Privacy Policy

This Privacy Policy explains how we collect, hold, use and disclose personal information and credit information about individuals in connection with our credit assistance and debt advisory services. It applies to all clients, prospective clients, guarantors, and other individuals whose information we handle. This policy should be read together with our Credit Guide and any privacy consent you have provided to us.

We may collect the following types of personal information: • Identity information: name, date of birth, residential address, contact details • Financial information: income, assets, liabilities, expenses, employment details • Tax file numbers and government identifiers (where required and permitted) • Business information: ABN, business structure, trading history, financial statements • Property information: ownership details, valuations, security details • Communication records: emails, phone calls, meeting notes • Website usage data: IP address, browser type, pages visited (see Cookies section) We collect only the information that is reasonably necessary for our functions and activities.

In connection with credit assistance, we may collect and hold credit information including: • Identification information • Consumer credit liability information • Repayment history information • Default information • Payment information • Court proceedings information • Personal insolvency information • Credit enquiry information • Credit score or credit worthiness information This information may be obtained from credit reporting bodies, lenders, or directly from you.

We collect personal and credit information: • Directly from you when you complete an enquiry form, application, or provide documents • From your authorised representatives, accountants, solicitors or other advisers • From lenders and financial institutions in connection with your application • From credit reporting bodies (with your consent where required) • From publicly available sources such as ASIC, land title registers and court records • Through our website when you submit an enquiry or use our calculators • Through cookies and analytics tools on our website (see Cookies section)

We collect, hold, use and disclose your personal and credit information to: • Assess your finance requirements and provide credit assistance • Prepare and submit credit applications to lenders on your behalf • Provide debt advisory and funding strategy services • Verify your identity in accordance with our obligations • Comply with our legal and regulatory obligations • Manage our relationship with you, including post-settlement reviews • Improve our services and communicate relevant updates • Respond to enquiries and complaints Where we use your information for a secondary purpose, we will do so only where permitted by the Privacy Act or with your consent.

We may disclose your personal and credit information to: • Lenders, banks, non-bank lenders and private funders in connection with your application • Mortgage Specialists Pty Ltd (ACL 387025), our licensee, and Specialist Finance Group, our aggregator, for compliance, oversight and lender access purposes • Credit reporting bodies, including Equifax, Experian and illion • Mortgage insurers and lenders' mortgage insurance providers • Valuers, quantity surveyors and other property professionals • Legal practitioners, accountants and other professional advisers • Identity verification and fraud prevention services • Government agencies and regulators where required by law • Service providers who assist us in operating our business, under confidentiality obligations We do not sell your personal information to third parties.

As a credit representative of Mortgage Specialists Pty Ltd (ABN 48 612 422 178, ACL 387025), operating under the Specialist Finance Group aggregator network, we are subject to their compliance and oversight framework. Our licensee and aggregator may access your information for compliance, audit, training and oversight purposes as required under their licence obligations. Complaints relating to our licensee may be directed to: Mortgage Specialists Pty Ltd — Internal Complaints Officer 325 Churchill Ave, Subiaco WA 6008 Email: [email protected] Phone: 08 9286 6888 Attention: Mark Norman By engaging CFP for credit assistance, you acknowledge that your information may be shared with our licensee and aggregator for these purposes.

We may disclose your credit information to, and obtain credit information from, credit reporting bodies (CRBs) including: • Equifax Australia — equifax.com.au • Experian Australia — experian.com.au • illion — illion.com.au CRBs may include your information in reports provided to other credit providers. You have the right to request that a CRB not use your information for pre-screening of direct marketing, and to request a freeze on your credit report if you believe you have been a victim of fraud.

We are required to verify your identity before providing credit assistance. We may use electronic verification services to confirm your identity using information held by third parties, including government agencies and credit reporting bodies. By providing your personal information, you consent to us using it for identity verification purposes.

Our website may use cookies and analytics tools to collect information about how visitors use the site. This may include your IP address, browser type, pages visited, time spent on pages and referring URLs. This information is used in aggregate form to improve our website and services. You can disable cookies through your browser settings, though this may affect the functionality of some parts of our website. We do not use cookies to collect sensitive personal information or credit information.

When you submit an enquiry through our website or contact us by email, we collect the information you provide. We use this to respond to your enquiry and, where you have consented, to send you relevant updates and information about our services. You may opt out of marketing communications at any time by contacting us or using the unsubscribe link in any email we send.

In some circumstances, your information may be disclosed to recipients located overseas, for example where a lender or service provider operates internationally. Where this occurs, we take reasonable steps to ensure the recipient handles your information in a manner consistent with the Australian Privacy Principles. By providing your information to us, you consent to it being disclosed to overseas recipients where necessary for the purposes described in this policy.

We take reasonable steps to protect your personal and credit information from misuse, interference, loss, unauthorised access, modification and disclosure. These steps include: • Secure document storage and transmission • Password-protected systems and access controls • Staff training on privacy obligations • Secure disposal of information no longer required If we become aware of a data breach that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as required under the Notifiable Data Breaches scheme.

You have the right to request access to the personal and credit information we hold about you, and to request corrections if the information is inaccurate, out of date, incomplete or misleading. To make an access or correction request, contact us at: Phone: 0466 564 992 Email: [email protected] We will respond to your request within 30 days. In some circumstances we may be unable to provide access, in which case we will explain why in writing.

If you believe we have breached the Australian Privacy Principles or the Credit Reporting Privacy Code, you may make a complaint by contacting us: Phone: 0466 564 992 Email: [email protected] We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC): Office of the Australian Information Commissioner GPO Box 5218, Sydney NSW 2001 Phone: 1300 363 992 Website: oaic.gov.au

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The current version will always be available on our website. We encourage you to review this policy periodically. This policy was last updated in September 2026.

For any privacy-related enquiries, requests or complaints, please contact: Commercial Finance Partners Phone: 0466 564 992 Email: [email protected] For information about privacy rights and the Australian Privacy Principles, visit the Office of the Australian Information Commissioner at oaic.gov.au.