Privacy Policy

 

Our Commitment to Privacy

hCapital is committed to protecting the privacy of your personal information. This Privacy Policy outlines how we collect, use, store, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

 

Information We Collect

We may collect personal information necessary to provide our investment and lending services. This includes, but is not limited to:

  • Identity Data: Name, date of birth, driver’s license or passport details (for KYC/AML purposes).

  • Contact Data: Email address, telephone number, and residential address.

  • Financial Data: Bank account details, tax file numbers (TFN), assets and liabilities, and income details.

  • Technical Data: IP address, browser type, and usage data collected via cookies when you visit our Site.

 

How We Collect Information

We collect information directly from you when you:

  • Fill out forms on our website (e.g., "Contact Us" or "Investor Portal" registration).

  • Apply for an investment or to borrow.

  • Communicate with us via email or telephone.

We may also collect information from third parties, such as credit reporting bodies, identity verification services, and your financial advisers.

 

Purpose of Collection

We collect and use your personal information to:

  • Process and assess your applications for investments or loans.

  • Manage your investments and provide periodic reporting.

  • Verify your identity in compliance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

  • Communicate with you about our products, services, and market insights.

  • Comply with legal and regulatory obligations.

 

Disclosure of Information

We may disclose your personal information to:

  • Service Providers: Third-party administrators, custodians, auditors, legal advisers, and IT providers who assist us in running our business.

  • Regulatory Bodies: ASIC, AUSTRAC, the ATO, or other government agencies as required by law.

  • Credit Reporting Bodies: If you are a borrower, we may exchange information with credit reporting bodies (such as Equifax) to assess your creditworthiness.

We do not sell your personal information to third parties for marketing purposes.

 

Security of Information

We take all reasonable steps to protect your personal information from misuse, interference, loss, unauthorized access, modification, or disclosure. We use secure servers, firewalls, and encryption technologies to safeguard your data.

 

Access and Correction

You have the right to request access to the personal information we hold about you and to ask for it to be corrected if it is inaccurate. To make a request, please contact us using the details below.

 

Contact Us

If you have any questions about this Privacy Policy or wish to make a complaint about a breach of the Australian Privacy Principles, please contact us using the contact us form (add link).

 

Last Updated: [February 2026]