PRIVACY POLICY

This Privacy Policy applies to the operations of 34 Degrees Pty Ltd within Australia (“we” or “us”), and explains how we manage your personal information. We are committed to safeguarding your privacy and the confidentiality of your personal information. We are bound by the Australian Privacy Principles set out in the Privacy Act 1988 (Cth) (the Act).

Personal information is any information or an opinion about you or which could reasonably be used to identify you. The types of personal information we generally collect may include:

• Your name, address, date of birth, and contact details
• Your financial information
• Your residential information
• Your credit information

We typically collect personal information directly from you. We will obtain your consent to collect sensitive information, unless we are required or permitted by law to collect it without your consent. You may interact with us as:

• A customer or a beneficiary under a consumer credit loan
• A customer of an intermediary or referrer
• A business partner, where we may make personal contact to further promote our services

You have the right to refuse to provide your personal information, although doing so may prevent us from being able to offer you a loan.

We may collect your personal information when you use our online services, complete our documents or forms, or speak to one of our agents. We store your personal information in our secure computer systems and databases. Physical records are kept in secure environments. We may employ our related bodies corporate, agents, and third-party suppliers for data storage services. Any personal information you provide over the internet is held securely.

We collect general statistical information when you visit our websites, using common internet technologies like cookies. We do not collect personal information from cookies or use cookies for marketing purposes. We gather statistics on web pages visited, including time, date, and number of “hits,” browser information, and search requests, but we do not record your personal information when you visit our websites.

You may be able to deal with us anonymously or by using a pseudonym in limited circumstances. Examples include seeking general information about our products or services or indicative pricing. However, in most cases, this will not be possible.

We only collect personal information when it is reasonably necessary for one or more of our functions or activities, such as assessing or issuing consumer credit. We will only use or disclose your personal information in ways you would reasonably expect, including providing and marketing services to you. We will request your consent for any other purpose which you would not reasonably expect. Whenever we contact you for marketing purposes, we will offer the opportunity to be placed on our “no marketing contact” register. You can opt out of our direct marketing programs at any time by contacting us using the details provided in this Privacy Policy.

We, or our authorised agent, may disclose your personal information to:

• Any person authorised by you
• Our service providers in Australia and overseas
• A mail house, records management company, or technology services provider
• An organisation that provides you with banking facilities
• Another credit provider, referrer, financial services provider, or our agent
• A dispute resolution organisation such as The Australian Financial Complaints Authority (AFCA)
• A credit reporting organisation

In some instances, our service providers and related bodies corporate we disclose your personal information to may be located overseas. These countries may include the Philippines, New Zealand, Canada, the UK, the USA, and countries within the European Union. In certain cases, these recipients may be required to disclose it under foreign law. Such disclosure is not a breach of the Act.

We strive to ensure that your personal information is accurate, complete, up-to-date, and relevant. You should check the information we hold about you when you receive a consumer credit contract or general correspondence, or when we speak with you. You may request access to your personal information that we hold at any time, and request us to correct any errors in that information. Generally, no restrictions or charges will apply.

For more information about how we manage your personal information, to request access to or correction of your personal information, or to file a complaint, please contact us. We will make every effort to resolve your complaint or refer you to our independent dispute resolution processes. Please refer to our complaints section for more information.