Privacy Policy
Introduction
Skale Capital (“we”, “us”, “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, store, and manage your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the latest privacy law reforms effective in 2025.
What Information We Collect
We may collect and hold the following types of personal information:
Identification details (e.g., name, address, date of birth)
Contact information (e.g., phone number, email address)
Financial and credit information (e.g., credit history, loan details, bank account information)
Employment and income details
Information required for anti-money laundering (AML) and counter-terrorism financing (CTF) purposes
Any other information you provide to us in connection with your application or inquiry
How We Collect Personal Information
We collect personal information in various ways, including:
Directly from you via application forms, online submissions, emails, or phone calls
From third parties such as credit reporting bodies, financial institutions, or your representatives
Through our website, including via cookies and analytics tools
Why We Collect and Use Personal Information
We collect, hold, use, and disclose your personal information for purposes including:
Assessing and processing loan applications
Managing and administering loans and related services
Meeting our legal and regulatory obligations (including AML/CTF)
Communicating with you about our products and services
Conducting business analytics and improving our services
Marketing (with your consent)
Responding to inquiries, complaints, or requests
Disclosure of Personal Information
We may disclose your personal information to:
Credit reporting bodies and other lenders
Service providers and contractors (e.g., IT, legal, accounting)
Regulatory bodies and government agencies as required by law
Our related entities and business partners
Any third party you authorise us to disclose to
We do not sell or rent your personal information to third parties.
Overseas Disclosure
Some of our service providers may be located overseas. Where your information is disclosed to an overseas recipient, we will take reasonable steps to ensure that your information is handled in accordance with Australian privacy laws.
Security of Your Personal Information
We take reasonable technical and organisational measures to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes secure storage, encryption, access controls, and regular audits13.
Your Rights
You have the right to:
Access the personal information we hold about you
Request correction of your personal information if it is inaccurate, out-of-date, or incomplete
Request erasure of your personal information when it is no longer required (“right to be forgotten”)
Withdraw your consent for certain uses of your information
Make a complaint about how we handle your personal information
How to Access or Correct Your Information
To request access or correction, please contact us using the details below. We will respond within 30 days. If we refuse your request, we will provide reasons in writing.
Complaints
If you have a complaint about how we have handled your personal information, please contact us. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
Contact Us
Skale Capital Pty Ltd
ACN: 686 616 928
info@skalecapital.com.au
Updates to This Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website. We encourage you to review it regularly.
This Privacy Policy is effective as of 10 June 2025 and is designed to comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles as amended in 2025.