Privacy Policy

Personal information is information or an opinion about you from which your identity is apparent. Protecting your privacy is fundamental to the way we do business. This policy explains how we collect, store, use and share your personal information, how you can access and correct it, and how to complain.

We deal with your personal information under the Privacy Act and the 13 Australian Privacy Principles. These rules apply to information about individuals, not corporations.

So that we can:

• 1. accept and process your loan application as the law requires;
• 2. deal with you about your application;
• 3. assist in resolving any dispute you have with us;
• 4. tell you about other products or services we offer, or that our commercial partners offer (you can opt out at any time);
• 5. sell your application, with your consent, to licensed lenders; and
• 6. meet our legal obligations.

We will not use your personal information for any other purpose without your consent, unless you would reasonably expect it.

If you do not provide us with your personal information

If you don't give us your personal information, or consent to us collecting it from others, we can't process your application, and we won't be able to pass your application to a lender.

Where we get personal information

• 1. you, in your application or when we communicate with you;
• 2. publicly available information, such as public directories, websites or the electoral roll;
• 3. Credit Sense, our bank-statement provider, if you use it;
• 4. persons or entities you have authorised to give us information;
• 5. your use of our website, with the aid of "cookies"; and
• 6. marketing companies from which we may acquire information so we can offer services to you.

Sensitive information

"Sensitive information" is information about your racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association or trade union, sexual preferences or practices, criminal record, or health or genetic information.

We will not collect, use or disclose sensitive information about you unless you specifically consent and it is necessary for one of the purposes above.

We may disclose your personal information to:

• 1. (a) licensed lenders that buy your application, with your consent. They may contact you about their loans;
• (b) the information that we may exchange with credit providers and alternate service providers (such as credit file repair services, budgeting services and rental services) includes your application information held by Techno Loans, your identification details, what type of loans you have, how much you have borrowed, whether or not you have met your loan payment obligations and if you have committed a serious credit infringement (for example, fraud). We may exchange and sell your customer data to credit providers and alternate service providers who may use the customer data for any of the purposes for which we can use it;
• (c) we may use and exchange your customer data with third parties. Where permitted by law or for any of the purposes mentioned in clause 1 (b), we can exchange your customer data with third parties including: service providers, for example credit providers, lenders, credit file repair services, budgeting services and rental services; the provider of the market for the sale or distribution of your customer data; those to whom Techno Loans or any of the third parties outsources certain functions, for example direct marketing, statement production, debt recovery and information technology support; government and law enforcement agencies or regulators; and credit providers;
• 2. referees you nominate, including your employer (about your employment and income);
• 3. our professional advisers, contractors and service providers (eg IT providers);
• 4. your legal and financial advisers, if you permit;
• 5. government departments or agencies, where the law requires;
• 6. our financiers and insurers;
• 7. our external dispute resolution scheme, AFCA; and
• 8. payment system operators (if any).

Anti-hawking

By agreeing to this Privacy Policy, you understand that a lender may offer you a product based on its own assessment of your application, and it may not be the same type or amount you applied for.

We don't send your information overseas ourselves. Some of our IT providers, and the licensed lenders that buy your application, may store or access it overseas.

We don't access your credit report and we don't give information to credit reporting bodies. A lender that buys your application may. Its privacy policy will explain how.

You can ask what personal information we hold about you. Contact us:

• email: team@swiftloans.com.au
• post: Swift Loans Australia Pty Ltd trading as Techno Loans, PO Box 87, Hawthorn VIC 3122

We may need to verify your identity. We will usually respond within 30 days. If we need longer, we'll write and tell you why. We may charge reasonable costs, as the law allows. If we can't give you access, we'll write and tell you why.

Correction

You can ask us to correct personal information that is inaccurate, incomplete or out of date, using the contact details above. If we agree, we'll make the change and tell you in writing within 7 days. If we don't agree, we'll write and tell you why and what you can do next.

If you think we have mishandled your personal information, contact us first and we'll try to resolve it. If we can't resolve it within 30 days, we'll write and tell you why.

If you are not satisfied, you can complain to:

• Australian Financial Complaints Authority (AFCA): 1800 931 678, info@afca.org.au, GPO Box 3, Melbourne VIC 3001, www.afca.org.au
• Office of the Australian Information Commissioner (OAIC): 1300 363 992, enquiries@oaic.gov.au, www.oaic.gov.au

We have a written Dispute Resolution Policy as part of our Australian Credit Licence. We can give you a copy on request.