Credit Guide & Privacy Statement

1. About this Credit Guide

AQUABLIVIS FINANCE PTY LTD is a licensed provider of credit assistance under the National Consumer Credit Protection Act 2009 (Cth) (“NCCP Act”).

This Credit Guide provides important information about who we are, the credit assistance services we provide, fees and charges that may apply, commissions that we may receive or pay, and our internal and external dispute resolution procedures.

In this Credit Guide, “we”, “us”, “our” and “AQUABLIVIS” refer to AQUABLIVIS FINANCE PTY LTD (ACN 701 235 127).

You should read this Credit Guide carefully before proceeding with our credit assistance services. If you have any questions about this Credit Guide, please contact us using the details below.

2. Key Information

3. Our Commitment to You

We are committed to providing professional and responsible credit assistance and helping you identify credit products that may be appropriate for your circumstances.

We will seek to understand your financial situation, requirements and objectives and, where we are authorised to do so, assess available loan options that may be suitable for you.

Our services are provided in accordance with applicable Australian credit legislation, regulatory requirements and our responsible lending obligations.

4. Services We Provide

We are authorised to provide credit assistance under the National Consumer Credit Protection Act 2009 (Cth), subject to the scope of our Australian Credit Licence and applicable laws.

Our services may include assisting you to:

• understand available credit and loan options;
• identify loan products that may meet your requirements and objectives;
• prepare and submit a loan application;
• communicate with lenders, funders and other relevant parties;
• provide information and documentation required for a credit application; and
• progress your application through to settlement, where applicable.

The specific services available to you will depend on your circumstances and the nature of your enquiry or application.

5. What is Credit Assistance?

We provide credit assistance to you when we:

• assist you to apply for a particular credit contract or loan;
• suggest or recommend that you apply for a particular credit contract or loan;
• suggest or recommend that you apply for an increase to an existing credit contract; or
• suggest or recommend that you remain in your existing credit contract.

6. Assessment of Your Requirements and Objectives

Before providing credit assistance, we are required to make reasonable inquiries about your financial situation, requirements and objectives and, where applicable, take reasonable steps to verify your financial situation.

We will assess whether the proposed credit contract is not unsuitable for you.

Generally, a credit contract may be unsuitable if:

• you would be unable to meet your financial obligations under the proposed credit contract, or could only do so with substantial hardship; or
• the credit contract does not meet your requirements and objectives.

We will not provide credit assistance where our assessment determines that the proposed credit product is unsuitable for you.

7. Copies of Our Assessment

Where we provide you with credit assistance, you may request a copy of our assessment.

You may request a copy of the assessment at any time up to 7 years after the date on which we provide you with credit assistance.

Where applicable, we will provide a copy of the assessment:

• within 7 business days after receiving your request where the request is made within 2 years of the date of the relevant credit assistance; or
• otherwise, within 21 business days after receiving your request.

You may contact us using the details provided in this Credit Guide to request a copy.

8. Fees Payable by You

We may charge fees for providing credit assistance.

If a fee is payable by you, the amount and basis on which the fee is calculated will be disclosed to you before the relevant credit assistance is provided, including in the applicable credit quote or other required disclosure document.

You may contact us if you would like further information about how any applicable fee has been calculated.

9. Other Fees and Charges

In addition to any fees payable to us, you may be required to pay fees or charges to a lender, funder or other service provider.

These may include, depending on the loan and transaction:

• application fees;
• valuation fees;
• settlement fees;
• lender fees;
• legal or documentation fees;
• government charges; and
• other fees and charges associated with the relevant loan or transaction.

You should carefully review the relevant loan documents, lender disclosure documents and credit contract for details of applicable fees and charges.

10. Commissions and Other Benefits We May Receive

We may receive commissions or other benefits from lenders, funders or credit providers where a loan settles following credit assistance provided by us.

The amount and structure of commissions may vary depending on the lender, loan product and amount of credit provided.

Any applicable commission arrangements will be disclosed to you in the relevant credit proposal disclosure document or other disclosure required by law.

You may ask us for information about:

• the types of commissions or benefits we may receive;
• how those commissions or benefits are calculated; and
• a reasonable estimate of the amount we are likely to receive in relation to your loan.

Any commission received by us is generally paid by the relevant credit provider and is not directly payable by you.

11. Commissions or Fees We May Pay

Where a third party introduces or refers you to us, we may pay that party a fee, commission or other benefit for the referral.

Depending on the circumstances, this may include payments to:

• authorised representatives;
• mortgage or finance brokers;
• real estate agents;
• accountants;
• legal professionals;
• financial advisers or planners; and
• other approved referral partners.

Any relevant payments will be disclosed where required by law.

These payments are not directly payable by you. You may ask us for further information about the nature and calculation of any such payment.

12. Internal Dispute Resolution

We are committed to resolving complaints fairly, efficiently and as quickly as reasonably possible.

If you have a complaint about our services, please contact our Complaints Officer using the details below:

You may make your complaint verbally or in writing. To assist us in resolving your complaint, please provide as much relevant information as possible, including details of the issue and any supporting documentation.

We will acknowledge and handle your complaint in accordance with our internal dispute resolution procedures and applicable regulatory requirements.

13. External Dispute Resolution

If we are unable to resolve your complaint to your satisfaction through our internal dispute resolution process, you may be entitled to refer the matter to the Australian Financial Complaints Authority (AFCA).

AFCA provides an independent and generally free dispute resolution service for eligible financial complaints.

Further information about AFCA, including its jurisdiction and eligibility requirements, is available at www.afca.org.au.

14. About Our Privacy Statement

AQUABLIVIS FINANCE PTY LTD needs to collect personal information about you in order to provide credit assistance and conduct our business.

This Privacy Statement explains how we collect, use, hold and disclose your personal information in connection with our credit assistance services.

Our handling of personal information is subject to applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles, to the extent they apply to us.

In this Privacy Statement, “we”, “us”, “our” and “AQUABLIVIS” refer to AQUABLIVIS FINANCE PTY LTD (ACN 701 235 127).

15. Our Details

16. How We Collect Your Information

Where reasonably practicable, we will collect personal information directly from you.

For example, we may collect information when you:

• contact us;
• make a loan or finance enquiry;
• complete an application or other form;
• provide supporting documents;
• communicate with us by telephone, email or online;
• provide information during the credit assessment process; or
• otherwise interact with us in connection with our services.

We may also collect information from other sources where permitted or required by law.

17. Information Collected from Other Sources

Depending on the circumstances, we may collect personal information from third parties where reasonably necessary to provide our services.

These sources may include:

• lenders and credit providers;
• mortgage managers and funders;
• credit reporting bodies;
• identity verification providers;
• valuers;
• your employer;
• accountants, lawyers and other professional advisers;
• real estate agents;
• government or regulatory bodies;
• public registers and publicly available information; and
• other parties you authorise us to contact.

We may also collect information from third parties where you are unable to provide the information directly or where doing so is otherwise permitted or required by law.

18. When Collection Is Required by Law

In certain circumstances, we may be required to collect personal information to comply with legal or regulatory requirements.

For example, we may need to collect and verify information about your identity in accordance with applicable anti-money laundering and counter-terrorism financing requirements, fraud prevention requirements and other applicable laws.

19. How We Use Your Information

We may collect, use and disclose your personal information for purposes including:

• providing credit assistance to you;
• assessing your requirements and objectives;
• assessing your financial circumstances;
• identifying and assessing potentially suitable loan products;
• assisting you to prepare and submit a loan application;
• verifying your identity and information;
• communicating with lenders, funders and other relevant parties;
• administering and progressing your loan application;
• responding to enquiries and complaints;
• managing payments and transactions;
• managing our relationship with you;
• improving our products and services;
• conducting internal analysis and reporting;
• preventing, detecting and investigating fraud or other misconduct;
• complying with applicable laws, regulations and industry codes;
• managing our business and administrative functions;
• providing information about products or services that may be relevant to you, where permitted; and
• any other purpose to which you have consented or which is otherwise permitted by law.

You may contact us at any time if you do not wish to receive direct marketing communications from us.

20. What Happens if You Do Not Provide Information?

If you do not provide personal information that we reasonably require, we may be unable to:

• provide credit assistance to you;
• assess or process your loan application;
• verify your identity;
• assess whether a proposed loan is suitable for you;
• protect against fraud or other risks; or
• provide certain products or services to you.

21. Sharing Your Information

We may use and disclose your personal information to organisations where reasonably necessary for the purposes described in this Privacy Statement.

These organisations may include:

Your Representatives

We may share information with people acting on your behalf, such as:

• lawyers;
• settlement agents;
• accountants;
• financial advisers;
• mortgage or finance brokers; and
• other authorised representatives.

Referees and Verification Sources

Where appropriate and permitted by law, we may contact:

• employers;
• referees;
• accountants;
• financial institutions; and
• other parties who can verify information relevant to your application.

Lenders and Other Finance Providers

We may disclose your information to:

• lenders;
• funders;
• mortgage managers;
• credit providers;
• lender service providers;
• mortgage insurers;
• lessors;
• loan intermediaries; and
• other organisations involved in assessing or providing financial products or services.

Other Service Providers

We may also disclose information to organisations that assist us to operate our business, including:

• technology and software providers;
• document and data management providers;
• identity verification providers;
• fraud prevention and detection providers;
• valuers;
• professional advisers;
• insurers;
• contractors and agents; and
• other service providers engaged by us.

Government and Regulatory Bodies

We may disclose information to government agencies, regulators, law enforcement bodies or other authorities where required or authorised by law.

22. Overseas Disclosure

Some organisations that provide services to us, our insurers, lenders or other parties involved in providing financial services may operate or store information outside Australia.

Depending on the service providers and systems used from time to time, personal information may be disclosed to or stored in countries including, but not limited to:

• Hong Kong;
• China;
• the Philippines;
• Malaysia;
• Nepal;
• Singapore;
• the United Kingdom;
• India;
• the United States;
• countries within the European Union;
• Canada; and
• other jurisdictions where our service providers or technology infrastructure operate.

The countries to which information may be disclosed or where information may be stored may change from time to time.

Where personal information is disclosed overseas, the recipient may be subject to privacy laws that differ from those applicable in Australia.

We will take reasonable steps to deal with overseas disclosures in accordance with applicable Australian privacy laws.

23. Cloud Storage and Electronic Systems

We may store personal information using cloud-based, networked or electronic storage systems.

Because electronic information systems may be accessed or supported from multiple jurisdictions, it may not always be practicable to identify the precise country in which particular information is stored at any given time.

We take reasonable steps to ensure that service providers handling personal information maintain appropriate security measures.

24. Information About Other People

If you provide us with personal information about another person, such as a co-applicant, guarantor, director, shareholder or other relevant person, you should ensure that you are authorised to provide that information.

Where reasonably practicable, you should inform that person that:

• you have provided their personal information to us;
• we may collect, use and disclose their information for the purposes described in this Privacy Statement;
• their information may be provided to lenders, credit providers and other service providers involved in the relevant transaction;
• our Privacy Policy explains how we manage personal information; and
• they may contact us to request access to or correction of their personal information, subject to applicable law.

We may be unable to provide certain services or progress an application if we cannot obtain information that is reasonably required from another relevant person.

25. Access and Correction

You may request access to personal information we hold about you.

You may also ask us to correct information where you believe it is inaccurate, incomplete, out of date or misleading.

We may need to verify your identity before providing access to or correcting personal information.

Requests should be made using the contact details provided in this document.

26. Privacy Policy

Further information about how AQUABLIVIS manages personal information is contained in our Privacy Policy.

Our Privacy Policy explains in greater detail:

• how we collect and use personal information;
• how we store and protect information;
• how we disclose information;
• how you can access and correct information;
• how you can make a privacy complaint; and
• how we handle privacy complaints.

A copy of our Privacy Policy is available on our website or by contacting us.

27. Privacy Complaints

If you have concerns about how we have handled your personal information, please contact us using the details below.

We will investigate your complaint and respond in accordance with applicable privacy laws and our internal procedures.

If you are not satisfied with our response, you may be entitled to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Further information is available at www.oaic.gov.au.

28. Changes to this Privacy Statement

We may update this Privacy Statement from time to time to reflect changes to our business, services, technology, legal requirements or privacy practices.

The most current version will be made available through our website or upon request.