Effective Date: 20 May 2025

This Privacy Policy explains how XTO Capital Group Pty Ltd (ABN: 29 672 522 673) (“we”, “us”, “our”) collects, uses, discloses, and protects your personal information when you access our website, complete a form, or use any of our services or tools.

We are a Credit Representative (CRN: 556131) of Finsure Finance & Insurance Pty Ltd (ACL 384704) and comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What Personal Information We Collect

We may collect the following types of personal information when you engage with our website or services:

Name

Business or company name

Email address

Phone number

Survey responses

Financial indicators (e.g. debt amount, ATO status, property ownership)

Consultation details or booking preferences

We may also collect information about your device or browsing session, such as IP address, browser type, or session activity.

2. How We Collect It

We collect personal information through:

Website forms (e.g. calculators, surveys, tools)

Contact and booking forms

Direct communication (e.g. email, SMS, phone)

Third-party tools used in our lead or report automation workflows

3. Why We Collect It

We collect this information to:

Deliver tools, calculators, and reports (such as the ATO Repayment Pressure Score)

Contact you regarding your results or related services

Refer you to a licensed broker, adviser, or specialist (if applicable)

Book consultations and provide follow-up communication

Comply with credit-related obligations and reporting requirements

Improve the performance of our site and lead experience

4. How We Store and Protect Your Information

We store personal data securely using encrypted, cloud-based platforms hosted in Australia or through providers that comply with Australian privacy laws. These may include CRM, form capture, email, and automation tools.

We take reasonable steps to prevent misuse, unauthorised access, interference, loss, or disclosure of your personal information.

5. Disclosure of Information

We may disclose your information to:

Internal staff or authorised credit representatives

Third-party technology providers (e.g. CRM or automation systems)

Finance brokers or advisers we refer you to (with your consent)

Legal or regulatory bodies where required by law

We do not sell or rent your personal data under any circumstances.

6. Access and Correction

You have the right to request access to the personal information we hold about you. You may also ask us to correct any errors or outdated information. Requests can be made by contacting us via the email below.

7. Direct Marketing

By submitting your information, you consent to us contacting you via email, SMS, or phone regarding your request, your results, or related services.

You can opt out of marketing communications at any time by:

Clicking the unsubscribe link in emails, or

Contacting us directly at [email protected]

8. Cookies and Website Tracking

We may use cookies and session tracking tools to improve user experience, measure engagement, and optimise performance. These do not collect personal information unless you submit it directly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The most recent version will always be published on our website. Continued use of our services after updates constitutes acceptance of the revised policy.

10. Contact Us

If you have any questions or concerns regarding your privacy or this policy, contact us:

Email: [email protected]

Business: XTO Capital Group Pty Ltd

ABN: 29 672 522 673

Registered in: New South Wales, Australia