Privacy Policy

This privacy policy explains how we collect Personal Information and how we maintain, use and disclose that information. It also provides some detail about your privacy rights along with our general rights and obligations and our policy in relation to the Personal Information we keep on record.

We will abide by the Australian Privacy Principles for the protection of Personal Information, as set out in the Privacy Act 1988 (Cth) and any other relevant law.

Unless otherwise indicated, capitalised terms are defined in our Terms of Use.

1. What is Personal Information?

1.1 Personal Information is any information or an opinion, in any form and whether true or not, about an identified individual or an individual who is reasonably identifiable. The Personal Information we hold about you may also include Credit Information.

1.2 We do not collect sensitive information about you such as your religion or health related information. We will ask for your consent before we collect and hold sensitive information about you.

2. What Personal Information do we collect and hold and how is it collected?

2.1 We collect from you (either directly or when you access and use our Services via our Site) Personal Information such as your name, date of birth, address, contact number and email address and any other information we may need to identify you.

2.2 You do not need to give us any Personal Information about you or any other person which may be requested in our communications with you. However, without that Personal Information, or if you give us incorrect or inaccurate Personal Information, we may not be able to provide you with our Services.

2.3 Other kinds of Personal Information we may collect and hold about you include your current bank and branch or BSB, existing loan balances, occupation, employment history, income details and employer information.

3. Why we collect your Personal Information

We collect, hold and use your Personal Information for the purposes of:

(a) enabling Providers to view a de-identified customer profile for the purpose of finding the best provider for you to assist you in your home loan inquiry;

(c) providing our Services to you;

(d) dealing with complaints or issues you may have in relation to our Services;

(e) reviewing your dealings with us, including the Services you use, your potential needs, and new services that might be of interest to you or other customers;

(f) sharing with you updates, including any software updates;

(g) ensuring our internal business operations are running smoothly which may include fulfilling legal requirements and conducting confidential systems maintenance and testing;

(h) direct marketing (from time to time we or businesses affiliated with us may offer you other products and services);

(i) other related purposes.

4. When do we disclose your Personal Information?

4.1

(a) We may disclose your Personal Information to our providers who will be able to contact you to offer their services.

(b) Providers: We provide Providers with a de-identified customer profile (which includes your information which you’ve provided and is current at the date it was issued) for the purpose of providing you the best cash back offer for your home loan. If a Provider’s offer is accepted by you, that successful Provider will be provided with your full customer profile. In addition, if you do not accept any of the provider’s Responses submitted by Providers in respect of your cash back Request, we may provide your full customer profile to an Opted-In Provider (please see paragraph 7.3 of our Terms of Use and the FAQ page on our Website for further details). We provide Lending partners with basic information such as your loan amount, name, employment status, annual income and email address when you successfully submit a Cash Back Loan application.

(d) Direct marketers: To associated business that may want to market products to you. If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting us on hello@cashbackloans.com.au.

(e) Anyone who represents you or where you have provided us consent.

(f) Investors, agents or advisers, or any entity that has an interest in our business.

(g) Government agencies or regulatory bodies where required to do so by law.

4.2 Prior to disclosing any of your Personal Information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

(a) the person or organisation has a commitment to protecting your Personal Information at least equal to our commitment; or

(b) you have consented to us making the disclosure.

4.3 By using our Services you are deemed to have consented to our use, disclosure and other matters in relation to your Personal Information, as set out in this policy and our Terms and Conditions.

5. Other information we collect

5.1 We also collect some statistical information about visitors to our Website (for example, the number of visitors and members, pages viewed, types of transactions conducted, time online and documents downloaded). Some of this statistical information is collected by using cookies, but this statistical information does not allow us to identify a visitor.

5.2 We use this statistical information to evaluate our Website performance and to improve our loyalty programs and Services.

5.3 We may disclose or sell this statistical information to third parties including advertisers or potential advertisers. Other than statistical information, we do not collect any information about you through our Website or unless you voluntarily provide the information to us.

6. Links to third party sites

6.1 This privacy policy does not apply to parties that may be linked or associated with our Website and to whom you disclose Personal Information.

6.2 These links are provided for your convenience and do not represent our endorsement of any linked third party website. Those website owners are responsible for the privacy of the information they collect and we recommend that you check the privacy policies of these third parties prior to providing them with your Personal Information.

OTHER MATTERS

7. Security of your Personal Information

7.1 We will take reasonable steps to protect your Personal Information from misuse, loss and unauthorised access, modification or disclosure by storing it in a secure environment.

7.2 Your Personal Information may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store your Personal Information and the IT servers will be located in Australia.

8. Updating and correcting your Personal Information

8.1 We will rely on you to ensure the Personal Information we hold about you is accurate or complete.

8.2 If any of the Personal Information we hold about you is incorrect, inaccurate or out of date you may contact us at hello@casbackloans.com.au and request that we correct the information.

8.3 If appropriate we will correct the Personal Information at the time of the request, otherwise, we will provide an initial response to you within 7 days of receiving your request. We will provide you with details about whether we have corrected the Personal Information within 30 days.

8.4 If we refuse to correct your Personal Information, we will provide you with our reasons for not correcting that information.

9. Access to your Personal Information and credit reporting information

9.1 You may request access to any of the Personal Information we hold about you at any time by contacting us at hello@cashbackloans.com.au. We may charge a fee for our costs of retrieving and supplying the information to you.

9.2 We usually respond to you within 7 days of receiving your request. We may need to contact other entities to properly investigate your request.

9.3 There may be situations where we are not required to provide you with access to your Personal Information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

9.4 We will provide you with an explanation if we deny you access to the Personal Information we hold about you.

10. Using government identifiers

If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.

11. Complaints

11.1 If you are dissatisfied with how we have dealt with your Personal Information, or you have a complaint, please contact us at hello@cashbackloans.com.au.

11.2 We will acknowledge your complaint within 7 days. We will provide you with a decision on your complaint within 30 days.

12. Change in our privacy policy

12.1 We may change this privacy policy from time to time. You should regularly review this page to familiarise yourself with our updated privacy policy.

15.2 You may request this privacy in an alternative form.

This policy was updated on 19th September 2025

Terms & Conditions

Acceptance of Terms of Use

This page states terms and conditions under which you are authorised to use this website (“Agreement”). Please read this page carefully.

Your use of this website hereby constitutes acceptance of this Agreement. As such you acknowledge that you have:

(a) Read and acknowledge this Agreement carefully; and

(b) Accept this Agreement in its entirety.

The copyright holder reserves the right to revise this Agreement at any time, at their sole discretion, by updating this posting (“Amended Agreement”). You agree to review this Agreement periodically so that you are aware of any such updates and/or amendments, at which time you may either agree to such changes or discontinue the further use of this website. Your continued use of this website after the copyright holder posts such updates and/or amendments will constitute your acknowledgement and acceptance of the Amended Agreement and the updates and/or amendments in the Amended Agreement.

1. Trademarks

All trademarks, product names and company names or logos cited herein are the property of their respective owners.

2. Copyright

Any information, documents, graphics, software, products or services obtained from this website (“Content”) is protected by copyright laws under both Australian and foreign laws. Unauthorised use of the Content may violate copyright, trademark, and other laws. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of same. All content on this website is subject to and protected by Copyright © 2008 ALL RIGHTS RESERVED.

3. Intellectual Property

You acknowledge and accept that the Copyright holder shall retain all copyright and other intellectual property in any Content and you have no claim now or in the future in relation to the copyright and other intellectual property of the Copyright holder.

4. Limits on Use

This website is owned and operated by the Copyright holder, and is for your personal, non-commercial use. You acknowledge and accept that you may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell in any way the Content of this website. You may view the Content in its present form and you may download on any single computer one (1) copy of the Content for your personal, non-commercial home use, provided that you keep intact all copyright and other proprietary notices. The use of any of the Content on any other website or networked computer environment is strictly prohibited. You agree and acknowledge that any that unauthorised use of the Content may subject you to civil or criminal liability.

5. Disclaimer of Warranties

The content published on this website may include inaccuracies or typographical errors. The Copyright holder does not warrant or make any representations regarding the use or the results of the use of the content on website site in terms of their correctness, accuracy, reliability or otherwise. You acknowledge that you are solely liable for the entire cost of all necessary repair or correction or consequential loss. Where law prevents this exclusion, liability of the copyright holder shall be limited to the amount of money paid by you for the use of their services. The content of this website is for information purposes only and must not be relied on as a substitute for professional or legal advice. You should obtain independent legal and professional advice before action on any information idea or concept stated or implied on this site to assess its suitability for your own personal circumstances. The Copyright holder does not warrant that the functions contained in it’s website content will be uninterrupted or error free, that defects will be corrected or that this website or the server that makes it available are free of viruses or other harmful content.

6. Disclaimer of Consequential Damages

In no event shall the Copyright holder, its content suppliers, or any third parties mentioned at this website be held liable for any direct, indirect, punitive, incidental or special or consequential damages arising out of or in any way connected with the use of this website or with the delay or inability to use this website, for the content obtained through this website, or otherwise arising out of the use of this website, whether based on contract, tort, strict liability or otherwise. Where law prevents this exclusion, liability shall be limited to the extent permitted by law and the Copyright holder shall be limited to the amount of money paid by you for the use of their services.

7. Third Party Content on Site

You acknowledge and agree that this Web site may contain Content provided by other users, Content suppliers and other third parties. The copyright holder makes no representations with respect to, nor does it guarantee, warrant or endorse the quality, non-infringement, accuracy, completeness, timeliness, reliability or correct sequencing of such third-party Content or any other Content that such third-party Content may access. The Copyright holder expressly disclaims responsibility and liability for all third-party provided Content contained or accessible through this website.

8. Links to Other Sites

This website may contain links to third-party websites. These links are provided solely as a convenience to you and not as an endorsement by the Copyright holder of the Content on such third-party websites. The Copyright holder is not responsible for the Content of any linked third-party websites and does not make any representations regarding the Content or accuracy of any Content on such third-party websites. If you decide to access linked third-party websites, you acknowledge and agree that you do so at your own risk.

9. Limitation of Liability Force Majeure and Indemnity from Liability to Third Parties

Without limiting the effect of Clause 10 and to the full extent permitted by law, the Copyright holder, its servants and agents shall not be responsible for loss or damage of any kind whatsoever, arising in or out of, or in any way connected with, whether direct or indirect, its Content and website (whether caused by negligence or wilful default by the Copyright holder, its servants or agents). You acknowledge and accept that unless otherwise expressly provided in a Software License or Legal Notice, the aggregate liability for the Copyright holder and its Content suppliers to you for all claims arising from the use of the Content (including Software) is strictly limited to $100; The Copyright holder shall not be held liable in any event for any consequential loss whether or not the Copyright holder had knowledge or ought to have had knowledge that such damage might be or would were reasonably likely to be incurred.

10. Indemnity

Without limiting the effect of these Terms of Use, you acknowledge and agree to defend, indemnify and keep indemnified, and hold harmless the Copyright holder and all of its officers, directors, employees, agents and Content suppliers, from and against any and all claims, actions or demands, including without limitation, reasonable legal and accounting fees, alleging or resulting from your use of this website and the Content (including without limitation, Software) or your breach of this Agreement. You acknowledge and agree that you will indemnify and keep indemnified the Copyright holder from any breach of these Terms of Use. The Copyright holder shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your own expense, in defending any such claim, suit or proceeding.

11. Export Control

Australia controls the export of products and information. You acknowledge and agree to comply with such restrictions and not to export or re-export the Content (including Software to countries or persons prohibited under the export control laws. By downloading the Content (including Software), you are acknowledging and agreeing that you are not in a country where such export is prohibited or are a person or entity to which such export is prohibited. You acknowledge and agree that you are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of the Content.

12. General

This Agreement is effective until terminated by either party. You may terminate this Agreement at any time by destroying all Content obtained from any and all the Copyright holders’ websites and all related documentation and copies and installations thereof, whether made under the terms and conditions of this Agreement, or otherwise. This Agreement will terminate immediately without notice from the Copyright holder if, in the Copyright holder’s sole discretion, you fail to comply with any of the Terms of Use in this Agreement. Upon termination, you must destroy all Content obtained from the website and any and all other of the Copyright holder’s websites and all copies thereof, whether made under the Terms of Use of this Agreement, or otherwise. This website is based in Sydney, NSW, Australia. The Copyright holder makes no claims that the Content is appropriate or may be downloaded outside of NSW. Access to the Content (including Software) may not be legal by certain persons or in certain countries. If you access this website from outside of Australia, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. This Agreement is governed by the internal substantive laws of the State of NSW, Australia, without respect to its conflict of laws principles. This Agreement shall not be governed by the United Nations Convention on Contracts for the International Sales of Goods. If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in a particular “Legal Notice” or Software License or Content on particular web pages, this Agreement constitutes the entire Agreement between you and the copyright holder with respect to the use of this website. The Copyright holder reserves the right to make changes to this website and to this Agreement at any time without notice.

13. Notification of Liability

Any claim for loss or damage must be notified in writing to the Copyright holder in writing.

14. Choice of Laws/Venues

You agree that any disputes involving this website shall be adjudicated to any Court located in NSW, Australia and you agree to submit to the exclusive jurisdiction of the Courts in NSW, Australia.

CASHBACK RULES

1. You will start to receive your cash back component once your home loan is settled. The first payment will take place approximately 3 months after settlement

2. Your cash back component will be paid over a 24-month period.

3. Your monthly cash back will cease effectively immediately if you:

1. (a) Pay off your home loan balance to $0
2. (b) Refinance out to another bank through another broker or directly with the bank/lender
3. (c) Close the loan due to the sale of a property, or
4. (d) Have 100% fully offset against the home loan balance.