Privacy Policy

M2 Financial Pty Ltd as trustee for the M2 Financial Unit Trust trading as The Funding Agency ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we manage your personal information in accordance with the Australian Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code.

What Information We Collect We may collect personal information such as:

• Your full name, date of birth, and contact details;
• Financial and credit-related information;
• Employment and income details;
• Identification documents, such as your driver's licence or passport;
• Details about your assets, liabilities, and expenses;
• Information related to your financial goals and objectives.

How We Collect Information We may collect information directly from you through forms, phone conversations, emails, or our website. We may also gather information from third parties such as:

• Credit reporting bodies;
• Financial institutions;
• Real estate agents, accountants, or other financial service providers.

Why We Collect Your Information We collect, hold, and use your information to:

• Assess your financial situation and suitability for credit products;
• Facilitate loan applications and financial solutions;
• Fulfil legal and regulatory requirements;
• Manage our ongoing relationship with you;
• Provide you with marketing information where applicable.

How We Share Your Information We may disclose your personal information to:

• Lenders, banks, and financial institutions;
• Credit reporting bodies and other credit providers;
• Mortgage insurers, property valuers, and industry regulators;
• Our professional advisers, auditors, and legal representatives;
• External service providers who assist us in delivering our services;
• Government bodies or law enforcement where legally required.

Overseas Disclosure While we aim to keep your information within Australia, we may transfer your information to overseas entities for data storage, processing, or service support. We take reasonable steps to ensure your data is protected in these circumstances.

Marketing We may use your personal information to provide updates on financial products, special offers, and industry insights. You can opt-out of marketing communications at any time by contacting us directly.

Security of Your Information We implement comprehensive security measures to safeguard your personal data, including encryption, secure data storage, and restricted staff access.

Access and Correction of Personal Information You have the right to request access to the personal information we hold about you and request corrections if necessary. We will respond to your requests promptly and in accordance with the APPs.

Your Rights and Complaints If you believe we have breached your privacy rights or mishandled your personal information, you can submit a complaint to our Privacy Officer. We take privacy concerns seriously and aim to resolve complaints promptly. If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner (OAIC).

AFCA Contact Details:

• Website: www.afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Mail: GPO Box 3, Melbourne VIC 3001

Cookies and Website Tracking Our website may use cookies to improve functionality and user experience. Cookies collect anonymous data about your browsing behaviour. You can manage or disable cookies through your browser settings.

Data Retention We will retain your personal information for as long as necessary to fulfil our legal, regulatory, and administrative obligations. When data is no longer required, we securely destroy or de-identify the information.

Changes to Our Privacy Policy We may update this Privacy Policy from time to time to reflect legislative changes or improvements in our privacy practices. Any updates will be published on our website.

How to Contact Us If you have any further questions or issues about privacy at The Funding Agency, please contact us by:

Phone: 03 9042 3572
Email: info@thefundingagency.com.au
In Writing: The Funding Agency Privacy Officer, Suite 141/101 Moray Street, South Melbourne, 3205