Privacy Consents & Electronic Authorisation

Cash Stop Financial Services Pty Ltd (CS), Australian Credit Licence No. 389433

There are 4 SECTIONS included in this form. By indicating your consent to each section in this "Your Privacy & the Provision of Credit" form, you will be indicating that you have carefully read & understood each section separately & have given willing, informed, direct & not implied consent to the contents of each. We invite you to give your consent to all four sections, but we emphasise - you have the right to refuse to consent to any one or more of the various sections. Please read each Section carefully.

SECTION 1 - Privacy Consent Agreement

By consenting to this section you consent to CS/ACFS & entities, as listed, collecting, holding, using & disclosing personal & credit information about you. If you do not provide us with this consent we will be unable to provide you with a loan. For more detail, read the CS/ACFS Privacy Policy available on websites cashstop.com.au or australiancapital.com.au, or request a printed copy.

The Commonwealth Privacy Act 1988, as amended, the Commonwealth Privacy Regulations 2013, & the Credit Reporting Privacy Code 2014 empower & regulate CS/ACFS in accordance with the following.

Use of your Information - Australian Privacy Principle 6 - In accordance with Sections 21G, 21H, 21J&21 M of the Privacy Act, CS/ACFS collects & holds your personal & credit information only for the following purposes: to verify your identity & other information provided; to assess any application you make for funds; to assess your financial circumstances; to help us process your application for funds in an efficient manner; to avoid the chance you may default on your payment obligations; to notify you of a default; to notify other credit providers of a default; to facilitate the collection of overdue payments; & efficiently manage & administer the loans & any services we provide to you.

This information can include any information about your credit worthiness, credit standing, credit history, or credit capacity, that you, other credit providers & credit reporting bodies & their authorised agents are allowed to provide to CS/ACFS under the Privacy Act &/or Credit Reporting Privacy Code. It may also include information provided by referees, relatives, real estate agents & employers listed on your loan application.

By agreeing to this Section, you authorise CS/ACFS to contact your bank, real estate agent, landlord, payroll officer & employer (past & present), plus referees & third parties listed in the credit application/assessment form, to provide any & all permitted relevant information they may have regarding you, including tenancy or employment history & bank account & other financial details.

CS/ACFS may ask you for documents, including one or more of the following: 90 days of bank statements, to date of application; driver's licence; Centrelink income statements; employment payslips; bills & invoices, showing current address & payment information; bank cards; passport; birth certificate; proof of age cards; & the like. This information is only accessed, as required, by CS/ACFS' employees, representatives, professional advisers, contractors & other service providers, to facilitate the above purposes. CS/ACFS will not sell, rent or trade your personal information.

CS/ACFS reasonably assumes that any referral to third parties that you may nominate, in order that CS/ACFS may obtain or verify your personal & other information, will have been with the agreement & knowledge of the third parties involved & that you will have made them aware of the purposes & use of such information, prior to CS/ACFS contacting them.

Information disclosure to credit reporting body - In accordance with Section 21D of the Privacy Act, CS/ACFS has chosen to continue with the lawful negative credit reporting (privacy) regime. By consenting to this section, you specifically agree that the company may provide information to Veda, a credit reporting body. This disclosure will be for the following purposes only: to obtain identity verification information; to obtain a consumer credit report about you, and/or to allow the credit reporting body to create or maintain a credit information file, containing information about you.

Information disclosed to one or more credit reporting bodies - The information disclosed to the credit reporting body is limited to (if applicable): identity particulars - your name, sex, address (and previous two addresses), date of birth, name of employer & driver's licence number; your application for funds - the fact that you have applied for funds & the amount; the fact that CS/ACFS is a current credit provider to you; the fact that your loan has incurred overdue account status; the fact that your loan has incurred default status; & information that, in the reasonable opinion of CS/ACFS, you have committed a serious credit infringement (i.e. you have been fraudulent, or indicated an unwillingness to repay your loan).

Information disclosure to other entities - Under Part 111A of the Privacy Act, CS/ACFS may disclose your personal information to: other credit providers; our external service providers & their agents who provide business services to us, on a confidential basis, only for the purpose of our business; the Australian Financial Complaints Authority (AFCA), to which a complaint relating to a particular service we provide to you can be referred. Telephone 1800 931 678, or info@afca.org.au; & any court or tribunal as may be required by law.

CS/ACFS may sell your personal information for a fee to other credit licencees (either credit providers or credit assistance providers) or lead providers. The credit service providers or lead providers may either provide a service themselves to you or on sell your personal information to others.

Period to which this understanding applies - The information may be collected, or disclosed before, during, or after the term of the contract or the provision of funds.

Information disclosure in the event of a default of your payment obligation - In the event of the creation of an overdue account &/or default of the payment conditions entered into in with CS/ACFS, any information you have provided may be made available to personnel employed by solicitors &/or debt collection agencies authorised by CS/ACFS to assist in the process of recovery of the funds advanced, plus all associated fees & charges (if any) & all relevant legal & reasonable administrative costs incurred.

Access to your personal information - You may access your personal & credit information & request changes where relevant. You can apply to CS/ ACFS to obtain access to your personal information by contacting the Cash Stop Privacy Compliance Manager by email at privacy@cashstop.com.au, fax no. 02 4625 5303, or the ACFS Privacy Compliance Manager by email at privacy@australiancapital.com.au, fax no. 0397317099. There will be a fee of $15 for this access. You can also apply to access the personal information Veda holds about you. They may be contacted on telephone no. 1300 762 207, or at www.mycreditfile.com.au.

Concerns & complaints - If you have any privacy management concerns during the application process &/or loan term, please contact CS/ACFS' Privacy Compliance Manager. You also have a right to ask the relevant credit reporting body not to use your information for pre-screening credit offers &/or not to use your information, if you believe that you have been a victim of fraud.

SECTION 2 - Information Disclosure & Communications Under the SPAM Act 2003

You are informed that Section 16 of the Spam Act provides that CS/ACFS cannot communicate with you via an "electronic message" (email, fax, SMS) without your consent. CS/ACFS prefers to communicate with you using such electronic means.

SECTION 3 - The Electronic Transactions Act 1999

I hereby agree that:

• permission is granted for information to be transferred or sent to me by CS/ACFS, by electronic means including, but not limited to, SMS, email and fax;
• CS/ACFS will rely on the me to keep the nominated address or number up to date and to notify CS/ACFS immediately there is any change;
• at the time of entering this agreement, and thereafter, any information electronically transferred or sent to the me by CS/ACFS, to the electronic address I have provided and as listed in this agreement, will be readily accessible for subsequent reference;
• in any such communication, the signature or identifier used by CS/ACFS will reliably identify CS/ACFS and I will accept this as the signature or identifier of CS/ACFS;
• I will accept scanned paper documents, and documents otherwise formatted, included in any electronic communication transferred or sent at any time after this agreement has commenced, as if they were hard copies; and
• such scanned document or otherwise formatted, if sent by SMS or email and capable of downloading, will be filed electronically on my system and will allow retrieval for later reference or will be printed and kept in storage in hard copy;
• receipt of such electronically transferred communication by way of SMS and email is deemed to be when the message enters the system;
• I will regularly check my system for electronically transferred communications;
• I accept that communications capable of being legally transferred electronically by CS/ACFS, will no longer be sent in hard copy;
• I will inform CS/ACFS of any change to my system capabilities from the time of entering into this agreement, to ensure effective electronic communications between the parties to this contract.

I attest that, prior to signing this agreement, I have been told by CS/ACFS representative that paper documents may no longer be given; and electronic communications must be regularly checked for documents; and consent to the giving of documents, by electronic communications, may be withdrawn at any time by giving 24 hours' business day notice in writing.

SECTION 4 - Information Disclosure Under the Commonwealth Anti-Money Laundering & Counter-Terrorism Financing Act 2006 (AML/CTF Act)

You are informed that, under the AML/CTF Act, there are provisions for the use of credit reporting information to assist in identity verification. By consenting to this section, you attest that CS/ACFS has informed you of the following statutory provisions.

Under Section 35A(1), this can include the electronic provision of your name &/or address &/or date of birth, as you may have provided to us, to a credit reporting body. This information can & frequently has to be provided to credit reporting bodies by CS/ACFS, for a matching process entailing comparison with personal information about you they already have on their files.

If there is no satisfactory match found &/or the level of verification which we must seek, as part of both our AML/CTF responsibilities & our mandatory credit unsuitability/suitability assessment process under the National Consumer Credit Protection Act 2009 & associated Regulations, is not achieved, we must give you the opportunity to verify your identity by alternative means.

In these circumstances, if you choose not to attempt to verify your identity by contacting the credit reporting body yourself, or by alternative means, or your contact with the credit reporting body is unsuccessful, or we determine that the alternative has failed to provide adequate identity verification, we cannot give you a loan. To do so would threaten our Australian Credit Licence.

If we are unable to verify your identity by the above means, the company will inform you, so that you might contact the verification company or credit reporting body to update your information they hold, or you may ask CS/ACFS to attempt to verify your identity by alternate means. Please note that we have to keep a record for 7 years, regarding which credit reporting body we contacted, the personal information we provided & the assessment with which we were supplied.