In this Privacy Policy, "we", "us" and "our" refer to SKR GLOBAL FINANCE PTY LTD.

This Privacy Policy explains how we collect, use, disclose and manage your personal information in accordance with:

• The Privacy Act 1988 (Cth)
• The Australian Privacy Principles (APPs)
• Where applicable, Division 3 of Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014

We are committed to handling your personal information lawfully, fairly and transparently when providing mortgage broking and credit assistance services.

We collect and hold your personal information for purposes including:

• Assessing your application for finance
• Providing credit assistance and loan recommendations
• Submitting applications to lenders
• Managing and administering your finance
• Maintaining our ongoing relationship with you
• Direct marketing (unless you opt out)
• Compliance with legal and regulatory obligations
• Meeting obligations under Anti-Money Laundering and Counter-Terrorism Financing laws
• Comprehensive consumer credit reporting obligations

If you do not provide required information, we may not be able to assist with your finance application.

The personal information we collect may include (but is not limited to):

Personal & Contact Details

• Full name
• Date of birth
• Residential and postal address
• Phone number and email address

Identity Verification

• Driver's licence
• Passport
• Birth certificate
• Citizenship documents
• Visa status
• Marriage certificate (if applicable)

Government Identifiers

• Tax File Number (where required by law)
• Country of tax residency

Financial Information

• Employment details
• Income and payslips
• Bank statements
• Assets and liabilities
• Superannuation details
• Living expenses

Credit Information

• Credit reports
• Repayment history
• Defaults or credit enquiries

If you apply jointly, we may collect information about your co-applicant, dependants, and household members.

We will only collect health information where required (for example, insurance products) and only with your consent.

We do not intentionally collect sensitive information such as political or religious beliefs.

We may collect personal information from:

• Credit reporting bodies
• Lenders and financial institutions
• Our aggregator or compliance provider
• Accountants, solicitors or financial advisers (with your consent)
• Identity verification services
• Public registers and publicly available sources
• Referees or employers

We will only collect information from third parties where permitted by law or with your consent.

We collect personal information:

• Directly from you (forms, emails, phone calls, meetings, website enquiries)
• Through electronic verification systems
• Through our CRM and compliance systems
• Via secure online application portals

Where we are legally required to collect information (for example, identity verification under AML/CTF legislation), we will inform you of the obligation and consequences of not providing it.

If you provide information about another person, you must ensure that:

• You are authorised to provide it
• They consent to us collecting and handling their information under this Policy

You may browse our website anonymously.

However, where we are legally required to verify your identity (for example, when providing credit assistance), we cannot deal with you anonymously.

We use your personal information to:

• Assess and submit loan applications
• Recommend suitable credit products
• Provide financial and mortgage broking services
• Comply with regulatory requirements
• Manage complaints
• Provide direct marketing (unless opted out)

We may disclose your personal information to:

• Lenders and credit providers
• Mortgage insurers (LMI providers)
• Credit reporting bodies
• Our aggregator and compliance provider
• Valuers
• Solicitors and accountants
• IT service providers and CRM providers
• Identity verification services
• Government regulators (e.g., ASIC, AUSTRAC)
• Law enforcement where required
• Professional advisers
• Successors in title or business partners

You consent to us disclosing your information to these entities where reasonably necessary to provide our services.

We may contact you about:

• Refinancing opportunities
• Interest rate updates
• Government grants and incentives
• New products or services

We may communicate via:

• Email
• SMS
• Phone
• Social media
• Website advertising

You may opt out at any time by emailing: sandeep@skrglobal.com.au

We will not charge you for opting out.

Credit information includes details about:

• Your credit history
• Repayment conduct
• Defaults
• Credit enquiries

We may obtain credit reports from credit reporting bodies such as:

• Equifax
• Experian
• illion

This information is used to assess your eligibility for finance.

We take reasonable steps to protect your information from:

• Misuse
• Interference
• Loss
• Unauthorised access
• Modification or disclosure

Security measures include:

• Secure CRM systems
• Password-protected digital storage
• Restricted staff access
• Secure destruction of records
• Encryption where appropriate

We may retain information where required under legislation such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

We may collect aggregated, non-personal statistics from social media platforms where you interact with our business pages.

Some of our service providers (such as CRM or IT platforms) may store information overseas.

Where cross-border disclosure occurs, we take reasonable steps to ensure the overseas recipients handle your information consistently with Australian privacy standards.

However, overseas recipients may not be subject to equivalent privacy laws.

You have the right to:

• Request access to your personal information
• Request correction of inaccurate or outdated information

Requests can be made via:

sandeep@skrglobal.com.au

We will respond within 30 days.

We may refuse access or correction in circumstances permitted by law and will provide written reasons if this occurs.

If you have a privacy concern or complaint, please contact us:

Privacy Officer — SKR GLOBAL FINANCE PTY LTD

Email: sandeep@skrglobal.com.au

We will acknowledge your complaint promptly and aim to resolve it within 30 days.

If you are not satisfied, you may contact:

Office of the Australian Information Commissioner

Website: www.oaic.gov.au

Phone: 1300 363 992

Mail: GPO Box 5218, Sydney NSW 2001

If an eligible data breach occurs that is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner as required under the Privacy Act.

We may update this Privacy Policy from time to time. The current version will always be available on our website.