PRIVACY STATEMENT AND CONSENT

In handling your personal information Excel Financial Solutions is committed to complying with the Privacy Act 1988 and the Australian Privacy Principles.

How and why we collect your personal information
We collect personal information from you when you apply for or use our products and services. In particular, we collect it so we can:

• provide you with the products and services you require, which may include financial and insurance products and services; and
• provide you with information about products and services available to you from and associated businesses.

Providing Your Personal Information to Other Organisations
In providing products and services to you it may be necessary for us to provide your personal information to other organisations with which we conduct business. This includes Outsource Financial Pty Ltd (ACN 131 090 705) which is our mortgage aggregator.

Other such organisations include related entities, mortgage managers, lenders, solicitors and legal advisers, accountants and auditors, printers and mailing services, insurers, collection agents, conveyancers and government agencies which regulate our products and services.

Your personal information is only provided to those entities to the extent necessary to enable us to provide our products and services to you.

Consent to provide your personal information to a credit reporting body (CRB)
If you consent to us doing so, we may obtain a report or information about your consumer or commercial credit worthiness from a CRB, we may disclose personal information such as your name, date of birth, drivers licence and address to the CRB to obtain an assessment of whether that personal information matches the information held by it.

Marketing Information
If you consent to us doing so, we may provide you with information from time to time about new products and services available to you from Excel Financial Solutions or other businesses with whom we have a relationship. Your consent to our providing this information to you will be implied unless you notify us that you do not wish to receive this information.

If your personal information is not provided
In order to provide products and services to you and to assist you in applying for a home loan and related products and securities, we require information about you. If you do not provide us with all of the information we request we may be unable to supply to you the product or service that you require.

Your rights
The Privacy Act gives you rights to access the personal information we hold about you, and you can ask us to correct the information if it is inaccurate. You can gain access to the information we hold about you by contacting us at 0433 197 164
or Outsource Financial Pty Ltd on 1300 781 481.