Name	MoneyMe
BSB	062 104
Account	1023 3152
Reference	1000012412

By agreeing to this Privacy Consent and Electronic Authorisation, you consent to MoneyMe Financial Group Pty Ltd ACN 163 691 236, Australian Credit Licence Number 442218, trading as MoneyMe (hereafter we, us or our), our related bodies corporate, affiliates and agents collecting, using, holding and disclosing personal information (including sensitive information) and credit-related information about you. You can find out more about how we deal with your privacy and the personal information (including sensitive information) and credit-related information that we hold about you by viewing our Privacy and Credit Reporting Policy.

Our Privacy and Credit Reporting Policy (Privacy Policy) contains information about how you may access or seek correction of your personal information and credit-related information, how that information is managed, how you may complain about a breach of your privacy, and how that complaint will be dealt with. It also contains information on ‘notifiable matters’, including things such as the information we use to assess your creditworthiness, the fact that credit reporting bodies may provide your personal information and credit-related information to credit providers to assist in an assessment of your credit worthiness, what happens if you fail to meet your credit obligations or commit a serious credit infringement (including our right to report a default or a serious credit infringement to credit reporting bodies), your right to request that credit reporting bodies not use your credit-related information for the purposes of pre-screening credit offers, and your right to request a credit reporting bodies not to use or disclose credit-related information about you if you believe you are a victim of fraud. You may request to have these notifiable matters (and our Privacy Policy) provided to you in an alternative form, such as a hard copy.

1. What is Personal Information?

The Privacy Act 1988 (Cth) defines “personal information” as information or an opinion about an identified individual, or an individual who is reasonably identifiable whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we may need to identify you, including publicly available information from public registers and social media. If you are applying for credit, we may also collect the number and ages of your dependants and cohabitants, the length of time at your current address, your employment details, and proof of earnings and expenses.

Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

“Credit information” means information about you such as your identity information, repayment history, the type and amount of credit provided to you, default and payment information, personal insolvency, court proceedings and any other publicly available information that relates to your credit worthiness. “Credit reporting information” is any personal information derived by a credit reporting body from credit information held about you bearing on your credit worthiness. Credit information and credit reporting information are, together, “credit-related information”.

2. Why Do We Collect Personal Information?

We may collect, use, hold and disclose personal information and credit-related information about you for the purposes of:

fulfilling our functions and responsibilities under, and facilitating compliance with, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Anti-Money Laundering and Counter-Terrorism Financing Rules and the Corporations Act 2001 (Cth) and associated regulations (which require and authorise us to collect certain information), including to maintain regulatory and corporate records;
providing you with consumer credit and managing that credit, including accepting, assessing and processing your application for a loan, undertaking risk assessments involving credit scoring, identity verification and fraud prevention and performing collections activities;
managing our relationship with you and allowing us to perform administrative tasks;
communicating with you about our products and services, including direct marketing of products, new products and services offered by us;
undertaking quality assurance and audit activities to manage and assess our services and products; and
providing information to third parties as authorised or required by law.

We may collect, use, hold and disclose your sensitive information (particularly your health information) if it is reasonably necessary for the type of credit we are providing you with. For example, if you submit an application with us to finance a medical procedure, we may collect your health information for the purpose of assessing your application and may disclose this health information to your surgery provider.

Your information will be collected and held by us and some of our third party service providers so that we can provide you with a range of services. In some cases, we may receive your personal information or credit-related information from a third party (for example, when we electronically verify your identity with third party providers).

3. What If We Didn't Collect Personal Information?

Without your personal information and credit-related information, we may not be able to process your application for a consumer credit, respond to your requests, perform our functions or provide you with some or all of our products and services.

4. Who Can We Disclose Your Personal Information To?

Your personal information may be provided to:

credit reporting bodies to obtain a credit report for the purpose of assessing your loan application and managing the consumer credit provided. Information we disclose may include that you have applied for a loan, the amount of the loan, our status as your credit provider, payments that have been made on time, payments that are overdue, payments that are no longer overdue, when you are in financial hardship, when a serious credit infringement has been committed, or that the full amount of your loan has been paid (or your loan has been otherwise discharged). The information we exchange with credit reporting bodies may be included in reports that the credit reporting bodies give other organisations (such as other lenders) to help them assess your credit worthiness. Some of the information may adversely affect your credit worthiness (for example, if you have defaulted on your loan) and, accordingly, may affect your ability to obtain credit from other lenders;
third party service providers to verify your identity against the information held on your credit file and to obtain your banking transaction history. We will engage with relevant registries using third party systems to match details contained in your Australian passport, driver licence, Medicare card, birth certificate and any other identification documents you provide us. We will also obtain the last 90 days of bank statements from your account for the purpose of assessing your loan application;
any persons who represent you, including your finance broker, legal and financial advisers or personal and business referees;
your employers, or payroll or other service providers who might act on behalf of your employers, to verify your identity and collect your employment and income history and related information from such parties to allow us to verify your employment and income (these checks will be performed in accordance with the Equifax Verification Exchange Privacy Collection Statement);
Government entities such as Centrelink, the Australian Financial Complaints Authority, AUSTRAC, the Australian Taxation Office or other government departments, agencies or bodies and overseas regulators (if required);
third party service providers to obtain personal information about you under the Freedom of Information Act from any motor vehicle or driver licence registry in Australia while any liability is outstanding to us, without reference to you;
any investors, agents or advisers, trustees, ratings agency or businesses assisting us with funding for credit made available to you, or any entity that has an interest in your finance or our business;
our related bodies corporate, subsidiaries, professional advisers, financiers, financial institutions, auditors, associates, debt collectors, contractors (including any of our overseas associates who may assist us in providing our products and services to you);
other credit licensees (who may be a related body corporate of ours, such as SocietyOne Australia Pty Ltd or Broker Services Pty Ltd), including other credit providers, credit assistance providers or lead providers) where we are unable to assist you or consider you may need credit assistance in respect of other consumer credit options available. In this instance, you agree we may disclose your personal information to other credit licensees (who may pay us a fee for referring you to them, though this fee will not be passed onto you) who may either provide a service to you or refer you onto another credit licensee;
any person considering acquiring an interest in our business or assets;
other financial institutions – for example, to process a claim for mistaken payment;
related bodies corporate or associated businesses that may want to market products to you;
any of our associates, related bodies corporate or contractors such as claims related providers, including assessors and investigators that help us with claims; and
any person where we are authorised to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) or by government and law enforcement agencies or regulators.

5. Overseas Disclosure

We may disclose your personal information and credit-related information to overseas entities, including related entities and service providers located overseas in New Zealand, USA, Canada, India, Ireland, the United Kingdom or the Philippines. Overseas entities may be required to disclose information to relevant foreign authorities under a foreign law. More information on overseas disclosure may be found in the entities’ privacy policies.

6. Verification of Identity

We may disclose your name, residential address and date of birth to an organisation, including a credit reporting body or other organisation (including the document issuer or official records holder via third party systems and services), to verify your identity. The organisation will use this information to give us an assessment/ report of whether or not the information we have matches information held by the organisation. If we use these methods and are unable to verify your identity in this way, we will let you know. We may also use information about your Australian Passport, state or territory driver licence, Medicare card, citizenship certificate, birth certificate and any other identification documents to match those details with the relevant registries using third party systems and to record the results of that matching. Note: If you do not provide this consent, we will verify your identity in another way, which may require you to provide various supporting identification documents (either original or certified copies).

7. Electronic Authorisation

You consent to receiving notices and other documents electronically or via the member log-in area via our website. You agree that by giving this consent:

we will not send paper copies of notices and other documents to you unless required by law;
you must regularly check your nominated email address for notices and other documents;
we will either make all notices and other documents available for a reasonable period of time in the members log-in area on our website for retrieval by you, or we will send you such documents electronically; and
you may withdraw your consent to the giving of notices and other documents by electronic means at any time provided that you submit an alternative method for us to communicate with you.

8. Your Consent

By clicking ‘Next’, you confirm that you:

have read and understood this Privacy Consent and Electronic Authorisation; and;
consent to MoneyMe collecting, using, holding and disclosing your personal information and credit-related information in accordance with these terms;
consent to receiving notices and other documents electronically or via the member log-in area via our website; and
consent to the disclosure of your name, residential address and date of birth to a credit reporting body or other organisation (including the document issuer or official records holder via third party systems and services) for the purposes of electronically verifying your identity as set out above.

ILLION OPEN DATA SOLUTIONS END USER TERMS

Last Update: June 2021

This End User Agreement (Agreement) is a legal agreement between illion (“illion”, “we” or “us”) and the End User of our Services (“End User” “you”, “your”). You are bound by this Agreement from the date you click "I Accept" “I Agree” or any other similar form for acceptance including when you access or use your Service Provider’s application or service. If you do not agree to this End User Agreement, you should not accept this End User Agreement and stop accessing or using your Service Provider’s application or service. If you agree to these terms on behalf of an entity, including but not limited to a company or other organisation, you represent and warrant that you have the power and authority to: enter into this Agreement; bind such entity; and act on behalf of the entity. Terms of this Agreement may be amended from time to time in accordance with clause 8.1.

This Agreement does not apply to the services that illion provides to Service Providers, those services are covered by a separate agreement between illion and Service Provider.

DEFINITIONS

1.1 Account Information – means and includes personal information such as:

(a) account name/s;

(b) addresses;

(d) account balances;

(e) credit limits;

(f) transaction details; or

(g) details of benefits / grants or subsidies provided to you

1.2 Credentials means your account login and password.

1.3 End User means an individual who wishes to share their Account Information with their Service Provider using Services provided by illion.

1.4 illion means illion Open Data Solutions Pty Ltd ACN 166 277 845 (an illion company) and also (a) illion Australia Pty Ltd (ABN 95 006 399 677) where you are accessing the Services via a ".com.au" Website, or (b) illion New Zealand Marketing Services Limited (Co. No. 6398759) where you are accessing the Services via a ".co.nz" Website.

1.5 Online Account means and includes your account held with a bank, credit union, financial services provider or any on-line portal (such as MyGov or reward platform) in Australia and/or New Zealand.

1.6 Privacy Policy means illion’s Privacy Policy (as amended from time to time) available on our website.

1.7 Services means and includes, services that we provide to the Service Provider such as:

(a) account verification (i.e. to supply the name an account is held in to show ownership);

(b) income and expense information;

(d) a score based on transaction information.

1.8 Service Provider means and includes any third party nominated by you who is sent the Account Information on your behalf subject to the Authorisation provided by you in accordance with this Agreement.

ABOUT THE SERVICES

2.1 This Agreement only applies when

(a) you authorise us to automatically retrieve your Account Information from your Online Account; and

(b) we supply the Account Information to a Service Provider in accordance with your authorisation (Authorisation).

2.2 Our Services are accessible via our Websites (https://www.bankstatements.com.au and illion.com.au in Australia, and https://www.bankstatements.co.nz and illion.co.nz in New Zealand), or through an Application Programming Interface (“API”) specifically created for this purpose in conjunction with your Service Provider.

2.3 In order to provide the Services, we require your consent which is obtained when you provide your Credentials, accept the terms of this Agreement and request your Account Information to be supplied to your Service provider.

2.4 Depending upon the terms of the agreement between you and your Service Provider you may access our Services either Manually (by you uploading a PDF copy of your account statements for processing by us) on our Website or Automatically (by you providing access to your Account Information via a secure API created for this purpose) in accordance with your authorisation as outlined in clause 2.5

2.5 Where the Services are accessed Automatically you understand and agree that:

(a) the Authorisation that you provide to the Service Provider can either be for:

(i) a single use – which allows us to complete a one-time retrieval of your Account Information using your Credentials to provide the Services. Your Account Information is encrypted and passed on to the Service Provider and subsequently discarded once no longer required, your Credentials are never retained.; or

(ii) an ongoing use – this requires us to retain and use your Credentials to access your Account Information on an ongoing basis to provide the Services to your Service Provider.

(b) Credentials are encrypted and only accessed when allowing the Account Information to be retrieved and passed to your Service Provider in accordance with your agreement with your Service Provider and this Agreement.

2.6 By agreeing to the terms of this Agreement, you authorise us to:

(a) access the Account Information from your Online Account, on your behalf using your Credentials (and you appoint us as your agents for that limited purpose);

(b) use your Account Information to provide the Services; and

2.7 While we have set out how we use your personal information in our Privacy Policy we note that we use your depersonalised information in aggregation for:

(a) developing and refining transaction classifications; and

(b) for building and supply of commercial insights for publication and supplying to our commercial partners; This information does not allow any party to identify you.

2.8 You understand and acknowledge that your Authorisation:

(a) under clause 2.5(a)(i) for single use will lapse as soon the Services are delivered to the Service Provider;

(b) under clause 2.5(a)(ii) for ongoing access will allow the Services to continue to be provided until:

(i) you change your Credentials, this will prevent the Service Provider from being able to access your Account Information (unless you reinstate the Agreement including supplying your new Credentials); or

(ii) you terminate your agreement with your Service Provider.

2.9 We will not charge you for our Services although you may be charged by your Service Provider in accordance with the terms which you agree with them

TERM & ELIGIBILITY

3.1 Your Service Provider’s access to the Services continues until you cancel, or the Services are suspended or terminated in accordance with clause 8.

3.2 To be eligible to use our Services you must be 18 years of age or older.

3.3 You must register for the Service in your personal capacity, and not on behalf of any other person (except where you register on behalf of a company, in which case you warrant you are the authorised to do so).

LICENCE

4.1 We grant you a non-exclusive, non-transferable, non-sublicensable, royalty-free, limited licence to access and use the Services (via the Website and or API as the case may be) for your personal use for the purpose set out in, and in in accordance with the terms of this Agreement.

4.2 You must not:

(a) cause or permit the reverse engineering, modification, disassembly or decompilation of the Services or any software forming part of it;

(b) copy, distribute, transmit, display, reproduce, publish, sub-license, create derivative works from, transfer, or sell or re-sell the Services or any information, software, products, or services obtained from or through the Website;

(c) manipulate the Services in a manner that would lead to inaccurate, misleading or discriminating presentation of information being displayed;

(d) do anything that compromises the security and/or stability of the Services, or interferes with or inhibits any other user of the Services;

(e) use the Services to send unsolicited email messages;

(f) attempt to or tamper with, hinder or modify the Services or attempt to or knowingly transmit viruses, malicious or harmful code or other disabling features to the Services or via the Services;

(g) use our Services in any way that competes with our business.

4.3 You must not use the Services for any activities, or to post or transmit any material, that:

(a) would cause you or us to breach any law, regulation, rule, code or other legal obligation (including any privacy law or intellectual property right);

(b) defames, harasses, threatens, menaces, offends or restricts any person;

(c) is or could reasonably be considered to be obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, blasphemous, in breach of confidence or in breach of privacy;

(d) would bring us, or the Services, into disrepute;

(e) impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity, including us.

4.4 We reserve the right to monitor your use of the Services.

ACCOUNT INFORMATION & WARRANTIES

5.1 It is your responsibility to ensure that your Service Provider holds correct Account Information.

5.2 We do not check the accuracy of the Account Information retrieved from your Online Account and rely on you and your account provider ensuring that your Account Information is accurate.

5.3 You represent and warrant that: (a) you possess the legal authority to provide all relevant Account Information to us (e.g. you must be a/the relevant account holder and you have the permission of any joint or other account holders); (b) you will at all times comply with all relevant laws and regulations; and (c) causing your Account Information to be provided to your Service Provider is not misleading.

5.4 if you authorise a Third Party Provider (third party supplying goods or services to you other than Service Provider) to use our Services, you acknowledge and understand that we will provide the Third Party Providers with access to your Account Information. We are not responsible for the use of your Account Information by your Service Provider or any Third-Party Providers.

INTELLECTUAL PROPERTY RIGHTS

6.1 Our Services contains intellectual property which is owned by or licensed to us and is protected by Australian, New Zealand and international laws, including but not limited to the trademarks, trade names, software, content, design, images, graphics, layout, appearance, layout and look of our Services.

6.2 You agree that, as between you and us, we own all intellectual property rights in the Services, and that nothing in these End User Terms constitutes a transfer to you of any intellectual property rights.

PRIVACY

7.1 We will collect, use and disclose any personal information in accordance with our privacy policy available here, and in accordance with the Privacy Act 1988 (Cth) in Australia and the Privacy Act 1993 (NZ) and any other applicable privacy laws, including any determination, code or guideline issued under those laws in the relevant territory (Privacy Laws).

7.2 You must ensure that your disclosure of User Information to us complies with all relevant Privacy Laws.

TERMINATION & SUSPENSION

8.1 Without limiting any other rights under these End User Terms, a party may terminate this agreement by written notice if the other party breaches any provision of these End User Terms and fails to remedy the breach within 20 days' written notice.

8.2 We reserve the right to deny or suspend your access to the Services at any time, for any reason whatsoever (including any breach of these End User Terms), at our absolute discretion. Where it is possible for us to contact you directly, we will notify you of any suspension or termination and the reasons for it.

8.3 On termination or expiry of this agreement: (a) each licence granted by us in respect of the Services also terminates; (b) you must immediately cease using the Services and delete copies of our Confidential Information; and (c) we will delete your User Information, except to the extent we're required by law to retain it, or have the right to retain it under any rights granted to us through our Privacy Policy.

CHANGES AND MODIFICATIONS

9.1 We may amend the End User Terms from time to time in our sole discretion by publishing an updated version of the End User Terms on the Website. You should check the End User Terms regularly, prior to using the Website, to ensure you are aware of any changes, and only proceed to use the Website if you accept the new End User Terms. Your continued use of our Services following any amendments indicates that you accept the amendments.

9.2 We reserve the right to change or discontinue, temporarily or permanently, any Services at any time without notice, and without liability to you. If we cancel any Service (where such cancellation is not due to your acts or omissions or breach of the End User Terms) we will endeavour to provide you 1 week's notice.

LINKS

10.1 Our Services may contain links to websites owned by third parties. We do not control, recommend, endorse, sponsor or approve third party websites, including any information, products or services mentioned on those third party websites, and are not liable in any way for your access to those links.

DISCLAIMER & LIABILITY

11.1 While we use reasonable efforts to provide the Services in accordance with their stated description, you acknowledge the following (to the extent permitted by law and subject to clause 11.2):

(a) The Services are provided strictly on an "as is" and "as available" basis;

(b) We exclude all liability to you for any:

(i) inaccuracy, incompleteness, or inappropriateness of the Services;

(ii) delay or unavailability of the Services, or the Services being out-of- date;

(iii) data loss or corruption, or any viruses or other harmful components associated with Services; and

(iv) use of the Services by you, including any decisions made or outcomes based on the Services

(c) We are not liable to you (whether in contract, tort, negligence or otherwise) for any loss of profit, revenue, anticipated savings, goodwill, reputation or opportunity, or any other indirect or special loss or damage; and

(d) To the extent we have any liability to you in relation to the Services or under these End User Terms (other than for our fraud, breach of clause 6 (Privacy) or under the indemnity in clause 12.2 ), our liability is limited to resupply of the Services or payment of the cost of having the Services supplied again.

11.2 You acknowledge that the Services may assist you in dealing with Institutions, but we are not providing you with any legal, taxation, financial or other advice about the suitability or appropriateness of any service and we express no opinion on any service or Institution.

IMPLIED WARRANTIES

12.1 To the maximum extent permitted by law, and subject to clause 11.2, any representation, warranty, condition, guarantee or undertaking that would be implied into these End User Terms by legislation or otherwise is excluded.

12.2 Nothing in these End User Terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by Consumer Law or any other applicable law that cannot be excluded, restricted or modified ('Non-Excludable Obligation'). However to the fullest extent permitted by law, our liability for a breach of a Non-Excludable Obligation is limited, at our option, to the cost of supplying the Services again or payment of the cost of having the Services supplied again.

12.3 For the purposes of the above, 'Consumer Law' means (a) in Australia, as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth); and (b) in New Zealand, as set out in the Fair Trading Act 1986 (NZ) and the Consumer Guarantees Act 1993 (NZ).

INDEMNITY

13.1 You indemnify us from any Third Party Claims against us which arise due to your breach of the End User Terms.

13.2 We indemnify you from any Third Party Claims against you which arise due to our Services infringing a third party's intellectual property rights (other than due to your User Information, or any acts or omissions by you). If our Services are alleged to infringe a third party's intellectual property rights, we may, at our sole option and expense, elect to modify or replace the Services so they are non- infringing, or cancel supply of the Services and terminate this agreement. To the extent permitted by law, this clause states our sole liability, and your sole remedy, with respect to our Services infringing a third party's intellectual property rights.

13.3 Each party's liability under an indemnity is reduced to the extent that liability was caused or contributed by the other, and an indemnified party must: (i) promptly give written notice to the indemnifying party of the Third Party Claim; and (ii) allow the indemnifying party to conduct the defence and settlement of that claim (provided the indemnified party is not detrimentally impacted.

13.4 For the purposes of this clause 'Third Party Claim' means any claim, suit, action or demand by a third party, and will include any directly related liability, cost, damage or expense (including a fine or penalty imposed by a regulator).

CONFIDENTIALITY

14.1 Each party must (unless expressly agreed otherwise): (a) use Confidential Information only for the purposes of the Services including in the case illion, disclosure to the relevant illion Customer; and (b) keep confidential all Confidential Information and only disclose Confidential Information of the other party to its Personnel who need to know for the purposes of providing the services.

14.2 The confidentiality obligations in clause 13.1 do not apply to information that: (a) is or becomes legally in the public domain at the time of disclosure without a breach of clause 13.1; (b) is legally obtained from a third party; (c) was in already in the possession of a party at the time of disclosure without any associated obligation of confidentiality; (d) has been independently developed by a party; or (e) is required to be disclosed by law or the rules of a stock exchange.

14.3 For the purposes of this clause, 'Confidential Information' means all information that could be reasonably regarded in the circumstances as confidential and not part of the public domain, including, without limitation, information relating to the terms of this agreement or a party's business affairs.

FORCE MAJEUR

15.1 Neither party shall be liable for non-performance or delays caused by an external event beyond the reasonable control of a party, including, without limitation, acts of war, terrorism, cyber or data security attack, civil commotion, epidemic, natural disasters, blockades, embargoes, strikes and lockouts, any other acts of god or act of any government or governmental agency (Force Majeure Event). If the Force Majeure Event continues for a period of 60 days or more, the party not relying on the Force Majeure Event may terminate the affected agreement.

NOTICES

16.1 You agree that any notices or other communications may be provided to you electronically via a notice on the Website, or via the email you have provided as part of the registration process. You may send notifications to us in relation to your use of the System via odssupport@illion.com.au.

GENERAL

17.1 (Assignment) A party must not assign or novate this agreement, except with the prior written permission of the other party (not to be unreasonably withheld). However we may assign our rights or novate this agreement to any of our group companies or in connection with a merger or consolidation involving us or the sale of substantially all of our assets.

17.2 (Severability) If any part of these terms is illegal or unenforceable, it will be severed from these terms and the remaining terms will continue in full force and effect.

17.3 (Delay) No delay or failure by either party to exercise a right under these terms prevents the exercise of that right or any other right on that or any other occasion.

17.4 (Survival) Any provision of these End User Terms which is by its nature a continuing obligation will survive termination of these End User Terms (eg clause 10 (Disclaimer & Liability) clause 11 (Implied Terms) and clause 12 (Indemnity)).

17.5 (Laws) These End User Terms are governed by the laws of Victoria, Australia (when you are accessing Services via a ".com.au" Website), and the laws of New Zealand (when you are accessing the Services via a ".co.nz" Website).