Last updates May, 2026.
Privacy Policy
Capioo respects your privacy. This Privacy Policy explains how we collect, hold, use and disclose personal information and credit-related information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. By using our website or engaging our services, you consent to the practices described in this Privacy Policy.
1. Definitions
In this Privacy Policy:
Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable.
Credit information and credit eligibility information have the meanings given in the Privacy Act.
CRB means a credit reporting body.
Product Provider means a lender, credit provider, lessor, insurer, or other organisation that may provide a finance or insurance product (including any organisation not listed in a panel or schedule).
We, us, our means Capioo Pty Ltd and (where relevant) our contractors, representatives and related entities.
2. Who we are and what we do
Capioo helps individuals and businesses explore finance options and connect with lenders, brokers and other finance providers.
We act as an introducer or referral partner, helping connect customers with finance professionals and product providers that may be relevant to their requirements and circumstances. Where appropriate, we may refer or introduce your enquiry to one or more brokers, lenders, aggregators or Product Providers to assist in assessing or facilitating finance options.
3. What we collect
We may collect the following types of information:
Identity and contact information
name, date of birth, address
phone number and email
identification details (for example, driver licence or passport)
Financial and application information
income, expenses, assets, liabilities
bank statements and supporting documents
employment details
credit history information, where authorised
Business and director information
business identifiers such as ABN or ACN, business address, trading details
where relevant (for example, for company or trust lending), information about directors, partners, trustees or guarantors, including credit-related information where authorised.
Technical and usage information
IP address, device and browser information
website activity and analytics data
cookies and advertising identifiers
4. How we collect information
We collect information:
directly from you (forms, calls, emails, uploads)
from your nominated representatives (for example, accountant or broker), if you authorise that
from Product Providers, aggregators, and service partners involved in your application
from CRBs, where authorised
automatically through our website and tracking tools (see section 11)
5. Why we collect and use information
We collect and use information to:
assess your needs and eligibility for finance or insurance options
refer, introduce, prepare and submit applications to Product Providers (where requested)
verify your identity and reduce fraud risk (including online verification)
comply with legal and regulatory obligations, including responsible lending where applicable
communicate with you about your enquiry, application status, and next steps
improve our services, quality assurance, analytics, internal reporting and product development, including using aggregated anonymised data (see section 10)
If you do not provide required information, we may be unable to assist you.
6. Anonymity and pseudonymity
Due to identity verification, fraud prevention and (where applicable) credit-related obligations, we cannot provide finance assistance anonymously or under a pseudonym.
7. Credit reporting and CRBs
If you apply for finance, we may:
collect credit-related information from you and from CRBs (where authorised),
disclose information to Product Providers and they may disclose information to CRBs,
use that information to assess your application and eligibility.
8. Who we disclose information to
We may disclose your personal information (and where relevant, credit-related information) to:
Product Providers (lenders, lessors, insurers and other credit providers)
brokers and aggregators involved in placing or managing your application
any person who is a guarantor or proposes to be a guarantor
identity verification providers (including online verification providers)
service providers enabling us to place, process, support or manage your application (including document collection, bank statement analysis, open banking style data providers, e-signature tools, and CRM platforms)
your nominated parties (for example accountants, financial advisers, solicitors, bankers, brokers, trade references) where you authorise us to contact them to verify information or obtain supporting documents
the person or entity that referred you to us, including sharing application progress where it is relevant and permitted (see section 9)
professional advisers and support services (including accountants, auditors, valuers, conveyancers, legal advisers, insurers, and mailing or communications providers), where reasonably necessary
industry bodies, external dispute resolution schemes, tribunals or courts in connection with complaints, disputes, investigations or compliance matters
regulators, government agencies and law enforcement where required or authorised by law
any party considering acquiring an interest in our business or assets (for example, due diligence), subject to confidentiality safeguards
We do not sell your personal information.
9. Referrers and partner updates
If you were referred to us by a third party (for example, an accountant, broker, or partner), we may collect information from that referrer and disclose to them limited information about:
whether you engaged with us, and
the general status of your application or enquiry,
where relevant and permitted, and subject to any consent you provide.
10. Aggregated and anonymised information
We may create and use aggregated and anonymised information derived from applications, outcomes, and service usage for business purposes such as:
service improvement,
internal analytics,
industry insights and reporting,
provided it is not disclosed externally in a way that could reasonably identify you.
11. Cookies, analytics and advertising
Our website may use cookies and similar technologies for performance, analytics and advertising. This may include tools such as Google Analytics, Google Tag Manager, Meta Pixel, and Google Ads conversion tracking.
You can manage cookies through your browser settings. Disabling cookies may affect site functionality.
12. Overseas storage and disclosure
We may store or process information using service providers whose servers are located outside Australia. Where this occurs, we take reasonable steps to ensure appropriate safeguards are in place.
13. Call recordings and electronic communications
For quality assurance, training, compliance and accurate record keeping, we may record phone calls and retain communication records relating to your enquiry or application.
We may communicate with you and provide documents electronically (including via email, SMS, online portals and e-signature tools).
14. Data security
We take reasonable steps to protect information from misuse, interference, loss and unauthorised access, modification or disclosure. However, no method of transmission or storage is completely secure.
15. How long we keep information
We retain information for as long as necessary to provide services and meet legal, regulatory, audit, and dispute resolution requirements. For credit-related services, record retention obligations may require us to keep certain records for a number of years (often at least 7 years), depending on the engagement and applicable law.
When no longer required, we take reasonable steps to destroy or de-identify the information
16. Access and correction
You may request access to, or correction of, personal information we hold about you by contacting us using the details below. We will respond within a reasonable timeframe (generally within 30 days), unless an exception applies.
17. Complaints
If you have a privacy complaint, contact us:
Email: a@capioo.com.au
We will acknowledge your complaint within 5 business days and aim to respond within 30 days.
If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).
18. Changes to this policy
We may update this Privacy Policy from time to time. The latest version will be available on our website and applies from the date it is published.
FAQ
01
What types of business loans do you offer?
02
How quickly can I get approved?
03
What if I am unsure which loan I need?
04
What do I need to apply?
05
Will this affect my credit score?
06
I’ve been declined before. Can you still help?
07
How much can I borrow?
08
How are repayments structured?
Let's Work Together
Contact Us
Contact Now
Let's get you Funded
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
No credit check. No jargon. Just a number.
Get a Loan →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.
Last updates May, 2026.
Privacy Policy
Capioo respects your privacy. This Privacy Policy explains how we collect, hold, use and disclose personal information and credit-related information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. By using our website or engaging our services, you consent to the practices described in this Privacy Policy.
1. Definitions
In this Privacy Policy:
Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable.
Credit information and credit eligibility information have the meanings given in the Privacy Act.
CRB means a credit reporting body.
Product Provider means a lender, credit provider, lessor, insurer, or other organisation that may provide a finance or insurance product (including any organisation not listed in a panel or schedule).
We, us, our means Capioo Pty Ltd and (where relevant) our contractors, representatives and related entities.
2. Who we are and what we do
Capioo helps individuals and businesses explore finance options and connect with lenders, brokers and other finance providers.
We act as an introducer or referral partner, helping connect customers with finance professionals and product providers that may be relevant to their requirements and circumstances. Where appropriate, we may refer or introduce your enquiry to one or more brokers, lenders, aggregators or Product Providers to assist in assessing or facilitating finance options.
3. What we collect
We may collect the following types of information:
Identity and contact information
name, date of birth, address
phone number and email
identification details (for example, driver licence or passport)
Financial and application information
income, expenses, assets, liabilities
bank statements and supporting documents
employment details
credit history information, where authorised
Business and director information
business identifiers such as ABN or ACN, business address, trading details
where relevant (for example, for company or trust lending), information about directors, partners, trustees or guarantors, including credit-related information where authorised.
Technical and usage information
IP address, device and browser information
website activity and analytics data
cookies and advertising identifiers
4. How we collect information
We collect information:
directly from you (forms, calls, emails, uploads)
from your nominated representatives (for example, accountant or broker), if you authorise that
from Product Providers, aggregators, and service partners involved in your application
from CRBs, where authorised
automatically through our website and tracking tools (see section 11)
5. Why we collect and use information
We collect and use information to:
assess your needs and eligibility for finance or insurance options
refer, introduce, prepare and submit applications to Product Providers (where requested)
verify your identity and reduce fraud risk (including online verification)
comply with legal and regulatory obligations, including responsible lending where applicable
communicate with you about your enquiry, application status, and next steps
improve our services, quality assurance, analytics, internal reporting and product development, including using aggregated anonymised data (see section 10)
If you do not provide required information, we may be unable to assist you.
6. Anonymity and pseudonymity
Due to identity verification, fraud prevention and (where applicable) credit-related obligations, we cannot provide finance assistance anonymously or under a pseudonym.
7. Credit reporting and CRBs
If you apply for finance, we may:
collect credit-related information from you and from CRBs (where authorised),
disclose information to Product Providers and they may disclose information to CRBs,
use that information to assess your application and eligibility.
8. Who we disclose information to
We may disclose your personal information (and where relevant, credit-related information) to:
Product Providers (lenders, lessors, insurers and other credit providers)
brokers and aggregators involved in placing or managing your application
any person who is a guarantor or proposes to be a guarantor
identity verification providers (including online verification providers)
service providers enabling us to place, process, support or manage your application (including document collection, bank statement analysis, open banking style data providers, e-signature tools, and CRM platforms)
your nominated parties (for example accountants, financial advisers, solicitors, bankers, brokers, trade references) where you authorise us to contact them to verify information or obtain supporting documents
the person or entity that referred you to us, including sharing application progress where it is relevant and permitted (see section 9)
professional advisers and support services (including accountants, auditors, valuers, conveyancers, legal advisers, insurers, and mailing or communications providers), where reasonably necessary
industry bodies, external dispute resolution schemes, tribunals or courts in connection with complaints, disputes, investigations or compliance matters
regulators, government agencies and law enforcement where required or authorised by law
any party considering acquiring an interest in our business or assets (for example, due diligence), subject to confidentiality safeguards
We do not sell your personal information.
9. Referrers and partner updates
If you were referred to us by a third party (for example, an accountant, broker, or partner), we may collect information from that referrer and disclose to them limited information about:
whether you engaged with us, and
the general status of your application or enquiry,
where relevant and permitted, and subject to any consent you provide.
10. Anonymised information
We may create and use aggregated and anonymised information derived from applications, outcomes, and service usage for business purposes such as:
service improvement,
internal analytics,
industry insights and reporting,
provided it is not disclosed externally in a way that could reasonably identify you.
11. Cookies, analytics and advertising
Our website may use cookies and similar technologies for performance, analytics and advertising. This may include tools such as Google Analytics, Google Tag Manager, Meta Pixel, and Google Ads conversion tracking.
You can manage cookies through your browser settings. Disabling cookies may affect site functionality.
12. Overseas storage and disclosure
We may store or process information using service providers whose servers are located outside Australia. Where this occurs, we take reasonable steps to ensure appropriate safeguards are in place.
13. Call recordings
For quality assurance, training, compliance and accurate record keeping, we may record phone calls and retain communication records relating to your enquiry or application.
We may communicate with you and provide documents electronically (including via email, SMS, online portals and e-signature tools).
14. Data security
We take reasonable steps to protect information from misuse, interference, loss and unauthorised access, modification or disclosure. However, no method of transmission or storage is completely secure.
15. How long we keep information
We retain information for as long as necessary to provide services and meet legal, regulatory, audit, and dispute resolution requirements. For credit-related services, record retention obligations may require us to keep certain records for a number of years (often at least 7 years), depending on the engagement and applicable law.
When no longer required, we take reasonable steps to destroy or de-identify the information
16. Access and correction
You may request access to, or correction of, personal information we hold about you by contacting us using the details below. We will respond within a reasonable timeframe (generally within 30 days), unless an exception applies.
17. Complaints
If you have a privacy complaint, contact us:
Email: a@capioo.com.au
We will acknowledge your complaint within 5 business days and aim to respond within 30 days.
If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).
18. Changes to this policy
We may update this Privacy Policy from time to time. The latest version will be available on our website and applies from the date it is published.
FAQ
What types of business loans do you offer?
How quickly can I get approved?
What if I am unsure which loan I need?
What do I need to apply?
Will this affect my credit score?
I’ve been declined before. Can you still help?
How much can I borrow?
How are repayments structured?
Let's Work Together
Contact Us
Contact Now
Let's get you Funded
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
No credit check. No jargon. Just a number.
Get a Loan →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.
Last updates May, 2026.
Privacy Policy
Capioo respects your privacy. This Privacy Policy explains how we collect, hold, use and disclose personal information and credit-related information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. By using our website or engaging our services, you consent to the practices described in this Privacy Policy.
1. Definitions
In this Privacy Policy:
Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable.
Credit information and credit eligibility information have the meanings given in the Privacy Act.
CRB means a credit reporting body.
Product Provider means a lender, credit provider, lessor, insurer, or other organisation that may provide a finance or insurance product (including any organisation not listed in a panel or schedule).
We, us, our means Capioo Pty Ltd and (where relevant) our contractors, representatives and related entities.
2. Who we are and what we do
Capioo helps individuals and businesses explore finance options and connect with lenders, brokers and other finance providers.
We act as an introducer or referral partner, helping connect customers with finance professionals and product providers that may be relevant to their requirements and circumstances. Where appropriate, we may refer or introduce your enquiry to one or more brokers, lenders, aggregators or Product Providers to assist in assessing or facilitating finance options.
3. What we collect
We may collect the following types of information:
Identity and contact information
name, date of birth, address
phone number and email
identification details (for example, driver licence or passport)
Financial and application information
income, expenses, assets, liabilities
bank statements and supporting documents
employment details
credit history information, where authorised
Business and director information
business identifiers such as ABN or ACN, business address, trading details
where relevant (for example, for company or trust lending), information about directors, partners, trustees or guarantors, including credit-related information where authorised.
Technical and usage information
IP address, device and browser information
website activity and analytics data
cookies and advertising identifiers
4. How we collect information
We collect information:
directly from you (forms, calls, emails, uploads)
from your nominated representatives (for example, accountant or broker), if you authorise that
from Product Providers, aggregators, and service partners involved in your application
from CRBs, where authorised
automatically through our website and tracking tools (see section 11)
5. Why we collect and use information
We collect and use information to:
assess your needs and eligibility for finance or insurance options
refer, introduce, prepare and submit applications to Product Providers (where requested)
verify your identity and reduce fraud risk (including online verification)
comply with legal and regulatory obligations, including responsible lending where applicable
communicate with you about your enquiry, application status, and next steps
improve our services, quality assurance, analytics, internal reporting and product development, including using aggregated anonymised data (see section 10)
If you do not provide required information, we may be unable to assist you.
6. Anonymity and pseudonymity
Due to identity verification, fraud prevention and (where applicable) credit-related obligations, we cannot provide finance assistance anonymously or under a pseudonym.
7. Credit reporting and CRBs
If you apply for finance, we may:
collect credit-related information from you and from CRBs (where authorised),
disclose information to Product Providers and they may disclose information to CRBs,
use that information to assess your application and eligibility.
8. Who we disclose information to
We may disclose your personal information (and where relevant, credit-related information) to:
Product Providers (lenders, lessors, insurers and other credit providers)
brokers and aggregators involved in placing or managing your application
any person who is a guarantor or proposes to be a guarantor
identity verification providers (including online verification providers)
service providers enabling us to place, process, support or manage your application (including document collection, bank statement analysis, open banking style data providers, e-signature tools, and CRM platforms)
your nominated parties (for example accountants, financial advisers, solicitors, bankers, brokers, trade references) where you authorise us to contact them to verify information or obtain supporting documents
the person or entity that referred you to us, including sharing application progress where it is relevant and permitted (see section 9)
professional advisers and support services (including accountants, auditors, valuers, conveyancers, legal advisers, insurers, and mailing or communications providers), where reasonably necessary
industry bodies, external dispute resolution schemes, tribunals or courts in connection with complaints, disputes, investigations or compliance matters
regulators, government agencies and law enforcement where required or authorised by law
any party considering acquiring an interest in our business or assets (for example, due diligence), subject to confidentiality safeguards
We do not sell your personal information.
9. Referrers and partner updates
If you were referred to us by a third party (for example, an accountant, broker, or partner), we may collect information from that referrer and disclose to them limited information about:
whether you engaged with us, and
the general status of your application or enquiry,
where relevant and permitted, and subject to any consent you provide.
10. Aggregated and anonymised information
We may create and use aggregated and anonymised information derived from applications, outcomes, and service usage for business purposes such as:
service improvement,
internal analytics,
industry insights and reporting,
provided it is not disclosed externally in a way that could reasonably identify you.
11. Cookies, analytics and advertising
Our website may use cookies and similar technologies for performance, analytics and advertising. This may include tools such as Google Analytics, Google Tag Manager, Meta Pixel, and Google Ads conversion tracking.
You can manage cookies through your browser settings. Disabling cookies may affect site functionality.
12. Overseas storage and disclosure
We may store or process information using service providers whose servers are located outside Australia. Where this occurs, we take reasonable steps to ensure appropriate safeguards are in place.
13. Call recordings and electronic communications
For quality assurance, training, compliance and accurate record keeping, we may record phone calls and retain communication records relating to your enquiry or application.
We may communicate with you and provide documents electronically (including via email, SMS, online portals and e-signature tools).
14. Data security
We take reasonable steps to protect information from misuse, interference, loss and unauthorised access, modification or disclosure. However, no method of transmission or storage is completely secure.
15. How long we keep information
We retain information for as long as necessary to provide services and meet legal, regulatory, audit, and dispute resolution requirements. For credit-related services, record retention obligations may require us to keep certain records for a number of years (often at least 7 years), depending on the engagement and applicable law.
When no longer required, we take reasonable steps to destroy or de-identify the information
16. Access and correction
You may request access to, or correction of, personal information we hold about you by contacting us using the details below. We will respond within a reasonable timeframe (generally within 30 days), unless an exception applies.
17. Complaints
If you have a privacy complaint, contact us:
Email: a@capioo.com.au
We will acknowledge your complaint within 5 business days and aim to respond within 30 days.
If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).
18. Changes to this policy
We may update this Privacy Policy from time to time. The latest version will be available on our website and applies from the date it is published.
FAQ
01
What types of business loans do you offer?
02
How quickly can I get approved?
03
What if I am unsure which loan I need?
04
What do I need to apply?
05
Will this affect my credit score?
06
I’ve been declined before. Can you still help?
07
How much can I borrow?
08
How are repayments structured?
Let's Work Together
Contact Us
Contact Now
Let's get you Funded
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
No credit check. No jargon. Just a number.
Get a Loan →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.