Privacy Policy

Your access to and reliance on our website is subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers any other terms and conditions or other statements contained on our website. In these Terms and Conditions of Use, the expressions we, us and our are a reference to Total Lifestyle Credit Pty Ltd (Australian Credit License Registration Number 509691) and any related entity.

Our commitment to protect your privacy

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Our commitment to protect your privacy We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it for as allowed by law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant laws.

Personal information

When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you.

The kinds of personal information we may collect about you include your title, date of birth, address, email address, phone number, account details, occupation, and any other information we made need to identify you.

If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.

The personal information we collect and hold about you may include credit information. Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

If you want to make purchases from or through us, we will also collect your payment information. We will also collect this information if we need to make payments to you.

Why we collect your personal information

We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services. We collect payment information in order to process your payments. To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, our insurance partners, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting bodies, recoveries firms, debt collectors and lawyers. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.

How do we collect your personal information?

Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from credit reporting bodies, finance brokers and other people such as accountants, lawyers and referees.

Do we disclose your personal information?

We may disclose your personal information:

to prospective funders or other intermediaries in relation to your finance requirements;

to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres, lenders mortgage insurers, trade insurers and credit reporting bodies;

to associated businesses that may want to market products to you;

to companies that provide information and infrastructure systems to us;

to anybody who represents you, such as finance brokers, lawyers and accountants;

to anyone, where you have provided us consent;

where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth) or in accordance with a subpoena or summons issued by a court;

to investors, agents or advisers, or any entity that has an interest in our business; or

to your employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or you have consented to us making the disclosure. We use cloud storage to store personal information that we hold. The cloud storage and the IT servers may be located outside Australia. We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.

Credit information

We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities:

credit liability information being information about your existing finance which includes the title of the credit provider, whether the credit provider holds an Australian Credit Licence, the type of finance, the day the finance is entered into, the terms and conditions of the finance, the maximum amount of finance available, and the day on which the finance was terminated;

repayment history information which is information about whether you meet your repayments on time;

information about the type of finance that you are applying for;

default and payment information;

and court proceedings information.

This credit information may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store the credit information we hold about you. When we obtain credit information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed. We may disclose your credit information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us

Notifiable matters

The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information. You may request to have these notifiable matters (and this privacy policy) provided to you in an alternative form. We exchange your credit information with credit reporting bodies. We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance and manage your finance. If you fail to meet your payment obligations in relation to any finance that we have provided or arranged, or you have committed a serious credit infringement then we may disclose this information to a credit reporting body. You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see the heading Access and correction to your personal and credit information below. Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way. You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies for more information: com.au, com.au, or com.au.

Direct marketing

From time to time we may use your personal information to provide you with current information about finance offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated. If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting us. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request within a reasonable timeframe.

Updating your personal information

It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you, we may ask you to inform us if any of your personal information has changed.

If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate and complete.

Access and correction to your personal and credit information

We will provide you with access to the personal and credit information we hold about you. You may request access to any of the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you. We aim to respond within 30 days of receiving your request. We may need to contact other entities to properly investigate your request. There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. An explanation will be provided to you if we deny you access to the personal information we hold about you. If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. We aim to provide you with details about whether we have corrected the personal information within 30 days of receiving your request. We may need to consult with other entities as part of our investigation. If we refuse to correct personal information we will provide you with our reasons for not correcting the information.

Using government identifiers

When we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law. We will never use a government identifier to identify you.

Business without identifying you

In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

Sensitive information

We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe and secure is your personal information that we hold?

We will take reasonable steps to protect your 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.

Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact us. We will acknowledge your complaint within two business days. We aim to provide you with a decision on your complaint within 30 days.

If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, the Credit and Investments Ombudsman (CIO) which can be contacted on either www.cio.org.au or 1800 138 422; or the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992. Credit Guide

Further information

You may request further information about the way we manage your personal or credit information by contacting us.

Change in our privacy policy

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 marketplace practices. As a consequence we may change this privacy policy from time to time or as the need arises. You may request this privacy policy in an alternative form. This Privacy Policy came into existence on July 2025.

PRIVACY DISCLOSURE STATEMENT & CONSENT

Overview

National Finance Choice Pty Ltd, ABN 95 156 544 464, Australian Credit Licence 423002, United Financial Services Pty Ltd, ABN 77 072 442 445, Australian Credit Licence 386927, United Financial Services Network Pty Ltd, ABN 47 095 911 283, Australian Credit Licence 386932 and United Financial Services (QLD) Pty Ltd, ABN 43 073 887 813, Australian Credit Licence 386930, a subsidiary of COG Aggregation ACN 124 319 857, (‘we’, ‘us’, ‘our’) collect personal information about you for the purposes set out in this Privacy Disclosure Statement and Consent (‘Consent’). When you sign below, you agree we can collect, hold, use and exchange personal information about you for these purposes. Your personal information will not be disclosed other than as set out in this Consent, unless we have your permission or we are permitted to do so by law. Please note that if expense splitting applies to your credit application then ‘you’ and ‘yours’ also includes ‘Partner’ unless stated otherwise.

What is Personal Information?

‘Personal Information’ is information or an opinion about an identifiable person or a person who is reasonably identifiable. The Personal Information we collect may include your personal details, contact information. And your driving and insurance history. Credit information, such as your credit history (including information about your past experiences with us and credit providers, the kinds of credit products you have had or sought, how you have managed your obligations, information contained in a credit report about you, and information about your credit worthiness based on a credit report about you).

Personal Information of another person

1. Expense Splitting with Partner and Personal Information

If any consumer or commercial credit application involves Expense Splitting i.e. splitting variable or fixed expenses between you and your Partner to support a credit application, then you and your Partner must sign a Partner Consent.

1. Other persons’ Personal Information

If you provide us with Personal Information about another person, not your Partner where expense splitting applies such as a co-worker or guarantor, you acknowledge that you are authorised to do so and agree to inform the person that we have collected their Personal Information, and provide them with a copy of the Consent.

Why we collect your Personal Information

We collect, hold and use credit related Personal Information to:

1. assess and verify your identity and your financial situation
2. assess your consumer or commercial credit application, including any proposed expense splitting with your Partner or your suitability as a guarantor;
3. provide Personal Information about you to a guarantor / applicant, or prospective guarantor / applicant;
4. exchange your <but not your Partner’s> Personal Information with a Credit Reporting Body (‘CRB’);
5. disclose your Personal Information to one or more credit provider(s) set out in the Schedule to arrange consumer credit or commercial credit;
6. disclose your Personal Information to an insurer(s) to arrange any insurance you wish to obtain; and
7. obtain from, and disclose to, another third party such as your employer, a work colleague information about you, the applicant(s) or guarantor(s), that is reasonably necessary to arrange for finance and / or insurance.

If we cannot collect and use your Personal Information, or are unable to verify your identity, we may be unable to process a credit application.

Identity Verification & Financial Situation

We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) to identify you. We are also required by the National Consumer Credit Protection Act 2009 to collect personal information about you to learn about and verify your financial situation. For those purposes, we may disclose personal information to a CRB.

If you do not wish for us to verify your identity in this way, please contact us so that we may identify you by other means.

Disclosures – General

We may disclose or exchange your Personal Information with potential credit providers and the issuer of any insurance products which are the subject of an application. We may also exchange Personal Information with others to verify that it is correct (for example an employer), our related body corporates, assignees, agents, contractors and external advisers; organisations for verifying your identity; your agents, advisers, guardians or attorneys; law enforcement, regulatory and government bodies; anyone who introduces you to us; any person we consider necessary to execute your instructions; guarantors and persons with whom you make a joint application; any financial institution to or from which a payment is made in relation to your application; and debt collection agencies. We will not disclose your Personal Information, including your credit information, to overseas recipients.

Your Information – Collection and Credit Reporting Body (CRB) Disclosures

We, or a credit provider may exchange Personal Information with a CRB as follows:

• disclose Personal Information (including name, residential address and date of birth) to a CRB to obtain a credit report on an applicant's or guarantor's behalf. In doing so we will be acting in our capacity as an access seeker;
• use any Personal Information a CRB provides in that report to assist us to preliminarily assess a credit application or a guarantor; and
• request a CRB provide us with an assessment of whether the Personal Information provided to us matches (in whole or part) the Personal Information contained in a credit information file, thereby verifying identity.

You should also be aware that by signing this Consent you agree:

• to a CRB disclosing Personal Information to one or more credit providers specified in the Schedule of Credit Providers below for the purpose of assessing an application for credit;

• where you are a prospective guarantor, a credit provider using that Personal Information to assess your suitability as a guarantor;

• to a credit provider disclosing your Personal Information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor;

• to a credit provider disclosing to another credit provider, for a particular purpose, Personal Information it holds about you; and

• where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your Personal Information, in addition to the company’s information collected as disclosed above.

Our current CRB is Equifax, and you can contact Equifax by telephone on 1300 762 207 or email at SubscriberAssist.au@equifax.com Equifax’s opening hours are Mon-Fri, 8.30am-6pm EST.

Disclosures – Credit Providers

We may submit an application to one or more credit providers. Please refer to the Schedule in this document for the credit providers we use and their website addresses.

If a credit provider holds credit eligibility information, a type of Personal Information, the credit provider, must, on request by an access seeker, such as yourself or a person authorised to act on your behalf, share that with the access seeker.

The website of each credit provider contains the details of each CRB with which it deals and other details about the Personal Information held and describes a person's key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’.

If you have any questions about any of our credit providers’ privacy or credit reporting policies, you should visit their website. If your application proceeds with a particular credit provider, you will be asked again for your consent to collect and use your Personal Information by that credit provider.

Important Information

Our Privacy Policy and Credit Reporting Policy contains important information about how you can access and correct the Personal Information we hold (including credit eligibility information) and how you can make a complaint if you think we have not complied with the Privacy Act 1988 (Cth) or the Privacy (Credit Reporting) Code 2024 (Version 1.2).

Our policies, and those of the credit providers, contain other important information including:

• that CRBs may include the Personal Information we and your credit provider discloses about you to other credit providers to assess your credit worthiness;

• that, if you become overdue in making consumer credit payments or you commit a serious credit infringement, your credit provider may disclose that Personal Information to a CRB;

• how you can obtain our, the credit provider’s and/or CRB’s policies about managing your credit information;

• your right to access and/or correct Personal Information held about you and to complain about conduct that may breach the privacy and credit reporting laws;

• your right to request that a CRB not undertake pre- screening for purposes of direct marketing by a credit provider; and

• your right to request that a CRB not release Personal Information about you if you believe you are or may become a victim of fraud.

Your rights

You have the right to ask:

• that we provide you with the Personal Information we hold about you;
• that we correct the Personal Information we hold if it is inaccurate, incomplete and/or incorrect;
• for copies of our Privacy Policy, Credit Reporting Policy and this document, in a form that suits you (e.g. hardcopy or email);
• the CRB not to use your information for direct marketing assessment purposes, including pre-screening; and
• the CRB to provide you with a copy of the information it holds about you.

To access and seek correction of your Personal Information, or make a complaint about privacy, you can contact our Privacy Officer as follows:

Phone: 1300 887 754

Email: compliance@cogaggregation.com.au

Mail: Privacy Officer

COG Aggregation

1 Elgin Place

Hawthorn Vic 3122

Our Privacy Policy contains information about how you may complain about a breach of your privacy and how that complaint will be dealt with.

For more information on our Privacy Policy and Credit Reporting Policy please visit www.natfin.com.au or request a copy from a staff member.

In some cases an administration fee may be charged to cover our reasonable costs to provide information to you.

Marketing

We, our related companies and our selected business partners would like to provide you, or the company of which you are a director, with direct marketing information about the products and services we believe you will be interested in. You can opt-out of receiving direct marketing communications from us at any time.

Electronic communications

If you provide us with an email address or mobile phone number, you consent to us using those details to send you, or make available to you to access, notices and documents - including a credit guide from credit provider(s) and a financial services guide and product disclosure statement from any insurer. You are responsible for ensuring that you maintain the appropriate software and hardware, to access, view,

retrieve, print and save a copy of such documents.

This consent and authority will apply to all communications

permitted to take place electronically by law. Paper documents may no longer be given, unless we are legally obliged to give you these in hard copy. Electronic addresses must be regularly checked for notices or other communications from us. Your email must not block our notices and communications. You must also ensure that your email address or mobile phone number remains current and we rely on you to notify us of any changes in those contact details. You should nominate an email address or mobile phone number which is only accessible by you, rather than, for example, one which is accessible by your work colleagues or family members. Your consent to electronic communication may be withdrawn at any time by notifying us via phone on 1300 887 754.

SCHEDULE OF CREDIT PROVIDERS

National Finance Choice Pty Ltd

United Financial Services Pty Ltd

United Financial Services Network Pty Ltd

United Financial Services (QLD) Pty Ltd

Credit Provider	ABN and / or ACN	Website
Latitude Automotive Financial Services t/as Latitude Financial Services	80 004 187 419	latitudefinancial.com.au
Latitude Personal Finance Pty Ltd	54 008 443 810	latitudefinancial.com.au