MitchCap Privacy Policy (New Zealand)

This document sets out the policy of Mitchcap NZ Limited (NZCN: 8335021) and our related entities (Mitchcap, we, us) relating to the privacy of personal information (Privacy Policy). It applies to any individuals (you) whose personal information we hold.

1. How this Policy operates

Mitchcap is committed to protecting the privacy of the personal information we hold. We are bound by the Privacy Principles contained in the Privacy Act 2020 (NZ) (Privacy Act).

We may also deal with personal information as a credit provider within the meaning of the Credit Reporting Privacy Code 2020 (NZ) (Credit Reporting Privacy Code).

You accept this Privacy Policy and expressly consent to our collection, use and disclosure of your personal information as described in this Privacy Policy by using our website (which can be accessed via www.mitchcap.com.au) our mobile applications, our products and services or entering into any communications with us.

2. The kinds of Personal Information we collect

The kinds of personal information we collect (as defined in the Privacy Act, being information that identifies or could reasonably identify an individual) may include:

your name, date of birth, age and occupation
your postal address, email address and telephone number
information about your transactions with us
your IP address
insurance, credit card and other banking details
credit eligibility information such as information about your credit history, payments, credit reports, defaults and previous credit applications;
your assets and liabilities; and
your job title & your employer.

3. How we collect your personal information

The circumstances in which we directly collect personal information will vary depending on the nature of the interaction. Some common ways we collect personal information directly from you are:

when you or your employer provides information in the course of business dealings with us
when you visit our office or attend a meeting or conference with us
when we correspond with you by email, telephone, face to face or through our website
when you apply for a position with us
when you participate in a promotion, competition, promotional activity, survey, market research, subscribe to our mailing list or interact or follow our social media pages
as you navigate our website or use a mobile application to interact with us; and
· in the course of trade shows, promotions, displays, site or showroom visits or like events
in a webform or paper based form such as registration forms, competition entries and surveys.

We may also collect your personal information from third parties and public sources including:

your legal representatives and professional advisers
your suppliers, where they supply goods which we are or may be requested to finance
direct marketing database providers
Our business partners, associates and related companies
credit reporting agencies, referees, guarantors and your associated entities
social media; and
phone directories, web pages, membership lists, trade publications and directories, online search engines, professional and trade associations, NZ Companies Office bankruptcy or court registry searches.

4. Using your personal information

We collect your personal information so that we can use it for our reasonable business purposes, provide products and services to you, and for other purposes for which we are required or authorised to use and/or disclose it under law. The uses may include:

providing you or your organization with proposals or quotes
processing orders you or your organization place with us
administering and responding to your enquiry or feedback about our services
carrying out credit checks, verifying your identify, or carrying out any other checks as may be required by law in order for us to provide you or your organization with services
conducting, and allowing you to participate in, a promotion, competition, promotional activity, survey or market research
promoting and marketing current and future services to you, informing you of upcoming events and special promotions and offers
analysing our products and services so as to improve and develop new products and services
compilation and maintenance of contact lists for use by us, our related bodies corporate and business partners and associates
facilitating our internal business operations, including fulfilment of any financial, legal and regulatory requirements
to sell our loan book, which may include our loan to you or your organization
managing and improving the operation or navigation of our websites
to provide the service you or your organization have requested; and
other purposes directly related to our work and for which you have provided consent.

5. Disclosing your personal information

We may use and disclose personal information to third parties for the same purposes as are set out in

paragraph 4 above. Organisations to which we may disclose your personal information include:

as required by law, government bodies such as the Companies Office, the Financial Markets Authority and the police or courts
professional or government organisations
credit reporting bodies including Equifax New Zealand Information Services & Solutions Limited (Equifax)
to third parties who invest in or purchase our loan book
our related bodies corporate, business partners and associates
service providers we use to operate our business such as:
- information technology and platform providers
- finance companies, distributors and equipment suppliers
- marketing and communications agencies
- mailing houses, freight and courier services
- printers & distributors of marketing material; and
- advisers such as accountants, business analysts, recruiters, auditors & lawyers; and
any other third parties as required or authorised by law.

6. Do you have to provide personal information?

You can refuse to provide personal information. A refusal may mean that we are unable to provide the service you or your organization has asked for, for example if we propose to do a credit assessment on you or the organization, and we are unable to complete the credit assessment.

7. Cookies and website use

To improve our services, we sometimes collect de-identified information from web users. Although the information collected does not identify an individual, it does provide us with useful statistics that permits us to analyse and improve our web services.

When you visit our website, a record of your visit is logged and the following data is supplied by your browser:

your IP address and/or domain name

your operating system (type of browser & platform)
the date, time and length of your visit; and
the resources you accessed or downloaded.

We use this information only to customize information for website visitors and to collect aggregated data for the purposes of analysis, quality control, administering and improving the website.

Aggregated data may be shared with third parties. You can stop your browser from accepting new cookies or disable cookies altogether by changing your browser preferences.

8. Direct Marketing

If we hold your personal information, we may use or disclose that information for direct marketing, and

for marketing messages that are “commercial electronic messages” under the Unsolicited Electronic Messages Act 2007 (NZ) we may do so only if:

we collected the information from you or a public source in accordance with this Privacy Policy; and
you have consented to us sending such messages to you; and
in all such messages we have provided you with a simple way to opt out of receiving direct marketing from us; and
you have not made such an opt out request.

Whenever we send you marketing material, we will always inform you how you can opt out of our mailing list. We will implement your request free of charge within a reasonable time.

9. Disclosing your personal information overseas

We may disclose your personal information to third parties operating outside New Zealand who are a related body corporate, or work with us or are a supplier, agent, or partner. Overseas countries to which we currently send information to Australia, or where our remote server is located.

We may also store your personal information on servers based overseas or in the “cloud” or other types of networked or electronic storage.

10. Using and disclosing credit-related information

When we collect information about you, directly or indirectly, in relation to a credit assessment:

we may disclose that information to a credit reporting body (CRB) such as Equifax
the CRB may include the information in reports provided to us and other credit providers, to assist them to assess your credit worthiness
if you fail to meet payment obligations in relation to consumer credit or you commit a serious credit infringement, we may disclose this to the CRB
you may request CRBs not to use their credit reporting information for the purposes of pre-screening of direct marketing by us; and
you may request the CRB not to use or disclose credit reporting information about you, if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.

11. Accessing your personal information

You have the right, upon request, to access any of our records containing your personal information (including pursuant to the specific rights to access this information which you have under the Privacy Act.

12. Help us keep your personal information accurate

We will take reasonable steps to ensure our records of personal information are accurate, up to date and complete. You also have certain rights under the Privacy Act to request correction of the information we hold about you.

13. Resolving your privacy issues

If you have any issues you wish to discuss with us or if you’re concerned about how we have collected or managed your personal information please contact the privacy officer.

For information about privacy or if your concerns are not resolved to your satisfaction, you may contact the Office of the Privacy Commissioner at www.privacy.org.nz and on 0800 803 909.

14. Changes to this privacy policy

We may, from time to time, review and update this privacy policy to take account of new laws and changes to our operations in which case we will publish the updated Privacy Policy on our website at www.mitchcap.com.au. The updated Privacy Policy will also apply to previously provided information.

15. How to access this privacy policy

This Privacy Policy is available on our website. A printed copy of the privacy policy can be obtained free of charge by contacting our Privacy Officer.

Our privacy officer can be contacted as follows, including for any requests for access to, or correction of, your personal information:

Email: [email protected]
Telephone: 02 4258 3620
Post: Level 1, 166 Keira Street, Wollongong NSW 2500

Last Updated: 11 June 2025

Email: [email protected]
Telephone: 02 4258 3620
Post: Level 1, 166 Keira Street, Wollongong NSW 2500

Last Updated: 11 June 2025