Privacy Consent

We will collect, hold, disclose and use your personal and credit information to:

• assess and verify your identity and financial situation;
• assess your credit application or your suitability as a guarantor to a credit application;
• provide such information to a guarantor or related applicant;
• exchange your information with a credit reporting body;
• disclose your information to credit providers as set out in our 'Credit Provider Schedule' to arrange credit;
• disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document;
• disclose your information to an insurer to arrange insurance you wish to obtain;
• obtain from, and disclose to, third parties such as your employer, landlord, real estate agent, lending institution, and guarantor who are deemed as reasonably necessary to arrange finance and/or insurance; and
• refer you to other organisations, service providers, or business partners or obtain referrals from them to you.

We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.

You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:

• where you are the borrower — obtaining information or a report about your commercial activities or commercial credit worthiness for the purpose of assessing your application from any business which provides information about the commercial credit worthiness of persons (this includes a credit reporting body);
• where you are the borrower — giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for the purposes of: assessing your application for credit; notifying a default by you; allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and generally assessing your credit worthiness;
• where you are the borrower — disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and
• where you are the guarantor — obtaining a report about your credit worthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.

You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.

We will disclose or exchange your personal and credit information to the following persons:

• a. potential credit providers and/or insurers as part of our credit assistance process;
• b. third parties to verify the details provided are correct, including with your agents, guardians, attorneys and employers;
• c. our related body corporates, assignees, agents, contractors, and advisers;
• d. law enforcement, government, and regulatory bodies;
• e. any person who refers you to us for credit assistance;
• f. joint applicants and guarantors;
• g. any financial institution to, or from which a payment is made;
• h. debt collection agencies; and
• i. anyone who refers you to us.

We will not disclose your personal and credit information to any overseas recipient.

You have the right to ask:

• that we provide you with the personal and credit information we hold about you;
• that we correct any personal and credit information we hold about you that is shown to be incorrect;
• for copies of our Privacy Policy and this document;
• the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
• the credit reporting body provides you with a copy of information it holds about you.

To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact us on phone number 0450 553 877 or by emailing us at sham@frontline.financial or registered post to 150 George Street Parramatta NSW 2150 Australia.