Privacy Consent and Consent to Electronic Communications

Privacy Consent Form

By agreeing to this document, you consent to us (Land Lease Home Loans Pty Ltd ACN 642 684 053 Australian Credit Licence 546781, LLHL Mortgages Pty Ltd ACN 644 428 204, and our related bodies corporate, affiliates and agents) collecting, using, holding and disclosing personal information (including credit-related information) about you.

Personal information means information or an opinion that relates to you and from which you are, or may reasonably, be identified. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we may need to identify you. When you use our website or mobile applications we may collect information about your location or activity including IP address, telephone number and whether you have accessed third party sites, the date and time of visits, the pages that are viewed, information about the device used and other user location information. The personal information we hold that relates to you may also include credit-related information.

Credit-related information means both:

• Credit information, which is information which includes your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, financial hardship information (including information that any repayments are affected by a financial hardship arrangement);default information (including overdue payments); payment information; new arrangement information; details of any serious credit infringements; court proceedings information; personal insolvency information; and publicly available information; and
• Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body (CRB), and any information that we derive from it.

We refer to personal information and credit-related information collectively as ‘information’ in this document.

You can find out more about how we deal with your privacy by viewing our Privacy & Credit Reporting Policy at https://landleasehomeloans.com.au/privacy-and-credit-reporting-policy.

If you do not consent to us collecting, using, holding and disclosing your information in accordance with this document, or do not provide us with your information, we may not be able to arrange credit for you or provide other services.

We may disclose your information to third parties, including CRBs, in a form that may enable those third parties to identify you. If we obtain a credit report about you, that information may be recorded and may affect your credit standing.

We may disclose your information to overseas entities that may not be subject to privacy laws or principles that are similar to those that apply in Australia. If you provide us with this consent, you acknowledge that you may not be able to seek redress for any breach of your privacy which occurs outside of Australia.

If you have any questions or concerns about how we handle your information, please contact us by phone on 1300 555 626, email at [email protected] or by writing to us at 3/65-67 The Corso, Manly NSW 2095.

How we handle your information

You agree to us collecting, using, storing and disclosing information about you. We can use your information to process your application for a product or services, to market products and services by us and by third parties, to verify your identity by using information held by a CRB and using other online resources, and to perform associated tasks. We can also use your information to comply with laws (for example, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)).

We may collect your information from you or from third parties.

We may, from time to time, collect sensitive information about you, including information about your health.

Access to information and privacy and credit reporting policies

You may request further information about the way we manage your personal or credit-related information by contacting us on 1300 555 626 or by emailing us at [email protected].

Our Privacy & Credit Reporting Policy, available at https://landleasehomeloans.com.au/privacy-and-credit-reporting-policy, and the privacy policies of our related bodies corporate, affiliates, agents and CRBs, contain information about how you may access or seek correction of your information, see how that information is managed, how to make a privacy-related complaint, and how that complaint will be dealt with.

Exchange information with CRBs

We exchange your credit-related information with CRBs. We use the credit-related information that we exchange with CRBs to confirm your identity, assess your credit worthiness, assess your application for finance or your capacity to be a guarantor and manage your finance. As part of our credit assessment process, we may disclose your personal information to a CRB to conduct a credit check on you. Your consent is not required for us to disclose your personal information to a CRB to perform a credit check.

The information we may exchange with CRBs includes your identification details, what type of loans you have, how much you have borrowed, whether or not you have met your loan payment obligations, whether you have entered into a financial hardship arrangement (either with us or some other third party) and if you have committed a serious credit infringement (such as fraud).

CRBs may hold the information we provide them in their credit reporting databases. They may use and disclose that information to other lenders to assist in connection with the credit products you have with us, to help assess your credit worthiness, or for any other lawful purpose, including debt collection. We may inform CRBs if you default, fail to meet your repayment obligations, or commit a serious credit infringement. You can ask a CRB not to use your credit-related information to ‘pre-screen’ credit offers on the request of other credit providers or direct marketing. You can also ask a CRB not to use or disclose credit reporting information about you if you have reasonable grounds to believe that you have been, or are likely to be, a victim of fraud.

The CRBs we may share information with are:

• Equifax Pty Limited – www.equifax.com.au – contact on 13 83 32; see privacy policy at https://www.equifax.com.au/privacy;

• Illion (Australia) Pty Limited – www.illion.com.au – contact on 13 23 33; see privacy policy at https://www.illion.com.au/priv...; and

• Experian Australia Credit Services Pty Limited – www.experian.com.au – contact on 1300 783 684; see privacy policy at https://www.experian.com.au/privacy-policy-terms-conditions.

Exchange information with other businesses

We may give or receive information about you to the following types of businesses, some of which may be located overseas. We may disclose your personal information to:

our related entities;

other financiers or credit providers;

finance brokers, funders, mortgage managers, and other people who assist us to provide our products or services;

any person who represents you, including financial consultants, accountants, lawyers, mortgage brokers, persons holding power of attorney, guardians and advisers;

industry bodies, government authorities, tribunals, and courts;

investors, advisers, trustees, ratings agencies and other businesses assisting us with funding;

any person where we are authorised or required to do so by law;

businesses who provide us with services or systems;

insurers, valuers, and debt collection agencies;

persons who are, or are likely to be, co-borrowers with you or to guarantee your loan;

any person to whom you expressly consent us to share information with;

any of our related entities or associates;

our agents, contractors or service providers that we engage to carry out our functions and activities;

your referees and your employer;

an organisation that assists us to identify, prevent or investigate any fraud, unlawful activity or misconduct (or suspected fraud, unlawful activity or misconduct);

any person considering acquiring an interest in our business or assets; and

associated businesses that may want to market products to you.

Customer identification

We may disclose your name, residential address and date of birth to a CRB or other organisation (including the document issuer or official records holder) to verify your identity. That organisation will use this information to provide us with an assessment or report as to whether the information we hold matches information held by the organisation, and that may involve use of third party systems and services, including the transmission of information to New Zealand. If we are unable to verify your identity in this way, we will let you know.

In carrying out applicable customer identification procedures, we or a CRB may use the Australian Government's Document Verification Service (DVS) to verify your identity. This may involve the use of your identification documents. The information you provide to us will be used to verify your identity and may be the subject of an information match request to the official record holder of the underlying information. That information match request, the information match result and other information match data and access to and use of the DVS may involve the use of third-party systems and services. The DVS does not store your personal information. For more information about the DVS, please see: https://www.idmatch.gov.au/resources/identity-verification-services-privacy-statement.

If you do not consent to us using and disclosing your information as described above to verify your identity, please let us know and we will seek to verify your identity by other means, which may require you to provide supporting identification documents (either original or certified copies).

Overseas disclosure

From time to time, we may need to provide your personal information to, or obtain personal information about you, from entities located overseas, as set out in our Privacy & Credit Reporting Policy (https://www.landleasehomeloans.com.au/privacy-and-credit-reporting-policy). Overseas entities may be required to disclose the personal information received about you to relevant foreign authorities under a foreign law.

If we disclose your personal and credit-related information to entities that are located overseas, we will take reasonable steps to ensure that the overseas entity does not breach the Australian Privacy Principles in relation to your personal and credit-related information.

Consent to electronic communications

You acknowledge that:

we may no longer send paper copies of notices, statements, disclosures and other documents to you;

we may send notices, statements, disclosures and other documents by email, or by emailing you to notify you that the document is displayed on, and can be retrieved from, a website; and

you need to check your email account regularly for electronic communications from us.