In order for us to comply with our legal obligations in assessing whether to provide a loan to you, Moneyme Financial Group Pty Ltd ACN 163 691 236 Australian Credit Licence Number 442218 trading as MoneyMe (“we”, “our”, “us”) needs to obtain from you and other parties personal information relating to you. Refer to our Privacy Policy for information on how we collect, use, and disclose your personal information.

We collect your personal information so that we can:

• accept, assess, and process your application for a loan;

• undertake risk assessment and management involving credit scoring, identity verification, and fraud prevention;

• obtain your bank account transaction information or internet banking access details;

• provide you with information about other products or services we currently offer or may offer in the future; and

• comply with any other legislative and regulatory requirements.

We may exchange your personal information with or obtain information from:

• credit reporting agencies or any businesses which provide information about your credit worthiness and/or confirmation of your identity;

• personal and/or business referees nominated by you, including your employer (in relation to your employment status and income);

• our professional advisers, contractors and other service providers (eg. IT consultants);

• your legal and financial advisers (if any);

• Centrelink, Australian Taxation Office or other Government departments, agencies or bodies, to whom we may be required by law to disclose information supplied by you to us;

• our financiers;

• other credit providers and financial institutions;

• our ASIC approved external dispute resolution service;

• payment system operators (if any); and

• our insurers, insurance underwriters/providers in relation to our insurance policies.

• debt collectors and debt purchasers

We may also provide your personal information to others who may purchase (or who may be interested in purchasing) any interest in the obligations you may owe us under the credit contract.

We may sell your personal information for a fee to other credit licencees (either credit providers or credit assistance providers) or lead providers. The credit service providers or lead providers may either provide a service themselves to you or on sell your personal information to others.

We may use the personal information we have obtained about you for the purposes of offering you other products or services, which we believe may be of interest or benefit to you that we or our partners might have available. You can withdraw your consent at any time by advising us.

You authorise us to give to a credit reporting agency personal information necessary to ascertain your identity, and to advise a credit reporting agency that you have applied for a loan, the amount of the loan, our status as a current credit provider to you, payments that are overdue for more than 60 days, payments which are no longer overdue, when a serious credit infringement has been committed, or that the full amount of your loan has been paid (or your loan has been otherwise discharged).

If you agree that we may access your transaction history the following provisions shall apply:

• you agree to provide true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you agree to not misrepresent your identity or your account information;

• neither we nor illion Open Data Solutions will store or have access to your internet banking credentials, PIN codes or passwords. That information is encrypted in transit and stored by a third party service provider upon their servers in a secure environment outside the EEA and Australia;

• by agreeing to allow us viewing access to your transaction history, you authorise illion Open Data Solutions and illion's service providers to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements over a period of up to 90 days;

• you acknowledge that access and retrieval of information and transaction history from third party sites is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider); and

• you understand that allowing us to review your transaction history is at your sole risk.

You can ask to obtain access to personal information we and/or our contractors hold, although under some circumstances permitted by law, you may not be provided with such information.

If we decide not to correct or provide you with access to your personal information, we will give you our reasons for our decision.

You consent to receiving notices and other documents electronically.

You understand that upon the giving this consent:

• we may no longer send paper copies of notices and other documents to you;

• you should regularly check your nominated email address, SMS, and any website we give you access to for notices and other documents;

• we may send the notices and other documents by email, or provide a notice in an email that the documents are displayed on and can be retrieved from a website; and

• you may withdraw your consent to the giving of notices and other documents by electronic means at any time.

You have facilities to enable you to print the notice or other document sent to you electronically.

I have read and understood this Privacy Consent and Electronic Authority, and consent to MoneyMe using personal information in accordance with these terms, and to MoneyMe communicating with me electronically.