1. Introduction
Capital Receivables Management ("we", "our", or "us") is committed to protecting the privacy and confidentiality of personal information.
We provide accounts receivable support, invoice management, payment follow-up, and commercial receivables administration services on behalf of businesses. We are not a debt collection agency, do not purchase debts, and do not undertake legal debt recovery services.
This Privacy Policy explains how we collect, use, store, and disclose personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
2. Information We Collect
We may collect personal information including:
Full name
Business name
Contact details (phone number, email address, mailing address)
Position or job title
Invoice and account information
Payment history
Banking information provided for payment purposes
Communications and correspondence relating to invoices or accounts
Information provided when contacting us
We only collect information that is reasonably necessary to provide our services.
3. How We Collect Information
We may collect personal information:
Directly from individuals
From our business clients
Through telephone calls, emails, websites, and online forms
During payment discussions and account enquiries
Through publicly available business records where legally permitted
4. Purpose of Collection
We collect and use personal information to:
Verify identities
Administer accounts receivable services
Communicate regarding outstanding invoices
Facilitate payments
Respond to account enquiries
Maintain business records
Improve our services
Comply with legal and regulatory obligations
We collect only information relevant to the services we provide.
5. How We Use Personal Information
Personal information may be used to:
Contact customers regarding outstanding invoices
Verify account details
Provide account statements and payment information
Investigate account discrepancies
Respond to disputes or enquiries
Communicate with our clients regarding account status
Meet legal and compliance requirements
We do not sell, rent, or trade personal information to third parties.
6. Disclosure of Information
We may disclose information:
To our clients who engage us
To payment service providers
To professional advisers such as accountants, auditors, or legal advisers
To government agencies where required by law
Where disclosure is authorised by the individual concerned
Information is disclosed only when required for legitimate business purposes or legal obligations.
7. Not a Debt Collection Agency
Our business provides administrative accounts receivable management and payment follow-up services.
We do not:
Purchase debts
Commence legal recovery proceedings on behalf of clients
Exercise any enforcement powers
Hold ourselves out as a licensed debt collection agency
All payment communications are conducted respectfully and professionally in accordance with applicable Australian laws and regulations.
8. Data Security
We take reasonable steps to protect personal information from:
Unauthorised access
Misuse
Loss
Interference
Disclosure
Security measures may include:
Password-protected systems
Secure cloud-based storage
Access controls
Data encryption where appropriate
Staff confidentiality obligations
9. Retention of Information
Personal information is retained only for as long as reasonably necessary for business or legal purposes.
When information is no longer required, it will be securely deleted or destroyed in accordance with applicable laws.
10. Access and Correction
Individuals may request access to personal information we hold about them.
Individuals may also request correction of information that is inaccurate, incomplete, or out of date.
Requests can be made using the contact details below.
11. Website Information and Cookies
If our website uses cookies or analytics tools, information may be collected including:
Browser type
Device information
IP address
Website usage activity
This information is used to improve website performance and user experience.
12. Overseas Disclosure
We generally store information in Australia. If information is stored or processed overseas, we will take reasonable steps to ensure that the information is protected in accordance with Australian privacy requirements.
13. Complaints
If you believe we have breached your privacy rights, please contact us first so we can investigate and resolve your concerns.
We will respond to privacy complaints within a reasonable timeframe.
14. Contact Us
[Business Name]
Email: Naqqash.Shah@capitalreceivablesmanagement.com.au
Phone: +61 466 281 450
Address: 89 Medina Avenue, Medina, 6167, Western Australia
Website: www.capitalreceivablesmanagement.com.au
15. Changes to This Policy
We may update this Privacy Policy from time to time.
The latest version will always be available on our website and will take effect from the date of publication.
Last Updated: [10 August 2026]