Our Commitment to Privacy
Bowral Capital respects your privacy and is committed to protecting personal information we collect and hold about you. This Privacy Policy explains how we collect, use, store, and disclose your information in accordance with the Privacy Act 1988 (Cth) and Australian Privacy Principles. We comply with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). Identification and tax information may be required before investment or loan settlement.

Information We Collect
We collect personal information necessary to provide our lending and investment services, including:

• Identification details (name, address, date of birth, contact details)
• Financial information (income, assets, liabilities, bank account details)
• Credit history and references
• Property and security information
• Professional details (occupation, employment history)
• Investment objectives and risk tolerance
• Communications and correspondence with us

We collect this information directly from you through forms, applications, correspondence, and meetings. We may also collect information from third parties such as credit reporting agencies, valuers, brokers, and referees where authorised 
by you.

How We Use Your Information
Your information is used for:

• Assessing lending applications and investment suitability
• Facilitating loan settlements and ongoing loan management
• Communicating about opportunities, updates, and account matters
• Meeting legal, regulatory, and compliance obligations
• Improving our services and processes

Disclosure of Information
We may disclose your information to:

• Service providers assisting with our business (legal advisors, valuers, accountants, IT providers)
• Other investors or lenders in syndicated loan arrangements (with your consent)
• Credit reporting agencies as permitted by credit reporting legislation
• Government agencies and regulators as required by law
• Your authorised representatives, brokers, or financial advisors

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

Data Security
We implement appropriate physical, electronic, and procedural safeguards to protect your information from unauthorised access, use, disclosure, or destruction. However, no data transmission over the internet or storage system can be guaranteed to be completely secure.

Access and Correction
You have the right to access and request correction of personal information we hold about you. Contact us using the details below to request access or correction. We may charge a reasonable fee for processing access requests.

Complaints
If you have concerns about how we’ve handled your personal information, please contact us first. If you’re not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (www.oaic.gov.au).

Changes to This Policy
We may update this Privacy Policy from time to time. The current version will always be available on our website with the effective date noted.

Contact Us
For privacy-related questions or to exercise your rights:

Bowral Capital


Suite 3, 47 Bowral Street, Bowral NSW 2576

Email: paul.reese@bowralcapital.com.au

Phone: +61 2 3805 9165