cENTEN cAPITAL Privacy Policy

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Effective date: 6 OCTOBER 2026 | Last updated: 6 OCTOBER 2026

Centen Capital respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, hold, use and disclose personal information, how you can access or correct your information, and how you can raise a privacy concern.

In this policy, “Centen Capital”, “we”, “us” and “our” refer to:

All associated businesses of Centen Capital.

- Centen Wealth
- Centen Tax
- Centen Advisory
- Centen Consultancy

This policy applies to our handling of personal information through our websites, enquiries, consultations, client services, referral activities, marketing communications and business operations.

We handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles where they apply to us.

We collect personal information reasonably necessary for our activities and services. The information we collect depends on your relationship with us and may include:

Your name, date of birth, address and contact details.

Information about your employment, occupation and business activities.

Your financial circumstances, including income, expenses, assets, liabilities and investment objectives.

Property ownership details, property preferences and investment interests.

Information relevant to finance enquiries, applications and related services.

Accounting and taxation information, where relevant to the service you request.

Identity verification documents, where required or permitted by law.

Records of enquiries, appointments, instructions, correspondence and feedback.

Your communication preferences, marketing permissions and opt-out requests.

Website usage information, such as your IP address, browser type and pages visited.

Information provided by an authorised representative acting on your behalf.

We only collect sensitive information, such as health information, where it is reasonably necessary for a relevant service and you consent, or where collection is otherwise authorised or required by law.

Where we are authorised to collect tax file numbers, we handle them in accordance with applicable legal requirements and do not use them as general client identifiers.

You may choose not to provide information we request. However, this may prevent us from providing a service, assessing your enquiry or meeting legal requirements. Where lawful and practicable, you may make a general enquiry anonymously or using a pseudonym.

We generally collect personal information directly from you when you:

Submit a website enquiry, application or contact form.

• Speak with us by telephone, video call or in person.
• Communicate with us by email, SMS or other messaging services.
• Attend an event, seminar, consultation or appointment.
• Request information about our services.
• Engage us to provide a service.
• Provide documents or authorise another person to provide information on your behalf.

Where lawful and appropriate, we may also collect information from:

• Your authorised representatives or professional advisers.
• Referral partners, brokers, accountants, solicitors and other service providers.
• Other Centen-branded businesses involved in a service or referral you have requested.
• Publicly available sources.
• Third-party enquiry platforms, lead providers or marketing partners, subject to applicable privacy and marketing requirements.

Receiving your details from a third party does not, by itself, mean you have agreed to all marketing or information-sharing activities.

Where required, we will take reasonable steps to inform you about the collection of your information, its source, the purposes for which it will be used and relevant disclosures.

We may use your personal information to:

• Respond to enquiries and arrange consultations.
• Understand your circumstances, needs and objectives.
• Provide and administer services you request.
• Coordinate applications, documentation, referrals and transactions.
• Communicate about appointments, service updates and your ongoing relationship with us.
• Maintain accurate client and business records.
• Verify identity and help prevent fraud.
• Manage payments, accounts, complaints and disputes.
• Improve our services, systems and client experience.
• Meet legal, regulatory and professional obligations.
• Send permitted marketing communications, subject to your preferences and applicable law.

We will not use your personal information for an unrelated purpose unless you consent or the use is otherwise permitted or required by law.

We may disclose relevant personal information to recipients who reasonably need it for the purposes described in this policy, including:

• Our employees, contractors and authorised representatives.
• Finance providers, lenders, brokers and financial advisers involved in services you request.
• Accountants, tax advisers, solicitors and other professional advisers.
• Property developers, builders, agents and property managers involved in a relevant enquiry or transaction.
• Technology, cloud-hosting, document-management and customer relationship management providers.
• Administrative, communications and other business support providers.
• Regulators, government agencies, courts or other recipients where disclosure is authorised or required by law.
• A purchaser or adviser involved in a proposed business sale or restructure, subject to appropriate confidentiality and privacy safeguards.

We seek to limit disclosures to information relevant to the recipient’s role and the purpose of the disclosure.

Centen-branded businesses may use shared administrative services and technology systems. Shared systems do not mean every staff member or business has unrestricted access to your information. 

Access is intended to be limited according to responsibilities, service needs and applicable permissions.

Where another Centen business or an external referral partner will provide a separate service, we will explain the proposed referral and obtain consent where required. That provider may also have its own privacy policy.

We may contact you about services, educational resources, events or opportunities where permitted by law.

Marketing may occur by telephone, email, SMS or other communication channels, subject to applicable privacy, spam and telemarketing requirements.

You may ask us at any time to:

• Stop sending marketing communications.
• Update your preferred communication channels.
• Stop using or disclosing your information to facilitate direct marketing by other organisations.
• Explain where we obtained information used for direct marketing.

You can opt out by using an unsubscribe facility in a message, telling our representative or contacting our Privacy Officer.

We do not charge a fee for opting out and will action requests within applicable legal timeframes. Where required, we will identify the source of your information unless doing so is unreasonable or impracticable.

Opting out of marketing does not prevent us from sending necessary service, transaction or legally required communications.

Our websites may use cookies and similar technologies to support website functionality, understand visitor activity and, where applicable, measure marketing performance.

You can usually adjust your browser settings to block or delete cookies. Doing so may affect some website functions.

Our websites may link to third-party websites. Their handling of personal information is governed by their own policies, which we encourage you to review.

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure.

Our safeguards may include:

• Access permissions based on staff roles and responsibilities.
• Authentication and account-security controls.
• Secure storage and transmission of documents.
• Staff privacy and confidentiality requirements.
• Appropriate arrangements with contractors and service providers.
• Review of access permissions and data-handling practices.

No method of electronic storage or transmission is completely secure.

We retain personal information for as long as reasonably necessary to provide services, maintain appropriate records, resolve disputes and meet legal or regulatory obligations.

When information is no longer required, we take reasonable steps to destroy or de-identify it, unless retention is legally required.

Where a data breach occurs, we will assess it and notify affected individuals and the relevant regulator where required by law.

You may request access to personal information we hold about you or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.

Please contact our Privacy Officer using the details below. We may ask you to verify your identity before responding.

We will respond within a reasonable period. We do not charge a fee for making an access or correction request. If a reasonable charge applies to providing access, we will explain it in advance.

Where the law permits us to refuse access or correction, we will explain the reason and available complaint options, subject to any legal restrictions.

If we do not agree to a correction you request, you may ask us to associate a statement with the information recording your position.

If you believe we have mishandled your personal information, please contact our Privacy Officer and provide:

• Your name and preferred contact details.
• A description of your concern.
• Relevant dates, communications or documents.
• The outcome you are seeking.

We will acknowledge your complaint, investigate the circumstances and aim to provide a response within 30 days. If further time is needed, we will explain why and keep you informed.

If you are dissatisfied with our response, you may contact the Office of the Australian Information Commissioner:

Website: www.oaic.gov.au
Telephone: 1300 363 992

Where relevant, we will also provide details of any applicable external dispute resolution scheme.

Effective date: 6 OCTOBER

Businesses:

- Centen Wealth
- Centen Tax
- Centen Advisory
- Centen Consultancy

These terms govern use of our website and general information resources. Any services you engage us to provide are subject to a separate agreement setting out the provider, scope, fees and applicable conditions.

Website content is general information only and does not constitute personalised financial, credit, investment, taxation or legal advice. Obtain appropriate professional advice before making decisions.

We do not guarantee finance approval, investment returns, property growth or taxation outcomes. Outcomes depend on your circumstances, market conditions and relevant third-party requirements.

Where we introduce an external provider, its services are subject to its own terms. We will disclose referral fees or commissions where required by law.

You must provide accurate information when making enquiries or requesting services and must not use our website for unlawful activities or interfere with its operation.

We handle personal information in accordance with our Privacy Policy. Submitting an enquiry does not, by itself, constitute consent to unrelated marketing.

Website content is owned by or licensed to Centen Capital. You may use it for personal, non-commercial purposes but must obtain permission before reproducing it commercially.

We take reasonable care with website information but cannot guarantee that it is always current, complete or uninterrupted.

Nothing in these terms excludes, restricts or modifies rights or remedies that cannot lawfully be excluded, including applicable rights under the Australian Consumer Law.

We may update these website terms from time to time. Updates will not retrospectively change an existing service agreement.

These terms are governed by the laws of New South Wales, Australia, subject to any mandatory laws that apply.