Privacy Policy

1.Who we are

Simdex Capital Pty Ltd (ABN 83 703 371 797) ("Simdex Capital", "we", "us", "our") is a business lending intermediary. We help Australian businesses find suitable funding by matching their profile with funders across our panel.

We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2.What information we collect

We may collect the following types of personal information:

• Identity and contact details — full name, email address, phone number, business name, ABN, industry and time in business
• Financial information — average monthly revenue, requested loan amount, existing loans and repayment obligations, and property ownership details
• Business bank statements — collected via our bank statement partner, illion
• Usage information — IP address, browser and device type, pages visited and form interaction data

3.How we collect your information

• Directly from you via our online application
• Via illion when you submit bank statements (governed by their separate privacy policy)
• Automatically via cookies and analytics tools when you use our website
• From funders in our panel, where they provide information about your application
• From publicly available sources (e.g. the ASIC register for ABN verification)

4.Why we collect your information

No credit check at the enquiry stage. We do not perform a credit enquiry on your file when you submit our online form. A credit check only occurs if you choose to proceed to a formal application with a funder, and we will inform you before this happens.

• Assess your application and match you with suitable funders from our panel
• Contact you to discuss your funding options
• Process and facilitate your loan application with funders
• Comply with our legal and regulatory obligations
• Improve our website and services
• Send relevant communications (you can opt out at any time)

5.How we use your information

We use your information only for the purposes for which it was collected, or for directly related purposes you would reasonably expect. We will not use your personal information for direct marketing without your consent, and we will always provide a simple opt-out mechanism.

6.Who we share your information with

We do not sell your personal information to third parties. We do not share your information with marketers or unrelated third parties.

• Funders in our panel — to assess your funding eligibility and provide you with offers
• illion — our bank statement collection partner (subject to their privacy policy)
• Technology providers — including our website host, CRM, and email service providers, under strict data processing agreements
• Regulatory bodies — ASIC, AFCA, or law enforcement where required by law

7.Credit-related information

As a lending intermediary dealing in commercial (business-purpose) credit, we handle information about your business's financial position and creditworthiness. This information is used solely to assess lending suitability and facilitate applications with funders in our panel. We do not access or report to consumer credit bureaus at the enquiry stage.

8.Overseas disclosure

Some of our technology providers may store or process data on servers located overseas. Where this occurs, we take reasonable steps to ensure those providers comply with standards comparable to the Australian Privacy Principles.

9.How we store and protect your information

We protect your information using industry-standard security measures including SSL/TLS encryption for data in transit and access controls for data at rest. We retain your information for as long as necessary to fulfil the purposes for which it was collected, and in accordance with any applicable legal obligations. When no longer required, information is securely deleted or de-identified.

10.Your rights and access

Under the Privacy Act 1988, you have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or outdated information
• Complain about a breach of the Australian Privacy Principles
• Opt out of direct marketing communications at any time

11.Cookies and website analytics

Our website uses cookies and similar tracking technologies to improve your experience and analyse usage. You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain parts of our website.

12.Changes to this policy

We may update this policy from time to time to reflect changes in our practices or applicable law. The current version will always be available on our website. We encourage you to review this policy periodically.

13.Contact us and complaints

For privacy enquiries or complaints, contact our Privacy Officer at submissions@simdexcapital.com or 0485 867 697 (Mon–Fri, 9am–5pm AEST).

If you are unsatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.