1. Introduction
VLUX Capital (“we,” “our,” or “us”) operates as a financial architecture firm. We are committed to protecting the privacy and integrity of the information you entrust to us. This Privacy Policy outlines how we collect, manage, and safeguard your data as we design and execute lending solutions across your financial ecosystem.
2. Information We Collect
To function as your strategic partner and deliver precise lending pathways (VLUX Foundation, Ventures, and Prime), we collect specific categories of information.
Information you provide to us directly:
Identity Data: Name, contact details (email, phone number), and residential address.
Financial Architecture Data: Details regarding your assets, liabilities, income, expenses, existing portfolio structures, and employment status.
Strategic Intent: Information regarding your immediate objectives and long-term vision (e.g., specific interest in Residential, Commercial, or Asset Finance frameworks).
Documentation: Identification documents (Driver’s License, Passport) and financial proof required for lender submission.
Information collected automatically:
Usage Data: Details on how you interact with our digital presence, including IP address, browser type, and time spent on specific pages.
Cookies: We use technical cookies to ensure our website operates efficiently and to analyze traffic patterns to refine our digital experience.
3. How We Use Your Information
We do not use your data for generic purposes; every piece of information is used to support the structural design of your finance. We use your data to:
Execute Financial Design: Analyze your position to engineer lending solutions that align with your objectives.
Facilitate Strategic Alignment: Match your specific scenario with the appropriate lending partners within our network.
Process Applications: Submit and manage applications with lenders on your behalf, overseeing the process from submission to settlement.
Support Relentless Evolution: Monitor your lending position over time to ensure it remains optimized as your portfolio evolves.
Communication: Respond to inquiries submitted via our "Begin" or contact forms and provide updates on your application status.
Compliance: Adhere to legal obligations, including Know Your Customer (KYC) and responsible lending laws.
4. Disclosure of Information
VLUX Capital operates with integrity. We do not sell your personal information. However, to execute your financial strategy, we must share information with specific third parties:
Lending Partners: Banks, non-bank lenders, and private funders required to assess and approve your finance application.
Aggregators & Platforms: Industry-specific software and platforms used to securely process and submit loan applications.
Professional Service Providers: Third-party vendors who assist in our operations (e.g., secure cloud hosting, CRM systems).
Legal & Regulatory Bodies: When required by law to comply with financial regulations or to protect our legal rights.
5. Data Security
We treat your financial data with the same rigorous attention to detail as we do your lending structure. We implement robust technical and organisational measures to protect your personal information from unauthorized access, alteration, or disclosure. While no digital transmission is entirely impenetrable, we strive to ensure your data is held with the highest standard of security.
6. Your Rights
You retain control over your personal information. You have the right to:
Access: Request a copy of the personal data we hold about you.
Correction: Request that we rectify any inaccurate or incomplete financial or personal information.
Deletion: Request the removal of your data, subject to our legal record-keeping obligations regarding financial transactions.
Opt-Out: Unsubscribe from marketing communications at any time.
7. External Links
Our digital presence may feature links to external parties (e.g., partner networks). We are not responsible for the privacy practices of these external entities and encourage you to review their policies separately.
8. Updates to This Policy
As VLUX Capital evolves, so too may our operational practices. We may update this Privacy Policy to reflect these changes. We encourage you to review this page periodically.
9. Contact Us
If you have questions regarding this policy or how your financial data is managed, please contact us:
VLUX Capital Email: loans@vlux.com.au
Phone: 0404 117 198