This is the privacy policy statement for Boat Loan Australia and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
When you contact Boat Loan Australia, we may collect the name, contact details and information you choose to provide so that we can respond to your message or privacy request.
Boat Loan Australia, operated by Clark Family Pty Ltd, publishes information, tools and resources and may invite you to subscribe to MoneyTips. A MoneyTips subscription is a subscription to informational content, not a finance enquiry, quote request, eligibility assessment or referral request. Information you provide when subscribing is used to process your subscription and send the informational content you request.
We may also use personal information where reasonably necessary to respond to your correspondence, meet our legal or regulatory obligations, investigate a complaint, or manage the operation of our website.
While operating as an information website, we do not accept finance or insurance applications or quote requests, collect borrowing or insurance requirements for referral, or match visitors with brokers, lenders or insurers. Please do not send financial application documents or borrowing requirements through our contact channels.
If you do not provide the contact information needed to respond to your message or process a subscription, we may not be able to fulfil that request. You do not need to submit a finance enquiry to read our content or use our informational tools.
Disclosure of Personal Information
We may disclose personal information where reasonably necessary to respond to correspondence or a complaint, comply with legal or regulatory obligations, or engage service providers that assist us in operating our website and delivering requested informational content.
We do not pass website visitors' contact details or borrowing requirements to brokers, lenders or insurers for referral while operating as an information website.
We do not currently disclose personal information to overseas recipients. If our information-handling practices change and personal information is likely to be disclosed to recipients outside Australia, we will update this Privacy Policy as required.
Please note: If you follow a link or advertisement to a third-party website, that third party's own privacy policy and terms will apply to information you provide directly to them.
Cookies and Tracking Technologies
Boat Loan Australia uses cookies and similar technologies to support website functionality, maintain session information, understand how visitors interact with our website and improve system performance and user experience.
We use Google Analytics 4 for analytics and measurement, and Google Ads website tagging and Microsoft Advertising UET for advertising measurement and conversion-related functionality. These services use cookies, pixels or similar technologies and may collect information about your device, browser, pages visited and interactions with our website.
Google Signals and Google Analytics user-provided data collection are disabled, as is personalised advertising through our verified Google Analytics-to-Google Ads links. Microsoft UET enhanced conversion tracking and Microsoft Clarity are disabled for our tag, and no remarketing audiences or lists are based on it. The website may display third-party advertising.
Where these technologies involve the collection, use or disclosure of personal information, we take reasonable steps to ensure that they are used consistently with applicable privacy requirements. We seek to limit the information collected to what is reasonably necessary for the relevant purpose.
You can control or disable cookies through your browser settings. Where additional consent is required for particular tracking or advertising technologies, we may provide additional notices or consent controls when you use the website.
Security and Retention of Personal Information
We take reasonable steps to protect personal information we hold from misuse, interference, loss, unauthorised access, modification and disclosure. These measures may include access controls, secure systems, authentication measures and other technical and organisational safeguards appropriate to the information being handled.
We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including responding to correspondence, administering requested subscriptions, maintaining appropriate business and compliance records, resolving complaints and meeting legal or regulatory obligations.
When personal information is no longer required to be retained, we take reasonable steps to securely destroy or de-identify it, subject to any legal or record-keeping requirements.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access, such as photocopying or postage.
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete or misleading. We will respond to access and correction requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing or provide information necessary to verify your identity before providing access to personal information.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
Marine Rescue NSW’s move into practical on-water licence training is a useful reminder that the cost of boating starts before a buyer reaches the ramp. The organisation has begun a 12-month pilot at its Lemon Tree Passage and Hawkesbury units, allowing members of the public to complete both the theory and practical components of the NSW General Boat Licence through the same provider for the first time. - read more
A fresh wave of interest in Australian asset-backed securities is worth watching for boat buyers, even if it sits several steps behind the showroom conversation. Recent financial market reporting points to continuing investor appetite for securitised lending products, where pools of loans are packaged and sold to institutional investors. For non-bank lenders, that demand can be an important source of funding and a signal that capital markets remain open. - read more
The Reserve Bank’s latest decision to keep the cash rate unchanged extends the period of watchful stability for Australian borrowers, including households weighing up a new or used boat purchase. For marine finance customers, the key point is not that boat loan rates will suddenly fall. Rather, a steadier cash rate gives buyers a clearer window to assess affordability, compare lender appetite and decide whether now is the right time to move from browsing to serious negotiations. - read more
Fresh marine market search commentary suggests Australian boating interest remains resilient, even as buyers become more selective about price, model choice and the total cost of ownership. Rather than pointing to a simple rush back into the market, the latest signals indicate a more careful buyer: one who researches brands, compares specifications and weighs up whether a new, used or near-new vessel best suits both lifestyle and budget. - read more
Preparing for a boat loan in Australia usually means understanding lender eligibility checks, gathering income and identity documents, confirming boat details and knowing what pre-approval can and cannot tell you before you buy. - read more
New and used boat purchases can raise different finance questions. Learn how boat age, condition, valuation, PPSR checks, seller type and documentation may affect arranging marine finance in Australia. - read more
Understand the main factors that can affect boat loan repayments and total finance costs, including interest rates, loan terms, fees, deposits and balloon payments. - read more
Embarking on the journey of buying your first boat is an exciting adventure, filled with possibilities and dreams of endless exploration. Whether you envision anchoring in secluded bays, fishing off the coast, or simply enjoying leisurely weekends with family and friends, buying a boat opens up a world of opportunities. - read more
Knowledgebase
Price-to-Earnings Ratio (P/E): A valuation ratio of a company's current share price compared to its per-share earnings.
