• 'Credit information' is personal information (other than sensitive information) that relates to an individual's credit history or credit worthiness, and is further defined in the Privacy Act. Credit information includes information that we have obtained from Third Parties, including individuals, other credit providers and credit reporting bodies ('CRBs');
• 'Disclosure' of information means providing information to persons outside Paymay;
• 'Individual' means all persons whose personal information we collect, use or disclose.
• '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. Contact details are Rose Gundogan, phone (02) 9676 1974 or e-mail headoffice@moneyplus.com.au;
• '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; and
• 'Use' of information means use of information within Paymay.

• name;
• date of birth;
• address;
• phone numbers;
• email addresses;
• occupation and pay slips;
• bank account details and account statements;
• drivers license details;
• marital status and dependents;
• financial and credit information, including:
  • details of assets, liabilities, income, expenses;
  • information about an individual's consumer credit liabilities, such as the name of an entity that has provided the individual with credit, the date of the credit was provided and the maximum amount of credit made available;
  • information about an individual's repayment history, such as whether the individual was late in making a monthly repayment and when repayments were due;
  • the type and amount of credit sought by an individual in an application;
  • whether the individual is 60 days or more overdue in making a repayment of $150 or more;
  • whether the individual has repaid overdue payments;
  • information about new credit arrangements the individual has entered into as a result of defaulting in repayments;
  • information about court judgements against the individual in relation to credit that has been provided to them;
  • publicly available information that relates to the individuals credit worthiness;
  • information recorded in the National Personal Insolvency Index about the individual;
  • our opinion as to whether the individual has committed a serious credit infringement in relation to consumer credit provided by us;
  • any other personal information that may impact our assessment of the individual's credit worthiness; and
• any other information that is relevant to the services that we provide.

We generally collect personal information directly from the individual. For example, personal information will be collected when an individual applies for credit or opens an account with us, visits our website, or sends us correspondence. Sometimes we may need to collect personal information about an individual from a third party, such as other credit providers or a credit reporting body ("CRB"). When we are provided with personal information from a third party, we will take reasonable steps to ensure that the individual is made aware of the matters set out in this Privacy Policy.

Paymay will not collect sensitive information unless the individual has consented or an exemption under the APPs applies. These exceptions include if the collection is required or authorised by law or necessary to take appropriate action in relation to suspected unlawful activity or serious misconduct.

If the personal information we request is not provided, we may not be able to process an individual's application for credit, or meet an individual's needs appropriately.

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

Paymay may receive unsolicited personal information about individuals, Paymay's employees are required to notify the Privacy Officer of all unsolicited personal information received by them. We destroy or de-identify all unsolicited personal information, unless the personal information is relevant to Paymays purposes for collecting personal information.

We may collect personal information about the following individuals:

• customers;
• potential customers;
• service providers or suppliers;
• prospective employees, employees and contractors; and
• other Third Parties with whom we come into contact.

We collect personal information from our website (www.moneyplus.com.au) when we receive emails and online account application forms. We may also use third parties to analyse traffic at that web site, which may involve the use of cookies. Information collected through such analysis is anonymous. Our website privacy policy can be accessed on our website,www.moneyplus.com.au

We may collect and hold information about individuals for the following purposes:

• to assist Paymay in providing a product or service to an individual;
• to verify your identity, and your financial situation;
• to assess whether our products or services are suitable for you;
• to assess any applications by an individual for credit;
• managing credit provided to an individual, or collecting overdue payments;
• to provide individuals with information about a product or service and also to invite individuals to marketing events;
• to protect our business and other customers from fraudulent or unlawful activity;
• to conduct our business and perform other management and administration tasks;
• to consider any concerns or complaints individuals may have;
• manage any legal actions involving Paymay;
• to comply with relevant laws, regulations and other legal obligations; and
• to help us improve the products and services offered to an individual, and to enhance our overall business.

Paymay 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 7 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).

We engage other people to perform services for us, which may involve that person handling personal information we hold. In these situations, we prohibit that person from using personal information about the individual 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 also undertake to 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 of Paymay;
• 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 individuals 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.

In relation to credit information held by us, we will only use and disclose credit information for the following purposes:

• 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 body corporate;
• 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).

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 do not disclose personal information to overseas entities, unless:

• we have taken reasonable steps to ensure the recipient does not breach the Act, the APPs, Guidelines and the Credit Reporting Privacy Code;
• the recipient is subject to an information privacy scheme similar to the Privacy Act; or
• the individual has consented to the disclosure.

The APPs require us to take all reasonable steps to protect the security of personal information, including credit information. Paymay employees must respect the confidentiality of the personal information we collect.

Paymay takes 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. In relation to our customer database, we apply the following guidelines:

• data ownership is clearly defined within Paymay;
• passwords are routinely checked;
• we change employees access capabilities when they are assigned to a new position;
• employees have restricted access to certain sections of the system;
• the system automatically logs and reviews all unauthorised access attempts;
• the system automatically limits the amount of personal information appearing on any one screen;
• unauthorised employees are barred from updating and editing personal information;
• all personal computers which contain personal information are secured, physically and electronically;
• data is encrypted during transmission over the network;
• print reporting of data containing personal information is limited;
• Paymay has created procedures for the disposal of personal information; and
• personal information is overwritten to the extent possible when the information is no longer required.

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, Paymay 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.

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

Individuals may also request that Paymay provides them with the source of their information. If such a request is made, Paymay must notify the individual of the source of the information free of charge within a reasonable period of time.

We will not use identifiers assigned by the Government, such as a tax file number, Medicare number or provider number, for our own file recording purposes, unless one of the exemptions in the Privacy Act applies. Paymay endeavours to avoid data-matching.

Paymay takes reasonable steps to ensure that the personal information, including credit information, it collects, uses and discloses 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.

Subject to the exceptions set out in the Privacy Act, individuals may gain access to the personal information, including credit information, which Paymay holds about them by contacting the Paymay Privacy Officer; Rose Gundogan , phone (02) 9676 1974 or e-mail headoffice@moneyplus.com.au. We will provide access within 30 days of the individual's 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 the offices of Paymay. 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 Paymay's management to inform employees and other relevant parties that the Privacy Policy is maintained and enforced. Management must ensure that they periodically advise Paymay's 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 provided with opportunities to attend privacy training, which covers Paymay's obligations under the Act, the APPs and Guidelines and the Code. Employees must ensure that they understand the Privacy related issues that could adversely affect Paymay and its customers if not properly handled.

Privacy breaches must be reported immediately to management by employees and relevant Third Parties. Employees or other relevant Third Parties that do not comply with Paymay's Privacy Policy may be subject to disciplinary action.

Paymay has an effective complaints handling process in place to manage privacy risks and issues.

The incidents/complaints handling process involves:

• handling individual complaints about privacy quickly and effectively, in a way that increases consumer confidence in our privacy procedures; and
• identifying (and addressing) any systemic compliance problems.

Individuals can make a complaint to Paymay about the handling of their personal information, including credit information, by lodging a complaint with the Privacy Officer.

If you are unsatisfied 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/.

22. CONTRACTUAL ARRANGEMENTS WITH THIRD PARTIES

Paymay must ensure that all contractual arrangements with third parties adequately address privacy issues. Paymay will make third parties aware of this Privacy Policy.

Third parties will be required to implement policies to ensure they comply with the Privacy Act, including:

• regulating the collection, use and disclosure of personal and sensitive information;
• de-identifying personal information wherever possible;
• ensuring that personal information is kept securely, with access to it only by authorised employees or agents of the third parties; and
• ensuring that the personal information is only disclosed to organisations which are approved by Paymay.

Paymay will conduct periodic privacy audits in order to ensure that it is continuing to comply with its obligations under the APPs.

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 - Paymays Privacy Officer, PO Box 42, Blacktown NSW 2148
• by emailing - headoffice@moneyplus.com.au

If you are not satisfied with the result of your complaint to Paymay 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 are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.

As a consequence we may change this privacy policy from time to time or as the need arises. Paymay will take reasonable steps to inform you of changes to the policy.

You may request this privacy policy in an alternative form.

This Privacy Policy came into existence on 12 March 2014 and has been amended as required.