Privacy Policy:

Fouracre Financial Pty Ltd Credit Representative Number 547232| Australian Credit License Number 387025 and our related businesses, Fouracre Financial (“Fouracre Financial,” “us,” “we,” and “our”) are committed to respecting the privacy of your information and recognize the need for appropriate protection and management of any personal information that you share with us.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles as set out in the Privacy Amendment (Enhancing Privacy Protection) Act 2012 (Cth).

Personal Information Collected:

Where reasonable and practical, Fouracre Financial will collect your personal information directly from you or your representative with your explicit permission.

We may collect the following Personal Information from or about you, where the information is reasonably necessary for our business purposes, including to provide our Services to you:

• Name, gender, and date of birth.
• Driver’s license or passport details, and Medicare card details.
• Phone number, email address, residential address, and previous address.
• Credit information that may be relevant to a correction request or a complaint that is raised through Credit Bureaus.
• Any other information that you provide to us or authorize us to collect in connection with a specific Service offered on Fouracre Financials website or service offerings.

Once you make an application with Fouracre Financial, as part of our assessment process, we collect information relating to your identity, your income, your current financial commitments, and your household budget.

By submitting a request for contact on the Website, you agree to give authority to Fouracre Financial to access your consumer and commercial credit information held by a Credit Reporting Body on your behalf. This authority applies to assisting you in dealing with a credit reporting body or credit provider in relation to an application for credit or having sought advice in relation to existing credit.

When we access your file, it is as an access seeker and is not listed as a credit inquiry, and we use this information to identify the correct options for your financial situation. This information is held on our internal database and is not disclosed to unrelated entities without your permission. Your information may be disclosed to other entities if it forms part of the solution offered to you.

Use and Disclosure of Information Collected:

Any information you provide to Fouracre Financial is strictly confidential and covered by the Privacy Amendment (Enhancing Privacy Protection) Act 2012 (Cth). Fouracre Financial may keep a record of any information you provide, including but not limited to your financial, personal, and contact details. Fouracre Financial will only use or disclose your personal information we collect about you:

• For the purpose of which it has been collected.
• For related purposes for which you would reasonably expect us to use or disclose the information.
• For marketing our products and services to you (see ‘Contact and Option to Opt Out’ below).
• Where you have consented to us using or disclosing your personal information.
• Where we are required or otherwise permitted to do so by law.

Generally, Fouracre Financial will collect your personal information for the purpose of:

• Applying for and receiving a copy of your credit report.
• Viewing your credit information files held by any credit reporting agency/body.
• Conducting a search of the Personal Property Securities Register for the purpose of assessing your credit status and history.
• Seeking information relating to the product you authorise us to conduct searches and finance for with any related party.
• Negotiating with any person who has provided credit to you, or with any third party for whom Fouracre Financial identifies has provided a guarantee or indemnity.
• Varying the terms on which credit was provided to you to enable you to satisfy any obligations, and to seek legal advice on your behalf.
• Verifying your identity to comply with professional and legal obligations.
• To respond to or provide services in relation to comments, inquiries, or requests made via the Fouracre Financial website.
• Complying with any legal obligations that we may have to collect and hold such information.

Overseas Disclosure:

Unless the services provided to you by Fouracre Financial necessitate the disclosure of your personal information overseas, and you are reasonably aware of that necessity, we will not disclose your personal information overseas without your prior consent.

Sensitive Information:

We will only collect sensitive information from you when:

• It is reasonably necessary for one or more of the services Fouracre Financial is providing to you.
• You consent to the collection of the information.
• We are required or authorized by law to collect the sensitive information.

Information Collected for Statistical Purposes:

When you look at Fouracre Financials’ website, our Internet Service Provider makes a record of your visit and logs the following information of your server address for statistical purposes.

• Your top-level domain name (for example, .com, .gov, .au, .uk, etc).
• Pages you accessed.
• Documents downloaded.
• Type of browser you used.

Contact and Option to Opt Out:

From time to time, Fouracre Financial may contact you via email or by phone, with information regarding products and services, upcoming and/or current events from Fouracre Financial. If you do not want to receive emails or phone calls from us in the future, please let us know by sending an email to us at [email protected] and telling us that you do not wish to receive emails or phone calls from Fouracre Financial.

If you supply us with your postal address, you may receive periodic mailings from us with information on products and services or upcoming and/or current events. If you do not wish to receive such mailings, please let us know by sending an email to us at [email protected] with your full name and address.

Access and Correction:

We will provide you with access to the personal information we hold about you. To access your personal information or remove your information from our database please contact us using the contact details below.

If you believe that the personal information Fouracre Financial holds about you is inaccurate, incomplete, or out of date, please contact us immediately using the contact details below.

Contact Name

Phone

Email

Postal Address

Security:

We will take reasonable steps to protect your personal information by storing it in a secure environment. We will also take reasonable steps to protect any personal information from misuse, loss, and unauthorized access, modification, or disclosure.

Complaints:

If you have any queries or concerns about this Privacy Policy, or you would like to make a complaint about the use of your personal information or services provided by Fouracre Financial, please contact Fouracre Financial via email to [email protected]. Fouracre Financial will take reasonable steps to investigate the complaint and respond to you in accordance with IDR Internal Dispute Resolution Process.

Please include the following information:

Contact Name

Phone

Email

Postal Address

Include the concerns you would like addressed.

If you remain dissatisfied with our response, you may wish to contact our external dispute resolution scheme, Australian Financial Complaints Authority (AFCA) on 1800 931 678 quoting our membership number #42176 alternatively you may also submit a complaint to the Office of the Australian Information Commissioner contact link as follows https://www.oaic.gov.au/about-us/contact-us/

Website Terms of Use:

By accessing and continuing to use the Website, you acknowledge that you accept these Terms of Use, and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you must leave the Website immediately.

Fouracre Financial agrees to provide access to the Website on an “as is” basis in a manner consistent with these Terms of Use. We make no warranties as to its use or applicability for any other purpose. This includes, but is not limited to all content, software, material, and information contained on the Website.

In using the Website, you agree that you will not:

• Provide Fouracre Financial with any information that is inaccurate, misleading, or incomplete, including but not limited to, information relating to your identity and your financial position.
• Violate any applicable laws.
• Use the Website for an unlawful purpose.
• Distribute viruses, spyware, corrupted files, or any other similar software or programs that may damage the operation of any computer hardware or software.

Fouracre Financial, its officers, directors, owners, agents, employees, and information providers make no representation or warranty of any kind, that the content of the Website, its functionality, or operation is error-free, free from any defect or that defects will be corrected. The content is presented to you for illustrative purposes and as general information, it is not intended to be specific advice, and you should not rely on this information in making any decision about your finances, creditworthiness, or related matters. You should seek and receive specific advice from a trained professional prior to making any decision and conduct your own inquiries to ensure that you are familiar with all the aspects of your unique situation.

Fouracre Financial and its affiliates will not be liable for any damages, real or assumed, direct or indirect, punitive or consequential incurred as a result of the use of the Website, or the information or materials contained within the Website. This includes, but is not limited to, any loss of income or profits, damages to third parties, contractual responsibilities, negligence, or any tort.

You hereby agree to indemnify, defend, and hold Fouracre Financial and all its officers, directors, owners, agents, employees, information providers, and affiliates (collectively the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use, including, but not limited to, legal fees and costs. You shall cooperate as fully as reasonably required in the defence of any claim.

Aspects of the Website contain information about the law designed to help you understand the credit repair process. This is legal information, not legal advice.

Fouracre Financial recommends you consult a lawyer and/or any other relevant professional to obtain professional assurance that our information, and your interpretation of it, is appropriate for your particular situation.

Where we provide hypertext links from or to third-party sites, we do so for convenience and information purposes only. We do not review, endorse, approve, or control, and are not responsible for any sites linked from or to the Website, the content of those sites, the third parties named therein, or their products, resources, or services. Linking to any other site is at your sole risk, and we will not be responsible or liable for any damages in connection with linking, and we accept no liability nor make any endorsement or approval of the same.

We reserve the right to make changes to the Website, including the availability of any feature, database, content, web page materials, product information, and prices on the Website at any time without notice or liability. We may also impose limits on certain features and services or restrict your access to parts or the entire Website without notice or liability.