PRIVACY POLICY

1. Introduction

This Privacy Policy explains how Skyecap Pty Ltd and its related bodies corporate from time to time (together, Skyecap, we, us or our) collect, hold, use and disclose personal information.

Skyecap is committed to protecting the privacy of personal information and is bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (together, the Privacy Laws).

Our handling of personal and credit-related information is also subject to applicable Australian credit reporting laws and industry privacy codes.

This Privacy Policy applies to:

your dealings with Skyecap; and
your use of any Skyecap websites, online platforms or applications operated or made available by us (the Website).

In this Privacy Policy, personal information has the meaning given in the Privacy Act 1988 (Cth) and includes information about an identified or reasonably identifiable individual.

If you require this Privacy Policy in an alternative format or need assistance due to special circumstances, please contact us using the details set out in section 13.

2. Collection of Personal Information

The type of personal information we collect depends on the products or services we assess, arrange, facilitate, administer or support, whether for you or for another person or entity connected with you.

Personal information we may collect includes (but is not limited to):

name, address, date of birth and contact details
nationality and residency information
business name and business contact details
tax-related information
online identifiers such as usernames, IP addresses and device information
identification documents and identity verification information
bank account and transaction information
financial information such as income, assets, liabilities and expenses
credit-related information, including repayment history and credit reports
information about securities or guarantees
business information, including structure, size and trading activity
transaction, application and account details

We may also process credit-related personal information to develop internal risk assessments, ratings or scores to assist in assessing suitability for credit or related services.

Providing personal information is generally optional. However, if you choose not to provide certain information, we may be unable to assess an application, arrange credit, or provide certain services.

3. Anti-Money Laundering and Regulatory Compliance

Before providing or arranging services, we may be required to collect and verify personal information to comply with applicable laws, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

Information collected for these purposes may include identification details and, in limited circumstances, information required to assess whether an individual is a politically exposed person.

We may:

collect additional information to clarify or update identity records;
obtain information from third parties for verification purposes; and
retain copies of identification documents as required by law

We may disclose limited identity information to credit reporting bodies or government verification services solely for identity verification purposes.

If you do not consent to verification through these methods, alternative verification options may be discussed. However, we may be unable to provide services if identity verification cannot be completed.

4. How We Collect Personal Information

We may collect personal information:

directly from you (including through applications, forms, email or telephone);
from a person or entity connected with you;
via our Website or digital platforms;
from introducers, referral partners or business partners;
from public registers and databases;
from credit reporting bodies and data providers;
from identity verification and compliance service providers; or
from other third parties where permitted by

Where reasonable and practicable, we collect personal information directly from you.

If you provide personal information about another individual, you must ensure you are authorised to do so and that the individual is aware of, and consents to, the matters described in this Privacy Policy.

We do not collect sensitive information without consent unless required or authorised by law.

5. Use and Disclosure of Personal Information

We use and disclose personal information only where permitted by Privacy Laws, including:

for the purpose for which it was collected;
for related purposes you would reasonably expect;
where you have consented; or
where required or authorised by

Purposes for which we may use personal information include:

identity verification and due diligence
assessing and processing applications
arranging, facilitating, administering or servicing credit or related arrangements
assessing suitability as a guarantor
managing accounts and transactions
communicating with you
managing relationships and responding to enquiries
compliance, audit and risk management
fraud prevention and investigation
operational, systems and process improvement
analytics, reporting and research (including anonymised data)
marketing and promotional communications (subject to opt-out rights)

6. Disclosure to Third Parties

We may disclose personal information to:

related companies
funding counterparties and credit providers
introducers and referral partners
professional advisers, contractors and service providers
technology, data and identity verification providers
credit reporting bodies
government and regulatory authorities
parties considering acquiring an interest in our business or assets

Any third party receiving personal information is required to handle it in a manner consistent with applicable privacy obligations.

7. Business Partner Data Sharing

Where a business partner or introducer is involved in an application or facility, we may share relevant personal and business information for purposes including:

application assessment and processing
ongoing servicing and administration
reporting, reconciliation and performance monitoring
customer experience improvement

Information shared may include business details, application outcomes, facility terms, balances and repayment status.

8. Storage and Security of Information

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

Security measures include:

access controls
encryption and secure systems
staff training
contractual obligations with service providers

Personal information is retained only for as long as necessary for the purpose for which it was collected or as required by law.

9. Credit Reporting

While Skyecap does not provide consumer credit, we may collect and use consumer credit-related information to assist in assessing commercial applications or guarantees.

We may collect information from, and disclose information to, credit reporting bodies including:

Equifax Australia Information Services and Solutions Pty Limited (Equifax)
CreditSense Australia Pty Ltd (CreditSense)

These credit reporting bodies may include the information we disclose in reports made available to other credit providers for the purpose of assessing creditworthiness.

You may request a credit reporting body to:

restrict the use or disclosure of your credit information for a period if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud; and
not use your credit information for the purposes of pre-screening direct marketing by a credit

10. Access and Correction

You may request access to personal information we hold about you and request correction if information is inaccurate, incomplete or out of date.

Requests may be made using the contact details below. We will respond within a reasonable timeframe in accordance with Privacy Laws.

11. Marketing and Opt-Out

We may contact you with information about products or services that may be of interest. You may opt out of marketing communications at any time by:

using unsubscribe functions; or
contacting us using the details

12. Complaints and Data Breaches

If you believe your personal information has been mishandled or wish to make a complaint, please contact our Privacy Officer.

We will investigate and respond promptly.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

13. Contact Details

Privacy Officer

Skyecap Pty Ltd

Email: [email protected]

Address: Suite 2201, Level 22, 101 Grafton Street, Bondi Junction, NSW, 2022

14. Updates to this Policy

We may update this Privacy Policy from time to time. Material changes will be notified via our Website or electronically. Continued use of our services constitutes acceptance of the updated Privacy Policy.

15. Website Technologies

We use cookies, analytics and similar technologies to improve Website functionality, security and marketing effectiveness. You may manage cookie preferences through your browser settings.