Last updated: 19 May 2026
At LINQ Capital Pty Ltd, we are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and applicable credit reporting laws.
This document explains how we collect, use, hold and disclose your personal information and credit-related information, your rights in relation to that information, and the consents that may apply when you ask us to assist with your credit or finance needs.
LINQ Capital Pty Ltd
ABN: 64 699 849 093
Credit Representative Number: 581023
LINQ Capital is an authorised credit representative of:
Connective Credit Services Pty Ltd
ABN: 51 143 651 496
Australian Credit Licence: 389329
In this document, references to "LINQ", "LINQ Capital", "we", "us" or "our" refer to LINQ Capital Pty Ltd and, where applicable, its authorised representatives.
We provide credit assistance and related services including:
When you ask us to assist you with your finance or other services, we may collect personal information about you.
This may include:
We may collect information directly from you when you contact us, complete an enquiry or application, provide documents, communicate with us, or ask us to assist with your finance requirements.
We may also collect information from third parties where permitted or required by law, including:
We collect, use and disclose your information for purposes including:
We may require certain personal, financial and credit information to properly assess your circumstances and assist you with your credit needs.
If you do not provide information we reasonably require, we may be unable to assess your application, source suitable finance, provide credit assistance or provide other services to you.
We do not sell, trade or rent your personal information to third parties.
We may disclose your information where reasonably necessary to provide our services or where permitted or required by law.
This may include disclosure to:
As part of providing credit assistance, we may collect, use and disclose credit-related personal information in accordance with applicable Australian privacy and credit reporting laws.
Where appropriate and with the required consent, we may disclose identification information to a consumer or commercial credit reporting body ("CRS") and obtain information from that CRS for the purpose of assessing creditworthiness and assisting with a credit or guarantor application.
We may use information provided by a CRS to preliminarily assess your credit or guarantor application.
A credit provider to whom we submit an application may also collect information about you from, and disclose information about you to, one or more credit reporting bodies in accordance with applicable laws.
We may submit your application to one or more credit providers or lenders. Each credit provider may have its own privacy policy and information-handling practices.
A list of lenders and credit providers available through Connective can be found at:
The privacy policy of each credit provider may contain additional information about how it collects, uses, holds and discloses your information, including information about credit reporting bodies and overseas disclosures.
Where you request assistance with insurance, we may disclose relevant information to insurers or insurance providers to obtain insurance products or quotations on your behalf.
We may use artificial intelligence (AI), machine learning tools and automated systems to assist us in providing our services.
These tools may assist with:
Your personal and credit information may be processed using AI systems operated by us or trusted third-party service providers, including cloud-based services.
Where AI tools are provided by third parties, we take reasonable steps to ensure your information is handled securely and in accordance with applicable Australian privacy laws.
AI and automated systems are used to assist our processes and do not replace our legal, regulatory or professional obligations. Where appropriate, human oversight will be applied.
Some of the recipients to whom we disclose your personal information may be located outside Australia.
It is not practicable to list every country in which such recipients are located. However, depending on the services and technology used, recipients are likely to include:
We may also disclose information to other overseas recipients where reasonably necessary to provide our services or where permitted or required by law.
We take reasonable steps to ensure that overseas disclosures are handled in accordance with applicable Australian privacy requirements.
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or disclosure.
Our security measures may include:
We take reasonable steps to ensure that personal information we hold is accurate, complete and up to date.
We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, to provide our services, or to comply with applicable legal, regulatory, accounting or document-retention requirements.
When personal information is no longer required, we take reasonable steps to destroy or de-identify it, subject to any legal or regulatory requirement to retain it.
Where permitted by law, we may use your contact information to send you communications about our services, including relevant offers, updates, newsletters, events and information that may be of interest to you.
We may communicate with you by email, SMS, telephone, post or other permitted communication channels.
You can opt out of receiving direct marketing communications at any time by contacting us or using the unsubscribe mechanism provided in the relevant communication.
You have the right to request access to personal information we hold about you, subject to applicable exceptions under Australian law.
To request access to your personal information, please contact our Privacy Officer using the contact details below.
We will respond to your request within a reasonable period and in accordance with applicable privacy laws.
We do not charge for making a request for access. In limited circumstances, a reasonable charge may apply for providing access where permitted by law. We will advise you before any such charge is incurred.
We take reasonable steps to ensure that personal information we hold is accurate, up to date, complete, relevant and not misleading.
If you believe information we hold about you is inaccurate, incomplete, out of date, irrelevant or misleading, you can ask us to correct it.
We will consider your request and take reasonable steps to correct the information where appropriate and in accordance with applicable law.
You may have additional rights in relation to consumer and commercial credit information under Australian privacy and credit reporting laws.
Depending on the circumstances, these rights may include the ability to:
Further information about your privacy and credit reporting rights is available from the Office of the Australian Information Commissioner (OAIC) .
You can contact our Privacy Officer to request access to or correction of your personal information, or to ask questions about this Privacy Policy.
Privacy Officer
LINQ Capital Pty Ltd
Phone: 1300 072 087
Email: hello@linqcapital.com.au
We welcome questions and complaints about privacy and the handling of your personal information.
If you have a concern or complaint, please contact us first so that we have an opportunity to investigate and resolve the matter.
You can make a complaint by contacting our Complaints Officer:
Complaints Officer
LINQ Capital Pty Ltd
Phone: 1300 072 087
Email: hello@linqcapital.com.au
Please provide as much information as possible about your complaint, including relevant dates, documents and details of the issue.
You may lodge a complaint by email, telephone, in person or through any other channel we make available.
If you are not satisfied with the outcome of your complaint, or your complaint has not been resolved within the applicable timeframe, you may have the right to take the matter to an external dispute resolution scheme.
Where applicable, you may contact the Australian Financial Complaints Authority (AFCA).
Further information about AFCA is available at:
By asking us to assist you with your credit or finance needs, you consent to the collection and use of the information you have provided to us for the purposes described in this document, subject to applicable privacy and credit reporting laws.
You consent to us obtaining and disclosing information about you where reasonably necessary to:
You agree that we may disclose information about you to prospective credit providers, insurers and other relevant organisations where reasonably necessary to obtain the finance, credit or insurance products you require.
We may also disclose information to organisations that provide services to us, including:
Where applicable to commercial credit, your agreement and consent to the collection, use and disclosure of information described in this document may remain effective for a period of up to 12 months, unless you withdraw your consent earlier by contacting us.
This extended effectiveness is intended to allow us to continue providing services to you without requiring a new privacy consent each time you require commercial credit within that period.
The extended effectiveness described in this section does not apply to consumer credit.
Where you are a director of a company applying for credit, or where you are providing or considering providing a guarantee, you acknowledge that we may collect, use and disclose your personal information in addition to information relating to the company or relevant credit application.
Your information may be used and disclosed for the purposes described in this document, including assessing the relevant credit or guarantee application.
We may update this Privacy Policy from time to time to reflect changes to our business, services, technology, privacy practices or applicable laws.
The latest version will be published on our website. The date at the top of this document indicates when it was last updated.
If you have any questions about this Privacy Policy, wish to access or correct your personal information, or wish to make a privacy complaint, please contact us.
LINQ Capital Pty Ltd
ABN: 64 699 849 093
Credit Representative No.: 581023
Authorised Credit Representative of Connective Credit Services Pty Ltd
ABN: 51 143 651 496
Australian Credit Licence: 389329
Phone: 1300 072 087
Email: hello@linqcapital.com.au
For more information about your privacy rights, visit: www.oaic.gov.au