Privacy Policy
COG Financial Services Limited (ACN 100 854 788)
Introduction
COG Financial Services Limited (COG) is committed to protecting your privacy and handling personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and other applicable privacy laws and regulations. This Privacy Policy explains how COG handles personal information that it collects directly or otherwise receives in the limited circumstances in which it does collect, receive and handle personal information.
This Privacy Policy applies to COG and any subsidiary that does not maintain its own privacy policy. Subsidiaries that provide financial services, including credit assistance and related services, generally maintain their own privacy policies, which explain how those entities collect, use, disclose and manage personal information. If you deal with one of those subsidiaries, you should refer to the privacy policy of that entity.
References in this Privacy Policy to “COG”, “we”, “us” and “our” include COG Financial Services Limited and any of its subsidiaries that have adopted this Privacy Policy.
What is personal information?
“Personal information” has the meaning given in the Privacy Act, and means any information or opinion, whether true or not, and whether recorded in a material form or not, about an identified individual or an individual who is reasonably identifiable. This includes information or an opinion that personally identifies you either directly or indirectly.
What personal information do we collect?
The personal information we collect about you depends on the nature of your dealings with us and/or what you choose to share with us. The personal information we collect about you may include: your name, contact details, information provided in connection with employment applications, and/or any other such personal information that we may reasonably require from you or that you may voluntarily provide to us.
How do we collect personal information?
We may collect personal information from you when you contact us via telephone, online, by email or in person; when you subscribe to our mailing list; when you submit an enquiry through our website; when you attend an event organised by us; when you apply for a position with us; when you deal with us through a third party; and in other circumstances where we are reasonably required to collect or otherwise obtain your personal information. We may also collect information from publicly available sources or third parties where it is reasonable and lawful to do so.
How do we use personal information?
We may use personal information for purposes in connection with our functions and activities, including: providing you with information or services that you request from us; communicating with shareholders, investors, business partners, prospective employees and other stakeholders; improving the quality of the services we offer; for administrative purposes; for marketing purposes; and for other purposes that are reasonable and lawful in carrying out our business activities.
Disclosure of personal information
We may disclose personal information to our related entities, to third parties in accordance with this Policy in circumstances where you would reasonably expect us to disclose your information, including to third party service providers (for example, our IT providers); our marketing providers; professional services advisors, or as otherwise reasonably and lawfully required.
Transfer of personal information outside of Australia
Some of our service providers may be based in or have servers located outside of Australia, including in Vietnam and/or the Philippines. Where we disclose personal information outside Australia, we will take reasonable steps to ensure that the recipient handles the information in a manner consistent with applicable privacy laws, unless an exception under the Privacy Act applies or the disclosure is otherwise required or authorised by law.
Storage of personal information
We may hold personal information in hard copy and electronic form. We will take reasonable steps to ensure that the personal information that we hold about you is kept confidential and secure. We will not keep your personal information for longer than we need to, subject to any requirement to retain personal information to comply with applicable laws or record-keeping obligations.
Website information and cookies
Our website may use cookies and similar technologies to improve website functionality and understand how visitors use our website. Most web browsers allow you to control or disable cookies through your browser settings. However, doing so may affect the functionality of our website.
COG website(s) may contain links to websites operated by third parties. We make no representations or warranties in relation to the privacy practices of any third party and are not responsible for the content or privacy practices of any third-party website.
Direct marketing
We may send you direct marketing communications and information if you have requested or consented to receive such communications. These communications may be sent in various forms in accordance with applicable marketing laws, including the Spam Act 2003 (Cth). You may opt out of receiving marketing communications from us at any time using the unsubscribe facility included in the communication or by contacting us.
Access and correction
You may request access to, or correction of, personal information that we hold about you by contacting us. We will respond to your request within a reasonable period and in accordance with applicable privacy laws.
Complaints
If you have a complaint about how we have handled your personal information, please contact us. We will investigate your complaint and endeavour to respond within a reasonable period. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner at www.oaic.gov.au.
Contact
Privacy Officer
COG Financial Services Limited
Email: [email protected]
Address: PO Box 805, North Sydney NSW 2060
Policy History
Last review: 27 July 2026 (effective)
Review frequency: As required