Privacy Policy
Version date January 2025
This Privacy Policy explains how we collect your Personal Information and how we maintain, use and disclose that information. This Privacy Policy does not apply to parties that may be linked or associated with our website or services we offer (for example, our Product Providers) and to whom you may disclose Personal Information. You agree to this Privacy Policy by accessing, browsing, or using this website. In this Privacy Policy:
What information do we collect?
We collect the following personal and business information in order to carry out the services offered by our website & employees:
We will not seek to collect sensitive information (e.g., information on your health or criminal records, or your racial or ethnic background), unless it is necessary to carry out our services. If we do have to collect such sensitive information, we will do so in accordance with the Australian Privacy Principles under Australian law.
How do we use the information we collect?
We will use the information you have provided to:
Exchange of information
We may exchange your information with:
Other disclosure to 3rd parties
By accepting this Privacy Policy, you agree that your information may be shared with third-party contractors that provide services to Cashflowpartners.ai. In such circumstances, your information will be treated as confidential and private, and not used for any purpose other than that which is authorised by Cashflowpartners.ai.
Additionally, Cashflowpartners.ai may share Personal Information about our user base with carefully selected third parties, so they can offer goods and services that may be of interest to you. If you do not wish to receive offers from such third parties, you will be able to opt-out of these communications through your user account.
Aside from the disclosures set out above, we may also make disclosures as required by law. You acknowledge and agree that we may disclose information you provide if required to do so by law, or if we, in our sole discretion, believe that disclosure is reasonable to:
Combination of information with external data sources
From time to time, we may gain access to external data sources that includes information about our customers. We may combine that data with the personal and business information collected above in order to carry out our business purposes. In circumstances where we gain information from an external source, it will only be used for the specific purpose for which it was provided to us by the external source.
Security of Personal Information
Cashflowpartners.ai maintains security measures to protect against loss, misuse or unauthorised alteration of information stored in our database. We will exercise care in providing secure transmission of information between your computer and our servers, but we cannot ensure or warrant the security of any information submitted via the internet.
Cross border disclosure of Personal Information
We may hold or process the information collected from you on servers located overseas, including for storage, hosting, analytical, reporting, testing, and filtering purposes. If we do this, we ensure that the organisations providing the servers have appropriate data handling and security standards to comply with this policy.
In some circumstances, we may also disclose Personal Information to parties operating outside Australia. Where this occurs, we take steps to protect Personal Information against misuse or loss and to comply with local law in respect of the transfer of your data from one jurisdiction to another. Those parties, in turn, may make such information available to the governments of such other countries in accordance with local law requirements.
The countries where your Personal Information may be held or exchanged include the United States and the Philippines.
By using our website and services and providing us with your Personal Information, you consent to the disclosure of your Personal Information to locations outside Australia, including the countries listed above.
Correction of information
To ensure that our product and service offering is most appropriate to your situation, it is important for us, and for you, that the information we hold about you and your business is accurate. We request that you contact us with any updates to keep this information up to date.
Access to your information
You may request access to the information that we hold about you through the contact details on our website. We will process your request within a reasonable time, which will depend on the nature and size of the request. There is no fee for making a request for information. However, we may charge you the cost of processing your request (for example, an hourly rate of the person assigned to collate your information, and any out of pocket expenses such as photocopying).
In some circumstances, where empowered to or required to by law, we may refuse access to certain Personal Information. If we refuse access to any Personal Information, we will give you notice of the reasons for refusal.
Amendment of this policy
We may choose to amend this policy from time to time, and will notify you of any changes to this policy that require your consent. In the event we make any material changes to this policy, we will notify you by email and change the revision date at the top of this policy. In addition, we encourage you to review this page from time to time in order to stay abreast of any changes to the policy.
Process if you have a privacy complaint
We will do our best to respond promptly to any questions or complaints you have regarding our privacy processes. If at any time you have a complaint about our collection, handling, use or disclosure of information, please write to us at:
AI Cash Flow Partners Pty Ltd.
PO BOX 6181 Marrickville South NSW 2204, Australia
info@cashflowpartners.ai
Contact details and complaints
If you would like to contact us about this Privacy Policy, or have any questions or complaints, please email or write to us through the contact form available on our website, by sending mail to the address below or by sending an email to the address below:
AI Cash Flow Partners Pty Ltd.
PO BOX 6181 Marrickville South NSW 2204, Australia
info@cashflowpartners.ai
Schedule of Product Providers
Australia and New Zealand Banking Group (ANZ) • Commonwealth Bank of Australia (CBA) • National Australia Bank (NAB) • Westpac Banking Corporation (Westpac) • St. George Bank • Bank of Queensland • Judo Bank Pty Ltd • Macquarie Group • Suncorp Australia • Angle Finance • Australian Motorcycle and Marine Finance Pty. Ltd. • “AutoPay” a trading name for MoneyMe Financial Group Pty Ltd • Automotive Financial Services Pty Ltd](https://www.afs.com.au/) • Azora Finance Pty Ltd • Bigstone Finance Pty Ltd • BizCap AU Pty Ltd • Branded Financial Services • Capital Finance Australia Limited • Capify Australia Pty Limited (ABN 38 630 469 117) of Level 4, 18 Smith Street, Parramatta, New South Wales 2150 (“Capify”) • Cashflow Finance Australia Pty Ltd • Classic Funding Group • Finance One Commercial Pty Ltd • Finstro Holdings Pty Ltd • Firstmac Asset Funding Pty Ltd and its related bodies corporate(https://www.firstmac.com.au/) • Flexfleet Pty Ltd • GetCapital Pty Ltd • GC Leasing Sydney Pty Ltd t/a “Grenke” • Group and General Finance Pty Ltd • Grow Finance Pty Ltd • Latitude Auto Financial Services(https://www.latitudefinancial.com.au/) • Latitude Personal Finance Pty Ltd(https://www.latitudefinancial.com.au/)• LaTrobe Financial • Larrijade Pty. Limited (trading as Drive Finance) • Leasewise Australia Pty Ltd • Liberty Financial Pty Ltd • Lumi Financial Management Pty Limited ABN 79 627 897 643 and Lumi Finance Pty Limited • ABN 75 627 897 625 Metro Finance • Moneytech Services Pty Ltd(https://www.moneytech.com.au/) • Morris Finance Ltd • Multipli Pty. Limited • NTI Limited • On Deck Capital Australia Pty Ltd • ORDE Financial Pty Ltd • Pepper Group Pty Limited • Plenti Pty Limited • Prospa Advance Pty Ltd • Quest Finance Australia Pty Ltd • Resimac Asset Finance Pty Ltd ABN 93 098 034 041 https://www.resimacassetfinance.com.au/ • Scottish Pacific Business Finance Pty Ltd • Shift Financial Pty Ltd, formerly trading as Get Capital • Silver Chef Rentals Pty Ltd • Specialist Equipment Leasing Finance Company Pty Ltd t/as SELFCO • Sonder Finance Pty Ltd • TL Rentals Pty Ltd • True Pillars Pty Ltd • United Loan Solutions Pty Ltd t/a “Gedda Money”](https://www.gedda.com.au/) • Wisr Finance Pty Ltd • Yamaha Motor Insurance Australia Pty Ltd t/a “Australian Motorcycle & Marine Finance”](https://www.ammf.com.au/) AQUAMORE FINANCE PTY LTD Pty Ltd t/a "Aquamore Finance" https://aquamore.com.au/about/
Version date January 2025
The following terms and conditions (“Terms”) apply to your use of this AI CASH FLOW PARTNERS PTY LTD (ACN 683 628 097) (“cashflowpartners.ai”) website & services. Your use of the website means that you accept these Terms and our Privacy Policy. If you do not agree to be bound by these Terms and our Privacy Policy, you must cease use of the website and services, or be taken to be bound by them.
cashflowpartners.ai matches Australian small businesses with Product Providers. This includes identification of potentially applicable products and Product Providers that may be interested in serving your business needs and facilitating your application to those Product Providers. The information provided on the website and email, and through the matching and application process is a guide only, based on information provided by Product Providers regarding the basis upon which they are likely to approve an applicant and may not be complete for your purposes or take account of every factor that will be relevant in the Product Provider’s final decision. cashflowpartners.ai does not warrant the accuracy of information provided, and it is recommended that information is confirmed with the product providers on our platform. cashflowpartners.ai and its agents assume no responsibility for actions or omissions to act based on any information, services, or other material on our website.
Additional terms and conditions are set out below.
Definitions
Promotions: Pre-qualification for Working Capital products
cashflowpartners.ai may contact customers it has previously had dealings with to advise that, based on the information previously provided to cashflowpartners.ai, cashflowpartners.ai has pre-qualified them to apply for a cashflow (working capital) loan. cashflowpartners.ai is not a lender and the fact that cashflowpartners.ai has assessed a customer’s eligibility based on previously provided information to inform a pre-qualification message must not be interpreted or taken in any way to assure, guarantee or promise that such customer will be approved for any particular loan or financial product now or in future. In pre-qualifying certain customers who may receive these communications, cashflowpartners.ai has assessed the customer on basis of minimum qualification criteria, and entry into any loan or financial product remains subject to (among other things): (i) confirmation by the customer of such minimum qualification criteria; (ii) the customer completing and submitting a formal application for a specific loan or financial product; (iii) the customer fulfilling the relevant lenders’ conditions and requirements in respect of a specific loan or financial product; and (iv) execution of definitive documentation to enter into any loan or financial product.
Disclaimer of warranty
Although cashflowpartners.ai has taken great care to ensure the reliability of any statements on our website or email, cashflowpartners.ai gives no warranty in relation to such statements or information. We expressly disclaim liability arising from persons acting or failing to act based on the information contained on our website or emails. cashflowpartners.ai further disclaims any responsibility or obligation to provide updates on published information. These disclaimers explicitly extend to third-party content published on our website, whether by organisations or individuals, including (but not limited to) on our blog and forum. Such content reflects the views, beliefs, and/or positions of the authors of the content, and not necessarily those of cashflowpartners.ai.
Limitation of liability
cashflowpartners.ai will not be held liable for any incidental, special, consequential, or indirect damages arising out of, or related to, the use of the website or services provided by cashflowpartners.ai. This will be the case even if cashflowpartners.ai knows or has been advised of the possibility of such damages. These damages include, but are not limited to, damage for loss or corruption of data, and interruptions to the services we provide.
cashflowpartners.ai’s aggregate liability in relation to harm caused or loss suffered through use of the website or services we provide will be limited to any amount paid by you to cashflowpartners.ai in order to use our services, or, in the event that no such amount was tendered, A$100.
Copyright and links to third party websites and services
This website is subject to copyright and is entirely owned by cashflowpartners.ai. The website may also display third party materials that are subject to copyright. Except as permitted by the Copyright Act 1968, you may not reproduce, sell, publish, transmit or disseminate the contents of this website without our prior permission. You may use the information provided for your private or internal purposes only.
The cashflowpartners.ai website may contain links to websites of third parties. These third-party websites are not under cashflowpartners.ai’s control, and we disclaim responsibility for any content provided on a third-party website. Reference on our website to any products, services or other information (by use of name, logo or otherwise) does not constitute endorsement of such products, services or information. Indicative rates provided are for information purposes only, and must be confirmed with the third-party quoted before relying on such a quote. Your correspondence and/or business dealings with third-parties found on or through our website or emlpoyees are solely between you and such third-parties, and you agree that cashflowpartners.ai will not be held liable for any loss or damage arising through such correspondence or business dealings.
Use of information or content provided by you
1. Status of content submitted to our website and for provision of services
By submitting content (including personal and business information) to our website, you agree to grant cashflowpartners.ai a perpetual, non-exclusive, irrevocable, royalty-free license to use of such content. Use may include but is not limited to - reproduction, adaptation, editing, modification, translation, publication, transfer, and/or distribution of the content. This shall specifically include license for us to make the content available to other companies/organisations with whom we have business relationships. Such provision of your information may require changes to your content.
2. Inquiry with a specific Product Provider
By submitting your information to retrieve your product options, you consent to us providing Product Providers with your information (including Personal Information) in accordance with our Privacy Policy.
3. Exchange information with Product Providers
By submitting your information to retrieve your product options, you consent to us requesting information from Product Providers about whether you have progressed with an application, the circumstances of your application, and reasons why your application has been approved, declined, settled, or withdrawn.
4. Ongoing communication
You agree that we may use the contact details you have provided to us in order to contact you from time to time to update you on the services that we provide. You may opt-out of these communications, at which point we will cease to contact you.
5. Disclosure as required by law
You acknowledge and agree that we may disclose information provided by you if required by law.
For further information about the collection and use of information provided by you in the course of using this website and cashflowpartners.ai services, please read our Privacy Policy on this website. By using the website and any cashflowpartners.ai services, you are agreeing to the terms of the Privacy Policy.
Security of information
Security of your information is critical to us here at cashflowpartners.ai. We maintain strong security measures to prevent unauthorised access to our systems and the information that you provide in the course of using our website and services. This includes encryption of our website and services using SSL technology, and review of our systems to ensure ongoing security standards are maintained. We maintain strict confidentiality standards with employees, agents, and contractors.
General Advice Warning
The services provided by cashflowpartners.ai are to be used as a guide only. We explicitly provide no guarantee as to the price/rate offered by a particular Product Provider, nor provide any guarantee as to approval by a Product Provider. Estimates of time to funding and product features are also general guides and not guarantees. Loans may take longer to fund than the minimum time specified for that Product Provider, depending on the specific loan and supporting documentation required. Individual product features (for example, requirement for security, guarantees, supporting documentation) may change or no longer become available depending on the circumstances of the applicant – this is at the sole discretion of our Product Providers when processing your application.
Use of site and cashflowpartners.ai services
1.Use is for business purposes only
cashflowpartners.ai operates to serve Australian small businesses. You agree to use our site and services only for business purposes. You agree not to use this website for any personal purposes.
2.Exclusive use
The registered account provided by cashflowpartners.ai to you is to be used only by you or an agent/employee of your business. You acknowledge that cashflowpartners.ai will not be held responsible for third-party access to your account that results from theft or misappropriation of your login details (username or email and password)
3.Information submitted by you
You are solely and fully responsible, and accept liability flowing from your provision of information on our website or emails. This includes information provided for matching purposes, and information that we pass on to Product Providers. You undertake to only submit accurate information to this website or email, and accept responsibility for harm or damage resulting directly or indirectly from the provision of inaccurate information, whether submitted in good faith, negligently, or wilfully.
4.Risk assumption
You assume all risks when using our website and services. This includes, but is not limited to risks associated with interactions, product applications, and receiving funding from third-parties through our website and services.
5.Disclaimer of guarantees on matching and funding approvals
cashflowpartners.ai does not guarantee that you will be matched to Product Providers. cashflowpartners.ai also explicitly disclaims that matching with a Product Provider, or being connected to a Product Provider, constitutes any guarantee or representation that funding will be approved or provided by the matched or connected Product Provider.
6.Use is for legal purposes only
You agree to only use this website and services in accordance with all applicable laws (federal, state and local)
Indemnification
You agree to indemnify cashflowpartners.ai for any losses, costs, liabilities and expenses arising out of:
cashflowpartners.ai reserves the right to assume the exclusive defence and control of any such matter subject to this indemnification clause. In the event that this occurs, cashflowpartners.ai will take on any costs associated with defending the matter, and you agree to fully cooperate with cashflowpartners.ai in asserting any available defence.
Effective application of this agreement
This agreement is effective upon your acceptance of this agreement, which occurs through use of our website and/or services. To reiterate and remove doubt, usage also constitutes agreement to our Privacy Policy available on our website. This agreement will remain in force in perpetuity unless terminated by cashflowpartners.ai or by you. Either party may unilaterally terminate your account with cashflowpartners.ai, for any reason, without any explanation.
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