Privacy Policy
Privacy Policy
1. Introduction
This Privacy Policy outlines how Liquid Capital Pty Ltd (ACN 622 348 663) ("Liquid Capital", "we", "us", or "our") and our related entities collect, use, disclose, and handle your personal information, including any credit-related information, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles ("Privacy Laws").
The terms "you" and "your" refer to both individuals and businesses interacting with us. This policy applies to all individuals who deal with us, including borrowers, brokers, partners, suppliers, and website users.
By using our services or interacting with us, you agree to this Privacy Policy.
If you provide personal information about another person, you confirm that you have their consent to share it with us and to allow us to collect, use, and disclose it in accordance with this Policy. You should also inform them of their rights under this Policy.
2. What Information We Collect
We collect personal information directly from you or your representatives, as well as from third parties such as brokers, lenders, financial institutions, service providers, marketing partners, public records, and government agencies.
The types of information we collect may include:
- Personal details: Name, address, date of birth, contact details, identity documents, and biometric or photographic identification.
- Financial information: Income, assets, liabilities, expenses, bank account details, and transaction history.
- Employment and business information: Occupation, employer, business structure, ABN/ACN, and trading history.
- Transaction history: Dealings with us or through our platform, including finance applications and communications.
- Other information: Such as gender, marital status, tax file number, or director identification number, where relevant.
Providing your information is optional, but without it we may not be able to provide you with certain services or assist you in applying for finance.
Sensitive Information We may collect sensitive information (for example, financial hardship or health-related information) if it is necessary for a specific purpose, such as assessing hardship applications or resolving complaints. Sensitive information is used only for the purpose for which it is provided.
Bank Statement Information If you choose to use our secure third-party bank statement service, you authorise our service provider to access your transaction data for up to the past 12 months to assist in verifying income or assessing loan eligibility. Your banking credentials are never stored by us. You appoint the third-party service provider as your agent solely for this purpose.
Cookies and Website Analytics When you use our website or online services, we may collect information such as your IP address, browser type, location data, and interactions with our content. We use cookies and analytics tools to improve your experience and understand website performance. You can disable cookies in your browser settings, though this may affect site functionality.
3. How We Use Your Information
We use personal information for purposes including:
- Assessing your eligibility for finance or other services
- Facilitating introductions between borrowers, brokers, and lenders
- Managing and improving our brokerage platform and customer experience
- Communicating with you about your application or account
- Direct marketing (where permitted by law)
- Meeting our legal and regulatory obligations (e.g. under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth))
- Performing data analytics, reporting, and business improvement activities
We may also aggregate de-identified data for analysis and reporting. This information does not personally identify you.
Automated Decision-Making
We may use automated systems or algorithms to assist in assessing eligibility or matching borrowers to lenders. These systems rely on the information you provide and are reviewed periodically to ensure fairness and accuracy.
4. Sharing Your Information
We may share your personal information with:
- Lenders and finance partners for loan or finance assessments
- Introducers, brokers, or agents who assist with your application
- Technology and data service providers, including credit reporting bodies, identity verification services, and analytics platforms
- Regulatory and government agencies, where required by law
- Third-party contractors who help operate our services (e.g. IT, marketing, or customer support)
- Any party you authorise or as permitted by law
If you were referred to us by a broker or partner, we may share details of your application and status updates with them unless you instruct us otherwise.
We use service providers located in Australia and may also disclose information to providers located overseas (e.g. in Singapore, the Philippines, or the United States) for secure data processing and support services. Where we do so, we take reasonable steps to ensure compliance with Australian Privacy Principles.
5. Credit-Related Information
As part of assisting with your finance enquiry, we may collect or use credit-related information such as your credit score or credit report to help lenders assess your eligibility. We may obtain this information through credit reporting bodies, with your consent, and disclose it to lenders where required.
The credit reporting bodies we may use include:
We use this information to confirm your identity, assess loan suitability, and assist lenders in making credit decisions. You can contact the above credit reporting bodies directly to obtain a copy of your credit report or manage how your information is used for pre-screening or marketing.
6. Keeping Your Information Secure
We store your information electronically and, in some cases, in hard copy. We use reasonable security measures—including encryption, access controls, and staff training—to protect your data from unauthorised access or misuse.
You are responsible for maintaining the confidentiality of your login details and should not share them with anyone.
7. Accessing or Correcting Your Information
You can request access to, or correction of, the personal information we hold about you by contacting us via the details below.We will respond within a reasonable timeframe (usually within 20 business days). If we refuse your request, we will explain the reason in writing and inform you of your options.
8. Contacting Us or Making a Complaint
For privacy-related queries, access or correction requests, or complaints, please contact:
Liquid Capital Pty Ltd 📞 Phone: +61 (02) 8075 4552 ✉️ Email: privacy@liquidcapital.com.au 🌐 Website: www.liquidcapital.com.au
We aim to resolve all complaints promptly. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or call 1300 363 992.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any updates will be published on our website at www.liquidcapital.com.au. By continuing to use our services after an update, you agree to the revised Policy.