Commercial Funding Australia

Privacy Policy

Last updated: 24 September 2026

We handle personal information carefully. We collect only what we need to arrange finance and to run this business. We do not put personal information about clients, applicants, guarantors, or staff into AI tools.

Where the Privacy Act 1988 (Cth) applies to us, we comply with it. We also follow the privacy and credit-reporting requirements that apply to our role as a credit representative.

Who we are

Commercial Funding Australia ABN 63 120 087 705

44 Lakeview Drive, Scoresby VIC 3179

Phone: 0418 179 100

Email: admin@commfund.com.au

Website: www.commfund.com.au

We are a credit representative of COG Aggregation Pty Ltd (ABN 99 124 319 857), Australian Credit Licence 389527.

What we collect

Depending on the enquiry or application, we may collect:

name, address, email and phone number
date of birth and identification details (for example a driver’s licence number)
copies of identification documents, where needed to identify you and complete a lender’s verification process
business details, occupation and time in business
financial information such as income, assets, liabilities, bank statements and accountant details
credit-related information needed to assess or lodge an application
information about directors, guarantors or other people you ask us to include
records of our calls, emails and meetings with you

Income, bank statements and credit history are personal information, and may be credit information. They are not “sensitive information” under the Privacy Act. We do not seek health, racial, political or other sensitive information unless the law requires it for a particular file.

If you give us information about someone else, you must have the right to provide it and should tell them you are doing so.

You can browse most of the website without sending us an application. If you use a form, we collect what you type in.

How we collect it

We collect information from you when you:

submit a website form or pre-approval request
email, call or meet us
send documents for a finance application

We may also collect information from people you authorise (for example an accountant, broker or supplier) and from lenders or registers where that is allowed and needed to arrange finance.

Why we use it

We use personal information to:

respond to enquiries
work out whether we can assist and which lenders may be suitable
prepare and lodge applications
manage the file through to settlement and any follow-up
identify you and complete lender verification
meet legal obligations that apply to us, including credit, tax and AML/CTF rules where they apply
improve how we work, using de-identified information where we can

We do not sell your personal information.

Who we disclose it to

We only share personal information when it is needed for the purposes above, or when the law requires it. That may include:

lenders and finance providers on our panel
our aggregator, COG Aggregation Pty Ltd
insurers, valuers or other specialists involved in your transaction
IT and website providers who host email, files or this site
our professional advisers
ASIC, AUSTRAC, the ATO or other regulators when required

Overseas disclosure

Some providers that help us run email, the website or files may store or access information outside Australia, including in the United States. If that happens, we take reasonable steps so the information is handled with care. We remain responsible for information we send.

Artificial intelligence

We may use AI tools to draft general website copy, internal checklists or generic process notes that do not identify anyone.

We do not enter personal information about clients, applicants, guarantors, referees or staff into AI tools. That includes names, contact details, identification documents, bank statements, credit files and application packs. Those records stay in our ordinary email, files and lender systems.

We do not use AI to approve, decline or score finance applications. A person makes those decisions.

Identification documents

We may collect a copy of your identification to confirm who you are and to complete the lender’s verification process. We still identify customers early to reduce fraud risk.

Once a deal has settled, been withdrawn, been declined or not proceeded — and we no longer need the copy for another live application, a lender request, a dispute or another lawful reason — we delete or destroy that copy as soon as reasonably practicable.

We keep a short record that identification was completed, such as document type, number, expiry date and how it was verified. We do not keep the image “just in case” for future business. We do not keep copies only for AML/CTF record-keeping or aggregator audit once verification is done.

If a lender’s own system holds a copy we cannot delete, that holder is responsible for its system. We still delete any copy we hold outside that system.

Website and cookies

This site is hosted on a third-party platform. The server may log technical data such as IP address, browser type, pages viewed and date of visit, which the host uses to run and secure the site.

The enquiry form is protected by Google reCAPTCHA. Google’s privacy policy and terms apply to that tool.

You can limit cookies in your browser settings. Some site features may not work as well if you do.

Direct marketing

If you become a client, we may email you service updates and occasional newsletters about finance and related services. You can opt out at any time by using the unsubscribe link, emailing admin@commfund.com.au, or calling 0418 179 100. We will stop marketing to that address. This does not stop us contacting you about an existing application or a loan we have already arranged.

Storage and security

We keep information in email, files and systems needed to arrange finance. We take reasonable steps to protect it from misuse, loss and unauthorised access. No online transmission is completely secure.

How long we keep it

We keep application and finance records for as long as we need them to arrange the loan and to meet legal record-keeping rules. That is often up to seven years after the matter ends. We then destroy or de-identify information where we reasonably can.

Copies of identification documents are kept only for as long as set out under Identification documents above.

Access and correction

You can ask what personal information we hold about you, and ask us to correct it. Email admin@commfund.com.au or call 0418 179 100. We will need to confirm it is you. We aim to respond within 30 days. If we cannot give access, we will say why.

Complaints

If you are unhappy with how we have handled personal information:

Write to Dustin Rhode, Complaints Officer, at admin@commfund.com.au or 44 Lakeview Drive, Scoresby VIC 3179.
We will acknowledge a written complaint within five business days and aim to respond within 30 days.

If you are not satisfied, you can contact the Office of the Australian Information Commissioner at oaic.gov.au or 1300 363 992.

Complaints about our credit assistance may also be taken to the Australian Financial Complaints Authority (AFCA), through the process that applies to COG Aggregation Pty Ltd as the licence holder. See afca.org.au or ask us for the current membership details.

Changes

We may update this policy when our practices or the law change. The current version will be on this page.

Contact

Commercial Funding Australia

44 Lakeview Drive, Scoresby VIC 3179

0418 179 100

admin@commfund.com.au