Privacy Policy
- Effective Date: February 2026
Overview
Qld Capital Pty Ltd (ABN 50 603 620 079) is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, use, disclose and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Section 1 – About Qld Capital
Qld Capital Pty Ltd (ACN 603 620 079) is a non-bank property and development finance lender based in Queensland, Australia.
In this policy, “we”, “us”, “our” and “Qld Capital” refer to Qld Capital Pty Ltd. “You” and “your” refer to any individual whose personal information we collect or handle.
Section 2 – What Personal Information We Collect
The types of personal information we may collect include:
- Identification details such as your full name, date of birth, residential address and contact information (phone number, email address)
- Financial information including income details, employment information, assets, liabilities, bank account details, credit history and tax file numbers
- Property and development details relevant to your loan application, including property valuations, development approvals and project documentation
- Identification documents such as driver’s licence, passport or other government-issued identification, as required for identity verification and anti-money laundering compliance
- Business information including ABN, ACN, company structure and directorship details
- Information collected through our website including IP address, browser type, pages visited, and cookies or similar technologies
- Records of communications between you and Qld Capital, including emails, phone calls and correspondence
- Any other information you voluntarily provide to us
Section 3 – How We Collect Personal Information
We collect personal information in several ways, including:
- Directly from you when you submit a loan enquiry, application or contact form on our website or by phone
- From third parties such as mortgage brokers, referral partners, solicitors, valuers, accountants or other professionals acting on your behalf or involved in your transaction
- From publicly available sources, property databases, and government registers
- From credit reporting bodies when conducting credit checks
- Through our website via cookies, analytics tools and similar technologies
Where reasonably practicable, we will collect personal information directly from you. If we receive unsolicited personal information that we do not require, we will take reasonable steps to destroy or de-identify that information.
Section 4 – Why We Collect and Use Personal Information
We collect and use your personal information for the following purposes:
- To assess and process loan applications and finance enquiries
- To verify your identity and conduct required due diligence
- To manage and administer your loan account, including monitoring security property and project progress
- To comply with our legal and regulatory obligations, including under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the National Consumer Credit Protection Act 2009 (Cth), and other applicable legislation
- To communicate with you about your enquiry, application or loan
- To manage our relationship with brokers and referral partners
- To improve our products, services and website
- To manage risks, resolve disputes and enforce our agreements
- For any other purpose authorised or required by law
Section 5 – Credit Reporting and Credit Information
As a provider of finance, we may collect credit information and credit eligibility information about you from credit reporting bodies. This information is handled in accordance with Part IIIA of the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2014.
Credit information we may collect includes your identification details, the type and amount of credit sought or provided, repayment history, default information, and details of credit-related court proceedings or insolvency.
We may disclose credit information to credit reporting bodies, and they may include this information in reports provided to other credit providers. If you fail to meet your payment obligations or commit a serious credit infringement, we may disclose this to a credit reporting body.
Section 6 – Disclosure of Personal Information
We may disclose your personal information to:
• Our employees, officers, directors and authorised representatives
• Professional advisors including solicitors, accountants, valuers and insurers
• Mortgage brokers and referral partners involved in your transaction
• Credit reporting bodies
• Debt collection agencies, if applicable
• Government agencies and regulatory bodies as required by law, including AUSTRAC, ASIC and the Australian Taxation Office
• Service providers who assist in our business operations, including IT providers, document management services and marketing platforms
• Any other party with your consent or as otherwise required or permitted by law
Section 7 – Overseas Disclosure
We generally do not disclose personal information to overseas recipients. If this changes, we will update this policy and take reasonable steps to ensure any overseas recipients comply with the APPs or are subject to a substantially similar privacy regime.
Section 8 – Website, Cookies and Analytics
Our website may use cookies, web beacons and similar technologies to improve your browsing experience, analyse website traffic and understand visitor behaviour. You can manage cookie preferences through your browser settings. Disabling cookies may affect the functionality of our website.
We may use third-party analytics services such as Google Analytics to collect and analyse website usage data. This data is generally aggregated and does not personally identify you.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any external sites you visit.
Section 9 – Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification and disclosure. Our security measures include electronic and physical access controls, encryption of sensitive data in transit, secure storage systems, and staff training on privacy obligations.
When personal information is no longer needed for the purpose for which it was collected and we are not required by law to retain it, we will take reasonable steps to destroy or de-identify that information.
Section 10 – Access and Correction
You have the right to request access to the personal information we hold about you. You also have the right to request correction of any information that is inaccurate, out-of-date, incomplete, irrelevant or misleading.
To request access or correction, please contact us using the details provided below. We will respond to your request within a reasonable timeframe and in accordance with the APPs. In some circumstances, we may refuse access or correction, in which case we will provide written reasons for the refusal.
We do not charge a fee for making a request, but we may charge a reasonable fee for providing access to your personal information if the request requires substantial effort.
Section 11 – Complaints
If you believe we have breached the APPs or handled your personal information inappropriately, you may lodge a complaint with us using the contact details below. We will investigate your complaint and respond within 30 days.
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):
- Website: oaic.gov.au
- Phone: 1300 363 992
- Email: [email protected]
Section 12 – Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements or business operations. Any updates will be published on our website. We encourage you to review this policy periodically.
Section 13 – Contact Us
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