.	Privacy Policy Introduction We, us and our refer to LoansExplorer (ABN: 67 586 979 926, Australian Credit License 387346) and its related businesses. This privacy policy (Policy) outlines how we collect and use your personal information in accordance with the Privacy Act 1988 (Privacy Act) and the Australian Privacy Principles. We will collect and handle your personal information in accordance with its legal obligations, including those under the Privacy Act and the Australian Privacy Principles contained in the Privacy Act. In addition, where we handle credit information, it will be bound by Division 3 of Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014. This Policy describes how your personal information and, where applicable, credit information is collected, used, disclosed and held by us. Why we collect personal information We will collect and hold your personal information for the purposes of: assessing your application for finance and managing that finance; letting you know about our other products and services; direct marketing; managing our relationship with you; and to comply with any associated legal or regulatory obligations imposed by regulators including those under anti-money laundering and counter-terrorism financing laws or laws relating to comprehensive consumer credit reporting. Information we collect from you We collect information about you and your interactions with us. The type of personal information we may ask you to provide to us includes but is not limited to: personal and contact details such as your name, phone number, residential or postal address, email address and date of birth; documentary evidence to verify your identity such as a certified copy of your driver licence, passport, birth certificate, citizenship and marriage certificates; Australian Governance related identifiers and identity documents such as your Tax File Number and country of tax residency; financial details such as details of your employment, income, assets, financial liabilities; information we need to provide our services to you such as your bank account details; and credit information such as a credit check. See Credit Information below for more information. If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. We do not collect sensitive information (your political or religious beliefs, ethnic background etc.). Information we collect from others We may collect information about you in addition to what you voluntarily provide to us, to comply with relevant laws and regulations. If you apply for credit, we may obtain a credit report from a credit reporting body. We may also collect information about you that has been made available by third parties who are permitted to provide your data Credit Information Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. How personal information is collected? The personal information we collect about you comes primarily from you. We may also collect information about you in addition to what you voluntarily provide to us from you or other sources such as from finance brokers and other third parties such as accountants and lawyers. Wherever there is a legal requirement for us to ask for information about you, we will inform you of the obligation and the consequences of not giving us the requested information. For example, in addition to obtaining personal information from you when you acquire a new product or service from us, we will need to obtain certain documentary evidence from you as to your identity. Such evidence may include items such as a certified copy of your driver’s license, passport or birth certificate. We may also collect your personal information by using electronic verification services or searching publicly available sources of information such as public registers. We will not collect any personal information about you except where you have knowingly provided that information to us or where we believe that you have authorised a third party to provide that information to us. Any information collected from publicly available sources will be protected in the same way as the information you voluntarily disclose. If you provide personal information to us about someone else, you must ensure that you are entitled to disclose that information to us, that the other person has consented to you providing us with the information, and that we can collect, use and disclose that information as set out in this Policy without having to take any further steps required under law (such as obtaining consent directly from that person). This means that if you provide us with personal information about someone else, you must make sure that the individual concerned understands the matters set out in this Policy and has provided their consent to be bound by this Policy. How do we use and disclose your personal information? We only use and hold your personal information: for the purpose of assessing your application for finance and managing that finance; for the purpose of providing you with the financial product you have sought from us; to handle any complaints that you may have; any other purpose permitted under the Privacy Act; any other purpose you have consented to; and any other permitted purpose set out in this Policy such as direct marketing. The types of external organisations which we often disclose your personal information include: any prospective funders or other intermediaries in relation to your finance requirements; other organisations that are involved in managing or administering your finance; associated businesses that may want to market products to you (with your consent only); companies that provide information and infrastructure systems to us; anybody who represents you, such as lawyers and accountants; anyone, where you have provided us consent; where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006. You consent to us disclosing your information to such entities (and allowing such entities to use your personal information to provide their services) without obtaining your consent on a case-by-case basis. We may also disclose your personal information where it is: necessary to provide our products or services to you or undertake operations relating to these products and services (such as to our business partners, suppliers and service providers, professional advisers); to carry out promotions or other activities you have requested or for direct marketing purposes (unless you have opted-out of direct marketing communications); required by law (such as to the Australian Securities and Investments Commission or AUSTRAC); authorised by law (such as where we are obliged to disclose information in the public interest or to protect our interests); required to assist in law enforcement (such as to a police force); any successors in title to our business (including new business partners or owners; and with your consent (expressed or implied), other entities. The above entities may in turn disclose your personal information to other entities as described in their respective privacy policies or notices. Direct marketing From time to time we may use your personal information to provide you with current information 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. If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting us using the information at the end of this Policy. If the direct marketing is by email 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. Ensuring your personal information is up-to-date We rely on the personal information we hold about you to efficiently conduct our business of providing or arranging products and services. For this reason, it is very important that the personal information we collect from you is accurate, complete and up-to-date. During the course of our relationship with you we may ask you to tell us of any changes to your personal information. We also invite you to contact us at any time to update or correct your personal information. Security and storage We will take reasonable steps to protect your personal information from misuse, interference, loss and unauthorised access, modification or disclosure. Personal information is stored in electronic form. We have implemented policies, procedures and systems to keep your personal information secure. In addition, we limit access to the personal information we hold to employees with a legitimate need to use it consistent with the purpose for which the information was collected, for any other matters related to that purpose that you would reasonably expect and other permitted purposes set out in this Policy such as direct marketing. When your personal information is no longer required, we will take reasonable steps to destroy, delete or de-identify your personal information in a secure manner. However, we may sometimes be required by law to retain certain information, for example, under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) or the Archives Act 1983. Access and correction to your personal information You may request access to any of the personal information we hold about you. In most cases, details of the personal information we hold about you is available by contacting us. If the information you seek is not readily available, for example, archived data, then we will endeavour to provide this to you within 30 days of your request. We may be required by law or by good business practice to retain your personal information for a period of time after you have ceased your relationship with us. After the required time has passed we attend to the secure destruction or deletion of your personal information. We are not always required to provide you with access to your personal information upon your request. We may refuse you access to personal information in a number of circumstances, such as where the information may relate to existing or anticipated legal proceedings with you, where denying access is required or authorised by law, or where the request for access is regarded as frivolous or vexatious. If we deny your request for access to, or refuse your request to correct your personal information, we will explain why and will keep a record of your request on our file. If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days. If we refuse to correct personal information we will provide you with our reasons for not correcting the information. Using government identifiers If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you. Collection of sensitive information Personal information concerning particular topics is regarded as sensitive information. Sensitive information includes information about your: racial or ethnic origin; political opinions; membership of a political association; philosophical beliefs; membership of a professional or trade association; membership of a trade union; sexual preferences or practices; criminal record; and health. We generally have very limited need to obtain such information, however if such information is needed then it will only be obtained and/or used with your consent. If, in the course of arranging your application or facilities, such information does come into our possession from a third party, we will seek your consent to collect, store and use this should we consider such use necessary in your application. Our Privacy Policy may change from time to time We constantly review all our policies and procedures to keep up to date with changes in the law, technology and market practice. As a result we may change this Privacy Policy from time to time. This Privacy Policy was last amended in October 2026. Complaints If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer by emailing to info@loansexplorer.com or calling us on (02) 8005-6142 . We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992. Contacting us If you require further information regarding our Privacy Policy, please contact us at the following email address: info@loansexplorer.com. If you are not satisfied with our response after you have been through our internal complaints process, you can contact the Office of the Australian Information Commissioner if your complaint is about your privacy. Should you wish find out more about the privacy legislation or the Australian Privacy Principles, we recommend that you visit the Federal Privacy Commissioner website at www.privacy.gov.au. Office of the Australian Information Commissioner contact details: Email: enquiries@oaic.gov.au Phone: 1300 363 992 Mail: Office of the Australian Information Commissioner GPO Box 5218, Sydney NSW 2001