Terms & Conditions

Personal and Electronic Consents

Consent to Collect, Use and Disclose Personal Information

By accepting these terms and conditions, you consent to Skyecap Pty Ltd and its related bodies corporate from time to time (together, Skyecap, we, us or our) collecting, using, holding and disclosing personal information about you in accordance with:

• this Personal and Electronic Consents document; and
• our Privacy Policy, as amended from time to

Our Privacy Policy is available on our website and explains how we collect, use, store and disclose personal information, how you may access and request correction of personal information we hold about you, and how you may make a complaint regarding a breach of applicable privacy laws and how such complaints are handled

Acknowledgements and Authorisations

You acknowledge, agree and authorise that:

1. Purpose of collection and use

We may collect, use and disclose personal information about you for purposes described in our Privacy Policy, including for:

• assessing your eligibility for credit or related financial accommodation;
• arranging, administering or facilitating credit (whether provided by us or a third party);
• verifying your identity and conducting background checks;
• complying with legal and regulatory obligations;
• communicating with you in relation to your application or existing facilities; and
• direct marketing of our products and services, subject to your right to opt

2. Retention of information

Personal information will be retained for the purposes for which it was collected, or as otherwise required or permitted by law.

3. Access and correction

You may request access to, or correction of, personal information we hold about you by contacting us using the details set out in our Privacy Policy.

4. Direct marketing

You may opt out of receiving marketing communications from us at any time by notifying us.

5. Consequences of non-provision

If you do not provide requested personal information, we may be unable to assess your application, arrange credit, or offer certain products or services.

Anti-Money Laundering and Regulatory Compliance

We may be required to collect, use and disclose personal information to comply with applicable laws, including:

• the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth); and
•  any equivalent or successor legislation (together, AML Laws)

You authorise us to collect, use and disclose your personal information for the purpose of complying with AML Laws and related regulatory obligations.

Specific Consents

You consent to Skyecap (including service providers or counterparties acting on our behalf, some of whom may be located overseas) doing any of the following:

1. Credit information

Seeking, obtaining and using personal or commercial credit information to assess any application for credit or related services.

2. Credit reports

Obtaining and using credit reports from credit reporting bodies for assessment, monitoring or review purposes.

3. Disclosure to credit reporting bodies

Providing information to credit reporting bodies, including identity details, application information, repayment history, default information, serious credit infringements (where applicable), and information relating to the discharge of credit.

4. Disclosure to third parties

Disclosing personal information where required by law or to:

• actual or potential credit providers;
• introducers, referral partners or intermediaries;
• professional advisers, contractors or service providers; or
• parties considering acquiring an interest in our business or

This includes disclosure to technology providers used in connection with application processing, data verification or account analysis, some of whom may be based overseas (including the United States).

5. Bank statements and account aggregation

Where you authorise access to your banking data, you appoint our nominated third- party data service provider as your agent solely to access account information for the purposes of assessment, monitoring and ongoing administration.

You acknowledge that:

• up to six months of historical transaction data may be obtained at the time of application;
• ongoing transaction data may be accessed during the term of any credit arrangement; and
• your bank’s terms may restrict credential sharing, and you provide authority for

access through an authorised intermediary for this limited purpose.

6. Identity verification

Disclosing personal information to identity verification or credit reporting agencies to confirm your identity. Alternative verification options may be discussed upon request.

7. Introducers and counterparties

Providing information about your application or facility (which may include personal information), such as loan terms, balances and repayment history, to introducers, referral partners or funding counterparties involved in the transaction.

Consent to Electronic Communications

You consent to receiving notices, disclosures, contracts, statements and other documents relating to your dealings with Skyecap by electronic means, including email, SMS or secure online portals.

You acknowledge that:

• documents may be made available electronically for a reasonable period;
• you will be notified when documents are available electronically; and
• you are responsible for monitoring your nominated contact

You may withdraw this consent at any time by contacting us, provided you nominate an alternative method of communication.

Final Acknowledgement

You acknowledge that:

• you are not required to provide all consents described above, however refusal to provide certain consents may prevent Skyecap from assessing your application or arranging credit; and
• additional personal information may be collected during the application process, to which this document and our Privacy Policy will apply.