Zayer Finance
Huthnance Investments Pty Ltd ACN 683 699 989 as trustee for the Huthnance Family Trust ABN 92 868 797 064, trading as Zayer Finance

Huthnance Investments Pty Ltd is Authorised Credit Representative 565781, and Isaiah Huthnance is Authorised Credit Representative 565782, of Simple Finance Group Australia Pty Ltd ABN 58 641 445 954, Australian Credit Licence 540378.

Effective date: 1 November 2026 | Version: 1.0

1. About this policy

In this policy, "Zayer Finance", "we", "us" and "our" means Huthnance Investments Pty Ltd ACN 683 699 989 as trustee for the Huthnance Family Trust (ABN 92 868 797 064), trading as Zayer Finance, and its authorised credit representatives.

We are a finance broker. We help individuals and businesses compare and apply for vehicle, equipment, business and other asset finance with lenders on our panel. We do not lend money ourselves.

We are bound by the Privacy Act 1988 (Cth) (Privacy Act), including the Australian Privacy Principles (APPs). Where we handle credit-related information, we also comply with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code (CR Code). This document is both our APP privacy policy and our credit reporting policy.

This policy explains:

• what personal information we collect, and why;
• how we collect, use, store and disclose it, including to overseas recipients;
• how our website, forms, cookies and advertising tools work;
• how you can access or correct your information, opt out of marketing, or make a complaint.

We may give you a more specific privacy collection notice or consent form when you apply for finance. If that notice is inconsistent with this policy, the specific notice applies.

2. What personal information we collect

Depending on the service, we may collect:

• Identity and contact details: your name, date of birth, gender, address and residential history, phone number, email address, driver licence, passport, Medicare card or other ID, and photographs or "selfies" used for identity verification.
• Financial details: income, employment and employer details, assets, liabilities, living expenses, bank account statements and transaction data, tax returns, business financial statements, ABN and business details, and existing credit products.
• Credit-related information: see section 4.
• Asset and purchase details: the vehicle, equipment or other asset you want to buy, the seller or dealer, the purchase price and insurance details.
• Information about other people: for example a co-applicant, guarantor, spouse, director, referee or dependant. If you give us someone else's information, please tell them about this policy.
• Communications: emails, SMS, messages, call notes and, where we tell you first, call recordings.
• Website and device information: IP address, device and browser type, pages viewed, approximate location, referring website or advertisement, and cookie or similar identifiers (see section 8).
• Marketing preferences, survey responses, and reviews you choose to give us.

Sensitive information

We only collect sensitive information (for example health information) with your consent, and only where it is reasonably necessary. An example is when you tell us about illness, injury or other personal circumstances that affect your ability to repay, or when you ask a lender for hardship assistance.

Anonymity and pseudonyms

You can make a general enquiry without identifying yourself. We cannot arrange finance anonymously, because the law requires lenders and us to verify your identity and assess your financial situation.

3. Why we collect, use and hold personal information

We collect, use and hold personal information to:

• respond to your enquiry and verify your identity, including by one-time passcode (OTP) SMS verification of your mobile number;
• provide credit assistance, which includes:
  • understanding your requirements and objectives;
  • making reasonable inquiries about your financial situation and verifying it;
  • completing the preliminary assessment required by the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act);
  • recommending suitable products;
  • preparing and lodging applications with lenders, and helping you through to settlement;
• arrange related products you ask for, such as insurance, warranties, or vehicle and asset inspections;
• meet our legal and regulatory obligations, including under the NCCP Act, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), and tax and record-keeping laws, and our obligations to our credit licensee;
• manage complaints and disputes, and deal with AFCA, regulators and our licensee;
• run our business, including administration, quality assurance, training, audit, compliance monitoring, IT support, analytics and improving our website and services;
• tell you about products and services that may interest you, unless you opt out (see section 9);
• for any other purpose you consent to, or that is required or authorised by law.

If you do not give us the information we ask for, we may not be able to help you, or a lender may decline your application.

4. Credit information and credit reporting

4.1 What we collect

In helping you apply for credit, we may collect, hold, use and disclose:

• credit information:
  • identification information;
  • details of current and past consumer credit accounts, including repayment history information;
  • information about credit applications and requests for information;
  • default and payment information;
  • new arrangement information;
  • court proceedings and personal insolvency information;
  • publicly available information about your creditworthiness;
  • opinions that you have committed a serious credit infringement;
• credit eligibility information: information we, or a lender, obtain from a credit reporting body (CRB), and information derived from it, such as a credit score.

4.2 How we collect it

We collect credit-related information from you, from documents you give us (for example a copy of your credit report), from lenders, and, where you have authorised it, from CRBs.

We will only obtain your credit report from a CRB with your express consent. Where we obtain it ourselves, we do so through our subscription with Equifax, and we will tell you beforehand how the enquiry may appear on your credit file. Lenders you apply to will usually also obtain your credit report as part of assessing your application, and that enquiry may be recorded on your credit file.

4.3 How we use and disclose it

We use credit-related information to assess which products may be suitable for you and to prepare and lodge your application. We disclose it to:

• the lenders you apply to;
• our credit licensee;
• other parties listed in section 6, where permitted by Part IIIA and the CR Code.

We do not give information to CRBs to be included on your credit file.

4.4 Credit reporting bodies

The CRB we use to obtain credit reports is:

• Equifax Pty Ltd – www.equifax.com.au – 13 83 32

The lenders you apply to may also obtain information from other CRBs, such as illion (www.illion.com.au) or Experian (www.experian.com.au). Contact details for each CRB are on its website.

Each CRB has a credit reporting policy on its website that explains how it handles your information.

You have the right to ask a CRB:

• not to use your information for pre-screening of direct marketing by a credit provider;
• not to use or disclose your information for 21 days (a "ban period"), if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud, including identity fraud.

4.5 Access, correction and complaints about credit information

See sections 10 and 11. If you ask us to correct credit information, we will deal with the request within 30 days, or a longer period you agree to in writing. We may consult the CRB or lender concerned. We will tell you in writing of our decision, and we will tell you if we cannot correct the information and why.

5. How we collect personal information

We collect personal information:

• directly from you:
  • through our website forms and online application;
  • by phone, SMS, email and social media messages;
  • in meetings;
  • through documents you upload or send us;
• from third parties, with your consent or where permitted by law:
  • lenders and credit providers;
  • CRBs;
  • your employer, accountant or other adviser;
  • referrers, dealers and vehicle sellers;
  • identity verification services;
  • bank statement and open-banking data providers you authorise;
  • insurers;
  • government registers (such as the PPSR, ABN Lookup and ASIC registers);
  • publicly available sources;
• automatically, when you use our website or interact with our advertising (see section 8).

If we receive personal information we did not ask for, we will destroy or de-identify it where lawful and reasonable, unless we could have collected it under the APPs.

6. Who we disclose personal information to

We may disclose your personal information to:

• lenders, lessors and credit providers on our panel, and their service providers (for example valuers, inspectors, settlement agents and mortgage managers);
• our Australian credit licensee, Simple Finance Group Australia Pty Ltd (ACL 540378), for compliance, monitoring, audit and complaint handling;
• our aggregator, Fintelligence Pty Ltd, and its related companies, which provide lender access, broker support, compliance and commission services;
• insurers and insurance intermediaries, warranty providers, dealers and vehicle or equipment sellers involved in your purchase;
• identity verification, electronic signature, bank statement, open-banking and document collection providers;
• our CRM, loan application, cloud storage, email, SMS (including the SMS service used for one-time passcode verification), telephony, website hosting, analytics and IT providers;
• our staff and contractors, including support staff located overseas (see section 7);
• your representatives and anyone you authorise, such as your accountant, lawyer, financial adviser, co-applicant, guarantor or a referrer, where you have agreed;
• our professional advisers, auditors and insurers;
• AFCA, the OAIC, ASIC, AUSTRAC, the ATO, courts, police and other government bodies, where required or authorised by law;
• a prospective buyer of our business, under confidentiality obligations.

We do not sell your personal information.

Referral commissions: if someone referred you to us, we may tell them whether your loan settled. Where required, we will tell you about any commission or fee we pay them, in our Credit Guide or Credit Quote.

7. Overseas disclosure

Some of our service providers store or process personal information outside Australia. In particular:

• some of the cloud software, email and data storage providers we use may store or back up data on servers located outside Australia;
• personal information may be accessed by support staff located overseas who assist us with administration and application processing.

Before we disclose personal information to an overseas recipient, we take reasonable steps to ensure it handles the information consistently with the APPs. This includes contractual confidentiality and privacy obligations, restricted system access and multi-factor authentication. We remain accountable for how they handle your information as required by the Privacy Act.

We do not disclose credit eligibility information to anyone without an Australian link unless Part IIIA permits it.

8. Our website, cookies, analytics and advertising

When you visit zayerfinance.com.au, we and our technology providers may collect information using cookies, pixels, tags and similar technologies. We use these to:

• make the website and forms work. For example:
  • Gravity Forms saves your application progress;
  • Google Maps address autocomplete helps you fill in your address;
  • an SMS one-time passcode verifies your mobile number;
• understand how people use the website, through Google Analytics / Google Site Kit and Burst Statistics;
• measure and improve our advertising, and show our ads to people who have visited our website or are similar to our customers. We use:
  • advertising and analytics tools such as Google and Meta (Facebook and Instagram), including conversion tracking and remarketing;
• display reviews and social media feeds (Trustindex/Google reviews, Facebook, Instagram, X and YouTube embeds). Those platforms may set their own cookies.

These tools may collect your IP address, device identifiers, pages visited, ad clicks and form-completion events. They may combine this with information the platform already holds about you. We do not intentionally send the content of your form answers (such as income, expenses or credit history) to advertising platforms. If we share contact details with these platforms to measure our advertising, we only send them in hashed (scrambled) form, such as a hashed email address or phone number, so the platform can measure whether an ad led to an enquiry.

Google and Meta handle this information under their own privacy policies:

• policies.google.com/privacy
• facebook.com/privacy/policy

Your choices:

• block or delete cookies in your browser settings;
• use private or incognito browsing, or a browser setting or extension that blocks tracking;
• opt out of Google ad personalisation at adssettings.google.com;
• opt out of Meta ad personalisation in your Facebook or Instagram "Ad preferences";
• opt out of Google Analytics with the Google Analytics opt-out browser add-on.

Our website may link to other websites, including lender and partner sites. We are not responsible for their privacy practices.

9. Direct marketing

We may use your contact details to send you information about our services, lender offers, refinancing opportunities and news. We will do so by email, SMS, phone or social media where:

• you have consented;
• the law otherwise allows it (for example, where you would reasonably expect it as an existing client).

Every marketing email and SMS will identify us and include a free way to unsubscribe. We will action an unsubscribe request within 5 business days, as required by the Spam Act 2003 (Cth). You can also opt out at any time by:

• replying "STOP";
• clicking "unsubscribe";
• emailing approvals@zayerfinance.com.au.

Opting out of marketing will not stop service messages about an enquiry or application you have with us. We do not use credit reporting information for direct marketing.

10. Storage, security and retention

We hold personal information in electronic systems (including cloud-based CRM, loan application, email and document storage systems) and occasionally in paper form. We take reasonable steps to protect it from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps include:

• access controls and multi-factor authentication;
• encryption in transit (HTTPS);
• password management;
• staff confidentiality obligations and training;
• secure disposal.

The NCCP Act and anti-money laundering laws require us to keep certain records, generally for 7 years. When we no longer need personal information for any lawful purpose, we take reasonable steps to destroy or de-identify it.

Data breaches: if we suspect an eligible data breach, we will assess it promptly. Where required by the Notifiable Data Breaches scheme, we will notify affected individuals and the OAIC.

No internet transmission is completely secure. Please contact us if you would prefer to send documents another way.

11. Accessing and correcting your personal information

You can ask to access the personal information, including credit eligibility information, that we hold about you. You can also ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading. Contact our Privacy Officer (section 13).

• We will respond within a reasonable time, and generally within 30 days.
• We will not charge you for making a request. We may charge a reasonable fee to cover the cost of providing access, and we will tell you the fee first. We do not charge for access to credit eligibility information unless the law permits it.
• If we refuse access or correction, we will tell you why in writing and how to complain. If we refuse to correct information, you can ask us to attach a statement that you believe it is inaccurate.

12. Complaints

If you have a complaint about our privacy or credit reporting practices, or about any service we provided, please contact us first (section 13). Our complaints process is also set out in the Complaints and Dispute Resolution section of our Terms and Conditions, and is consistent with ASIC Regulatory Guide 271:

• We will acknowledge your complaint within 1 business day of receiving it, or as soon as practicable.
• We will investigate and give you a final written response within 30 calendar days. If we cannot, we will tell you why and of your right to complain to AFCA.
• For a credit reporting complaint, we will acknowledge it within 7 days and aim to resolve it within 30 days. We may consult the CRB or lender involved.

If you are not satisfied with our response, or we have not responded within the timeframe, you can contact:

Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme
Website: www.afca.org.au | Email: info@afca.org.au | Phone: 1800 931 678 (free call)
Mail: GPO Box 3, Melbourne VIC 3001
Our AFCA membership number: 112618

Time limits may apply to complain to AFCA, so you should act promptly or check the AFCA website.

Office of the Australian Information Commissioner (OAIC), for privacy and credit reporting complaints
Website: www.oaic.gov.au | Phone: 1300 363 992
Mail: GPO Box 5288, Sydney NSW 2001

13. Contact us – Privacy Officer

Privacy Officer – Zayer Finance
Isaiah Huthnance
Email: approvals@zayerfinance.com.au
Phone: 0461 434 851
Post: 75 Tudor Street, Hamilton NSW 2303

You can also contact our credit licensee, Simple Finance Group Australia Pty Ltd trading as Dealify (ACL 540378): phone 1300 28 57 67, email accounts@dealify.au, or post to Customer Service Team – Complaints, PO Box 1816, Newcastle NSW 2300.

14. Changes to this policy

We may update this policy from time to time. The current version will always be available on our website, and a free printed or electronic copy is available on request.