Credabl Privacy Statement

1. PERSONAL AND CREDIT-RELATED INFORMATION

Credabl Pty Limited ABN 42 615 968 100 and its related bodies corporate (Credabl, we, us, our) collects and handles your personal and credit‑related information in accordance with our Privacy and Credit Reporting Policy, so that we can process your application, provide you with products and services, manage the products and services we provide to you, assess your suitability as a guarantor of credit, take a guarantee from you and administer that guarantee, or tell you about our products and services that we think may interest you.

If you do not provide all the information we request, we may be unable to consider or approve your application, complete the transaction you have entered into, accept you as a guarantor, or provide a product or service to you.

We may:

obtain commercial or consumer credit information about you from a credit reporting body to enable us to assess your credit worthiness;

obtain information about your activities or commercial or personal credit worthiness from a business which provides information about commercial or personal credit worthiness;

If you are a proposed guarantor, obtain credit reporting information about you from a credit reporting body for the purpose of assessing whether to accept you as a guarantor;

exchange personal information and credit-related information about you with other credit reporting bodies and credit providers to assess your application and credit worthiness and to notify them of any defaults by you; or

disclose credit-related information and other personal information about you to a guarantor (for the purpose of keeping them informed about the guarantee or the enforcement or proposed enforcement of the guarantee) or to a proposed guarantor (for the purpose of them considering whether to offer to act as guarantor).

We may also disclose your personal and credit‑related information to third party funders we act as agent for, the suppliers or retailers of any goods or services financed with credit we provide, other financial institutions, insurers, debt collectors, security registration bodies, our related bodies corporate, any person acting on your behalf including financial advisor, lawyer and accountant, and third parties we engage to assist us with our functions and activities or provide services to us. Some of the third parties service providers may have servers located overseas such as in US, Canada, Singapore and Japan for example.

As a provider of financial services, we are required or authorised to collect and disclose your personal and credit‑related information to government agencies and regulators in Australia and, in some cases, offshore to comply with our legal obligations such as the Anti‑Money Laundering and Counter‑Terrorism and Financing Act 2006(Cth).

You have a right to access your personal and credit‑related information that we hold, and may ask us to correct this. Our Privacy and Credit Reporting Policy on our website www.credabl.com.au contains more detail on your rights and contact details for questions or complaints and how we will deal with complaints.

Our website www.credabl.com.au also contains a Credit Reporting – Statement of Notifiable Matters. These are matters you should be aware of in relation to the use and disclosure of your credit‑related personal information. The Statement of Notifiable Matters includes:

details of the credit reporting bodies to which we are likely to disclose your credit information, the types of credit information we may give them and how this information will be used;

your rights over your credit information, including how you can access and correct your information and make complaints;

your rights to direct a credit reporting body to limit the use of your information for direct marketing purposes and what protections are available if you believe you are a victim of fraud; and

information about our Privacy and Credit Reporting Policy.

You can contact us using the details below for a hard copy of the Statement of Notifiable Matters.

2. OTHER ACKNOWLEDGEMENTS AND CONSENTS

Where you have provided information about another individual, you must make them aware of that fact and the contents of this Privacy Statement.

We may confirm the details of the information provided in this application which includes contacting your referees to confirm salary, address or other personal details.

3. CONTACT DETAILS

Email: privacyenquiries@credabl.com.au

Telephone: 1300 27 33 22

Post: Privacy Officer
Credabl Pty Limited
GPO Box 455
Sydney NSW 2001

Last Updated 20 August 2025