under the National Consumer Credit Protection Act 2009 (Cth).
- Email delivery sub-processor (ZeptoMail, operated by Zoho Corporation — hosted in India) — outbound email delivery service. We send email content (subject, body and recipient address) to ZeptoMail for processing and delivery of transactional emails (enquiry confirmations, signed-document receipts, admin notifications). APP 8 disclosure: data may be temporarily processed offshore for delivery.
- AI assistant provider (Google LLC, via the Gemini API, servers in the United States) — we use Google's Gemini API in three ways. Our website chatbot sends message content to Google for response generation. Documents you upload are sent to Google so their details can be extracted. And once you have made an enquiry, the details of your application and our internal file notes about it are sent to Google so we can prepare an internal summary to assist our assessment. We minimise what is sent: your full ABN is truncated, and email addresses and phone numbers are removed from file notes before transmission. The AI does not make credit decisions — every credit assessment is made by a person at Capital Hill Finance. Do not enter sensitive financial details into the chatbot. If you would prefer your information not be processed by AI, email adam@capitalhillfinance.com.au and we will arrange manual review.
- Website analytics (Google Analytics 4, servers in the United States) — for aggregate usage statistics, only if you accept cookies.
- Service providers — who assist in operating the website, under confidentiality obligations.
Some of the above recipients are located overseas (United States). By using this website you consent to your information being transferred to these countries. Where required under APP 8, we have taken reasonable steps to ensure overseas recipients handle your data consistently with the APPs.
We do not share your information with any other parties unless required by law.
Adoption, Use or Disclosure of Government Identifiers (APP 9) · Credit Reporting
Capital Hill Finance does not use or disclose government-related identifiers (including TFN, Medicare or licence number) for any purpose other than as required by law. If you proceed with a formal finance application, Capital Hill Finance Pty Ltd (Credit Representative 569305) and/or the lender we arrange your finance with may access your credit report from a credit reporting body, in accordance with the Privacy Act 1988 (including Part IIIA), the Privacy (Credit Reporting) Code, and applicable credit legislation. This will only occur with your express written consent.
Cookies and Tracking
Essential session cookies are used for website functionality (CSRF tokens, form sessions). If you accept the cookie banner, we also load Google Analytics 4 to understand aggregate usage. You can decline non-essential cookies at any time. No advertising or cross-site tracking is used on this website.
Direct Marketing (APP 7) · Marketing Communications & Unsubscribe
If you opt in to receive marketing or educational emails from Capital Hill Finance, every such email will include a one-click unsubscribe link at /unsubscribe. Unsubscribe requests are processed immediately and are honoured under the Spam Act 2003 (Cth) s18. Transactional emails (enquiry confirmations, broker response notifications) are not marketing and are not affected by unsubscribe.
To withdraw consent for all electronic communications (including transactional) you must email adam@capitalhillfinance.com.au. Note that withdrawing transactional consent will prevent us from updating you about your enquiry.
Anonymity (APP 2)
Because we provide personalised commercial finance assistance under Credit Representative 569305, we cannot accept enquiries from anonymous or pseudonymous users. Providing your real contact details is necessary for the service.
Quality of Personal Information (APP 10) · Accuracy
We take reasonable steps to ensure that the personal information we collect, use and disclose is accurate, up-to-date, complete and relevant. If you believe any information we hold about you is inaccurate, contact us at adam@capitalhillfinance.com.au and we will correct it without charge (see also Access and Correction below).
Access (APP 12) and Correction (APP 13) · Your Rights
Under the Privacy Act 1988 and the APPs, you have the right to:
- Access the personal information we hold about you (APP 12) — we will respond within 30 days, free of charge
- Request correction of any inaccurate or outdated information (APP 13)
- Request deletion of your personal information (subject to our legal obligations to retain certain records under credit legislation)
- Make a privacy complaint — we will respond within 30 days. If unsatisfied, you may escalate to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
To exercise any of these rights, contact us at adam@capitalhillfinance.com.au.
Contact for Privacy Matters
If you have any questions or concerns about this privacy policy or how we handle your information, contact:
Capital Hill Finance
Email: adam@capitalhillfinance.com.au
Doncaster, Melbourne VIC
This policy was last updated on 25 May 2026.