Credit Guide, privacy, consent, complaints and terms.
The documents that sit behind every conversation we have with you. Credit assistance is provided by Dayan Kasturiratna, Australian Credit Representative 394747, authorised under Australian Finance Group Ltd, Australian Credit Licence 389087.
Five documents on one page. Use the list to jump to the one you need, or download the Credit Guide exactly as issued.
Document 1 of 5
Credit Guide
Issued by Dayan Kasturiratna, Australian Credit Representative 394747, under Australian Finance Group Ltd, Australian Credit Licence 389087. Credit Guide version 4.0, generated 5 September 2026.
The Credit Guide is the document the law requires us to give you before we provide credit assistance. It sets out who we are, who we are authorised by, the lenders we work with, how we are paid, what fees may apply, and what to do if you have a complaint. We give it to you at the start, and it is available here at any time.
It is provided exactly as issued. The site does not edit, summarise or re-typeset it.
The guide is issued in the business name Opulent Home Loans. Opulent Home Loans and Opulent Finance are both registered business names of The Trustee for The Kasturiratna Family Trust ii, ABN 95 780 438 918, which is the entity you are dealing with. The business trades as Opulent Finance.
Who provides the credit assistance, and the licence it is provided under
The lenders and lessors on the panel, and who we settle most business with
Fees payable by you, if any, which are disclosed in a Credit Quote before they apply
Commissions we and our licensee may receive from lenders, which are not payable by you, and how to obtain a reasonable estimate of them
Referral arrangements and other remuneration, and where they are disclosed
The complaints process, including the Complaints Officer and external dispute resolution
If anything in the Credit Guide is unclear, ask. That is what it is for.
Document 2 of 5
Privacy Policy
Opulent Finance, a registered business name of The Trustee for The Kasturiratna Family Trust ii, ABN 95 780 438 918. Last updated 5 September 2026.
This policy explains how Opulent Finance collects, holds, uses and discloses personal information, and how you can access it, correct it or complain about how it has been handled. We are bound by the Australian Privacy Principles in the Privacy Act 1988 (Cth) and, for credit-related information, by the credit reporting provisions of that Act and the Privacy (Credit Reporting) Code.
Credit assistance is provided under the Australian Credit Licence of Australian Finance Group Ltd (AFG). Where you apply for credit through us, AFG's Privacy Policy, available at afgonline.com.au, also applies to the information collected for that purpose, together with the Privacy Disclosure Statement and Consent on this page.
1. What we collect
We collect the personal information we need to respond to your enquiry, provide credit assistance and administer the services that follow. Depending on what you ask us to do, that may include your name and contact details; identification details; information about your employment, income, expenses, assets and liabilities; information about the property or business the finance relates to; the entities you hold assets through; and information about your existing loans and credit history, including credit eligibility information obtained from a credit reporting body with your consent.
Our online assessment collects only what each step asks for. Before we ask for your name, email or mobile, we show you a collection notice. Answers you give before that point are held on your own device for the session and are not sent to us until you provide your contact details and agree to continue.
2. How we collect it
Mostly from you: through the website, by phone, by email, in meetings and through the documents you give us. With your consent we may also collect information from lenders, credit reporting bodies, your employer or accountant, valuers, solicitors and conveyancers, and identity verification services. If you give us information about another person, for example a co-borrower or guarantor, you should tell them that you have done so and that this policy applies.
3. Why we collect it and how we use it
To respond to your enquiry; to assess your situation and provide credit assistance; to prepare and lodge applications with lenders on your instruction; to manage the application through to settlement; to keep in touch about your loan and review it with you over time; to meet our legal obligations, including responsible lending, identity verification and record keeping; and, if you agree, to tell you about lending updates and reviews from Opulent Finance. You can withdraw marketing consent at any time and it does not affect the credit assistance we provide.
4. Who we disclose it to
Lenders and credit providers you apply to, or that we assess your position against; Australian Finance Group Ltd as our licensee and aggregator, and its related entities and service providers; credit reporting bodies, with your consent; valuers, solicitors, conveyancers, accountants and other professionals involved in your transaction; identity, mobile-number and email verification services; the providers of our customer relationship, telephony, SMS, email, hosting and cloud services; and any person or body to whom we are required or authorised by law to disclose it. We do not sell your personal information and we do not share it with third parties for their own marketing.
5. Overseas disclosure
Some of the organisations listed above, including AFG's service providers and the providers of cloud, verification and communication services, may store or process information outside Australia. AFG's Privacy Disclosure Statement lists the countries that may be involved. Where we engage a provider ourselves, we take reasonable steps to ensure it handles your information in line with the Australian Privacy Principles.
6. Website, cookies and analytics
Our website uses analytics to understand which pages are visited and where people leave the online assessment. That analysis records the page, the step and the outcome, not the answers you give. We do not record sessions or keystrokes on the assessment, results, portal or document pages. Our lead gateway holds unverified submissions only for as long as needed to complete verification and deliver the enquiry to our team, after which they are removed; verified enquiries are held in our client system. You can control cookies through your browser settings.
Measurement on this website starts in a limited mode: analytics measurement is on, and advertising storage is off. You can change that here at any time; your choice is kept in this browser only.
Current setting: analytics measurement on.
7. Security and retention
We hold personal information in secure systems with access limited to people who need it to do their work. Information sent through the website is encrypted in transit. We keep personal information for as long as it is needed for the purposes above and to meet our legal obligations, including record-keeping obligations under the National Consumer Credit Protection Act and the anti-money laundering legislation, after which it is destroyed or de-identified.
8. Access and correction
You can ask for access to the personal information we hold about you and ask us to correct it if it is inaccurate, out of date, incomplete or misleading. Write to us using the details below. We will respond within a reasonable time and, in most cases, at no cost. If we decline a request we will tell you why and how to complain about that decision. For credit eligibility information obtained from a credit reporting body, you may also contact the credit reporting body directly.
9. Complaints about privacy
If you believe we have handled your personal information in a way that breaches the Australian Privacy Principles or the credit reporting rules, contact us first using the details below. We will acknowledge your complaint and respond in writing. If you are not satisfied, you may take the matter to the Australian Financial Complaints Authority (1800 931 678, info@afca.org.au, www.afca.org.au) or to the Office of the Australian Information Commissioner at oaic.gov.au. The Complaints section on this page sets out the steps in full.
We may update this policy from time to time. The current version is always the one on this page, with the date shown at the top.
Document 3 of 5
Privacy Disclosure Statement and Consent
Australian Finance Group Ltd, Australian Credit Licence 389087, ABN 11 066 385 822, ACN 066 385 822. Version 10.0, 1 July 2022. Reproduced as supplied.
Our online assessment shows you a short collection notice before it asks for your name, email and mobile, and asks you to tick one box: I agree to Opulent Finance contacting me about this enquiry by phone, SMS or email, and I have read the collection notice. That tick is your consent to be contacted about that enquiry and your acknowledgement that the notice was shown. It is not an acknowledgement of this full Privacy Disclosure Statement and Consent, which applies when an application proceeds and is signed at that point. Each consent given in this document continues until withdrawn in writing.
Privacy disclosure statement and consent
I/We consent to you using Personal Information, financial information and Credit Information about me/us for the purpose of arranging or providing credit, providing credit assistance, insuring credit, and for direct marketing of products and services offered by you or any organisation you are affiliated with or represent each of which may contact me/us for such a purpose including by telephone and electronically and acknowledge that you may receive a fee or commission for referring me/us to a product or service provider, such as an insurance provider. In this document "you" means each of Australian Finance Group Ltd (AFG), each subsidiary of AFG, the Appointed Credit Service Provider and their organisation and any assignees or transferees of the commissions relating to any credit provided to me arranged by the Appointed Credit Service Provider or their organisation. In this document, 'Personal Information' includes any sensitive information (including health information) and any information I/we tell you about any vulnerability I/we may have.
The Personal Information provided by me/us will be held by you. I/We can obtain a copy of AFG's Privacy Policy at www.afgonline.com.au. Your privacy policy contains information about how I may access or seek correction of my Personal Information, how you manage that information and your complaints process. If I/we do not provide the requested Personal Information, I/we acknowledge that you may be unable to assist in arranging finance or providing other services.
You may disclose Personal Information about me/us to the following types of entities, some of which may be located overseas (including in USA, Canada, Malaysia, India, Ireland, the United Kingdom, Serbia, Nepal, South Africa, Fiji, Sri Lanka, Bangladesh, Hong Kong, China, Vietnam, Croatia, Ukraine, Spain and the Philippines):
any persons who provide credit or other products or services to us, or to whom an application has been made for those products or services;
any financial consultants, accountants, lawyers and advisers;
any industry body, tribunal, court or otherwise in connection with any complaint;
any person where you are required by law to do so;
any of your associates, related entities or contractors (including printing/publication/mailing houses, IT service providers, cloud storage providers, lawyers/accountants);
our referees, such as our employers, to verify information we have provided;
any person considering acquiring an interest in your business or assets;
any organisation providing online verification of our identities;
credit reporting bodies and other credit providers.
Credit information
I/We hereby authorise you to receive Credit Information from any lender about my/our credit affairs, and to provide any relevant real estate agent, lawyer, conveyancer, agent or person authorised by me access to my Credit Information, with details of whether finance has been approved for us, and if it has, the terms of that approval, including providing a copy of any approval letter.
I/We appoint you as our agent and authorise you to obtain our Credit Information (including both consumer and commercial credit eligibility information) from a credit reporting body on our behalf. You are authorised to use that Credit Information to assist you to provide services, including credit assistance, to me/us and to assist me/us to apply for credit. You are also authorised to exchange my/our Credit Information with a credit reporting body. I/We acknowledge that you consent to these authorisations being provided in an electronic form (if applicable). In this document 'Credit Information' is personal information or an opinion about me that has a bearing on credit that has been provided to me or that I have applied for. This includes information such as my/our identity information, the type, terms and maximum amount of credit provided to me/us, repayment history information, default information (including overdue payments), court information, new arrangement information, financial hardship arrangement information including whether I have made a financial hardship arrangement with you, personal insolvency information, disciplinary proceedings, complaints, delinquency, fraud investigations and details of any serious credit infringements. 'Credit eligibility information' is credit reporting information supplied to you by a credit reporting body, and any information that you derive from it.
Receiving information electronically
I/We consent to receiving credit assistance documentation and loan application information electronically. I/We acknowledge and agree that paper documents may no longer be given, electronic communications must be regularly checked for documents and this consent to receive electronic communications may be withdrawn at any time.
Video or audio conference recording
I/We consent to you obtaining Personal Information, financial information and Credit Information about me/us by way of video conference and/or by way of audio conference for the purpose of arranging or providing credit, providing credit assistance or insuring credit and give my/our permission for that video and/or audio conference to be recorded and provided to a credit provider, insurer or government agency for this purpose.
Appointed Credit Service Provider: Dayan Kasturiratna, Australian Credit Representative 394747. Australian Finance Group Ltd | Australian Credit Licence 389087 | ABN 11 066 385 822 | ACN 066 385 822 (Version 10.0 01072022).
On the website, your acknowledgement is recorded with the version of this document, the date and time, and the address it was given from. In an application, the same document is signed by each applicant.
Document 4 of 5
Complaints
The process set out in our Credit Guide. Our external dispute resolution membership is held by Dayan Kasturiratna, AFCA member number 50140. The licensee, Australian Finance Group Ltd, holds AFCA member number 50322.
Most complaints arise from miscommunication and can usually be fixed quickly. If something has gone wrong, tell us, and tell us early. You can ask for a written response at any stage, even if the matter is resolved in the first five working days.
Step 1
Talk to us first
Contact Dayan Kasturiratna and explain your concern.
If the matter is not resolved within five working days by talking with Dayan Kasturiratna, it is escalated to the Complaints Officer under our internal complaints process. You may also contact the Complaints Officer directly. The maximum timeframe for a written response is 30 days; we aim to resolve matters in a much shorter time.
If you are not satisfied after the steps above, you can take your complaint to the Australian Financial Complaints Authority. AFCA is an external dispute resolution scheme, available to you at no cost, and managed externally.
Complaints about how your personal information has been handled follow the same steps, and may also be made to the Office of the Australian Information Commissioner at oaic.gov.au.
Document 5 of 5
Terms and Disclaimer
Website terms of use. Opulent Finance, a registered business name of The Trustee for The Kasturiratna Family Trust ii, ABN 95 780 438 918. Last updated 5 September 2026.
1. About this website
This website is operated by Opulent Finance. By using it you agree to these terms. Credit assistance is provided by Dayan Kasturiratna, Australian Credit Representative 394747, authorised under Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087. Opulent Finance does not hold an Australian Credit Licence in its own right.
2. General information only
The information on this website is general in nature. It does not take account of your objectives, financial situation or needs, and it is not a recommendation to apply for, hold or refinance any particular credit product. Before acting on anything here, consider whether it is appropriate for you, read the relevant lender documents, and obtain advice specific to your circumstances.
3. No tax, legal or accounting advice
Opulent Finance does not provide tax, legal or accounting advice. Consider seeking advice from appropriately qualified advisers before making a decision. Where the site refers to the treatment of interest, entities, trusts or superannuation, it does so in general terms only. We provide credit assistance for SMSF lending; we do not advise whether you should establish an SMSF or acquire property through super.
4. No rates, no approvals, no promises
This website does not quote interest rates. Any rate we provide to you personally is provided with its comparison rate, its conditions and the fees that apply. Nothing on this site is an offer of finance, an approval, a quote or a promise of an outcome. All applications are subject to lender assessment, valuation, documentation and applicable law. We do not promise timeframes for approval or settlement.
5. Assessments, snapshots and calculators
The online assessment and any snapshot, estimate or calculator result it produces are general information based only on the answers you give and the assumptions shown. They are estimates only, not an offer of finance, an approval or a quote, and they have no impact on your credit score. Your position is assessed properly only when we have your documents and your instruction to proceed.
6. Illustrative scenarios
Scenarios on this site are illustrative. Figures and circumstances have been changed and combined from internal finance briefs. They are not client results, approvals, quotes or promises, and no client, lender or valuer is identified. They must not be read as an indication of what will be available to you.
7. Lenders
Lenders named on this site are accessed through the AFG lender and aggregator network. A broker is not accredited with every lender on the panel, and the lenders we settle with change over time. Private-bank pathways are available for qualifying clients only; eligibility is set by each bank.
8. Reviews and figures
Google review excerpts are reproduced verbatim with the reviewer's public Google name and reflect that reviewer's own experience. The rating and review count shown are taken from Google on the date held in our records and are refreshed periodically. Proof figures on this site are owner-attested and maintained in an internal register.
9. Your use of the site
You agree to use the site lawfully and not to interfere with it, attempt to gain unauthorised access to any part of it, or submit information that is false or that belongs to someone else without their authority. The online assessment, including the SMS verification step, is for genuine enquiries only.
10. Intellectual property
The content, design and code of this site, and the Opulent Finance name and logo, are owned by or licensed to Opulent Finance. You may view and print pages for your personal use. Any other reproduction requires our written permission. Documents issued by Australian Finance Group Ltd remain its property and are reproduced with its authority.
11. Third-party links
Links to other websites, including lender, AFCA and government sites, are provided for convenience. We do not control those sites and are not responsible for their content or their privacy practices.
12. Liability
To the extent permitted by law, Opulent Finance excludes all liability for loss arising from use of, or reliance on, information on this site. Nothing in these terms excludes rights you have under the Australian Consumer Law or the National Consumer Credit Protection Act 2009 that cannot be excluded.
These terms are governed by the laws of Victoria, Australia. We may update them from time to time; the current version is the one on this page, with the date shown at the top.
Questions about any of this
Ask before you sign anything.
Call 1300 001 551 or email info@opulentfinance.com.au. We would rather answer a question now than a complaint later.
