Breezy Loans Pty Ltd, ABN: 29 627 702 943 ("we"/"us"/"our") endeavour at all times to comply with the Privacy Act 1988 and the Australian Privacy Principles, together referred to in this policy as "Australian Privacy Law."

This General Privacy Policy applies to all persons accessing our website, dealing with us, or from whom we otherwise collect personal information. We also collect personal and credit information provided by persons applying for or receiving credit from us and, in doing so, endeavour to comply with Australian Privacy Law and the Credit Reporting Code.

You are not required to provide your name or personal information if you do not wish to, and you are free to use any name permitted by law. However, we will not deal further with you without obtaining your real name and other verifiable personal information.

By accessing our website or dealing with us, you agree to our collection of personal information. As a result of your website visit, we may collect:

• Domain name and IP address of your computer
• Date and time you accessed the website
• The website from which you linked directly to ours
• Pages accessed during your visit
• Through cookies, anonymous identifiers and session variables — your email address may also be collected

As a result of dealing further with us as a customer, guarantor, contractor, supplier, or job applicant, we may also collect:

• Your name, address, previous addresses and length of residency
• Date of birth
• Employer, previous employers and length of employment
• Email address and telephone numbers
• Details of any references you supply, including names and addresses of referees

For employment applicants, we may additionally collect sensitive information including education and training, work history, professional associations, hobbies and interests, and criminal history.

We may collect personal information about you from your visit to our website through technologies such as anonymous identifiers, session variables, and cookies. You may be able to set your browser to block cookies, though some features of our website may not work as efficiently if you do so.

We may collect personal information directly from you in person, over the telephone, by mail, over the internet, by email or fax, or by completion of an application form — online or otherwise.

We may also collect personal, credit, and sensitive information from other sources when it is impractical or unreasonable to collect directly from you, including from:

• A credit reporting body
• Someone authorised by you — such as an agent, broker, accountant, solicitor, financial counsellor, introducer or guarantor
• A referee, employer, government body, or another financial institution
• A professional or trade association or trade union

We use our best endeavours and take all reasonable steps to secure your personal information, including:

• Maintaining a secure environment for storing information — whether in hard copy or electronic form
• Restricting access to authorised personnel only
• Using encryption and password protection for electronically held information

We are not responsible for the security of any computer or device you use to access our website.

We collect, hold, use and disclose your personal information only for purposes that are permitted by Australian Privacy Law, including:

• Administration of any contract for supply of goods or services to or by us
• Provision of our loan products to customers
• Assessment and processing of credit and job applications
• Administration and management of our business and improvement of our website
• Compliance with legal obligations and investigation of complaints
• Direct marketing communications from us or trusted third parties — you may opt out at any time by contacting us
• Any prospective sale, transfer or restructure of our business

We supply your personal information to overseas recipients as part of our information technology systems. Those recipients are likely to be located in:

• The United States of America
• New Zealand

You may request access to your personal, sensitive and credit information held by us by identifying yourself and sending your request to our Privacy Officer:

If we are unable to grant access to information, we will provide our reasons in writing within a reasonable time. Reasons may include where providing the information would reveal personal information about another individual, pose a threat to health or safety, is not permitted by law, or would reveal commercially sensitive internal information.

If you believe any personal information we hold about you is incorrect, please contact us by telephone, email or in person, identify yourself, and advise us what information is incorrect and how you want it changed.

If we cannot agree to the requested change, we will provide our reasons in writing within 14 days.

If you have a complaint about how we collect, hold, use or disclose your personal information, please contact our Privacy Officer. We will follow our Privacy Internal Dispute Resolution process and respond within 14 days.

If you are not satisfied with our internal process, you may refer your complaint to:

From time to time we may make changes to this General Privacy Policy due to changes in the law, changes in technology, or changes to our systems. We will notify such changes on our website. Where changes may affect you in a particular way and you have a credit contract with us, we will notify you as required by Australian Privacy Law.

Breezy Loans Pty Ltd endeavours at all times to comply with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Code, together referred to as "Australian Privacy Law."

This Credit Information Privacy Policy applies to you if you apply for one of our credit products, receive credit from us, or we otherwise hold credit information about you.

In addition to the information collected under our General Privacy Policy, if you apply for credit we may collect:

• Identification information
• Financial information — income from all sources, employment status, assets, expenses, debts, and at least 90 days of bank statements
• Consumer credit liability information — details of existing credit accounts including type, opening/closing dates, credit limits, and terms
• Credit application information — type of credit sought and amount
• Default information — overdue payments of more than 60 days after appropriate notice
• Court proceedings information — any Australian court judgment made against you in relation to credit
• Personal insolvency information — records from the National Personal Insolvency Index
• Serious credit infringement information — relating to fraud, evasion of payments, or loss of contact

We collect credit information in the same ways described in our General Privacy Policy, and additionally collect it directly from you through your credit application and from credit reporting bodies.

We hold and keep secure your credit information in the same ways as all personal information as described in our General Privacy Policy.

In order to obtain credit information from credit reporting bodies, we may be required to disclose to them certain credit information we hold. Those bodies may include that information in reports provided to other credit providers.

The credit reporting bodies we may disclose to are:

In addition to the purposes described in our General Privacy Policy, we collect, hold, use and disclose your credit information to:

• Assess your credit application and that of any proposed guarantors
• Manage your credit contract
• Consider any application for hardship variation of payments
• Collect any debt or enforce rights arising under your credit contract
• Assist you if we consider you may be at risk of default
• Participate in the credit reporting system
• Identify you as required under Anti-Money Laundering/Counter-Terrorism Financing legislation
• Deal with complaints through our Internal or External Dispute Resolution processes

We may supply your credit information to overseas recipients (such as those in the United States of America) as part of our information technology systems. We shall not provide credit information or credit worthiness/eligibility information to overseas entities except as permitted by Australian Privacy Law.

You may access your credit information held by us in the same way as described in our General Privacy Policy. There is no charge to make a request for access, but we may apply an administration fee for providing that access.

We cannot give you access to credit information held about you by any credit reporting body. Please refer to the privacy policy of the relevant credit reporting body.

You may apply to correct the credit information we hold about you in the same way as described in our General Privacy Policy. We will respond and/or provide reasons within 7 business days and make our decision no later than 30 days after receiving your request.

If we have supplied credit information which we have agreed to correct to a credit reporting body, we will notify that body within 7 business days of making that decision.

If you are not satisfied with how we have dealt with your credit information, please contact our Privacy Officer as described in our General Privacy Policy. If unsatisfied with our Internal Dispute Resolution process, you may refer your complaint to our External Dispute Resolution scheme (AFCA) or the Office of the Australian Information Commissioner as described above.

We may change this Credit Information Privacy Policy for the same reasons, and in the same manner, as described in our General Privacy Policy above.