Privacy Policy

References to "Company", in this policy mean Working Title Pty Ltd (ACN 681 478 517) trading as Garage Finance co

www.garagefinance.com.au along with all its subsidiaries, related entities, or controlled entities. The

context will determine whether 'Company' refers to one or multiple entities. Each Company

entity may perform different roles regarding your loan, such as acting as a broker or lender. This

consent covers the roles of each entity. References to the singular ('I' or 'me') include the plural

('We' or 'us').

This privacy policy outlines our compliance with the Privacy Act 1988 (Privacy Act). Terms

'personal information' and 'information' are used interchangeably, following the definition in

section 6 of the Privacy Act.

Company collects personal information to provide requested products and services and

information about other products and services offered by or through us. We protect your

personal information in accordance with the Australian Privacy Principles (APP) under the

Privacy Act, available at: https://www.oaic.gov.au/privacy and any applicable industry privacy

code.

Why We Collect Information

Company collects information for purposes reasonably necessary for or directly related to our

business functions or activities. These include:

• Providing products and services requested by customers, and monitoring, evaluating,

and delivering products and services.

• Assisting with queries, resolving complaints, managing information access requests, or

handling legal actions involving Company.

• Managing customer relationships, accounts, and performing administrative tasks (e.g.,

risk management, system development, credit scoring, staff training, debt collection,

and market research).

• Offering information about products and services from Company, affiliated providers,

and external providers we represent (unless the customer opts out).

• Complying with legal obligations, such as the National Consumer Credit Protection Act

2009, the Privacy Act, and the Anti-Money Laundering and Counter-Terrorism Financing

Act 2006.

• Identifying customers or establishing tax status under Australian or foreign legislation,

regulation, or treaties, or agreements with tax authorities.

• Gathering and aggregating information for statistical, prudential, actuarial, and research

purposes.

• Developing and implementing measures to detect or prevent fraud and credit loss.• Assisting with marketing and promotional purposes, including disclosing personal

information to third parties, contractors, or organizations aiding our marketing and

promotion efforts.

Additionally, under Part IIIA of the Privacy Act, we may obtain your consent to collect, use, and

disclose information about you. If you do not provide the required information, we may be

unable to offer you the requested goods and services.

What We Collect

Company collects personal information such as name, address, date of birth, gender, marital

status, occupation, account details, contact details (telephone, facsimile, email), and financial

information. We may also collect personal details for identification purposes over the

telephone.

For credit applications, we may collect information about your dependents, current address

duration, employer's details, length of employment, proof of earnings, and previous

employment details if applicable.

Disclosure

Company will not disclose your information to government agencies, private sector

organizations, or anyone else unless:

• You have consented.

• You would reasonably expect or have been informed that such information is usually

disclosed.

• It is required or authorized by law.

• Your actions imply consent to the disclosure of information.

• It will prevent or lessen a serious and imminent threat to someone's life or health.

• It is reasonably necessary for law enforcement, protection of public revenue, or

investigation of fraud, unlawful activity, or misconduct.

Depending on the product or service, we may disclose information to:

• Affiliated and external product and service providers.

• Appointed auditors.

• Individuals acting on your behalf (e.g., financial adviser, solicitor).

• Your employer, referees, guarantors, or potential guarantors.

• Regulatory bodies, government agencies, or courts.

• Participants in the payment system and financial institutions.

• Insurers.

• Joint borrowers or account holders.

• Credit reporting bodies or debt collection agencies.• Other financial institutions and organizations.

• Potential business or asset acquirers.

• Suppliers.

• Other specified organisations or individuals.

Identity Verification and Credit Checks

Company is legally required to conduct identity verification and credit checks under legislation

like the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and the National

Consumer Credit Protection Act 2009. Information from online or in-store applications may be

used to verify details and conduct credit checks, including e-verification.

Consent for these checks will be sought during the application process. If there is a partial or no

match, further documentation may be required for verification.

We may also access and collect your financial records from your financial institutions via an

online portal with your consent. This service removes the need for physical financial

statements.

If you fail to meet a payment obligation or commit a serious credit infringement, we may

disclose this to a credit reporting body. You may request a credit reporting agency not to use

your information for pre-screening direct marketing or if you believe you are a victim of fraud.

You have the right to request a copy of your credit reporting information once a year or if it

relates to our refusal of credit.

We may disclose information to the following credit reporting bodies:

• Equifax Pty Ltd: http://www.equifax.com.au/privacy

• illion Australia Pty Ltd: https://www.illion.com.au/privacy-policy/

• Experian Asia Pacific Pty Ltd: http://www.experian.com.au/privacy-policy/

Website Data

When visiting the Company website, our system may record information provided by your

browser, including:

• Date and time of visit.

• Browser type and operating system.

• Internet Service Provider and top-level domain name.

• Referring web address.

• IP address.

Website data is kept confidential and used for internal research purposes only.

Our websites may send a "cookie" to your computer, providing a unique identification number.

Cookies help us interact more effectively with your computer. They may be session cookies(lasting until you close your browser) or persistent cookies (stored longer term). Cookies do not

identify individual users.

You can configure your browser to accept, reject, or notify you of cookies. Rejecting all cookies

may limit website functionality.

Links to Other Websites

Our websites may link to non-Company websites. We encourage you to read and understand

the privacy policies of linked websites before providing information to them.

Advertising & Performance Tracking

We use advertising companies to deliver online advertising. Cookies and Spotlight tags may

collect information such as server details, browser type, visit date and time, and marketing

performance. Anonymous information may also be collected about website usage for

advertising effectiveness and consumer interest studies.

Overseas Storage and Delivery of Information

Company may use third-party platforms for information delivery and storage at secure locations

in Australia, Singapore, the United Kingdom, the United States, Ireland, or Hong Kong. These

third-party providers use secure systems and processes equivalent to those required under the

Australian Privacy Principles.

Telephone

We may monitor and record telephone calls for training and security purposes.

We will preserve the content of any email that you send us if we are legally required to do so.

Where appropriate, we may record your email address against the relevant company name on

our confidential customer database.

Your email address is used only to send you information that you have requested and as

necessary to complete a transaction or application or for marketing purposes. As part of your

use of our email marketing software, Company allows you to elect to receive, or not to receive,

certain information.

Company will not send you unsolicited email information related to marketing and promotional

purposes where you have opted out of receiving such communication, offers or advertisements.

Company will not sell, rent or lend our contact lists or our customers' contact lists (including

customer data) to third parties.

All emails that you have requested will have an option to unsubscribe. To unsubscribe from all

future Company emails, please opt out here.

Security of Information

Company takes reasonable care to protect personal information collected or submitted, both

physically and digitally. We regularly review security and encryption technologies. However,

data transmission over the Internet cannot be guaranteed as totally secure. Upon receiving your

transmission, we take steps to secure the information in our customer database.Contact Us

For questions, further information, or to exercise your rights regarding our privacy practices and

policies, please contact our Privacy Officer at:

The Privacy Officer

Working Title Pty Ltd

Phone: 0489 022 220

Email: Ben@garagefinance.com.au

Our Privacy Officer will address your concerns within a reasonable period and provide access to

information in the manner requested, if practical.

Acceptance and Changes to Privacy Policy

Your use of the Company website or products indicates acceptance of this Privacy Policy. This

policy replaces any previous versions. Company may vary the Privacy Policy by publishing

changes on the Company website, providing sufficient notice of the variation.