Money 3 - Privacy Consent

PRIVACY CONSENT

By signing that you give consent under this Privacy Consent, you consent to us and our Related Bodies Corporate collecting, using, holding and disclosing personal and credit information about you. You can find out more about how we deal with your privacy by viewing our Privacy Policy at www.money3.com.au/privacy-policy

If you do not provide us with this consent or provide us with your personal information, we may not be able to arrange finance for you or provide other services.

We may require you to provide personal information about other third parties (e.g. your spouse, a joint account holder or dependents). By signing this Privacy Consent, you confirm that you have obtained the necessary consents from that third party to disclose such information to us and have informed that third party of the purpose for disclosure. You confirm that you have also informed any third party whose personal information you have disclosed to us about our Privacy Policy and how that third party may obtain a copy of it.

"We/Us" means Money3 Loans Pty Ltd, ACN 108979406 (trading as "Money3 Loans"), Australian Credit Licence 000389067 and its Related Bodies Corporate (together Money3).

PURPOSES OF COLLECTING INFORMATION

Money3 may collect, use, hold and disclose your personal and credit information about you (or a guarantor) for the purposes of:

• assessing the application for finance and the guarantee and any related insurance proposal;
• arranging and managing the finance, insurance and other services that are provided to you, including future drawdowns or product offerings;
• managing that finance including direct debiting and collections;
• conducting audits, credit analysis, research, risk management and portfolio analysis;
• developing new products and services;
• complying with applicable laws both in Australia and overseas, including (without limitation) the:
  1. National Consumer Credit Protection Act 2009 (Cth); and
  2. Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act);
• direct marketing of products and services by us;
• managing our relationship with you;
• improving our level of service including responding to inquiries and complaints;
• developing our expertise and know-how; and
• training and quality assurance.

You acknowledge that:

• if you do not provide this information or consent to its collection, use and disclosure, Money3 may not be able to process the application for finance;
• if you provide this information to Money3, the Credit Reporting Information held by a Credit Reporting Body will be updated using this information and your information may be disclosed or exchanged with other credit providers and other parties; and
• Money3 is required to collect certain personal information about you under the AML/CTF Act.

EXCHANGING PERSONAL INFORMATION WITH CREDIT REPORTING BODIES

Money3 may disclose your personal information to Credit Reporting Bodies to obtain additional personal information about you. These may include the following Credit Reporting Bodies (without limitation):

• Equifax Pty Ltd: equifax.com.au;
• Illion Pty Ltd: illion.com.au;
• Experian: experian.com.au;
• Equifax Verification Exchange: for further information, please see the Verification Exchange Collection Statement at https://www.equifax.com.au/ve-collection-statement.

Where you are applying for credit (whether commercial or consumer credit), you consent to Money3 obtaining from a Credit Reporting Body your Credit Reporting Information or information about your credit worthiness for the purposes of assessing your application or collecting payments that are overdue in relation to any credit provided by Money3.

Where you are applying to be guarantor in relation to credit we provide to another person (the Credit Applicant), you consent to Money3 obtaining from a Credit Reporting Body your Credit Reporting Information or information about your commercial and consumer credit worthiness for the purpose of assessing whether to accept you as guarantor.

When you apply for credit with us, we may collect personal information about you, including information that we are likely to disclose to a Credit Reporting Body. In compliance with the Privacy Act 1988 (Cth) (Privacy Act) and the Privacy (Credit Reporting) Code 2024, we notify you of the following:

• if we make an information request to a Credit Reporting Body regarding your creditworthiness:
  1. your consent is not required for this disclosure;
  2. a record of the information request may be used by the Credit Reporting Body or other credit providers to assess your creditworthiness, including in calculating a credit score or credit rating; and
  3. such an information request may have an impact on your credit score or credit rating, which is determined by the Credit Reporting Body;
• the Credit Reporting Body may include the information we provide in reports that assist other credit providers in assessing your creditworthiness;
• if you fail to meet your payment obligations concerning consumer credit or commit a serious credit infringement, we may be entitled to disclose this information to a Credit Reporting Body;
• you may obtain copies of:
  1. our policy on the management of credit-related personal information, available www.money3.com.au/privacy-policy; and
  2. the Credit Reporting Body's policy on the management of credit-related personal information, which is available directly from the Credit Reporting Body;
• you have the right to:
  1. access the credit-related information we hold about you;
  2. request corrections to any incorrect credit-related information; and
  3. make a complaint to us if you believe we have mismanaged your credit-related personal information;
• you can also request that the Credit Reporting Body:
  1. does not use your Credit Reporting Information for pre-screening of direct marketing by credit providers; and
  2. does not use or disclose your Credit Reporting Information if you believe you are or are likely to be a victim of fraud.

EXCHANGING PERSONAL INFORMATION WITH OTHER CREDIT PROVIDERS

You consent to Money3 disclosing Credit Eligibility Information about you to another credit provider for the purposes of:

• notifying a default by you;
• allowing another credit provider to ascertain the status of your finance arrangements with Money3 where you are in default with one or more other credit providers; and
• where you are applying to be guarantor, assessing whether to accept you as guarantor for a Credit Applicant.

You consent to Money3 obtaining and using personal information about you from another credit provider for the purposes of:

• Money3 assessing your application for credit;
• Money3 generally assessing your credit worthiness, credit standing, credit history or credit capacity, the status of the finance and any default by you; and
• where you are applying to be guarantor, Money3 assessing whether to accept you as guarantor for a Credit Applicant.

EXCHANGING PERSONAL INFORMATION WITH OTHER PARTIES

We may be required to share your personal and credit information with the following types of entities, some of which may be located overseas (including New Zealand and the Philippines):

• Finance brokers, mortgage managers, and persons who assist us to provide our products to you;
• Financial consultants, accountants, lawyers and advisers;
• Mortgage insurers;
• Any industry body, tribunal, court or otherwise in connection with any complaint regarding the approval or management of your loan;
• Third parties, including but not limited to its subsidiaries;
• Businesses assisting us with funding for loans;
• Trade insurers;
• Any person, where you have provided your consent;
• Any person who proposes to guarantee or has guaranteed repayment of any credit provided to you;
• Any person where we are required by law to do so;
• Any of our associates, related entities or contractors, including but not limited to:
  1. Go Car Finance Limited (a Related Body Corporate based in New Zealand);
  2. Automotive Financial Services Pty Limited;
  3. Bennji Pty Ltd;
  4. Solvar Limited;
• Your referees, such as your employer, or listed contacts to verify information you have provided;
• Any person considering acquiring an interest in our business or assets; or
• Any organisation providing online verification of your identity, employment or income.

You consent to Money3

• disclosing your personal information to, and collecting personal information about you from:
  1. the sources disclosed in your application for finance (such as referees, your past and present employers, your past and present landlords, your next of kin, and any person acting on your behalf such as your car or finance broker); and
  2. any guarantor or proposed guarantor of the application for finance;
• disclosing your personal information to, and collecting personal information about you from, Related Bodies Corporate, referrers, suppliers of goods, insurance product providers Money3's agents, contractors and external advisers, mercantile agents, collection agencies, funders, trustees and related service providers that assist in the processing of your application and the management of your credit for the purposes set out above;
• disclosing your personal information to and collecting personal information from government authorities (e.g. tax authorities in Australia and overseas) in connection with their lawful information requests or to meet legal obligations in any relevant jurisdiction;
• disclosing your personal information to, and collecting personal information about you from, public sources for the purposes set out above;
• disclosing Credit Eligibility Information about you where Money3 has provided credit to you or you have applied to Money3 for credit and the disclosure is to a person for the purpose of that person considering whether to offer to act as guarantor in relation to the credit or to offer property as security for the credit and that person has an Australian link;
• disclosing Credit Eligibility Information about you where the disclosure is to a person who is a guarantor in relation to credit provided by Money3 to you or the person has provided property as security for the credit and that person has an Australian link;
• disclosing your personal information (other than Credit Eligibility Information) to an overseas recipient, located in New Zealand or the Philippines. You giving this consent means that we do not need to take such steps to ensure that recipient does not breach the Australian Privacy Principles and if that overseas recipient handles the information in breach of the Australian Privacy Principles, we will not be accountable for that breach and you will not be able to seek redress under the Privacy Act. You also acknowledge that even where you do not provide us with your consent to this, we may still disclose personal information about you to the overseas recipient. In those circumstances, we will do so in accordance with our obligations under the Privacy Act. By signing this form below, you consent to this disclosure of your personal information to overseas recipients;
• collecting information about you including your Health Information (please see our Privacy Policy) or information about your citizenship or country of birth, membership of a professional or trade association, membership of a trade union, criminal record or information about you where you are a politically exposed person under the AML/CTF Act and using or disclosing that information as necessary where you have applied for a product that requires that information; and
• disclosing your personal information to the issuer of the identification document (the Official Record Holder) via the use of third-party systems to have your identity information verified.

ANTI-MONEY LAUNDERING AND COUNTER-TERRORISM FINANCING

You acknowledge that in order for Money3 to verify your identity for the purposes of the AML/CTF Act in connection with this application:

• Money3 may disclose any or all of the following Personal Information to a Credit Reporting Body:
  1. your name;
  2. your residential address; and
  3. your date of birth;
• Money3 may request a Credit Reporting Body to provide an assessment of whether the Personal Information disclosed matches (in whole or part) Personal Information contained in Credit Reporting Information about you in the possession or control of the Credit Reporting Body (the Assessment);
• the Credit Reporting Body may prepare and provide to Money3 the Assessment and may use the Personal Information about you and the names, residential addresses and dates of birth contained in Credit Reporting Information of other individuals, for the purpose of preparing the Assessment; and
• you consent to Money3 making the above request to a Credit Reporting Body and the disclosure of your Personal Information.

Notwithstanding the terms of any consent given in this Privacy Consent, nothing in this Privacy Consent permits Money3 to use or disclose Credit Eligibility Information other than in accordance with the requirements of the Privacy Act.

MARKETING

You agree that Money3 may disclose your personal information to its Related Bodies Corporate and that Money3 and the Related Bodies Corporate may use and disclose this personal information for product development and research and to inform you about products and services in the future, including for direct marketing by Money3 and Related Bodies Corporate or by other organisations.

From time to time we may use your personal information to provide you with current information via SMS or other marketing channels about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.

Money3 and its Related Bodies Corporate will not send you information about products and services if you so request by contacting Money3 through the contact details set out below. If you choose not to opt out now, you can always do so later using the same contact details. If the direct marketing is by email or text, you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

By using the unsubscribe function in a direct marketing communication, you will only unsubscribe from that entity or brand who sent you that communication and to that method of delivery. Please let us know if you would like to unsubscribe from Money3 or any of its related entities. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

PRIVACY POLICY

You understand that you may obtain a copy of Money3's Privacy Policy by calling 1300 014 870 or by visiting Money3's website at www.money3.com.au.

You undertake to have informed any third party whose personal information you have disclosed to Money3 about the Money3 Privacy Policy and how that third party may obtain a copy of it.

Money3's Privacy Policy sets out how it manages personal information, Credit Information and Credit Eligibility Information. It contains information on how you may:

• access personal information or Credit Eligibility Information about you that is held by Money3 and request the correction of personal information, Credit Eligibility Information and Credit Information that Money3 holds about you; and
• make a complaint about a breach of the Australian Privacy Principles, Division 3 of Part IIIA of the Privacy Act or the Privacy (Credit Reporting) Code 2024 with respect to personal information, Credit Information or Credit Eligibility Information and how Money3 will deal with your complaint.

You understand that each website contains a statement (set out in Money3's Privacy Policy) about credit reporting, including information about the Credit Reporting Bodies to which Money3 may provide your personal information and that they may include your personal information in reports they provide to other credit providers and how:

• you may obtain a copy of the policies about the management of credit-related personal information of the Credit Reporting Bodies or Money3;
• if you fail to meet your payment obligations or commit a serious credit infringement, Money3 may be entitled to disclose this to the Credit Reporting Body; and
• you have a right to request Credit Reporting Bodies not to use your Credit Reporting Information for the purposes of pre-screening of direct marketing and to not use or disclose such information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.

You can request to have this statement available in an alternative form, such as hard copy.

ELECTRONIC COMMUNICATIONS CONSENT

You consent to Money3 giving information to you by way of electronic communication. You nominate and authorise Money3 to act on instructions sent electronically by you. You understand that this consent and authority will apply to all communications permitted to take place electronically by law, including but not limited to:

• notices and disclosure documents about your credit application such as a Credit Guide or a copy of your assessment;
• financial services disclosures such as a Financial Services Guide;
• credit contract documents or variations to the credit contract; and
• notices from Money3 to you.

You understand that Money3 will rely on this consent to communicate with you by:

• electronic mail (email) to the email address(es) noted above;
• in the case of notices or documents required under the National Consumer Credit Protection Act 2009 (Cth) (including the National Credit Code), by making the notice or other document available for a reasonable period on Money3's information system for retrieval by you and promptly notifying you by electronic communication that the notice or other document is available for retrieval on the system and the nature of the notice or other document;
• in the case of notices or documents required under Chapter 7 of the Corporations Act 2001 (Cth), making a notice available for you to access on Money3's website, subject to also sending you an email with a hyperlink to the disclosure or a written (paper or electronic) notice with a reference to the website address where the disclosure can be found; and
• any other method of electronic communication permitted by law.

By giving this consent, you acknowledge Money3 may no longer send you notices or other documents in paper form.

You undertake to:

• check electronic communications, including your emails, regularly for notices and other communication from Money3;
• ensure your email address remains current (or as otherwise notified to Money3) and
• ensure emails from Money3 are not blocked.

You understand Money3 relies on you to keep your nominated email or physical (street) address details up to date and to notify Money3 when they change.

You understand that the provision of electronic documents does not alter your obligations under any terms and conditions of any credit contract you have with Money3 and that you should print and save a copy of any notice or other document provided to you electronically. You confirm that you are responsible for ensuring that you maintain the appropriate software and hardware, including printer, to be able to access, view, retrieve, print and save a copy of any documents provided to you by electronic communications.

You understand that your consent to the giving of documents by electronic communication may be withdrawn at any time. You can return to receiving paper notices and other documents, delivered by post to your nominated street address, by notifying Money3 in writing withdrawing this Electronic Communications Consent.

HOW TO CONTACT US

In accordance with the Privacy Act, requests for access to and correction of personal information can be made using the contact details below:

DEFINITIONS

For the purposes of this Consent:

Credit Reporting Information about an individual means Credit Information, or CRB Derived Information, about the individual.

Credit Eligibility Information about an individual means:

1. Credit Reporting Information about the individual that was disclosed to a credit provider by a Credit Reporting Body; or
2. CP Derived Information about the individual.

CP Derived Information means any personal information about you:

1. that is derived from Credit Information or CRB Derived Information about you that was disclosed to a credit provider by a Credit Reporting Body;
2. that has any bearing on your credit worthiness; and
3. that is used, has been used or could be used in establishing your eligibility for consumer credit.

Credit Reporting Body means an organisation or an agency prescribed under the Privacy Act that carries on a business or undertaking that involves collecting, holding, using or disclosing personal information about individuals for the purposes of, or for purposes including the purpose of, providing an entity with information about the credit worthiness of an individual.

CRB Derived Information about an individual means any personal information about an individual:

1. that is derived by a Credit Reporting Body from Credit Information about an individual that is held by the Credit Reporting Body;
2. that has any bearing on that individual's credit worthiness; and
3. that is used, has been used or could be used in establishing that individual's eligibility for consumer credit.

Credit Information about an individual is personal information that is:

1. identification information;
2. consumer credit liability information;
3. repayment history information;
4. a statement that an information request has been made by a credit provider, mortgage insurer or trade insurer;
5. the type and amount of credit sought in an application made by the individual to a credit provider in connection with which the provider has made an information request;
6. default information;
7. payment information;
8. new arrangement information;
9. court proceedings information;
10. personal insolvency information;
11. publicly available information that relates to the individual's activities in Australia or the external Territories and the individual's credit worthiness, other than court proceedings information or information recorded on the National Personal Insolvency Index; or
12. the opinion of a credit provider that the individual has committed a serious credit infringement in relation to consumer credit provided by the provider to the individual.

Health Information means:

1. information or an opinion about the health or a disability (at any time) of an individual, an individual's expressed wishes about the future provision of health services, or a health service provided or to be provided to an individual, that is also personal information;
2. other personal information collected to provide, or in providing, a health service;
3. other personal information collected in connection with the donation, or intended donation, of body parts, organs or body substances; or
4. genetic information in a form that is, or could be, predictive of the health of the individual or a genetic relative.

Official Record Holder means the Australian Federal Government and different state government agencies which issue legal identity documents or hold the Verification Information.

Personal Information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether recorded in a material form or not, and includes "sensitive information" as that term is defined in the Privacy Act.

Related Body Corporate has the same meaning as defined in the Corporations Act 2001 (Cth).

DECLARATION

I hereby declare that:

1. I have read and understood this Privacy Consent and agree to Money3 and its Related Bodies Corporate collecting, using and disclosing personal information about me in accordance with the provisions of this Consent.
2. I have read and agree to the Money3 Privacy Policy.
3. I have given my consent to receive electronic communications from Money3.
4. This is an application only and that Money3 is not obliged to give me credit.
5. Money3 may undertake further responsible lending enquiries in relation to my application for credit.
6. I am aware that if I am known by any other name(s) not listed on this application form, I will need to inform Money3 as part of my application.
7. I will provide all necessary information as requested for identification and verification.
8. All information contained in this application is true and correct.
9. I authorise my employer or accountant to disclose any salary, employment or financial details to Money3.

To assist in the assessment of this application:

1. I acknowledge that Money3 may need to verify details of my employment with my employer or verify my financial details with my accountant, and agree that Money3 may provide a copy of this Privacy Consent to my employer or accountant if they ask for details of Money3's authority to obtain that information.
2. I consent to Money3's service provider, Equifax Verification Exchange, collecting, using and disclosing my personal information as my intermediary in accordance with its Verification Exchange Collection Statement, including:
   1. disclosing to my employers (or payroll or other service providers who might act on behalf of my employers) to identify me; and
   2. collecting and using my employment income, history and related information from such parties to allow Money3’s verification of those matters.

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