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Privacy and Credit Reporting Policy

This Privacy and Credit Reporting Policy outlines how KD Capital (QLD) Pty Ltd (ACN 667 474 517), as Corporate Authorised Representative (No. 001312717) of Brindabella Investment Group Pty Ltd (AFSL 510735), collects, uses, and discloses personal information (including credit-related information) in connection with the operation of the Incrementum Mortgage Fund.

 

Our Commitment to Protect Your Privacy

We are committed to handling your personal information responsibly and in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code 2014. This includes ensuring that personal and credit-related information is collected, used, and disclosed only for lawful purposes.

 

What Personal Information We Collect

We may collect:

  • Full name, date of birth, and contact details

  • Identity verification documents (e.g. driver licence, trust deeds)

  • Financial details for wholesale investor eligibility (e.g. income, assets)

  • Employment and residency details

  • Bank account information

  • Credit-related information (as defined below)

Credit-related information may include:

  • Details of credit arrangements, repayment history, defaults, hardship variations

  • Publicly available court proceedings or insolvency information

  • Information derived from credit reporting bodies (CRBs)

 

Why We Collect This Information

We collect your personal and credit-related information to:

  • Assess your eligibility as a wholesale investor

  • Manage your participation in the Incrementum Mortgage Fund

  • Comply with Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) laws

  • Communicate investment and fund information

  • Meet legal, regulatory, and reporting obligations

  • Provide updates and direct marketing (where permitted)

 

How We Collect Information

We typically collect personal information directly from you. We may also collect information from:

  • Mortgage brokers, advisers, or other referrers

  • Credit reporting bodies

  • Public registers, social media, or identification services

  • Your legal, financial, or tax advisers

 

Disclosing Your Information

We may disclose your personal or credit-related information to:

  • Brindabella Investment Group Pty Ltd

  • Service providers (e.g. IT, accounting, cloud storage, CRM platforms)

  • External compliance, legal and auditing partners

  • Regulatory bodies (e.g. ASIC, AUSTRAC) when required

  • Potential investors, advisers, and fund administrators

  • Any person you authorise, such as your lawyer or accountant

  • Offshore IT or cloud providers (with safeguards)

 

Overseas Disclosure

Your information may be stored or processed using secure cloud-based systems, which may involve offshore data centres. While reasonable steps are taken to ensure data security, overseas jurisdictions may not always offer the same level of protection as Australian law.

 

Credit Reporting

We may exchange credit-related information with credit reporting bodies such as Equifax to:

  • Assess wholesale investor eligibility

  • Verify your identity

  • Confirm your financial standing if you are providing a guarantee or funding application

You may contact Equifax (www.equifax.com.au) to access or correct your credit information or to report suspected identity fraud.

 

Access and Correction

You have the right to access or request correction of the personal or credit-related information we hold about you. We aim to respond within 7 days. Requests may be sent to info@regi.loans.

 

Direct Marketing

We may use your contact details to offer you updates or investment opportunities. You may opt out of direct marketing at any time by contacting info@regi.loans or using the unsubscribe link in email communications.

 

Security and Storage

We maintain physical, technical, and administrative safeguards to protect your personal information from misuse, loss, or unauthorised access. Information may be stored in both paper and electronic formats.

 

Complaints

If you have concerns about how we handle your personal or credit information, please contact us at info@regi.loans. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC) via www.oaic.gov.au or call 1300 363 992.

 

Changes to This Policy

We may update this policy from time to time. The current version is available at www.regi.loans or upon request.

Last updated: 16 May 2025

Disclaimer:

KD Capital (QLD) Pty Ltd (ACN 667 474 517 | AFS Representative No. 001312717) is the fund manager of the Incrementum Mortgage Fund and operates as a corporate authorised representative of Brindabella Investment Group Pty Ltd (ACN 626 692 984 | AFSL 510735).

The content provided on this website is factual in nature and intended solely for wholesale investors as defined under the Corporations Act. It is general information only and does not constitute personal financial advice. The material does not consider your investment objectives, financial situation, or particular needs. Prospective investors should seek independent financial advice before making any investment decisions.

Any examples or images of potential loans or investments shown on this site are illustrative only and may not represent current or available investment opportunities. Past performance should not be relied upon as an indicator of future returns. Forecasts or targeted returns are not guarantees of actual performance.

This website is not a solicitation or offer to buy or sell any financial product or security. It does not constitute a recommendation or statement of opinion intended to influence any investment decision.

Please ensure that you read and understand the relevant disclosure documentation before investing in the Incrementum Mortgage Fund.

KD Capital (QLD) Pty Ltd, as the fund manager, is not a licensed deposit-taking institution under the Banking Act 1959 (Cth) and is not regulated by the Australian Prudential Regulation Authority (APRA). Investments in the Incrementum Mortgage Fund are not bank deposits and carry risks that differ from traditional banking products such as term deposits

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