Privacy policy

In short: what you send through this website goes to a secure Google Firebase database and is shared only inside Blue Streak Capital. Credit checks and wider disclosures happen only if you apply and give consent.

Who we are

This website, anton.capital, is run by Anton Perera, Business Development Manager at Blue Streak Capital Pty Ltd (A.C.N. 628 324 630). In this policy "we", "us" and "our" mean Blue Streak Capital Pty Ltd.

We collect information about you for the purpose of arranging or providing business-purpose credit. We handle it in line with the Privacy Act 1988 (Cth) ("the Act") and the Australian Privacy Principles.

What this website collects

• Scenario form: your name, email and role; the borrower entity; deal type, loan amount and term; each security property's address, type and value; any existing debt, current lender and expiry; the exit strategy; and your confirmation that the loan is for business purposes.
• Full scenario builder: the above, plus your phone number if you give it, and the project details: land and on-completion values, build costs, the costs you want funded, the builder and contract, approval status and pre-sales.
• Newsletter forms: your email address, first name if you give it, and your role.

We don't ask for sensitive information (such as health or political views) through this website, and we don't run credit checks from a website enquiry.

How the website stores it

When you send a form, it goes over an encrypted connection to our website's server, which saves it in Google Firebase (Cloud Firestore), a secure cloud database run by Google. The Firebase account is controlled by Blue Streak Capital and holds the data in [Firebase region, for example Sydney (australia-southeast1)].

Firebase is only the intake point. Information sent through this website is shared internally at Blue Streak Capital only, with the people who assess and manage lending scenarios. We don't sell it, and we don't pass website enquiries to other lenders, funds or marketers.

Address suggestions in the scenario form come from Google Maps Platform. The text you type into the address field is passed to Google through our server.

To protect the forms from spam and abuse, our server briefly uses your IP address to limit how many times a form can be sent from one connection. It isn't saved with your submission.

Why we collect information

When you submit a scenario, and if you go on to apply for a loan, we collect personal and credit information ("information") about you for these purposes:

• Identifying you as required by the Anti-Money Laundering and Counter-Terrorism Financing Act
• Disclosing your information to a credit reporting body (CRB), such as Equifax, to obtain a credit report
• Providing or arranging credit for you
• Managing the credit provided to you
• Internal processes, including risk management and pricing
• Our own funding arrangements
• Direct marketing of our products and services, unless you tell us not to
• Managing our relationship with you
• Any person considering acquiring an interest in our business or assets

A website enquiry is used to assess and respond to your scenario. Credit reporting checks and the disclosures below happen only if you proceed with an application and sign our Privacy Act authority.

If you apply: exchanging information

When you apply for credit and give us your consent, we may exchange information as follows.

• With credit reporting bodies. We may exchange your consumer and commercial credit information with CRBs to assess an application for commercial credit. In particular, we can obtain credit information about you from a CRB that provides both consumer and commercial credit information.
• With other credit providers, to assess your creditworthiness, credit standing, credit history or credit capacity.
• With guarantors: any person who proposes to guarantee, or has guaranteed, repayment of credit provided to you.

We may also exchange personal and credit information with these types of entities, some of which may be located overseas:

• Finance brokers, mortgage managers, and people who help us provide our products to you
• Financial consultants, accountants, lawyers and advisers
• Any industry body, tribunal or court in connection with a complaint about the approval or management of your loan, for example a complaint about us or the broker
• Businesses assisting us with funding for loans
• Any person where we are required by law to do so
• Our associates, related entities, contractors or trade insurers
• Your referees, including your employer, real estate agent or landlord, to verify information you've given us or to help us contact you
• Any person considering acquiring an interest in our business or assets
• Any organisation providing online verification of your identity

Customer identification

We may disclose personal information about you to an organisation that verifies identity, including online verification of your identity.

Overseas disclosure

Some of the entities listed above may be located overseas. Google, which provides Firebase and Google Maps Platform, may process data outside Australia in providing those services. Where information is disclosed overseas, we take reasonable steps to make sure it's handled in line with the Australian Privacy Principles.

Storage and security

Website submissions are held in Firebase, with access limited to authorised Blue Streak Capital staff. Once a scenario becomes an application, its information is managed within Blue Streak Capital's own systems. We keep information only as long as we need it for the purposes above or as the law requires, then securely delete or de-identify it.

Access and correction

You can ask for access to the information we hold about you, or ask us to correct it, by contacting us using the details below. Our full company privacy policy is also available on request. It explains how you can access or correct your personal and credit information, how we manage it, and our complaints process.

Notifiable matters

Our company privacy policy also covers "notifiable matters", including:

• the information we use to assess your creditworthiness
• what happens if you fail to meet your credit obligations or commit a serious credit infringement
• your right to ask a CRB not to use your credit information to pre-screen credit offers
• your right to ask a CRB not to use or disclose your credit information if you believe you are a victim of fraud

Emails and unsubscribing

If you subscribe to The Credit Desk, we use your email to send it to you. Every email has an unsubscribe link, and you can ask us at any time to stop direct marketing to you.

Cookies and analytics

This website doesn't use advertising or tracking cookies. When you first visit, a notice asks you to accept or choose essential only, and your choice is saved in your own browser so we don't ask again. If we ever add analytics, it will only run if you chose "Accept", and we will update this policy first.

Its animation libraries load from the jsDelivr network, which receives standard technical information, such as your IP address, to deliver the files.

Complaints

If you have a concern about how we handle your information, please contact us first so we can try to resolve it. If you aren't satisfied with our response, you can contact the Office of the Australian Information Commissioner at oaic.gov.au.

Contact us

Privacy Officer, Blue Streak Capital Pty Ltd (A.C.N. 628 324 630)
[Privacy contact email]
[Postal address]