PRIVACY DISCLOSURE STATEMENT & CONSENT

Overview
Leasewise Australia Pty Ltd, ACN 000 132 436, (‘we’, ‘us’,‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent.

When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

Privacy Disclosure Statement and Consent
We are collecting credit and personal information (information) about you, as applicable:

• To provide you, or a company of which you are a director, with:
  • Commercial credit for business purposes; or
  • Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
• In relation to a guarantee you will provide as a director guarantor.

We require the information we collect from you, or your broker on your behalf, to assess your credit or guarantor application or the credit application of a company of which you are a director, source any required insurances and to manage the finance contract. If you do not provide the information sought we may be unable to process your
application, or the company’s application, or we may be limited in the other services we can offer you or the company.

Your information – Collection and Credit Reporting Body Disclosures
When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to manage any credit contract that results. We may:

• Disclose your information to Equifax, a credit reporting body/bodies (CRB)
• Use information the CRB provides to assist us assess your credit or guarantor application
• Notify the CRB of any overdue payments, provided they are more than 60 days overdue, we have attempted to collect the payment and we have notified you of our intention to do so
• Notify the CRB of a serious credit infringement if we have reasonable grounds to believe your fraudulently obtained, or attempted to obtain, credit from us or that you have shown an intention to evade your obligations under the contract with us
  • We will only do this if we have not been able to contact you over a 6 month period
• Ask the CRB to assess your eligibility to receive direct marketing material from us

The CRB may include your information in reports to other credit providers to assist them in assessing your credit worthiness.

The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.

Your rights
You have the right to ask:

• us to provide you with all the information we hold about you
• us to correct the information we hold if it is incorrect
• us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email)
• the CRB not to use your information for direct marketing assessment purposes, including pre- screening
• the CRB not to use, or disclose, your information if you have reasonable grounds to believe you have, or will be, a fraud victim
• the CRB to provide you with a copy of the information it holds about you

You can gain access to the information we hold about you by contacting our Privacy Officer at the address below by mail, telephone or email. In some cases an administration fee may be charged to cover the cost of providing the information. Our Privacy Policy is available on our website or we will provide you with a copy if you ask us.

You can contact the CRB (Equifax Pty Ltd) on website www.mycreditfile.com.au or by telephone on 13 8332.

You can contact the OAIC (Office of the Australian Information Commissioner) on website www.oaic.gov.au or by phone on 1300 363 992 or by post at GPO Box 5288 Sydney NSW 2001.

Disclosure and Consent
By signing below, you agree we may:

• Use your personal information:
  • To assess your commercial credit and/or guarantee application and/or to assess a credit application by a company of which
    you are a director
  • To manage or better service your, or the company’s, account and any future needs
  • To assist you to manage your debts or the company’s debts or collect any amounts you or the company owes
  • As the law authorises or requires;
• Obtain from, and disclose to, any third party information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assess, arrange, provide or administer your credit application or guarantee and any insurance requirements;
• Provide credit information about you to a guarantor, or prospective guarantor;
• Provide you, or the company of which you are a director, with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
• Disclose your personal and credit information to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or providers, so they can perform those services for us. This includes our overseas service providers; and
• Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.

You also agree that we may, as appropriate:

• Where you are the credit applicant, notify a CRB you, as an individual (not as a director of a company), have applied for credit with us, the amount of the credit required;
• Provide your identification details to the CRB;
• Exchange your credit information with the CRB, any finance provider named in your credit report or in your application and with any broker assisting you with the application;
• Obtain information about your consumer credit or commercial activities, or commercial credit worthiness, where relevant, from a CRB;
• Disclose credit information about you to a third party guarantor, or a prospective guarantor; and
• When you are a prospective guarantor, obtain a credit report about you to assess whether to accept you as a guarantor.

You agree we may notify a credit reporting body, as applicable, that:

• You have applied for credit with us and we are your current credit provider;
• Your loan repayments are overdue by more than 60 days, and collection action has started or any such reported repayments are no longer overdue;
• In our opinion, you have committed a serious credit infringement (e.g. acted fraudulently or shown an intention not to comply with credit obligations)

Where the applicant, or guarantor, is a company of which you are a director, you specifically acknowledge and agree you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.