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Privacy Statement

Last Revised 17 December 2024

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Who we are
 

www.ventracapital.com is operated by Ventra Capital Private Pty Ltd (ACN 622 977 799) ("Ventra") which is bound by the Australian Privacy Laws including the Australian Privacy Principles (“APP”s) under the Privacy Act 1988 (Cth) (“the Act”) that are applicable to it.

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Our Products

 

Ventra provides online client, broker and investor (collectively Users) portal to enable use to access their accounts details online. Ventra provides private debt solutions to SME businesses in Australia through a network of financial brokers.  We fund Caveat/ 2nd Mortgage loans for business purposes including but not limited to the below:

 

  • Cash flow Finance

  • Bridging Loan 

  • Working Capital

  • Debt Restructure/Refinancing

  • Payment to ATO debt​​

  • Investment Loans other than investments in Residential Property

  • Construction Loans / Residue Stocks

  • R&D Tax Refund Offset

  • Finance a Business Acquisition

 

(“Debt Solutions”)

 

​This Privacy Policy

 

This Privacy Policy is designed to describe how Ventra manages your personal information using Ventra’s practices, procedures and systems.

 

Personal information includes a broad range of information, or an opinion, that could identify an individual. What is personal information will vary, depending on whether a person can be identified or is reasonably identifiable in the circumstances.

 

Your Personal Information
 

Any personal information that you provide under Ventra's services via its website - www.ventracapital.com, (the Website)  will be collected, used, disclosed and handled by Ventra in accordance with this Privacy Policy.

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This Privacy Policy:
 

  1.  sets out Ventra's policies relating to the collection, use, disclosure and handling of personal information.

  2. applies to your conduct on the Website and is in addition to, and should be read in conjunction with, Ventra's Terms of Use.
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Unless otherwise defined in this Privacy Policy, all capitalised terms have the meaning in the Terms of Use.​

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User Consent

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By using or accessing the Website, you agree to the terms of this Privacy Policy and expressly consent to the collection, processing,

and disclosure of your personal information in accordance with this Privacy Policy.

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Collection and types of Personal Information

 

We only collect personal information that is necessary for our functions or activities and we do so only by lawful and fair means and in an unobtrusive way. Ventra collects information about you in the following ways:

 

  • When you register with or use Ventra, we collect personal information such as your name, email address, telephone number, address and any other personal or preference information that you voluntarily provide to Ventra through the Website or to a Ventra services partner.
     

  • When you visit the Ventra Website, we collect your browser type and IP address. This information is gathered for all Ventra users and is used to manage the Website, track usage and improve Ventra Website and services. In addition, Ventra stores certain information from your browser using cookies.

 

  • If you engage us to provide you with any of the Products set out above including but not limited to products connected with Debt Solutions, we will, upon receipt of your written consent, collect from you or potentially credit reporting bodies and other information services, personal information that is relevant to a loan application and/or loan facility including:

    • your current (or last known) address and previous 2 addresses;

    • your driver’s licence number;

    • the names of any credit providers that have provided you with consumer credit, and whether they are licenced by ASIC;

    • the type of consumer credit provided by those credit providers;

    • the day on which that consumer credit was made available to you and (if relevant) terminated;

    • the limit on that consumer credit;

    • certain terms and conditions of that consumer credit, including limited information about your repayment and interest obligations;

    • repayment history information, which is information about whether you have made a consumer credit payment on time, or whether you have missed a payment;

    • financial hardship information, which is reported against your repayment history information;

    • that a credit provider has requested access to information held in your consumer credit report in connection with an application that you have made to that credit provider for consumer or commercial credit (an information request, more commonly known as a credit enquiry);

    • the type and amount of consumer or commercial credit that you sought in that application;

    • that you have defaulted on a consumer credit payment of $150 or more (this means that you are at least 60 days overdue in making the payment);

    • a statement that you have since paid an amount that was recorded as default in your consumer credit report;

    • the fact that, as a result of a default, you have agreed to a variation in the terms and conditions of consumer credit, or you are provided with new consumer credit;

    • any court judgements made against you that relate to credit provided to, or applied for by, you;

    • certain information about you that is recorded on the National Personal Insolvency Index, including information that relates to bankruptcy and debt agreements;

    • certain publicly available information that relates to your activities in Australia and your creditworthiness. A credit reporting body (CRB) can only collect this information where it is generally available to members of the public and where the CRB collects the information from an agency or a state or territory authority;

    • the opinion of a credit provider that you have committed a serious credit infringement.

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Withdrawing consent

 

You may withdraw your written or implied consent to collect personal information as the case may be, at any time, by contacting us at compliance@ventracapital.com. Please be advised that doing so will affect our ability to provide you with any services or products including in relation to the Debt Solutions.

 

Minors

 

We do not knowingly collect data from or market to children under 18 years of age, nor do we knowingly sell such personal information.  By engaging/ using the Debt Solutions, you represent to us that you are at least 18 years of age.  If we learn that personal information from users less than 18 years has been collected, we will deactivate any account and take reasonable measures to promptly delete such data from our records.

 

Cookies

 

Cookies are pieces of data stored on your computer that are sent from the Website that you view. Ventra uses session Cookies, which terminate once you close your web browser, and also persistent Cookies that store your login details to make it easier for you to login the next time you visit Ventra. You can remove or disable Cookies using the settings on your web browser, however, if you choose to do this you may not be able to take full advantage of the functions on the Website.

 

If you have not identified yourself on Ventra's Website, such as registering or logging in as a User, the information we collect about you remains anonymous.


 When using Ventra services, personal information will be collected by one of our third party organisations, including financial service providers such as banks or payment gateways for securing payment of products including Debt Solutions or other services.

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Use And Disclosure Of Your Information

 

Ventra holds, uses and discloses personal information primarily for the purpose of providing or enhancing our services to you and providing support or information you have requested or indicated an interest in receiving.

 

We will not disclose any personal information about you outside Ventra or its operating companies without your permission unless:

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  • it is required or permitted by law;

  • we receive a bona fide request from an appropriate government or regulatory body or agency;

  • we believe it is necessary in order to offer you the services or products including Debt Solutions;

  • we suspect that your use of the Website or Services is in breach of the Terms of Use;

  • it is to protect the rights or property of Ventra and any Ventra user;

  • it is otherwise permitted or contemplated under the Terms of Use; or

  • it is to lessen or respond to a serious threat to a person's health or safety, or to prevent actual or suspected fraud or any other actual or suspected illegal activity perpetrated through or in connection with the Website or Services or otherwise to protect the property of Ventra.

 

We will not share your personal information with any non-affiliated third party except where permitted by you or otherwise permitted under the Act or allow a non-affiliated third party to promote its products and services directly to you without your express consent.  Affiliated third parties may include organisatoins that carry out functions on our behalf or otherwise by law.

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There are occasions where we share your personal information outside your country of residence as part of providing Ventra services. This includes sharing your information with our overseas Software Developers/Support (which includes but is not limited to Australia, Vietnam, (for the purposes of third party contractor IT development and support for loan administration systems) and the United States of America (for the purpose of Dropbox/Amazon/ Microsoft/ Hubspots/ Docusign/ Adobe and other necessary software support systems that may required to deliver our products and services including Debt Solutions and provide global technology and support.

 

Third Party contractors that are engaged by Ventra are subject to written Service Agreements and are bound by confidentiality provisions.

 

Ventra will not disclose any personal information such as your name, address, email, telephone number to any person outside of the company, unless the customer has authorised us to do so, we are required by law to disclose such information, or if it assists Ventra to deliver our products and services including Debt Solutions.

 

We have carefully considered the outside organisations we have partnered with and know that they too respect our customer’s privacy. Some examples of the types of organisations include:
 

  • Financial services providers, such as banks or third party supplier for securing payment of the products or services including Debt Solutions we provided to you.

  • Government Agency such as ASIC and ATO.

 

Note that these outside organisations change from time to time.

 

These outside organisations by which your personal information may be disclosed to, or obtained from (as well as otherwise permitted by the Act) include:

 

  • our affiliates, sales agents and organisations that carry out functions on our behalf;

  • mailing houses, data processors and collection agents;

  • service providers;

  • other credit providers;

  • any signatory or guarantor or grantor to the facility for which you are applying;

  • any broker, introducer, financer, legal, investor/deal participant, or other adviser acting in connection with your facility or application;

  • regulatory and tax authorities in Australia and overseas;

  • credit reporting bodies;

  • any insurer (including any lender’s mortgage insurer and/or trade insurer) relating to your facility; and organisations wishing to acquire an interest in any part of our business.

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Notwithstanding anything in this Privacy Policy, Ventra reserves the right to transfer your personal information to a successor that acquires rights to such information as a result of the sale of Ventra, a material change in control of Ventra or the sale of substantially all of its assets to that successor.  

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Keeping Your Information Secure

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Ventra will take reasonable steps to safeguard any personal information that we hold about you. Your personal information is stored on secure servers that are protected in controlled facilities. 

 

As at the date of this Privacy Policy, your personal information is stored:

  •  on a secure cloud platforms located in the United States of America; and

  • On computer devices in the possession of Ventra that are subject to password control and two step dual authentication and authorisation.

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Our employees and contractors will only have such access as is required for them to perform their duties. However, you acknowledge and agree that Ventra will not be responsible for any unauthorised access to your personal information.

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In addition, your information and User details are protected by a password that has been selected by you. It is your responsibility to keep this password confidential and to immediately notify us if there is any unauthorised use of your account by any other person.

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Access, Correction Or Deletion Of Your Information

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As a User of Ventra, you  can access, modify, correct, delete and/or update your profile information at any time by logging into your account.

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Ventra retains backup copies of any information that you delete for a reasonable period of time, however, this information will not be generally available to other users of the Website.

 

All data is retained for at least 7 years.  Daily backup, monthly backup retention for 12 months – for example, the last 30 days will have at least 7 years of data.

 

Information is subject to daily back up copies, and monthly retention for 12 months.

 

You may opt out of any marketing communication by clicking any unsubscribe link.  If you have any issues unsubscribing please contact us at compliance@ventracapital.com.

 

Links

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The Website contains links to other websites. You acknowledge and agree that these Website are not under the control of Ventra and that Ventra is not responsible for the privacy practices of websites linked to our Website.

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When linking to another website, you should read the terms and conditions and privacy statement of that website before disclosing any personal information. This Privacy Policy applies only to information collected by Ventra.    

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Third Party Advertising

 

You acknowledge that third party advertisers present advertisements on the Website and/or set and access cookies on your computer. Ventra does not have access to or control over the cookies that are placed by third party advertisers.

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This Privacy Policy only covers the use of cookies by Ventra and does not govern the use of cookies or other tracking devices by any third party advertisers.

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Changes To This Privacy Policy

 

Your use of Ventra Website and Services, and any dispute arising from it, is subject to this Privacy Policy and our Terms of Use, including all dispute resolution, limitation of liability and governing law provisions.

 

Ventra reserves the right to change this Privacy Policy at any time. Any changes or clarifications to this Privacy Policy will be posted on this page and we will indicate at the top of this page the date this Privacy Policy was last updated. Therefore, you are encouraged to periodically review our Privacy Policy to see if any changes have been made.

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If you object to any changes that are made to this Privacy Policy, you must cease using our Website and/or Services. Continued use or access to our Website or Services after notice of any such changes will constitute your acknowledgment and agreement to be bound by the new or modified terms.

 

Contacting Us

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If you would like to know more about the way we handle personal information, require a copy of this Privacy Policy or have a complaint about a suspected privacy breach or if you have any questions or comments regarding this Privacy Statement, please contact our Data Protection Officer at compliance@ventracapital.com.

 

We will review your query and endeavour to respond within a reasonable time, but no later than 14 business days

 

Ventra Capital Private Pty Ltd (ABN 622 977 799) 

Address: Level 10, 20 Martin Place, Sydney NSW 2000

Phone: +61430382682

Email:       account@ventracapital.com

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If you are still not satisfied with our services then you may contact the Office of the Australian Information Commissioner.  A link to lodging a written complaint is below:
 

https://www.oaic.gov.au/privacy/privacy-complaints/lodge-a-privacy-complaint-with-us

 

You can send your complaint either by:
 

Mail: to GPO Box 5288, Sydney NSW 2001 (send it by registered mail if you’re concerned about sending it by registered mail if you're concerned OAabout sending it by standard post)

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Fax: send it to +61 2 6123 5145.

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