Privacy Policy and Collection Notice

BrokerFi Plus is a registered trading name of BrokerFi Pty Ltd (ABN 97 693 051 160) ("BrokerFi Plus", "we", "us", "our"). BrokerFi Pty Ltd is an authorised credit representative (number 575397) of Access Lending Group Pty Ltd (ABN 70 648 921 957), Australian Credit Licence 531308. BrokerFi Plus operates a broker and lender matching service. When you make an enquiry through one of our online calculators or enquiry forms, we connect your enquiry with a licensed finance broker who can assist you, or in some cases directly with a lender. This policy explains how we collect, hold, use and disclose your personal information when you use our calculators, forms and websites, and your rights under the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

When you use our calculators or submit an enquiry, we collect the information you provide, which may include: • your name, mobile number, email address and state or territory; • a one-time code we send to your mobile number to confirm it belongs to you, and a record of whether that verification succeeded; • details of the finance you are enquiring about, such as loan amount, loan purpose, loan term and, for a car loan, the type and age of the vehicle; • your employment status and income; • information you declare about your credit position, such as whether you have any defaults, current small amount or payday loans, and your residency or visa status; and • technical information collected automatically, such as your IP address, device and browser information, the page you submitted from, the advertising click identifier (if any) that brought you to our page, and the date and time of your submission. We also record the exact consent wording displayed to you and the time you accepted it. We do not collect credit reports or credit eligibility information from credit reporting bodies through our calculators. If a broker partner later assists you with a credit application, that broker will seek any further consents required at that time. If your enquiry is referred to a lender partner, that lender may obtain a credit report with your consent as part of its own assessment.

We collect, hold and use your information to: • provide indicative calculations and respond to your enquiry; • confirm your mobile number so that the broker or lender who receives your enquiry can reach you; • assess and categorise your enquiry so it can be matched to a suitable broker partner or lender partner; • provide your enquiry and the details you submitted to a licensed finance broker partner, who will contact you about your enquiry. We receive a fee or other benefit from broker partners for enquiries we provide to them; • where your enquiry does not meet the criteria of our broker partners, or you tell us you would prefer to apply directly with a lender, provide your enquiry and the details you submitted to a lender partner. That lender may contact you about applying for credit with them. We receive a fee or commission from lender partners for enquiries we refer to them, and in some cases a further commission if a loan is settled; • confirm to you, by email or SMS, which broker partner or lender partner has received your enquiry; • measure whether our advertising led to your enquiry, as described in section 5; • operate, secure and improve our platform, including fraud and misuse prevention; and • comply with our legal obligations and keep records of consent. If you do not provide the information requested, we may not be able to process your enquiry or connect you with a broker partner or lender partner.

We disclose your personal information to: • licensed finance broker partners. Where we match your enquiry to a broker partner, your enquiry is provided to one broker partner on an exclusive basis, and that broker partner (including their authorised staff) will contact you. All broker partners hold an Australian Credit Licence or are authorised credit representatives of a licensee, and we verify this before they can receive enquiries; • BrokerFi Pty Ltd's own brokerage, which participates in receiving enquiries on the same basis as other broker partners; • lender partners. Where we refer your enquiry directly to a lender, we provide your enquiry and the details you submitted to one lender partner that holds an Australian Credit Licence. That lender will contact you directly and will handle your information under its own privacy policy and credit reporting policy. Any credit check or credit application will be conducted by the lender, with your separate consent, at that time. We will confirm to you by email or SMS which lender has received your enquiry; • our service providers who support the operation of our platform, including hosting, database, customer relationship management, email and SMS delivery, mobile number verification, analytics, advertising measurement and payment providers; • our professional advisers, and law enforcement, government or regulatory bodies where required or authorised by law. We do not sell your personal information to data brokers, marketing list compilers or any party other than the licensed broker and lender matching described above.

We use cookies and similar technologies on our websites and calculators. These include: • analytics tools that help us understand how our pages are used; • session replay tools that record how visitors interact with our pages, such as scrolling and clicks. These tools are configured not to record what you type into form fields; • advertising tools from Meta and Google that measure whether our ads led to an enquiry. Where you arrived at our page from an ad, we store the advertising click identifier in a cookie for up to 90 days so we can attribute your enquiry to that ad, even if you return later. When you submit an enquiry, we may share limited information such as a hashed version of your email address or mobile number with Meta or Google so they can match the enquiry to the ad you clicked. These providers handle that information under their own privacy policies. You can control or delete cookies through your browser settings. Some features of our calculators may not work without them.

We use automated systems to categorise your enquiry based on the information you provide, such as loan amount, employment and declared credit position, and to match it to a broker partner or lender partner. No decision about whether you are offered credit is made by us or by these systems. That assessment is made by the broker or lender who assists you, and you can ask them to review any matching outcome. Broker partners may use automated tools on our platform, including AI-assisted messaging, to send you text messages and emails about your enquiry. You can ask to speak to a person at any time by replying to any message.

Some of our service providers store or process information on infrastructure located outside Australia, including in the United States. These may include our hosting, database, email delivery, SMS delivery, mobile verification, analytics and advertising measurement providers. We take reasonable steps to ensure overseas recipients handle your information consistently with the Australian Privacy Principles.

Your information is held in our secure platform systems. We use access controls, encryption of credentials, and logging to protect it. Enquiries provided to a broker partner are accessible only to that broker partner and to us as platform operator. Enquiries referred to a lender partner are accessible only to that lender and to us. We retain enquiry records, including consent records, for as long as needed for the purposes above and to meet our legal obligations, after which they are deleted or de-identified.

We may contact you about your enquiry and directly related services. We will only send you other marketing communications where the law permits, and every marketing message will include a simple way to opt out. You can opt out at any time by using the unsubscribe link, replying STOP to a text message, or contacting us at the details below. Opting out of marketing does not affect messages we must send about your enquiry itself.

You may request access to the personal information we hold about you, ask us to correct it, or make a privacy complaint by contacting: Privacy Officer, BrokerFi Plus (BrokerFi Pty Ltd) Email: privacy@brokerfiplus.com.au Post: Level 17, 459 Collins Street, Melbourne Vic 3000 We will respond within a reasonable period, usually within 30 days. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or 1300 363 992.

We may update this policy from time to time. The current version, with its effective date and version number, will always be available on our website. Consent records are matched to the version of the wording displayed at the time of submission.