Privacy Policy

This policy sets out how Renown Lending Pty Limited (“Renown Lending”, “we”, “us”, “our”) collects, uses and discloses the personal information (including credit-related information) we hold about you.

Our Commitment to Protecting Your Privacy

We recognise that your privacy is important to you and that any personal information we collect about you will only be used for the purposes we have collected it for, or as allowed under the law. We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act), the Australian Privacy Principles (APPs), the Privacy (Credit Reporting) Code 2025 (CR Code), and any other relevant law.

1. What This Policy Covers

This policy outlines how we handle:

•   Personal information — information that identifies or could reasonably identify you; and
•   Credit-related information — including credit information, credit eligibility information and CP derived information as defined in the Privacy Act — in accordance with our obligations under the Privacy Act and the CR Code.

2. Types of Information We Collect

2.1 Personal Information

Personal information is information or an opinion from which your identity is reasonably apparent. The personal information we may collect includes:

2.2 Credit-Related Information

If you apply for finance or are acting as a guarantor, we may also collect details about dependants, cohabitants, length of residence, employment details, and proof of earnings and expenses.

3. Why We Collect Your Information

We collect and use your personal and credit-related information to:

•   Assess and process your application for finance and manage that finance
•   Establish your identity and comply with Know Your Customer (KYC) and AML/CTF obligations
•   Verify your identity, including via the Document Verification Service (DVS)
•   Screen against sanctions and Politically Exposed Persons (PEP) lists
•   Communicate with you about your account and our services
•   Manage risk and prevent fraud
•   Comply with our legal and regulatory obligations
•   Provide you with information about our products and services

If you do not provide us with the personal information we have requested, we may not be able to provide you with our products or services.

4. How We Collect Your Information

We collect information:

•   Directly from you — through applications, forms, calls, emails and meetings
•   From third parties — including CRBs, brokers, introducers, professional advisers, service providers and publicly available sources
•   Through electronic identity verification — using government services such as the DVS with your express consent (see section 10)

Where reasonable and practicable, we will collect your information directly from you.

5. Disclosing Your Information

We may disclose your personal and/or credit-related information to:

•   Credit reporting bodies (CRBs)
•   Prospective funders, lenders, assignees or other intermediaries in relation to your finance
•   Brokers, introducers and referral partners
•   Professional advisers including legal, accounting and valuation professionals
•   IT, infrastructure and cloud service providers
•   Mailing, printing, debt recovery and statement production providers
•   Any person who represents you, such as lawyers, accountants, finance brokers or persons holding power of attorney
•   Other guarantors or borrowers (where applicable)
•   Investors, agents, trustees or rating agencies with an interest in your finance or our business
•   Auditors, insurers and re-insurers
•   Government and regulatory bodies including AUSTRAC, where required by law
•   External dispute resolution agencies, tribunals or courts in connection with any dispute
•   Anyone where you have provided your consent

Prior to disclosing your information to a third party, we will take all reasonable steps to satisfy ourselves that the recipient has a commitment to protecting your personal information at least equal to our own, or that you have consented to the disclosure.

We do not disclose your personal information to third parties for the purpose of allowing them to send marketing material to you.

6. Notifiable Matters — Credit Reporting

The law requires us to advise you of the following notifiable matters regarding your credit-related information. You may request this policy, including these notifiable matters, in an alternative format by contacting us.

We exchange your credit-related information with CRBs to confirm your identity, assess your creditworthiness, assess your application for finance or your capacity to act as a guarantor, and manage your finance.

The information we may exchange with CRBs includes your identification details, the type and amount of credit you hold, whether you have met your repayment obligations, whether you have entered into a financial hardship arrangement, and whether you have committed a serious credit infringement.

If we seek information about you from a CRB in connection with a credit application (a “credit enquiry”), your consent to that enquiry is not required. A record of the credit enquiry may be used or disclosed for the purposes of assessing your creditworthiness, including calculation of a credit score. Multiple credit enquiries over a short period may negatively impact your credit score.

If you fail to meet your payment obligations or commit a serious credit infringement, we may disclose this information to a CRB.

You have the right to request access to the credit-related information we hold about you and to request a correction if needed (see section 12). You also have the right to make a complaint to us about the handling of your credit-related information (see section 14).

Sometimes your credit-related information may be used by CRBs for the purposes of pre-screening credit offers on behalf of other credit providers. You may contact the relevant CRB at any time to request that your information not be used in this way.

If you believe you may have been a victim of fraud, you may notify a CRB. CRBs must not use or disclose your credit-related information for 21 days after you advise them of this. You can contact the following CRB:

Equifax Pty Limited — www.equifax.com.au — 13 83 32 — Privacy policy: www.equifax.com.au/privacy

7. Sensitive Information

We will only collect sensitive information about you (including health information, racial or ethnic origin, criminal record or other sensitive categories as defined in the Privacy Act) with your consent, where required by law, or where necessary for our services.

If you are making a hardship application, we may ask you about medical conditions that are relevant to that application.

8. Security and Overseas Disclosure

We take reasonable steps to protect your personal and credit-related information from misuse, interference, loss, unauthorised access, modification or disclosure. This includes physical security measures (such as secure premises and locked storage) and technology security measures (such as firewalls, encryption, access controls and anti-virus software).

Information is stored in secure electronic systems and may also be held in paper form. We may use cloud storage, and some servers or service providers may be located outside Australia. Overseas recipients may be located in countries including the United States, the Philippines and Singapore

Before disclosing your information to an overseas recipient, we will take reasonable steps to ensure that:

•   The overseas recipient does not breach the APPs; or
•   The overseas recipient is subject to a law or binding scheme that provides a level of protection substantially similar to the APPs, with accessible enforcement mechanisms; or
•   You have consented to the disclosure.

Please be aware that overseas entities may be required to disclose your information to relevant foreign authorities under applicable foreign law.

9. Retention and Destruction of Information

We retain your personal and credit-related information only for as long as necessary for our business and legal obligations. In most cases, information is retained for a minimum of 7 years from the date of the last transaction or conclusion of your finance arrangement, in accordance with our AML/CTF and other regulatory obligations.

When your information is no longer required, we will take reasonable steps to securely destroy or permanently de-identify it.

10. Identity Verification — Document Verification Service (DVS)

To verify your identity, we may collect, use and disclose information derived from your government-issued documents (such as your Australian passport, driver’s licence, Medicare card, citizenship certificate or birth certificate) to the relevant government agency via the DVS, provided we have obtained your express consent.

Our use of the DVS may involve third-party systems and services, including Equifax. The DVS verifies your information by checking it against records held by the issuing government agency.

You may withdraw your consent at any time by contacting us. If you do not provide evidence of your identity or consent to DVS verification, we may be unable to provide products or services to you.

We do not collect or retain facial images for identity verification purposes. If this changes, we will inform you of how such images will be used, disposed of, and whether they will be retained.

For more information about the DVS, visit: www.dvs.gov.au

11. Direct Marketing

We may use your personal information to provide you with information about our services, products and offers that may be of interest to you.

You may opt out of receiving marketing communications at any time by:

•   Calling us on 1300 626 771
•   Writing to us at admin@renownlending.com
•   Using the unsubscribe function in any marketing email

We will not charge you for processing your opt-out request and will action it as soon as reasonably practicable.

12. Access and Correction

You are entitled to request access to the personal and/or credit-related information we hold about you and to request a correction if it is inaccurate, incomplete or out of date. We will take reasonable steps to ensure that the information we hold is accurate, complete and up to date.

Requests must be made in writing to admin@renownlending.com. We may require you to verify your identity before providing access. We will respond in accordance with the Privacy Act and the CR Code. We may charge a reasonable fee for retrieving and supplying information to you.

If we decline your request for access, we will provide a written explanation.

13. Notifiable Data Breaches

We are subject to the Notifiable Data Breaches (NDB) scheme under the Privacy Act. In the event of an eligible data breach that is likely to result in serious harm to affected individuals, we will notify those individuals and the Office of the Australian Information Commissioner (OAIC) as soon as practicable in accordance with the NDB scheme.

14. Complaints

If you are not satisfied with how we have handled your personal and/or credit-related information, or you have a complaint about our compliance with the Privacy Act or CR Code, you have the right to make a complaint.

You may contact us by:

•   Phone: 1300 626 771
•   Email: admin@renownlending.com
•   Post: 217 Flinders Street, Adelaide SA 5000

We will acknowledge your complaint within 7 days and aim to provide a decision within 30 days. If we are unable to resolve your complaint within 30 days, we will notify you in writing.

If you are not satisfied with our response, you may escalate your complaint to:

Australian Financial Complaints Authority (AFCA) GPO Box 3, Melbourne VIC 3001 Phone: 1800 931 678 | Email: info@afca.org.au | Web: www.afca.org.au

Office of the Australian Information Commissioner (OAIC) GPO Box 5288, Sydney NSW 2001 Phone: 1300 363 992 | Email: enquiries@oaic.gov.au | Web: www.oaic.gov.au

15. Anonymous Dealings

Where it is lawful and practicable to do so, we will offer you the opportunity to interact with us without identifying yourself — for example, when making general enquiries about our services or current rates. However, we are required to verify your identity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) for most of our services.

16. Cookies and Website Data

Our website uses cookies and similar technologies to improve user experience and analyse website traffic. We may use third-party analytics tools in connection with this. You can manage or delete cookies through your browser settings. Disabling cookies may affect your ability to use certain features of our website.

17. Children

Our website and services are not directed at children under the age of 18. We do not knowingly collect or hold personal information about anyone under 18.

18. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or applicable law. The latest version will always be available on our website. You may request this policy in an alternative format by contacting us.

19. Contact Us

Renown Lending 217 Flinders Street, Adelaide SA 5000

Phone: 1300 626 771

Email: admin@renownlending.com