Privacy Policy

1. About this Policy

This Privacy Policy applies to Bridgewest Finance Management Australia Pty Ltd (ACN 685 993 257) and Bridgewest Finance NZ Limited Partnership (NZBN 9429050041053) (“we”, “us”, “our”). It explains how we collect, hold, use, disclose, and secure personal information in the course ofoffering finance products and related services.

2. What is Personal Information?

Personal information includes any data or opinions about an identified or reasonably identifiable individual, whether recorded in material form or not.

3. Collection of Personal Information

We collect personal information directly from you (e.g., via application forms, online inquiries, phone, email) or through third parties (e.g. brokers, credit agencies).

Types we collect may include:

• Identification: name, date of birth, address, email, phone number

• Verification: driver’s licence, passport, identity documents (for KYC/AML)

• Financial: income, employment, bank account, tax file number, credit history

• Loan details: amount, term, purpose, security details

• Communications: correspondence, survey feedback

If you choose not to provide certain required information, we may be unable to proceed with your application or continue our services.

4. Collection from Third Parties

We may also collect personal data from:

• Referees or guarantors

• Your finance broker

• Credit reporting bodies

• Public or government records (e.g. land title office)

• Third-party websites or linked services

• Other third parties with information relevant to you

5. Use of Cookies and Online Tracking

We use cookies, web beacons, and similar tracking tools to:

• Enhance website usability

• Track visits, page views, session data

• Serve targeted advertising when you view or click our ads elsewhere

• Facilitate online application functionality

You can disable cookies via your browser; however, this may affect site function.

6. How We Use Your Information

Your personal information is used to:

• Identify and verify your identity (including AML/CTF obligations)

• Assess and process finance applications

• Manage loans and repayments

• Provide account/customer support

• Improve our products and communications via surveys and direct marketing

• Comply with legal, regulatory, or reporting obligations

We only collect information that is necessary or directly relevant to our functions and activities.

7. Disclosure of Your Personal Information

We may disclose your information to:

• Finance brokers, guarantors, co-applicants

• Credit reporting agencies, verification services

• Service providers (e.g., IT hosts, mailing houses, debt collectors, professional advisors)

• Insurance or risk partners

• Government or regulatory bodies, as required by law

• Other third parties who are necessary to assist us with our business

We may share aggregated or de-identified data with partners, but not personal information without your consent.

8. Cross-border Disclosure

Although we primarily operate and store data in Australia, we may store or process information overseas (e.g., cloud backups). We take reasonable steps to ensure overseas recipients uphold equivalent privacy protections.

9. Security of Personal Information

We employ robust security measures, including:

• Encryption of data in transit and at rest

• Secure servers with access control

• Regular reviews, training, and incident response protocols

• Timely deletion or anonymisation of data when no longer required

10. Direct Marketing

With your consent or where permitted, we may use your details to send marketing materials relating to our finance products, interest rates, promotions. You may opt-out at any time via unsubscribe links or by contacting us. We respond to such requests “as soon as practicable”.

Sensitive information (e.g., health, racial or religious beliefs) is not used for marketing without your explicit consent.

11. Accessing and Correcting Your Information

You are entitled to request access to the personal information we hold about you under the Privacy Act 1998 (Cth) (Australia) and the New Zealand Privacy Act 2020 (New Zealand). You may ask us to correct inaccuracies. Requests can be made via email or phone. We will respond promptly and, if there are requestswe cannot fulfil, we will provide reasons and review them upon request.

12. Complaints

If you have a concern about how we manage your information:

• Email our Privacy Officers:

▪ For Australia privacy matters: Privacy Officer – Australia at finance@bridgewestfinance.au

▪ For New Zealand privacy matters: Privacy Officer – New Zealand at finance@bridgewestfinance.nz

• We aim to acknowledge complaints within 24 hours and resolve them swiftly

If your complaint remains unresolved:

• If you are not satisfied with our response, or if you believe your complaint has not been resolved appropriately, you may refer your complaint to: Australia

Office of the Australian Information Commissioner (OAIC) Website: https://www.oaic.gov.au Phone: 1300 363 992

New Zealand

Financial Services Complaints Ltd (FSCL)

Website: https://www.fscl.org.nz

Phone: 0800 347 257

Email: complaints@fscl.org.nz

Office of the Privacy Commissioner (NZ)

Website: https://www.privacy.org.nz Phone: 0800 803 909 Email: enquiries@privacy.org.nz

13. Policy Updates

We may update this Policy to reflect changes in legal, regulatory, or operational requirements. Updates will be published on our website with an effective date.

14. Contact Us

If you have any questions about this Privacy Policy, you may contact us at www.bridgewestfinance.com/contact-us

15. Legal Compliance

We comply with the Privacy Act 1988 (Cth) (Australia), the Privacy Amendment (Notifiable Data Breaches) Act 2017 (Cth) (Australia), the New Zealand Privacy Act 2020 (New Zealand) and relevant provisions of the AntiMoney Laundering and CounterTerrorism Financing Act 2006 (Cth) (Australia) and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (New Zealand).