Privacy Policy
Introduction
Zool Capital Pty Ltd (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information. It applies to all individuals who interact with us, including customers, lenders, and investors. By using our website or services, you agree to the terms outlined in this Privacy Policy. If you do not agree, please refrain from using our services.
What Information We Collect
- Personal Information
We may collect the following types of personal information:
- Identification Details: Name, date of birth, and government-issued identification (e.g., driver’s license, passport).
- Contact Information: Email address, phone number, and residential/business address.
- Employment and Income Details: Occupation, employer, salary, and income sources
- Financial Information: Bank account details, credit history, tax records, and other financial documents necessary for assessing creditworthiness or investment suitability.
- Business Information (For Customers and Lenders)
- Business Name and Structure: Legal entity details, business registration numbers (e.g., ABN or ACN).
- Financial Health: Revenue, profit and loss statements, and loan repayment history.
- Loan Details: Purpose of financing, loan amount requested, and security/collateral information (if applicable).
- Investor Information
- Investment Details: Portfolio information, funding preferences, and risk appetite.
- Accreditation Status: Confirmation of qualifications to act as a wholesale or sophisticated investor.
- Website and Technical Data
- Usage Information: IP address, browser type, and browsing behaviour.
- Cookies and Analytics: To improve website functionality and tailor our marketing efforts.
- Communications
- Any information you provide during correspondence with us, including phone calls, emails, and online forms
How We Use Your Information
We use your personal and business information to:
- Provide Services: Process financing applications, connect borrowers and lenders, and facilitate investment opportunities.
- Evaluate Applications: Conduct credit assessments, financial analyses, and risk evaluations for customers and lenders.
- Communicate: Provide updates on applications, respond to inquiries, and deliver tailored marketing messages (with your consent).
- Compliance: Fulfill legal and regulatory requirements, such as anti-money laundering (AML) and counter-terrorism financing (CTF) obligations.
- Improve Services: Enhance website performance, optimize user experience, and refine our service offerings.
Sharing Your Information
We may disclose your information in the following scenarios:
- Service Providers
- To third-party vendors who support our operations, including payment processors, credit bureaus, and IT service providers.
- Lenders and Investors
- Customer information may be shared with lenders and investors during loan and investment assessment processes.
- We ensure only the necessary information is disclosed to facilitate your application or funding request.
- Legal and Regulatory Obligations
- To government authorities, regulatory bodies, or law enforcement when required by law or to protect our legal rights.
- Business Transactions
- In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.
We will never sell or rent your personal information to third parties for marketing purposes.
Data Security
We prioritize the security of your information. Measures we take include:
- Encryption: Protecting sensitive information during transmission.
- Access Controls: Restricting data access to authorized personnel only.
- Secure Storage: Hosting data on servers compliant with industry standards. Despite our best efforts, no system is completely secure. You use our services at your own risk.
Your Rights
You have the following rights regarding your data:
- Access: Request a copy of the personal data we hold about you.
- Correction: Request updates to inaccurate or outdated information.
- Erasure: Request the deletion of your data, subject to legal and contractual obligations.
- Marketing Preferences: Opt-out of receiving promotional materials at any time.
- Data Portability: Request a copy of your data in a machine-readable format, where feasible.
To exercise your rights, contact us at lender@zoolcapital.com.au.
Cookies and Tracking
Our website uses cookies and analytics tools to:
- Personalize user experiences.
- Track website traffic and performance.
- Deliver targeted advertising.
You can manage or disable cookies through your browser settings. However, some features of our website may be affected.
Retention of Information
We retain your personal data only for as long as necessary to:
- Fulfill the purposes outlined in this Privacy Policy.
- Comply with legal, regulatory, and contractual obligations.
When no longer required, we securely delete or anonymize your data.
Third-Party Links
Our website may link to external websites. We are not responsible for the privacy practices or content of these third-party sites.
Updates to This Privacy Policy
We may update this policy from time to time to reflect changes in laws, regulations, or our practices. The latest version will always be available on our website.
Contact Us
If you have any questions about this Privacy Policy or your data, please contact us:
- Email: lender@zoolcapital.com.au
- Phone: 1300 352 342
- Address: Level 2, 222 Pitt Street, Sydney, 2000 NSW
