How Blackcube Capital handles personal information.

This privacy policy explains how BLACKCUBE CAPITAL PTY LTD trading as Blackcube Capital handles personal information when we provide commercial lending brokerage and related business finance services.

This policy is intended to describe, in a clear and accessible way, how we collect, hold, use and disclose personal information in connection with funding enquiries, brokerage services, website interactions and ongoing client relationships.

Depending on how you deal with us, we may collect personal information such as your name, business name, job title, email address, phone number, ABN or ACN details, identification information, financial information, bank statements, trading history, funding requirements, director or guarantor details and correspondence with us.

We may also collect technical or website usage information, such as IP address, browser or device information and basic site interaction data, through our website, hosting environment or service providers.

We generally collect personal information directly from you when you submit an enquiry, complete a form, speak with us by phone, email us, provide supporting documents, or otherwise engage us to help arrange funding.

In some cases, we may collect information from third parties where reasonably necessary for our services, including lenders, introducers, professional advisers, publicly available registers, identity verification providers and other parties you authorise us to deal with.

We collect, hold, use and disclose personal information so we can assess finance enquiries, understand your business circumstances, identify suitable commercial lending options, communicate with you, submit applications to lenders or funding partners, manage our relationship with you and comply with legal, regulatory and risk-management obligations.

We may also use personal information to improve our service delivery, maintain internal records, respond to questions or complaints and, where permitted, send relevant updates about our services.

We may disclose personal information to lenders, non-bank funders, private credit providers, referral partners, aggregators, introducers, valuers, legal or accounting advisers, identity or verification providers, IT and cloud service providers, payment or communications providers, and our regulators or professional bodies where required.

We only disclose information where it is reasonably necessary for our commercial lending brokerage activities, to operate our business, or to comply with applicable laws and lawful requests.

Some of the service providers we use to operate our website, communications or internal systems may store or process personal information outside Australia. Where this occurs, we take reasonable steps to ensure those providers handle personal information in a manner consistent with the Australian Privacy Principles.

If permitted by law, we may send you updates about our services or related commercial finance information. You can ask us to stop sending marketing communications at any time by contacting us or using any unsubscribe option included in the communication.

We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps may include access controls, secure platforms, document management procedures and restricting access to people who need the information for legitimate business purposes.

We keep personal information for as long as reasonably necessary for our services, internal business purposes, dispute resolution, record-keeping and legal or regulatory obligations. When information is no longer required, we take reasonable steps to destroy it or de-identify it.

You may request access to personal information we hold about you, and you may ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading. We may need to verify your identity before responding, and in some cases the law may permit or require us to refuse access.

If you have a privacy complaint, please contact us first using the details below and provide enough information for us to understand and investigate the issue. We will review the complaint and respond within a reasonable period.

If you are not satisfied with our response, you may be able to make a complaint to the Office of the Australian Information Commissioner.

We may update this privacy policy from time to time to reflect changes to our business practices, technology, service providers or legal obligations. The latest version will be published on this page.