Privacy Policy

This Policy is designed to protect the confidentiality of information and the privacy of individuals by regulating the way personal information is collected, used, disclosed and managed. Personal information is, generally speaking, information or an opinion relating to an identified, or reasonably identifiable, individual. This policy explains the types of personal information that we may collect and hold, how that information is used and with whom the information is shared. It also sets out how you can contact us if you have any queries or concerns about this information.

Information we collect from you can vary dependant on the transaction. The following outlines the types of information we collect:

• Personal identification which includes name, postal or email address, telephone numbers and date of birth.
• Financial details – tax file number, bank and wage information (ie. statements of position, PAYG summaries)
• Information on how you’d like to interact with us.
• Credit information including details relating to credit history, credit capacity and eligibility for credit. This information is likely to form part of your loan application(s).
• Other information that may be considered necessary for the provision and promotion of our products and services and the operation of our business.

We also collect statistical information about visitors to our website. Generally, this information cannot be used to identify particular individuals but in some circumstances, it may include a visitor’s IP address, which could be linked to the individual.

Over the course of our relationship, we may collect and hold additional information be it related to your person or business. These requirements often depend on either a) the requirement of lenders or b) our internal credit policies to ensure our products are right for you.

Online data collection (this heading to be internal of the ‘what personal info do we collect question’

Much of the data collection through online methods is done so through the ‘unwanted guest’ also known as cookies. For the non tech experts out there, a cookie is a small text file that a website stores on your computer to identify you so you can avoid re-entering your user ID. We are no different to other websites, whereby we use cookies to enable our systems to recognise your browser and to navigate the site more easily. Visitors can opt-out of cookies through Ads Settings, or any other available means which are generally located in your internet browser. Personal information may be collected by way of forms filled out by individuals (including via online forms), emails, telephone conversations and online user- generated content.

How we collect and disclose your personal information?

We may use and disclose your personal information for a range of purposes, including to:

• provide you with services that you have requested;
• respond to your queries or feedback;
• provide you with any communications or publications in which we think you might be interested, or which you have requested;
• let you know about developments of our services, activities and programs that might be useful to you;
• facilitate your participation in forums, social events and educational events;
• Disclosure of personal information to other parties

Kizmet Capital may disclose your personal information to third parties such as our professional advisers, lenders, our external service providers that provide services to us (such as distribution of newsletters and market research). We may disclose your personal information for the purposes set out above.

Additionally, we may also disclose your personal information if it is required or authorised by law,

Where disclosure is necessary to prevent a threat to life, health or safety, or where we are otherwise permitted by the Privacy Act. We do not sell or license your personal information to third parties.

What if you don’t want to provide us with your personal information?

• If you don’t provide your personal information to us, we may not be able to:
• provide you with a requested product or service
• manage or administer your product or service
• personalise your experience with us
• verify your identity including to detect fraudulent or unauthorised attempts by third parties to access or operate your accounts; or let you know about other products or services that might better meet your financial, e-commerce and lifestyle needs.

Security and management of personal information

We will take reasonable steps to protect the personal information we hold from misuse and loss and from unauthorised access, modification or disclosure. The ways we do this include:

• limiting physical access to our premises;
• limiting access to the information we collect about you (for instance, only those of our personnel who need your information to carry out our business activities are allowed access);
• requiring any third party providers to have acceptable security measures to keep personal information secure; and putting in place physical, electronic, and procedural safeguards in line with industry standards.

When we no longer require your information

Due to the nature as to why we collect your personal information, we are required to keep your information as long as legally required. We’re required by law to retain some information for certain periods of time, such as under the Corporations Act and the Anti-Money Laundering & Counter-Terrorism Financing Act. When we no longer require your information, we take reasonable steps to ensure that your information is destroyed, de-identified, or rendered inaccessible.

Can we use you information for marketing and promotional purposes?

We may use or disclose your personal information to let you know about products and services that we believe may be of interest to you. We will not do this if you unsubscribe or otherwise advise us not to.

With your consent, we may disclose your personal information to third parties such as brokers, agents or financial advisors, or for the purpose of connecting you with other businesses or customers. You can opt out at any time.

Stop sending me this crap, I’ll call you when I want something…

If you receive any promotional material from us and you do not wish to receive this any longer, you may remove your name from our list by contacting us at enquiries@kizmet.capital or by clicking the unsubscribe facility provided.

Links from our website to other websites

Our website may contain links to third party websites. We do not operate these websites and therefore are not responsible for the collection or handling of personal information by the operators of these websites.

Updating your personal information

We’re pretty great, but reading minds isn’t one of our skillsets. We endeavour to ensure that the personal information we hold about you is accurate, complete and up-to-date. Please contact your friendly Kizmet sales member or flick us an email if your contact information is out of date.

Hopefully this never happens – but if you do have any concerns or complaints about how we have handled your personal information, or for any other reason for that matter, please get in touch! If not through your dedicated Kizmet representative, you can contact us through the enquiries@kizmet.capital email address.

If you are concerned that we have not complied with your legal rights or applicable privacy laws, you may bring a complaint internally through our complaints process.

We love to chat! And we give a damn about what you think! Please feel free to get in touch to provide any feedback or questions related to our privacy policy and procedures…. Or anything else for that matter!

To make it as easy as possible, there are many ways to get in touch: –

• submitting and online enquiry via contact us
• giving us a call on 1800 0 KIZMET (1800 054 963)
• contacting your designated Kizmet sales member – they love giving out their number and live on their phones so that’s always a quick way to reach us!
• Email us via enquiries@kizmet.capital
• Write or visit us at Kizmet HQ… our address is

Kizmet Capital

Level 27, 333 Collins Street

Melbourne VIC, 3000

This Privacy Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and the changing business environment.

We recommend that you review these statements too as they may have more specific detail for your particular product holdings.

Version dated 31 August 2022. Last reviewed August 2022.