Radium Capital Pty Ltd

1. Personal Information and its importance

   Personal information is information or an opinion about you from which your identity is apparent. Protecting your privacy is fundamental to the way we do business. This document sets out the way we will collect, store, use and share your personal information. It will also provide you with information about what you can do to access the personal information we have about you, the way you can have it corrected, if necessary, and what steps you can take to complain about any action taken by us in relation to the information.

   The legal framework under which we deal with your personal information is set out in the Privacy Act, the 13 Australian Privacy Principles (contained in Schedule 1 to the Privacy Act) and the Credit Reporting Privacy Code made under the Privacy Act. These rules apply to information about individuals, not corporations.

2. Why we collect personal information

   The first step of the application process requires your first name, last name, industry your business operates, and your email address as mandatory information. We additionally request a contact phone number, which you are not obliged to provide.

   We collect this personal information so we can:

   • Contact you to progress your application
   • Verify your contact details
   • Resolve any dispute you have with us

   We will not use this information to:

   • provide you with information about other products or services we currently offer, may offer in the future, or are offered by our commercial partners

   We will not use personal information we have collected for a purpose other than that disclosed in this Information Collection Statement without your consent, or in circumstances where you would reasonably expect the use for that purpose.

   1. Access

      The Privacy Act provides that, subject to some exceptions, you have a right to know what information we hold about you including information we have obtained from a credit reporting bodies. If you wish to access the personal information we hold about you, including information we have obtained from a credit reporting body, you should make contact with us in any of the following ways:-

      Tel:	1800 723 486
      Email:	support@radiumcapital.com.au
      Mail	PO Box Z5460
      	St Georges Tce
      	Perth WA 6000

      It may be necessary for us to verify your identity before we can provide any information.

      We will usually be able to provide this information to you within 30 days of the request. Should we require longer, we will write to you advising you a reason and seeking additional time. We may require you to pay our reasonable costs of providing this information to you. There are restrictions in relation to those costs contained in the law.

      If possible, we will provide you with the personal information in the form you request. However, in some circumstances it may be necessary for you to access that information in a method determined by us, but we will always make it as easy as possible for you to access that information.

      There may be occasions where we cannot provide you with that information. In such a case we will write to you and give you our reasons.

   2. Correction

      You can request that any personal information we hold be corrected if it is inaccurate, incomplete or out of date. If you wish to make such a request you should contact us by any of the methods set out above.

      If your request relates to information that we have received from a credit reporting body, we will contact the credit reporting body and advise them of your request.

      If we agree with you that your information is inaccurate, incomplete or out of date we will make the appropriate changes and will write to you and tell you the changes we have made within seven days of making that change.

      If we do not agree that the information is inaccurate, incomplete or out of date, we will write to you giving you the reasons why we have formed the opinion and tell you what steps you can take as a result of our refusal to change the information.

   3. Complaints

      You are entitled to complain if you believe we have not dealt with your personal information in accordance with the provisions of the Privacy Act (including the 13 Australian Privacy Principles) or any code under the Privacy Act (including the Credit Reporting Privacy Code).

      If you wish to make a complaint, you should first contact us telling us what the complaint is and we will do our best to resolve the complaint with you.

      If we believe that we cannot resolve the complaint within 30 days, we will write to you telling you why and seeking further time.

      If you are not satisfied with the resolution of the complaint, you have a right to refer the complaint to the office of the Australian information Commissioner (“OAIC”).

      The contact details of those two bodies are as follows:

      Credit & Investments Ombudsman

      Phone	1800 138 422
      Fax	02 9273 8440
      Mail	PO Box A252, Sydney South NSW 1235
      E-Mail	info@cosl.com.au
      Website	www.cio.org.au
      Complaint form:	http://www.cio.org.au/complaint-resolution/making-a-complaint/

      Office of the Australian Information Commissioner

      Phone	1300 363 992
      Fax	02 9284 9666
      Mail	GPO Box 5218, Sydney NSW 2001
      Email	enquiries@oaic.gov.au
      Website	www.oaic.gov.au
      Complaint form:	https://forms.business.gov.au/aba/oaic/privacy-complaint-/

      We have a written policy (“Dispute Resolution Policy”) in place under which we deal with any complaint. We can provide you with a copy of that policy on request.

      We will manage your complaint, so far as we are able, under the Dispute Resolution Policy.