QUICKZY PRIVACY COLLECTION NOTICE AND CONSENT

Introduction

This document is a Privacy Collection Notice required by Australian privacy law, including section 21C of the Privacy Act 1988 (Cth). The governing legislation includes the Privacy Act 1988 (Cth) as amended by the Privacy and Other Legislation Amendment Act 2024; Australian Privacy Principles (APPs); Privacy (Credit Reporting) Code 2025; and the National Consumer Credit Protection Act 2009 (Cth).

This document provides important information about how Pod 3 Finance Pty Ltd ABN: 55 661 632 702 T/A Quickzy Finance (“QUICKZY”, “we”/“us”/“our”) deals with your personal information, credit information, and (where applicable) sensitive information.

This document must be provided to you before QUICKZY can process your:

• loan or credit application;
• guarantee application; or
• hardship variation application.

This document should be read together with QUICKZY's Privacy and Credit Reporting Policy, which is available on request. The Privacy and Credit Reporting Policy contains additional details about how QUICKZY manages your information.

This document has two parts:

• Part A — Privacy Collection Notice: explains what information we collect, why we collect it, who we share it with, and what your rights are.
• Part B — Consent: sets out the consents you provide when you sign, click, or otherwise acknowledge this document.

By signing, clicking, or otherwise acknowledging this document, you are providing your consent as set out in Part B below.

PART A: PRIVACY COLLECTION NOTICE

1. When Does This Notice Apply?

This notice applies when you are:

1. applying for a loan or other credit product from us;
2. considering providing a guarantee for another person who is applying for a loan or other credit product from us;
3. applying for a variation in your repayment or other contract terms with us, including on the grounds of hardship; or
4. otherwise providing personal information to us in connection with a credit product.

2. What Information Do We Collect?

2.1 Personal Information

We may collect the following types of personal information about you:

• Name, address, and previous addresses
• Date of birth
• Contact details (phone numbers and email addresses)
• Employment details (employer, income, and employment history)
• References
• Identification documents (driver's licence, passport, Medicare card)

2.2 Credit Information

Credit information is information defined in section 6N of the Privacy Act 1988 (Cth). We may collect the following types of credit information about you:

• Identification information — information used to identify you
• Consumer credit liability information — the type of credit account, credit limit, and the dates it was opened and closed
• Repayment history information — whether you made your repayments on time each month
• Financial hardship information — whether you have entered into a financial hardship arrangement (see Section 5 below)
• Credit application information — the type and amount of credit sought
• Default information — payments overdue by more than 60 days and $150 or more
• Payment information — overdue payments that have been made
• New arrangement information — variations to payment terms
• Court proceedings information — judgments relating to credit
• Personal insolvency information — bankruptcy, debt agreements, and related matters
• Publicly available information — information relevant to your creditworthiness that is publicly available
• Serious credit infringement information — information about serious credit infringements (such as fraud or absconding from a debt)

2.3 Financial Information

We may collect financial information about you, including:

• Income from all sources (including government benefits)
• Assets
• Expenses and debts

Note: Financial information is collected to assess your application but is not disclosed to Credit Reporting Bodies.

2.4 Sensitive Information (Hardship Applications Only)

If you apply for a hardship variation, we may collect sensitive information, including:

• Health information about you or a family member
• Reasons for your current employment status
• Changes to your marital or family circumstances
• Other matters relevant to your hardship application

Note: Sensitive information is only collected with your explicit consent (see Part B, Section 5 below).

3. How Do We Collect Your Information?

We may collect your information from the following sources:

• Directly from you — in person, by phone, by email, through online forms, or through application forms
• From Credit Reporting Bodies — as listed in Section 4 below
• From Data Aggregation Services — such as TaleFin (https://www.talefin.com/) for bank statement retrieval. In addition to the purpose of assessing your loan application, if you fall into arrears or apply for hardship assistance, we may obtain your bank account transaction history from TaleFin to assess your financial circumstances and verify income and expenses. This includes using your encrypted login credentials to obtain account statements or balances for future credit services, collections, and related purposes and services.
• From Identity Verification Platforms — such as Scantek (https://scantek.com/)
• From persons authorised by you — such as agents, brokers, solicitors, financial counsellors, and introducers
• From referees and employers
• From other credit providers
• From government bodies
• From our agents and service providers

4. Credit Reporting Bodies

4.1 Credit Reporting Bodies We Deal With

QUICKZY may disclose your personal and credit information to, or collect information about you from, the following Credit Reporting Bodies (“CRBs”):

4.2 Purpose of Disclosure to CRBs

QUICKZY may disclose credit information to a CRB (s 21D) and collect credit eligibility information from a CRB (s 21G). QUICKZY may disclose your information to CRBs for the following purposes:

• To determine your eligibility for credit
• To assess your creditworthiness
• To participate in the credit reporting system
• To report repayment history information
• To report default information and serious credit infringements

4.3 What CRBs Do With Your Information

• CRBs may include your information in credit reports provided to other credit providers.
• CRBs are required by law to have privacy policies explaining how they handle your information. You can find these policies on the CRB websites listed in the table above.
• If QUICKZY provides information about your credit application to a CRB, this may affect decisions by other credit providers about whether to provide credit to you.

4.4 Information QUICKZY May Register With CRBs

QUICKZY may register the following information about you with one or more of the CRBs listed above:

• Your enquiry or application
• Consumer credit liability information
• Repayment history information
• Default information (where arrears are $150 or more for 60 days or more)
• Serious credit infringement information
• Payment information (when overdue amounts are paid)

5. Financial Hardship Information

5.1 What Is Financial Hardship Information?

Since 1 July 2022, credit providers who provide Repayment History Information (RHI) to CRBs are required by law to report financial hardship arrangements to CRBs as part of repayment history information.

There are two types of financial hardship arrangements:

1. Temporary hardship arrangement — where a credit provider agrees to temporarily vary your repayment obligations (for example, a temporary reduction in repayments or a temporary pause on repayments).
2. Permanent variation — where a credit provider permanently varies the terms of your credit contract (for example, extending the term of the loan or reducing the interest rate).

QUICKZY is required by law to report financial hardship information to CRBs when reporting credit information. QUICKZY cannot agree to withhold this reporting, even at your request.

5.2 Your Protections Under the CR Code

The Privacy (Credit Reporting) Code 2025 (s 8A) provides the following important consumer protections in relation to financial hardship information:

• Credit scores: CRBs must not use financial hardship information to calculate credit scores or risk assessments.
• Retention period: Financial hardship information is retained on your credit report for a maximum of 12 months from the date the hardship arrangement ends.
• Non-discrimination: Other credit providers must not refuse you credit, or reduce your credit limit, solely because financial hardship information appears on your credit report.

5.3 Distinction From Sensitive Hardship Information

It is important to understand the distinction between financial hardship information and the underlying reasons for your hardship. The reasons for your hardship — for example, health information, family circumstances, or details of your personal situation — are classified as sensitive information under the Privacy Act 1988. This sensitive information is not disclosed to CRBs. Only the fact of the hardship arrangement (and its type) is reported. See Section 9 of our Privacy and Credit Reporting Policy for further details about how QUICKZY handles sensitive information in the context of hardship applications.

6. How We Use and Disclose Your Information

6.1 How We Use Your Information

We use your information to:

• Assess your credit application or guarantee
• Verify your identity under Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) laws
• Manage your credit contract
• Consider hardship variation applications
• Collect debts or enforce contractual rights
• Participate in the credit reporting system
• Comply with legal and regulatory obligations
• Manage complaints through internal dispute resolution (IDR) and external dispute resolution (EDR) processes

6.2 Who We May Disclose Your Information To

We may disclose your information to the following parties:

• Credit Reporting Bodies — as listed in Section 4
• Data Aggregation Services such as TaleFin (https://www.talefin.com/) for bank statement retrieval
• Identity Verification Platforms — such as Scantek (https://scantek.com/)
• Other credit providers — with your consent or as permitted by law
• Proposed guarantors
• Your authorised representatives — only after identity verification (see Part B, Section 4)
• Debt collection agencies
• Legal advisers
• Insurers
• Debt management businesses and third-party lenders
• Service providers engaged by QUICKZY
• Government agencies and regulators — including the Australian Securities and Investments Commission (ASIC), the Office of the Australian Information Commissioner (OAIC), and the Australian Financial Complaints Authority (AFCA)
• Prospective purchasers of QUICKZY's business or assets (with prior notice to you)

6.3 Direct Marketing

QUICKZY will not disclose your credit information for direct marketing purposes other than as disclosed in this document.

7. Your Rights

7.1 Right to Access Information

You may request access to the personal and credit information QUICKZY holds about you. To make a request, contact the Privacy Officer using the details in Section 9 below.

7.2 Right to Correct Information

If the information QUICKZY holds about you is incorrect, incomplete, out of date, or misleading, you may request that QUICKZY correct it.

7.3 Right to Opt Out of Direct Marketing

You may request at any time that QUICKZY stops using your personal information for direct marketing purposes.

7.4 Right to Request CRB Exclusion From Direct Marketing Pre-Screening

You may ask a Credit Reporting Body not to use your credit reporting information for direct marketing pre-screening. To exercise this right, contact the relevant CRB directly using the details in Section 4 above.

7.5 Fraud Protection

If you believe you have been, or are likely to be, a victim of fraud (including identity fraud), you have the right to request that a CRB not use or disclose your credit reporting information. Contact the relevant CRB directly using the details in Section 4 above.

7.6 Right to Complain

If you are not satisfied with how QUICKZY has handled your personal information, you may make a complaint to:

8. Overseas Disclosure

8.1 Your personal information we hold is likely to be accessed by our staff in India and the Philippines via our secure system in Australia.

8.2 We do not currently engage an overseas service provider to store or process customer information. In the event that we appoint overseas service providers, we will require them to comply with our information management policies and procedures and take reasonable steps to ensure your information has the same protections as if managed in Australia.

8.3 QUICKZY will not disclose credit eligibility information or CP derived information to overseas entities except as permitted by Australian Privacy Law.

8.4 Before making any overseas disclosure, QUICKZY will take reasonable steps to ensure that the overseas recipient does not breach the APPs in relation to the information, in accordance with APP 8.

9. Further Information and Contact

Full details of how QUICKZY manages your information are set out in QUICKZY's Privacy and Credit Reporting Policy, available on request.

Contact Details
Privacy Officer: Raju Tak
Phone: 1300 243 191
Email: care@quickzy.com.au
Address: PO Box 331, Kellyville, NSW 2155
Website: https://quickzy.com.au/

PART B: CONSENT

IMPORTANT
By signing, clicking, consenting to, or otherwise acknowledging this document, you are providing the following consents. Please read each section carefully before consenting.

1. Consent to Collect, Use, Hold and Disclose Your Information

I consent to QUICKZY and other entities with whom QUICKZY deals collecting, using, holding, and disclosing my personal information and credit information in the ways described in Part A of this document and in QUICKZY's Privacy and Credit Reporting Policy (available on request).

I further consent to QUICKZY:

1. sharing my personal and credit information with other credit providers for the purposes described in this document and QUICKZY's Privacy and Credit Reporting Policy;
2. sharing relevant credit information with a person considering whether to provide a guarantee for my credit;
3. sharing my information with QUICKZY's service providers, legal advisers, and other third parties as described in Part A, Section 6; and
4. disclosing my personal and credit information to a person I have authorized in writing to act on my behalf (such as an agent, broker, solicitor, or financial counsellor)

I understand that if I do not provide this consent, QUICKZY may not be able to process my loan application, assess my suitability for credit, or otherwise deal with me.

2. Consent to Credit Reporting

I consent to QUICKZY:

1. disclosing my personal and credit information to the Credit Reporting Bodies listed in Part A, Section 4 for the purposes described in this document; and
2. collecting and using information about me held by those Credit Reporting Bodies to verify my identity, assess my credit application, and manage QUICKZY's services to me.

I authorise the relevant Credit Reporting Body to disclose this information to QUICKZY.

3. Consent to Collect Sensitive Information (Hardship Applications)

If I apply for a variation to my repayment terms on the grounds of hardship under the National Consumer Credit Protection Act 2009 (Cth), I consent to QUICKZY collecting sensitive information (including health information and information about my personal circumstances) that is reasonably necessary to assess my hardship application.

I understand that:

1. QUICKZY will only collect sensitive information that is relevant to my hardship application.
2. QUICKZY will not disclose my sensitive information (the reasons for my hardship) to any Credit Reporting Body or other credit provider.
3. I may withdraw this consent at any time by contacting QUICKZY's Privacy Officer, but this may affect QUICKZY's ability to assess my hardship application.

4. Consent to Financial Hardship Information Reporting

I acknowledge and understand that if Quickzy agrees to a hardship arrangement, it is required by law to report this to Credit Reporting Bodies as financial hardship information (an “A” or “V” flag on my credit report), and I understand the protections described in Section 5.

5. Consent to Electronic Communications

I consent to:

1. Receiving contracts, notices, and other written communications from QUICKZY by electronic means (including email) as well as by post.
2. Receiving communications from QUICKZY by telephone or text message in relation to my loan or other credit product.
3. Receiving electronic communications from QUICKZY about other products and services QUICKZY may offer.

I understand that:

• These consents to electronic communication can be withdrawn at any time by contacting QUICKZY's Privacy Officer.
• My right to opt out of direct marketing communications is separate from, and does not affect, communications necessary for the administration of my credit contract.
• Electronic commercial messages will comply with the Spam Act 2003 (Cth).

INDIVIDUAL CONSENTS

By ticking the relevant boxes below, you provide the consents described in Part B of this document.

1. Consent to Collect, Use, Hold and Disclose Personal & Credit Information
☐ I consent to QUICKZY collecting, using, holding, and disclosing my personal information and credit information as described in this Privacy Collection Notice and in QUICKZY's Privacy and Credit Reporting Policy, including sharing my information with my authorized representatives, other credit providers, proposed guarantors, and service providers as described in Part A.

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2. Consent to Credit Reporting
☐ I consent to QUICKZY disclosing my information to Credit Reporting Bodies and collecting information about me from those bodies for the purposes described in this document and QUICKZY's Privacy and Credit Reporting Policy.

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3. Consent to Collect Sensitive Information (Hardship Applications)
☐ I consent to QUICKZY collecting sensitive information (including health or personal circumstances information) where reasonably necessary to assess a hardship application.

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4. Consent to Financial Hardship Information Reporting
I acknowledge and understand that if Quickzy agrees to a hardship arrangement, it is required by law to report this to Credit Reporting Bodies as financial hardship information (an “A” or “V” flag on my credit report), and I understand the protections described in Section 5.

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5. Credit Guide
☐ I confirm that I have read and saved a copy of the Credit Guide.

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6. Consent to Electronic Communications
☐ I consent to receiving contracts, notices, and other communications electronically (including email, SMS, and telephone contact).

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APPLICANT DETAILS

Full Name: ____________________________________________
Date: ___________________

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Please note: Consent to individual privacy provisions above are obtained online via the Quickzy application portal. You may provide or withhold each one individually. However, failure to consent to all provisions may affect Quickzy's ability and decision to grant you the loan.

Version 2.0 | August 2026 | Pod 3 Finance Pty Ltd ABN: 55 661 632 702 T/A Quickzy Finance.
This document forms part of QUICKZY's privacy compliance framework under the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2025.