Credit reporting policy

This policy explains how Suffice Finance Pty Ltd handles credit-related personal information under Part IIIA of the Privacy Act 1988 (Cth), the Privacy Regulation 2013 and the Privacy (Credit Reporting) Code 2025. It also sets out the matters we are required to notify you about when we collect information that may be disclosed to a credit reporting body, and is our statement of notifiable matters.

The credit reporting bodies we use

The credit reporting bodies we may deal with are:

• Equifax Australia: 13 8332 · equifax.com.au
• Experian Australia: 1300 783 684 · experian.com.au

Each body publishes a credit reporting policy on its website explaining how it manages credit-related information.

Your rights with the credit reporting bodies

• Free credit report. You can obtain a copy of your credit report from each body free of charge once every three months, and also free if you've been refused credit in the past 90 days, or after information about you has been corrected.
• Correction. You can ask us or a credit reporting body to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading. Correction requests are generally resolved within 30 days.
• Fraud ban periods. If you believe you have been, or are likely to be, a victim of fraud, you can ask a credit reporting body to place a ban on your file, free of charge. An initial ban lasts 21 days and can be extended, and the bodies offer a free notification service that alerts you if anyone tries to access your report during a ban.
• Direct marketing pre-screening. You can ask a credit reporting body not to use your credit information to pre-screen you for credit providers' direct marketing.

What credit information we handle

• identification information;
• information about credit you have applied for or hold, including the type and amount of credit;
• repayment history information and financial hardship information;
• default information and payment information;
• court proceedings, personal insolvency and serious credit infringement information, where relevant; and
• credit scores and assessments derived from the above.

Why we handle it

We collect, use and disclose credit information to assess your application for consumer credit, to manage your loan, to meet our responsible lending obligations, to collect overdue payments, and as otherwise permitted or required by law.

Notifiable matters

• We may disclose your credit information to, and obtain it from, the credit reporting bodies named above. Your consent is not required for these disclosures; they are permitted under the Privacy Act.
• When we make an enquiry about you, the credit reporting body records it. That enquiry record may be used and disclosed in assessing your creditworthiness, including in calculating credit scores. In general terms, a large number of enquiries in a short period can lower a score.
• The credit reporting bodies may include your information in reports they provide to other credit providers to help them assess your creditworthiness.
• If you fail to meet your payment obligations or commit a serious credit infringement, we may disclose that to a credit reporting body.
• If you enter a financial hardship arrangement with us, financial hardship information may be reported alongside your repayment history. See our financial hardship page for what this means. A hardship arrangement is not a default.
• You can obtain a copy of this policy and of the credit reporting bodies' own policies about how they manage credit information.
• You have the right to access your credit information, request correction, and complain to us about how it is handled.
• You can ask a credit reporting body not to use your information for pre-screening of direct marketing by credit providers.
• If you believe you have been, or are likely to be, a victim of fraud, you can ask a credit reporting body to place a ban period on your file, free of charge.

Overseas disclosure

We are not likely to disclose credit information or credit eligibility information to entities that do not have an Australian link. If that position changes, we will update this policy and, where practicable, name the relevant countries.

Access, correction and complaints

To access or correct your credit information, or to complain about how we have handled it, contact our Privacy Officer (details in our privacy policy). If you are not satisfied with our response, you may take your complaint to the Australian Financial Complaints Authority (see complaints & disputes) or the Office of the Australian Information Commissioner.

A hard copy of this policy is available on request, free of charge.