Privacy Policy

Agrifunder Pty Ltd ABN 52 622 246 486 (Agrifunder) is committed to providing quality services to
you. It is important to us that you are confident that any personal information you provide us will be
treated in a manner that ensures protection of your privacy. This Privacy Policy outlines our ongoing
obligations to you in respect of how we collect and handle your personal information. In this Privacy
Policy the term ‘personal information’ means any information from which your identity is apparent
or can be reasonably ascertained.

We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth)
(Privacy Act). The APPs govern the way in which we collect, use, disclose, store, secure and dispose
of your personal information. In regards to how we handle your credit related personal information,
Agrifunder also complies with the credit reporting provisions within the Privacy Act and the Privacy
(Credit Reporting) Code 2014 as registered by the Australian Information Commissioner. A copy of
the Australian Privacy Principles may be obtained from the website of The Office of the Australian
Information Commissioner at www.aoic.gov.au.

If you accept our Privacy Policy, you agree we can, consistently with Australia’s privacy and credit
reporting laws, collect, use and exchange your personal and credit information for credit decision
purposes.
Why do we collect your personal information?
We collect your personal and credit information to assist us in assessing your credit application, your
suitability to act as a guarantor or to manage your accounts and as required by relevant laws,
regulations, codes of conduct and payment systems. Disclosing relevant personal and credit
information to certain third parties as detailed in this Privacy Policy may also be required to support
this process. Without your personal information we may be limited in our ability to process your
application and/or other services we can offer you.

We may also collect information from you because we are required or authorised by an Australian
law or court or tribunal order to gather that information. We will inform you if collection is
required or authorised by law and provide you with details of the relevant law or order.

The information we obtain from you is used and disclosed, subject to compliance with the Privacy
Act and other relevant laws and regulations for the purposes described above and to the persons
described in this Privacy Policy. Your information is not disclosed to any other person except with
your permission or as permitted, or required, by law e.g. as part of the Anti- Money Laundering and
Counter-Terrorism Financing Act 2006 (AML/CTF Act).
How is information shared with third parties?
We may disclose your person information to any of the following third parties:
• Our distributors and partners
• Any organisations involved in managing or administering your finance including third party
suppliers, printing and postal services, call centres, lenders mortgage insurers, trade insurers
and credit reporting bodies
• To anyone, where you have provided consent
• To any investors, agents, advisors or assignees of Agrifunder
• Anyone, where required by law to do so
Prior to disclosing any of your personal or credit information to any third party, we will satisfy
ourselves that:
The third party has a commitment to protecting your personal or credit information at least
equal to our commitment; or
You have consented to the disclosure.
How is information disclosed to Credit Reporting Agencies?
Under the Privacy Act, credit providers are able to disclose certain information about your credit
history to credit reporting agencies. Agrifunder participates in credit reporting so that Agrifunder can
obtain information to make informed decisions about providing credit to parties. The Privacy Act
restricts the purpose for which credit providers can access and use information that is held by credit
reporting agencies.

Agrifunder may disclose all critical information about your credit to credit reporting agencies. This
includes basics such as that we provide you with credit, the type of credit you hold, amount provided
to you, the terms and conditions of your credit and when your credit account is opened and closed.
Agrifunder may also report your credit repayment practices e.g. if you fail to make repayments,
default or commit a credit infringement or any serious infringement such as fraudulent conduct or
deliberate evasion of repayment obligations
How is information stored?
Protection of your personal and credit information is crucial to the integrity of our business. Your
personal and credit information is stored on our electronic systems which are built using appropriate
technology designed to ensure that your information is as secure as possible at all times. We may
also hold your personal information in hardcopy documents. Agrifunder maintains security over
physical and electronic data. We do not retain identifiable personal information longer than the legal
requirements and ensure that reasonable steps are taken to destroy or de-identify it.
What access do you have to your information?
Subject to some expectations, you can ask us for a copy of your information, including your
transaction history by contacting us directly. Depending on the request, we may charge an
administration fee to cover the cost of providing the information.

It is important to us that the personal and credit information we hold about you is accurate and up
to date. We ask that you contact us if any of your personal information has changed.

If you have reason to believe you have been a victim of fraud you may request that we not use or
disclose your credit reporting information.

You may also request that we not use your personal or credit reporting information for direct
marketing purposes.

If you believe the personal information held hold is inaccurate, incomplete or out-of-date, you
should contact us and we will update the relevant information.
How are complaints handled?
If you have any queries or complaints regarding this Privacy Policy or our privacy practices please
contact us directly and we will ensure that these concerns are addressed.

If for any reason your complaint is not resolved you can contact the Office of the Australian
Information Commissioner (the “OAIC”) at:

The Office of the Australian Information Commissioner
GPO Box 2999
Canberra ACT 2601
Phone: 1300 363 992
Website: www.oaic.gov.au

Agrifunder reserves the right to change its Policy when required and shall provide you with any
updated copies upon request.
Contact details:
Agrifunder Pty Limited
PO Box 247
East Melbourne
VIC Australia 8002
Email: info@agrifunder.com.au
Phone: 1800 247 438