This statement explains how Independent Finance Group Pty Ltd T/as Independent Finance Group (ABN 79 144 080 026, Australian Credit Licence 389228) collects, uses and discloses your personal information.

By signing the acknowledgment section, you consent to the collection, holding, use and exchange of your personal information for the purposes outlined below. Your information will only be disclosed as described, unless required or permitted by law.

If referred, you consent to us receiving your contact details from the Referrer. The Referrer has only indicated that we may provide credit assistance but has not discussed specific credit products. You acknowledge no fee was charged by the Referrer and that they may receive a commission.

Personal Information includes your name, signature, contact details, date of birth, bank account details, and credit history. It may also include sensitive information, such as health data for insurance applications.

We collect personal information directly from you and other sources, including credit reporting bodies (Equifax, Illion), your employer, landlord, and financial institutions. We may request consumer and commercial credit reports on your behalf.

If you provide information about other individuals (e.g., guarantors or family), you must inform them and ensure they understand this Privacy Disclosure.

We collect personal information to comply with the National Consumer Credit Protection Act 2009 and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

• To verify your identity and financial situation.
• To assess credit applications and related guarantees.
• To disclose your information to credit providers and insurers.
• To exchange information with credit reporting bodies.
• To communicate with third parties, such as employers and advisors, if needed.

If we cannot collect and verify your personal information, we may not be able to process your application or evaluate guarantor eligibility.

We may disclose your information to various third parties including credit providers, insurers, service providers, your agents, government bodies, and overseas recipients (e.g., IT support in China). We will ensure overseas recipients comply with Australian privacy standards where legally required.

You may access or correct your personal information and lodge a complaint through the details below:

• Phone: 1300 855 231
• Email: luke@ifgroup.net.au
• Mail: PO Box 501, Leichhardt, NSW 2040

We and our business partners may send you marketing materials. You can opt out at any time.

By providing your email or mobile number, you consent to receive electronic communications and documents. You are responsible for ensuring access and maintaining up-to-date contact details. You can withdraw this consent by calling 1300 855 231.