Privacy Policy

1. Who this policy applies to

This policy applies to personal information we collect about borrowers, guarantors, directors and officers of borrowing entities, brokers and referrers, investors and prospective investors, and visitors to our website at www.verifiedcapital.com.au. We lend for business and investment purposes only. Where we collect information about an individual in connection with a loan to a company or trust, this policy applies to that individual’s information.

2. What we collect

Depending on your dealings with us, the personal information we collect may include:

• Identity and contact details: name, company or trust name, ABN or ACN, position, phone, email and postal address.
• Loan and security details: property addresses, estimated values, existing debt, loan amount and purpose, proposed exit and repayment strategy, and supporting documents such as contracts, valuations, financial statements, bank statements and title searches.
• Identity verification and credit information: government identity documents and, with your consent, credit reports and related information about directors and guarantors from credit reporting bodies.
• Investor information: wholesale client certificates, entity details, bank account details for distributions and tax file numbers where required by law.
• Broker information: your name, business, licence details and the scenarios you submit on behalf of clients.
• Website information: pages visited, device and browser type, approximate location and IP address, collected through cookies and analytics as described below.

3. How we collect it

We collect personal information directly from you when you complete a form on our website, contact us by phone or email, submit a scenario, apply for a loan or register interest as an investor. We also collect information from brokers, accountants, solicitors and other advisers acting on your behalf, from valuers and title and company searches, from credit reporting bodies with your consent, and from publicly available sources.

Where it is lawful and practicable, you may deal with us anonymously or under a pseudonym, for example when making a general enquiry. We cannot assess or fund a loan, or accept an investment, without identifying you.

4. Why we collect it

We collect, hold and use personal information to:

• assess, approve, document, fund, manage and enforce loans, including verifying identity and security;
• assess and onboard investors and administer investments, distributions and reporting;
• respond to enquiries, call-back and scenario requests, and provide indicative terms;
• communicate with brokers and advisers about the transactions they refer;
• meet our legal obligations, including anti-money laundering, counter-terrorism financing, tax and record-keeping requirements;
• operate, secure and improve our website and services, and measure the effectiveness of our marketing; and
• with your consent or where permitted by law, tell you about products and services that may interest you. You can opt out of marketing at any time using the details below.

5. Who we share it with

We may disclose personal information, only to the extent needed for the purposes above, to:

• valuers, quantity surveyors, solicitors, settlement agents and other professionals engaged in a transaction;
• credit reporting bodies, identity verification providers and fraud prevention services;
• our funders, co-lenders, trustees, custodians and their advisers, and prospective assignees of a loan;
• brokers, accountants and other advisers acting for you;
• service providers who host our website and data, send our email, provide analytics and advertising measurement, and support our operations; and
• regulators, courts, law enforcement and other parties where required or authorised by law.

Some of our service providers store or process information outside Australia, including in the United States (for example our website hosting, file storage, email delivery and analytics providers). Documents uploaded through our forms are stored with our hosting provider and deleted once they are no longer needed for the purpose they were provided. Where we disclose information overseas we take reasonable steps to ensure it is handled in a manner consistent with the Australian Privacy Principles.

6. Credit information

Where we obtain credit reports or other credit-related information about a director, guarantor or other individual in connection with a business loan, we handle that information in accordance with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. We may obtain such reports from credit reporting bodies including Equifax, illion and Experian, whose own privacy policies explain how they manage credit information. We will only do so with your consent.

7. Cookies, analytics and advertising

Our website uses cookies and similar technologies to remember your preferences, to understand how visitors use the site and to measure the performance of our advertising. We may use Google Analytics and Google Ads conversion tracking, which set cookies and collect information such as pages visited, referring sites and device type. Our address fields use Google’s Places service, which receives the text you type to return suggestions. You can control cookies through your browser settings; disabling them may affect some website features.

8. How we protect it

We hold personal information in secure electronic systems with access limited to staff and service providers who need it. We use encrypted connections for our website and forms, and we take reasonable steps to protect information from misuse, interference, loss and unauthorised access, modification or disclosure. When information is no longer needed for a permitted purpose or required by law, we take reasonable steps to destroy or de-identify it.

9. Access and correction

You may request access to the personal information we hold about you, or ask us to correct it, by contacting us using the details below. We will respond within a reasonable time, usually within 30 days. We may need to verify your identity before releasing information, and in limited circumstances permitted by law we may decline a request, in which case we will explain why.

10. Complaints

If you believe we have breached the Australian Privacy Principles or the Credit Reporting Code, please contact us first. We will acknowledge your complaint promptly and aim to resolve it within 30 days. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner at oaic.gov.au or on 1300 363 992.

11. Changes to this policy

We may update this policy from time to time. The current version will always be published on this page with the date it was last updated.

12. Contact us

Privacy Officer, Verified Capital Pty Ltd
Email: info@verifiedcapital.com.au
Phone: 1300 982 458 (Weekdays, 8.30 AM – 5 PM AEST)

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