Common use of HOW DO WE USE YOUR INFORMATION Clause in Contracts

HOW DO WE USE YOUR INFORMATION. We use your information to deliver our products and services, manage our business and comply with the law. We also use your information for other reasons, such as to better understand you and your needs. We collect and use your information so we can: • confirm your identity • provide you with the products and services that you have asked for • handle payments and refunds • communicate with you about your account • manage your credit arrangements with us • manage accounts that are overdue, including where we sell debt • respond to applications, questions, requests or complaints that you have made to us • maintain and update our records and carry out other administrative tasks • improve customer experience and do market research • if you are a shareholder, manage your shareholding • if you have applied to work with us, assess your application • investigate possible fraud and illegal activity • comply with laws, including assisting government agencies and law enforcement investigations, and • manage our business. If we don’t have your personal information, we may not be able to do these things. For example, we may not be able to deliver the products or services you have asked for or respond to your questions. Direct marketing We may also use your personal information to tell you about products or services that we think you might be interested in. We may send you marketing messages in various ways, including by mail, email, telephone, SMS, and digital marketing including advertising through our apps, websites, social media or third-party websites. If you tell us how you would prefer to be contacted, we will contact you in that way where we can. If you don’t want to receive direct marketing messages, you can opt out by: • contacting our Customer Solutions Team (see section 9 below), or • following the instructions in any marketing communication you receive from us (for example, using the ‘unsubscribe’ link in an email or responding to an SMS as instructed) Please note that we may still send you important administrative and safety messages even if you opt out of receiving marketing communications. The way we use data We’re always working to develop and improve our products and services, and improve our processes to ensure that they and we better meet your needs. New technologies let us combine information we have about our customers and users with data from other sources, such as third-party websites or the Australian Bureau of Statistics. We also collect information about people that does not identify them such as website and advertising analytics, and data from service providers. We analyse this data to help us learn more about our customers and improve our products and services. Where we work with partners or service providers to do this, we do not pass on personal information about you.

HOW DO WE USE YOUR INFORMATION. We may use the information we collect from you when you register, purchase products, enter a contest or promotion, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways: To personalize your information site experience and to allow us to deliver the type of content and product offerings in which you are most interested. To allow us to better service you in responding to your customer service requests. To quickly process your transactions. To administer a contest, promotion, survey or other site feature. If you have opted-in to receive our products email newsletter, free challenges, or a free ebook, we will send you educational and servicesmarketing emails. If you would no longer like to receive promotional email from us, manage please refer to the “How can you opt-out, remove or modify information you have provided to us?” section below. If you have not opted-in to receive email newsletters, you will not receive these emails. Visitors who register or participate in other site features such as marketing programs and ‘members-only’ content will be given a choice whether they would like to be on our business email list and comply with the lawreceive e-mail communications from us. DATA SECURITY We have put in place security measures to prevent your personal data from being accidentally lost, used, altered, disclosed, or accessed without authorisation. We also use allow access to your information for other reasons, personal data only to those employees and partners who have a business need to know such as data. They will only process your personal data on our instructions and they must keep it confidential. We have procedures in place to better understand deal with any suspected personal data breach and will notify you and any applicable regulator of a breach if we are legally required to. DATA RETENTION We will only retain your needs. We collect and use your information so personal data for as long as necessary to fulfil the purposes we can: • confirm your identity • provide you with the products and services that you have asked for • handle payments and refunds • communicate with you about your account • manage your credit arrangements with us • manage accounts that are overduecollected it for, including where for the purposes of satisfying any legal, accounting, or reporting requirements. When deciding what the correct time is to keep the data for we sell debt • respond to applicationslook at its amount, questionsnature and sensitivity, requests potential risk of harm from unauthorised use or complaints that you have made to us • maintain disclosure, the processing purposes, if these can be achieved by other means and update our records and carry out other administrative tasks • improve customer experience and do market research • if you are a shareholder, manage your shareholding • if you have applied to work with us, assess your application • investigate possible fraud and illegal activity • comply with laws, including assisting government agencies and law enforcement investigations, and • manage our business. If we don’t have your personal information, we may not be able to do these thingslegal requirements. For example, we may not be able tax purposes the law requires us to deliver the products or services you have asked for or respond to your questions. Direct marketing We may also use your personal keep basic information to tell you about products or services that we think you might be interested in. We may send you marketing messages in various ways, including by mail, email, telephone, SMS, and digital marketing including advertising through our apps, websites, social media or third-party websites. If you tell us how you would prefer to be contacted, we will contact you in that way where we can. If you don’t want to receive direct marketing messages, you can opt out by: • contacting our Customer Solutions Team (see section 9 below), or • following the instructions in any marketing communication you receive from us (for example, using the ‘unsubscribe’ link in an email or responding to an SMS as instructed) Please note that we may still send you important administrative and safety messages even if you opt out of receiving marketing communications. The way we use data We’re always working to develop and improve our products and services, and improve our processes to ensure that they and we better meet your needs. New technologies let us combine information we have about our customers (including Contact, Identity, Financial and users with Transaction Data) for seven years after they stop being customers. In some circumstances we may anonymise your personal data from other sources, such as third-party websites for research or the Australian Bureau of Statistics. We also collect statistical purposes in which case we may use this information about people that does not identify them such as website and advertising analytics, and data from service providers. We analyse this data indefinitely without further notice to help us learn more about our customers and improve our products and services. Where we work with partners or service providers to do this, we do not pass on personal information about you.

HOW DO WE USE YOUR INFORMATION. We use your information to deliver our products and services, manage our business and comply with the law. We also use your information for other reasons, such as to better understand you and your needs. We collect and use your information so we can: • confirm your identity • provide you with the products and services that you have asked for • handle payments and refunds • communicate with you about your account • manage your credit arrangements with us • manage accounts that are overdue, including where we sell debt • respond to applications, questions, requests or complaints that you have made to us • maintain and update our records and carry out other administrative tasks • improve customer experience and do market research • if you are a shareholder, manage your shareholding • if you have applied to work with us, assess your application • investigate possible fraud and illegal activity • comply with laws, including assisting government agencies and law enforcement investigations, and • manage our business. If we don’t have your personal information, we may not be able to do these things. For example, we may not be able to deliver the products or services you have asked for or respond to your questions. Direct marketing We may also use your personal information to tell you about products or services that we think you might be interested in. We may send you marketing messages in various ways, including by mail, email, telephone, SMS, and digital marketing including advertising through our apps, websites, social media or third-party websites. If you tell us how you would prefer to be contacted, we will contact you in that way where we can. If you don’t want to receive direct marketing messages, you can opt out by: • contacting our Customer Solutions Team (see section 9 below9), or • following the instructions in any marketing communication you receive from us (for example, using the ‘unsubscribe’ link in an email or responding to an SMS as instructed) Please note that we may still send you important administrative and safety messages even if you opt out of receiving marketing communications. The way we use data We’re always working to develop and improve our products and services, and improve our processes to ensure that they and we better meet your needs. New technologies let us combine information we have about our customers and users with data from other sources, such as third-party websites or the Australian Bureau of Statistics. We also collect information about people that does not identify them such as website and advertising analytics, and data from service providers. We analyse this data to help us learn more about our customers and improve our products and services. Where we work with partners or service providers to do this, we do not pass on personal information about you.