Privacy Policy

Overview

This Privacy Disclosure Statement & E-mail Communication Consent is relevant to:

Decent Loans, ABN 35 828 502 375, Credit Representative No. 554530, www.decentloans.com.au, Credit Representative of: COG Aggregation Pty Ltd, Australian Credit Licence No. 389527, ABN 99 124 319 857. Address: Level 1, 2 Roche Street, HAWTHORN VIC 3122 (we, us, our).

We collect and store information about you for the purposes you agree to in this Privacy Disclosure Statement and E-mail Communication Consent, subject to Australia's privacy and credit reporting laws including the Privacy (Credit Reporting) Code 2024 (CR Code). Your credit and personal information will be handled in accordance with the CR Code.

When you agree, you consent to us collecting, using and exchanging credit and personal information about you for those purposes, consistent with Australia's privacy and credit reporting laws.

Privacy Disclosure Statement and E-mail Communication Consent

We are collecting credit-related personal information about you, as applicable:

• To source for you, or a company of which you are a director: consumer credit for personal, household, domestic or residential investment purposes; commercial credit for business purposes; or other services stated in this Consent.
• To support a guarantor application you will provide.

As your broker, we require the information we collect from you to assess your credit or guarantor application, source a suitable credit provider and any required insurances, and to manage the application process. If you do not provide the information sought, we may be unable to process your application or may be limited in the other services we can offer you.

Your Information — Collection and Credit Reporting Body (CRB) Disclosures

When we collect information from you in the credit application process, we may:

• Disclose your identification information to a CRB and in some cases obtain a credit report;
• Use any information the CRB provides in that report to assist us to preliminarily assess your consumer credit or guarantor application;
• Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain;
• Disclose your credit information to a credit provider or credit providers to apply for finance on your behalf; and
• Disclose your personal information to an aggregator to enable submission of your credit application to the credit provider.

The information we obtain from you is used, subject to compliance with Australia's privacy and credit reporting laws including the CR Code, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.

Credit Providers

As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.

We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in Schedule 1 at the end of this document.

A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more CRBs. Credit providers may also engage directly with a CRB to make a credit enquiry. The website of each credit provider contains details of each CRB with which it deals, notifiable matters, privacy policy, credit reporting policy and how to contact them.

Your Rights

You have the right to ask:

• Us to provide you with all the information we hold about you;
• Us to correct the information we hold if it is inaccurate, incomplete and/or incorrect;
• Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email);
• The CRB not to use your information for direct marketing assessment purposes, including prescreening; and
• The CRB to provide you with a copy of the information it holds about you.

You can gain access to the information we hold about you by contacting our Privacy Officer at the address above, by telephone on 1300 887 754, or by email at compliance@cogfs.com.au. In some cases an administration fee may be charged to cover the cost of providing the information.

You also agree and consent to:

• A CRB disclosing consumer credit information to one or more credit providers specified in Schedule 1 for the purpose of assessing your application;
• When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor;
• A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor; and
• A credit provider disclosing information it holds about you to another credit provider, your agent, or a servicer, for a particular purpose.

Disclosure and Consent

By engaging with us, you agree we may:

• Use your personal and credit information to assess your consumer or commercial credit and/or guarantee application, to source any finances and insurances you require, and as the law authorises or requires;
• Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances you require;
• Check your information with the document issuer, such as an employer or accountant or official record holder for the purpose of confirming your identity;
• Obtain from, and disclose to, any third party, information about you that is reasonably necessary to assist you to obtain the finance and insurances required;
• Provide your information, including your credit report(s), to one or more of the credit providers specified in Schedule 1 so they can assess your application;
• Provide you with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you, unless you tell us not to;
• Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or providers. This includes service providers located overseas, including potentially Germany, United Kingdom, India, Philippines, and the United States of America; and
• Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us.

Extended Effectiveness for Commercial Credit

Your agreement and consent to the disclosures and consents in this document will be effective for a period of 12 months, but only in relation to commercial credit. Your agreement ceases when you either withdraw it by contacting us, or 12 months after signing, whichever first occurs. This allows us to continue to provide our services to you without the need to ask you to sign a new privacy statement each time you require commercial credit within that period.

Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company's information, in each of the ways listed above.

Effectiveness for Consumer Credit

This authorisation ceases when we undertake a task on behalf of the credit provider.

South Australia

For specific finance transactions we may arrange for you, we will tell you details of the amounts we receive or pay or are likely to receive or pay, or if not known at the time, how these amounts are calculated and/or reasonable estimate of the amounts, as well as who pays and receives these amounts.

Schedule 1 — Credit Providers

Schedule 2 — Credit Reporting Bodies (CRB)