Privacy Policy

The types of information we collect, hold about you include “Personal Information” which is information that reasonably identifies you and is about you, directly or indirectly and may include your name, date of birth, address, email address, marital status, number of dependants occupation, income details, employer information and any other information we may need to identify you such as your passport, driver's licence or Medicare number. This information may include information or an opinion about you. We also collect credit-related information which includes both credit information and credit eligibility information. "Credit information" is personal information that may have a bearing on your application for credit or credit that has been provided to you. "Credit eligibility information" is information which mainly concerns your credit-related dealings with other credit providers and comprises “credit reporting information" disclosed by a credit reporting body to us. The types of credit-related information we may collect, hold and use includes:

• Your identity;
• The type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid;
• Repayment history information (information about whether you meet your repayments on time);
• Default information (including overdue payments);
• Payment information;
• New arrangement information;
• Details of any serious credit infringements;
• Court proceedings information;
• Personal insolvency information and publicly available information;
• and Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body, and any information that we derive from it.

We collect most of your personal information directly from you on the phone, electronically or via the Cash Clan website. For example, we collect personal information when you enquire about or apply for credit or contact us about a loan. The other main sources for collecting and assessing credit information are from third parties such as,

• Credit reporting bodies
• Entities that assist us to assess credit applications, provide credit or to administer our products
• Financial institutions and credit providers
• Electronic verification services
• From cookies or pixels associated with your browser your browser debt collectors and legal advisors

The main consequences of us not collecting personal or credit-related information are an inability to process your application for credit, assist you when an online application is not completed, answer your questions and resolve your complaints.

We may share your personal information with our affiliates, service providers, and other third parties as necessary to provide and improve our website and services. We may also disclose your personal information as required by law or to protect our legal rights.

We collect personal information from our website cashclan.com.au, through emails and online account application forms. We may also use third parties to analyse traffic at the website, which may involve the use of cookies. Information collected through such analysis is anonymous.

We collect and hold your personal and credit-related information to:

• Assess your application and assist us to determine your eligibility for credit.
• Verify your identity and financial situation.
• Conduct checks required to assess your eligibility for credit.
• Assess whether our credit product is suitable for you.
• Use your credit-related information to assist you during hardship,
• Manage credit provided to you including the collection of overdue payments.
• Manage complaints and disputes, and report to regulatory authorities and dispute resolution bodies.
• Communicate with you, for example, answer your enquiries, requests and complaints.
• Respond to regulatory authorities and dispute resolution bodies.
• Send you our promotional material.
• Identify, prevent, or investigate any actual or suspected fraudulent or unlawful activity.
• Help us improve our products and services and to enhance our overall business.
• Gain insights about you and understand your preferences and interests so that we can personalise your experience and to enhance products and services you are offered and receive.

We may disclose your personal information to third party service providers we contract to perform certain functions on our behalf such as:

• Credit reporting bodies or other approved third parties who are authorised to assess the validity of identification information.
• Credit scoring and debt collection agencies
• Organisations involved in managing our payments, payment merchants and other financial institutions, such as banks.
• A debt recovery agency
• Service providers that assist with fraud detection and prevention.
• Regulatory bodies, government agencies, law enforcement bodies and courts.
• Database providers who collect (sometimes through the use of first-party cookies, third-party cookies or other third-party identifiers), hold, use and disclose information in order to assist with identity verification.

The law requires us to advise you of 'notifiable matters' in relation to how we may use your credit-related information. You may request to have these notifiable matters (and this privacy and credit reporting policy) provided to you in an alternative form. We exchange your credit-related information with credit reporting bodies. Credit reporting bodies include credit-related information in reports to assist credit providers (such as us) assess your creditworthiness, assess your application for finance and manage your finance. If you fail to meet your payment obligations in relation to any finance that we have provided or you have committed a serious credit infringement, then we may disclose this information to a credit reporting body. You have the right to request access to the credit-related information that we hold about you and make a request for us to correct that credit-related information if needed. Please see the heading ‘Access and correction to your personal information’, below. Sometimes your credit-related information will be used by credit reporting bodies for the purposes of 'pre-screening' credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way. You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification, the credit reporting body must not use or disclose that credit-related information. You can contact any of the following credit reporting bodies for more information, including a copy of their credit reporting policy: illion – illion.com.au

We collect government identifiers, such as your tax file number, Medicare number, passport number or driver's licence number. We use government identifiers only as permitted by law, such as to verify your identity when you deal with us. We do not use or disclose this information other than as permitted by the Privacy Act.

We take all reasonable steps to protect your information from misuse and loss, unauthorised access, modification or disclosure. We do this by taking a number of physical, electronic and other security measures,

• Physically, ensuring that access to our premises and computer systems is restricted through locks,
• Electronically, maintaining computer and network security – using firewalls, encryption, identification codes and passwords to control access.
• Constantly monitoring our online security systems
• Taking reasonable steps to ensure access to personal information is only provided to authorised persons only;
• Ensuring third parties we use as our contractors or agents, including those located overseas, meet Cash Clan’s privacy policies and obligations;
• Taking reasonable steps to destroy or de-identify personal information when personal information is no longer required for our business functions. When your data is no longer required we destroy it or de-identify it.

We required to provide you with access to your personal information, for example if the request is considered frivolous or if it relates to existing or anticipated legal proceedings. We will provide an explanation to you if deny you access to the information we hold about you. In the course of our investigations, it may be necessary for us to consult other finance providers or credit reporting bodies to provide a comprehensive response. In certain circumstances we are not required to provide you with access to your personal information, for example if the request is considered frivolous or if it relates to existing or anticipated legal proceedings. We will provide an explanation to you if deny you access to the information we hold about you. When you ask us to correct information we hold we will assess your request and advise whether we agree that a correction should be made. Whether we’re able to correct the information or not, we’ll let you know within 7 business days of our decision. If we refuse to correct the information we will convey our reasons for not correcting the information.

We are committed to providing you with the best possible service, however, we understand there may be times where you are not satisfied. If this occurs, please inform us by phoning 1800 953 479or writing with the exact details of your complaint, so we can work towards a prompt and fair resolution.

If we are unable to resolve the complaint/dispute to your satisfaction within 10 business days, we will write to you, advising the procedures we will follow in investigating and handling your complaint. Within 30 calendar days of the date on which you lodged the complaint with us, we will write to you advising you the result of the investigation and the reason/s for our decision or, if necessary, we will inform you more time is needed to complete the investigation. In cases where your complaint will take longer to resolve, we will update you progressively. Our complaints team will acknowledge receipt of your complaint within one business day. If you are not satisfied with our response or handling of your complaint or you have not heard from us within 30 days you can contact the external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA) The complaint can be lodged with the Australian Financial Complaints Authority (AFCA) which can be contacted via: Phone: 1800 931 678 (free call) Email: info@afca.org.au Website: www.afca.org.au Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. We will acknowledge your complaint within 7 days. We will use our best efforts to provide you with a decision on your complaint within 30 days.

We may change this Privacy Policy from time to time. Any updated versions of this policy will be posted on our website and will be effective from the date of posting. By using our website, you consent to our collection, use, and disclosure of your personal information as described in this Privacy Policy. This Privacy Statement was published on 4 July 2023.

As outlined above, when we check your credit worthiness and at other times, we might exchange information about you with a credit reporting body. The contact details of the credit reporting bodies that we use is shown below. For information on how those Illion manages credit-related information, please see their privacy policies available on their website. Illion(www.illion.com.au) Illion’s credit reporting policy is set out at www.illion.com. au/legal/illion-credit-reporting-policy-australia Phone: 1300 734 806 Email: pac.australia@illion.com.au

For privacy related queries, complaints, compliments or any other requests, Cash Clan customers can contact us: - Over the phone on 1800 953 479from anywhere in Australia - Online at cashclan.com.au