• 'Credit information' is personal information (other than sensitive information) that relates to an individual's credit history or credit worthiness, and as defined in the Privacy Act.
• 'Personal information' means information or an opinion relating to an individual, which can be used to identify that individual;
• 'Privacy Officer' means the contact person within Paymay for questions regarding Paymay's Privacy Policy;
• 'Related Party' includes Abaz Pty Ltd, Money Plus branches and Recovery Holdings Pty Ltd,
• 'Sensitive information' is personal information that includes information relating to a person's racial or ethnic origin, political opinions, religion, trade union or other professional or trade association membership, sexual preferences and criminal record, and also includes health information;
• 'Third Parties' mean customers, suppliers, sub-contractors, agents or other people having a commercial relationship with Paymay;

• name;
• date of birth;
• contact details;
• occupation and income;
• bank account details;
• details of identification documents such as your passport, drivers' license, Medicare and credit cards;
• marital status and dependents;
• financial and credit information;
• any other information that is relevant to the services that we provide.

We generally collect personal information directly from the individual it relates to when that individual interacts with us. For example, personal information will be collected when an individual applies for credit or opens an account with us either online or in person, visits our website, or sends us correspondence.

Sometimes we may collect personal information about an individual from their employer, financial institution, another credit provider or a credit reporting body ("CRB"). In this event, we take reasonable steps to ensure that the individual is made aware of the matters set out in this Policy.

We may arrange for third party service providers to use cookies to analyse traffic to our website (www.moneyplus.com.au). Information collected this way is anonymous.

We will not collect sensitive information about an individual unless the individual has consented or an exception to obtaining this consent applies. The exceptions include circumstances under which the collection is required or authorised by law, or it is necessary to take action in relation to suspected unlawful activity or serious misconduct.

If consent is not given or the personal information we request is not provided, we may not be able to provide our services, or otherwise meet an individual's needs.

We do not give individuals the option of dealing with us anonymously, or under a pseudonym. This is because it is impractical, and in some circumstances illegal, for us to deal with individuals who are not identified.

All personal information we hold in electronic format is held securely on our premises. We have cybersecurity measures in place that comply with international standards and ASIC regulatory requirements.

We destroy or de-identify all unsolicited personal information we receive, unless the personal information is relevant to services we or a related entity have provided, are providing or propose to provide to the individual to which it relates.

We may collect personal information about the following individuals:

• customers, potential customers and visitors to our website;
• service providers and suppliers;
• prospective employees, employees and contractors; and
• other Third Parties.

We may collect and hold information about individuals for us or a related party (collectively 'Money Plus') to:

• provide a product or service to an individual;
• verify an individual's identity, and financial situation;
• assess whether Money Plus products or services are suitable for an individual;
• assess applications for credit or other products or services we offer;
• manage credit provided to an individual, or collecting overdue payments;
• provide individuals with information about Money Plus events, products or services that may interest them ;
• protect the Money Plus business and other customers from fraudulent or unlawful activity;
• conduct the Money Plus business and perform other management and administration tasks;
• consider and address any concerns or complaints;
• manage any legal actions;
• comply with relevant laws, regulations and other legal obligations; and
• help improve Money Plus products and services offered, and enhance the Money Plus overall business.

We may use and disclose personal information for the primary purposes for which it is collected, for reasonably expected secondary purposes which are related to the primary purpose and in other circumstances authorised by the Privacy Act.

We use and disclose personal information, excluding credit information, for the purposes outlined in section 6 above. Sensitive information will be used and disclosed only for the purpose for which it was provided or a directly related secondary purpose, unless the individual agrees otherwise, or where certain other limited circumstances apply (e.g., where required by law). Such a directly related purpose may also include updated information, such as changed employment details, during the life of a loan (including where a default or fees remain unpaid). You should note that we may need to contact previous employers where this is relevant to a current loan or application.

We engage other people to perform services for us, which may involve disclosure of personal information to them and that person handling the personal information we hold. In these situations, we prohibit that person from using personal information about individuals we have disclosed except for the specific purpose for which we supply it. We prohibit that person from using your information for the purposes of direct marketing their products or services.

In relation to sensitive information held by us, wherever possible, Paymay will attempt to de-identify the information.

We delete all personal information about an individual when it is no longer needed or relevant.

We may disclose personal information, excluding credit information, to:

• a related entity;
• an agent, contractor or service provider we engage to carry out our functions and activities, such as our lawyers, accountants, debt collectors or other advisors;
• organisations involved in a transfer or sale of all or part of our assets or business;
• organisations involved in managing our payments, payment merchants and other financial institutions such as banks;
• regulatory bodies, government agencies, law enforcement bodies and courts;
• an individual's guarantors, referee(s), employer, co-account holder or Authorised Signatory; and
• anyone else to whom the individual authorises us to disclose it.

Also, If we collect personal information from these organisations and individuals we will deal with that information in accordance with this Policy.

We will only use and disclose credit information we collect for:

• assessing an application by an individual for credit;
• collecting payments that are overdue in relation to credit provided by us;
• dealing with a serious credit infringement we believe an individual has committed;
• an external dispute resolution scheme of which we are a member;
• the disclosure is required or authorised by law;
• assisting the individual to avoid defaulting on his or her obligations; or
• internal management purposes that are directly related to the provision or management of credit to an individual.

We will only disclose credit information to the following recipients:

• a related entity;
• a person who will be processing an individuals application for credit;
• a person who manages credit provided by us for use in managing that credit;
• another credit provider if we believe an individual has committed a serious credit infringement, or the individual has consented to the disclosure;
• to a person considering whether to act as a guarantor or offer property as security and the individual have expressly consented to the disclosure;
• a debt collector;
• a mortgage insurer; or
• a CRB (Credit Reporting Body), such as Equifax or Illion

If we intend to provide default information about an individual to a CRB, we will give the individual at least 14 days written notice. If we disclose default information to a CRB, and the individual subsequently repays the amount owed, we will tell the CRB the individual has repaid the amount owing. We will not disclose credit repayment history information to the CRB which is more than 2 years old.

We are not likely to disclose personal information to an overseas recipient.

The APPs require us to take all reasonable steps to protect the security of personal information, including credit information that we hold.

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

Where we no longer require personal information, we will take reasonable steps to destroy it.

Paymay does not use personal information for the purposes of direct marketing, unless:

• the personal information does not include sensitive information; and
• the individual would reasonably expect us to use or disclose the information for the purpose of direct marketing; and
• we provide a simple way of opting out of direct marketing; and
• the individual has not requested to opt out of receiving direct marketing from us.

If the individual would not reasonably expect us to use or disclose the information for the purpose of direct marketing, we may only use or disclose that information for direct marketing if the individual has consented to the use or disclosure of the information for direct marketing or it is impracticable to obtain that consent.

In relation to sensitive information, we may only use or disclose sensitive information about an individual for the purpose of direct marketing if the individual has consented to the use or disclosure of the information for that purpose. We will not use or disclose credit information for the purposes of direct marketing except as mentioned above

Individuals have the right to opt out of direct marketing and we give effect to any request we receive, within a reasonable period of time.

Individuals may also request that we provide them with the source of the personal information we hold about them. If such a request is made, Paymay will notify the individual of the source of the information free of charge within a reasonable period of time.

We have nominated Illion bank statements as our external bank statement retrieval provider to retrieve and review your bank statement(s), as required by law to assess your loan application. The below outlines your rights and obligations to using this automated bank statement retrieval service

By entering your login details, you agree to the terms:

• Access to your transaction history and any accounts linked to the internet banking log in details you enter on a read-only base
• Money Plus collects at least 90 days of your transaction history, or such period as required by us.
• We do not hold or store your log-in information.

For further information please visit https://bankstatements.com.au or call (08) 7122 9452

We will not use identifiers assigned by the Government, such as a tax file number, Medicare number, passport number or drivers licence number., for our own file recording purposes, unless one of the exemptions in the Privacy Act applies. Paymay endeavours to avoid data- matching. We do not disclose this information unless permitted by law. We may use Government identifiers to verify your identity when you deal with us.

We take reasonable steps to ensure that the personal information, including credit information, we collect, use and disclose is relevant, accurate, complete and up-to-date.

We encourage individuals to contact us in order to update any personal information we hold about them. If we correct information that has previously been disclosed to another entity, we will notify the other entity within a reasonable period of the correction. Where we are satisfied information is inaccurate, we will take reasonable steps to correct the information within 30 days, unless the individual agrees otherwise. We do not charge individuals for correcting the information.

Individuals may generally gain access to the personal information, including credit information, which we hold about them. Access may be sought by contacting the Privacy Officer by phone (02) 9676 1974 or email headoffice@moneyplus.com.au. We will provide access within 30 days of the request.

If we refuse to provide access, we will provide reasons for the refusal.

The individual will be able to look at his or her personal information at our head office or other offices as agreed beforehand. We will require identity verification and specification of what information is required. An administrative fee for search and photocopying costs may be charged for providing access.

This Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and the business environment.

It is the responsibility of our management to inform employees and other relevant parties that the Privacy Policy is maintained and enforced. Management must ensure that they periodically advise our employees and other relevant Third Parties of any changes to the Privacy Policy.

It is the responsibility of all employees and other relevant parties to ensure that they understand and comply with this Privacy Policy.

Ignorance of the existence of the Privacy Policy will not be an acceptable excuse for non- compliance.

All new employees are provided with timely and appropriate access to Paymay's Privacy Policy. All employees are required to attend training which covers our obligations under the Act, the APPs and Guidelines and the Code.

If you have any questions about our privacy procedures, or if you wish to make a complaint about how we have dealt with your personal information (including credit information) you may lodge a complaint with us in any of the following ways:

• by telephoning (02) 9676 1974
• by writing to - Privacy Officer, PO Box 42, Blacktown NSW 2148
• by emailing - headoffice@moneyplus.com.au

If you are not satisfied with our response to your complaint, you can contact the Australian Financial Complaints Authority ('AFCA') for an independent review. You can make a complaint by visiting AFCA's website www.afca.org.au.

You can also refer your complaint to the Office of the Australian Information Commissioner (OAIC). You can contact the Office of the Australian Information Commissioner:

• by telephoning - 1300 363 992
• by writing to - Director of Complaints, Office of the Australian Information Commissioner, GPO Box 5218, SYDNEY NSW 2001
• by emailing - enquiries@oaic.gov.au

We review this Policy at least annually and welcome comments and feedback to ensure it remains effective and up to date.

• the amount borrowed is less than $2,000, and
• the loan period is no longer than 30 weeks

1. are in need of a loan of an amount of less than $2,000 for any legal personal purpose;
2. can repay the loan in no longer than 30 weeks
3. have an acceptable credit history;
4. need a rapid response to the loan application;
5. are not in financial hardship;
6. does not receive Centrelink benefit as their sole income;
7. must have a job which results in payment of at least $250 per week;
8. have income paid directly into a bank account, and
9. have legal capacity to enter into a loan agreement.

We will not supply a SACC to any consumer:

1. who is not of legal capacity (either by age or mental or other disability);
2. who is in financial hardship (or who in our opinion is likely to be so within the foreseeable future);
3. who does not presently have the capacity to repay the loan within the expected loan length, or
4. where the loan, if provided, would not meet the consumer’s requirements or objectives.

Based on the description of the target market above, we believe that it is unlikely that the product will not meet the target market. Nevertheless, we will maintain a watch on the consumers who access the loans to ensure that the majority are within the target market. If they are not, we will review the product and change its key attributes to ensure that the target market is met.

It is intended that the sole method of distribution to consumers will be by us, as the credit provider, alone. Access will primarily be by way of our website or by making direct contact with us. We do not have authorised representatives, or agents for the purposes of distribution.

We will review this TMD on the occurrence of any of the following triggering events

• on there being a relevant amendment to National Consumer Credit Protection Act or any associated Act or Regulation which has the effect of significantly altering the rules relating to the provision of SACCs
• on the occurrence of a significant dealing. We will consider whether there has been a significant dealing:
  • where a significant proportion of consumers who take out a SACC are not in the target market;
  • there is actual or potential harm to those consumers who access to product and are not in the target market;
  • the extent to which the income gained from those outside the target market is different to those within the target market
  • the period of time over which those outside the target market took out SACCs
• on the occurrence of any of the following events:
  • the number of complaints to AFCA in relation to SACCs exceeding 0.5% of the number of SACCs entered into in any calendar month,
  • the number of internal complaints made by consumers in relation to SACCs exceeding 1% of the number of SACCs entered into in any calendar month,
  • the receipt of more than one letter from ASIC or any regulator in relation to the method of the provision of SACCs in any calendar month.
• If there is no other triggering event, each 12 months from the last review.

A triggering event will require the review to be undertaken within one month.

As noted above, we do not use distributors in the provision of SACCs to consumers. As a result, whilst the law requires a TMD to set out what information must be provided by distributors to us, in our view, this is not necessary. The TMD will be revisited if we commence distribution through a distribution network.

• the amount borrowed is between $2,001 and $5000, and
• the loan period is no longer than 26 weeks.

1. are in need of a regulated consumer loan of an amount of between $2,001.00 and $5,000.00 for any legal personal purpose;
2. can repay the loan in no longer than 26 weeks;
3. have an acceptable credit history;
4. need a rapid response to the loan application;
5. are not in financial hardship;
6. does not receive a Centrelink benefit as their sole income;
7. must have a job which results in payment of at least $250 per week;
8. have income paid directly into a bank account, and
9. have legal capacity to enter into a loan agreement.

We will not supply a MACC to any consumer:

1. who is not of legal capacity (either by age or mental or other disability);
2. who is in financial hardship (or who in our opinion is likely to be so within the foreseeable future);
3. who does not presently have the capacity to repay the loan within the expected loan length, or
4. where the loan, if provided, would not meet the consumer’s requirements or objectives.

Based on the description of the target market above, we believe that it is unlikely that the product will not meet the target market. Nevertheless, we will maintain a watch on the consumers who access the loans to ensure that the majority are within the target market. If they are not, we will review the product and change its key attributes to ensure that the target market is met.

It is intended that the sole method of distribution to consumers will be by us, as the credit provider, alone. Access will primarily be by way of our website or by making direct contact with us. We do not have authorised representatives, or agents for the purposes of distribution.

We will review this TMD on the occurrence of any of the following triggering events

• on there being a relevant amendment to National Consumer Credit Protection Act or any associated Act or Regulation which has the effect of significantly altering the rules relating to the provision of MACCs
• on the occurrence of a significant dealing. We will consider whether there has been a significant dealing:
  • where a significant proportion of consumers who take out a MACC are not in the target market;
  • there is actual or potential harm to those consumers who are not in the target market (for example, where a consumer could have obtained a loan at lower cost from a mainstream lender);
  • the extent to which the income gained from those outside the target market is different to those within the target market
  • the period of time over which those outside the target market took out MACCs
• on the occurrence of any of the following events:
  • the number of complaints to AFCA in relation to MACCs exceeding 0.5% of the number of MACCs in any calendar month,
  • the number of internal complaints made by consumers in relation to MACCs exceeding 1% of the number of MACCs in any calendar month,
  • the receipt of more than one letter from ASIC or any regulator in relation to the method of the provision of MACCs in any calendar month.
• if there is no other triggering event, each two years from the last review.

A triggering event will require the review to be undertaken within one month.

As noted above, we do not use distributors in the provision of MACCs to consumers. As a result, whilst the law requires a TMD to set out what information must be provided by distributors to us, in our view, this is not necessary. The TMD will be revisited if we commence distribution through a distribution network.

• the amount borrowed is between $5,001.00 and $6,000.00, and
• the loan period is no longer than 26 weeks.

1. are in need of a regulated consumer loan of an amount of between $5,001.00 and $6,000.00 for any legal personal purpose;
2. can repay the loan in no longer than 26 weeks;
3. have an acceptable credit history;
4. need a rapid response to the loan application;
5. are not in financial hardship;
6. does not receive a Centrelink benefit as their sole income;
7. must have a job which results in payment of at least $250 per week;
8. have income paid directly into a bank account, and
9. have legal capacity to enter into a loan agreement

We will not supply an OACC to any consumer:

1. who is not of legal capacity (either by age or mental or other disability);
2. who is in financial hardship (or who in our opinion is likely to be so within the foreseeable future);
3. who does not presently have the capacity to repay the loan within the expected loan length, or
4. where the loan, if provided, would not meet the consumer’s requirements or objectives.

Based on the description of the target market above, we believe that it is unlikely that the product will not meet the target market. Nevertheless, we will maintain a watch on the consumers who access the loans to ensure that the majority are within the target market. If they are not, we will review the product and change its key attributes to ensure that the target market is met.

It is intended that the sole method of distribution to consumers will be by us, as the credit provider, alone. Access will primarily be by way of our website or by making direct contact with us. We do not have authorised representatives, or agents for the purposes of distribution.

We will review this TMD on the occurrence of any of the following triggering events

• on there being a relevant amendment to National Consumer Credit Protection Act or any associated Act or Regulation which has the effect of significantly altering the rules relating to the provision of OACCs
• on the occurrence of a significant dealing. We will consider whether there has been a significant dealing:
  • where a significant proportion of consumers who take out a OACC are not in the target market;
  • there is actual or potential harm to those consumers who are not in the target market (for example, where a consumer could have obtained a loan at lower cost from a mainstream lender);
  • the extent to which the income gained from those outside the target market is different to those within the target market
  • the period of time over which those outside the target market took out OACCs
• on the occurrence of any of the following events:
  • the number of complaints to AFCA in relation to OACCs exceeding 0.5% of the number of OACCs in any calendar month,
  • the number of internal complaints made by consumers in relation to OACCs exceeding 1% of the number of OACCs in any calendar month,
  • the receipt of more than one letter from ASIC or any regulator in relation to the method of the provision of OACCs in any calendar month.
• if there is no other triggering event, each two years from the last review.

A triggering event will require the review to be undertaken within one month.

As noted above, we do not use distributors in the provision of OACCs to consumers. As a result, whilst the law requires a TMD to set out what information must be provided by distributors to us, in our view, this is not necessary. The TMD will be revisited if we commence distribution through a distribution network.

All materials within our Website, including but not limited to text, graphics, logos, images, and software, are the property of Moneyplus, our content suppliers or our licensors and are protected by Australian and international copyright and trademark laws. You are granted limited license to access to use our Website and Mobile Application to allow you to use our Services.

You acknowledge and agree that you do not acquire any ownership rights on the Website or Mobile Application. You may not use, reproduce, distribute, modify, or create derivative works of our Website or Mobile Application without our prior written consent.

We reserve the right to modify or update these Terms of Use from time to time by posting an updated version of these Terms of Use and changing the “Date Last Modified” above. Your continued use of the Website or Mobile Application after the posting of any changes constitutes your acceptance of the modified Terms of Use.

We collect and use personal information as described in our Privacy Policy. By accessing or using our Website or Mobile Application, you consent to the collection and use of your personal information as described in the Privacy Policy.

THE Website and Mobile Application IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE Website or Mobile Application, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You agree to indemnify and hold us harmless from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the Website or Mobile Application or any violation of these Terms of Use.

We may terminate or suspend your access to the Mobile Application, in whole or in part, at any time and without prior notice, for any reason or no reason. Upon termination, your right to use our Mobile Application will immediately cease.

These Terms of Use shall be governed by and construed in accordance with the laws of NSW, Australia. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of NSW, Australia.

Any disputes arising out of or related to these Terms or the Services shall be resolved by lodging a complaint to our complaint officer by calling 029621 8333 or sending an email to headoffice@moneyplus.com.au or writing to “The Complaint Officer, PO Box 42 Blacktown NSW 2148” or speaking to any representative of our business who will refer you to the Complaint Officer. You can refer our Website to lodge a complaint with us.

If we do not reach agreement on your complaint, you may refer the complaint to our external dispute resolution provider AFCA (Australian Financial Complaints Authority) PO Box A252 Sydney South NSW 1235 or online at www.afca.org.au

AFCA are a member of the ASIC Approved External Dispute Resolution (EDR) Scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints

If you have any questions or concerns about these Terms, please contact us at headoffice@moneyplus.com.au

These Terms of Use constitute the entire agreement between you and us regarding your use of our Website and Mobile Application and supersede any prior or contemporaneous understandings or agreements, whether oral or written.

IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY ALL OF THE FOREGOING TERMS, PLEASE DO NOT ACCESS AND/OR USE THE WEBSITE AND/OR MOBILE APPLICATION.