This statement should be read with Earnd’s Credit Reporting Policy which is available on our website. It describes the credit reporting bodies (CRBs) to whom we may disclose your credit information. It also describes your key rights in relation to your credit information. Our handling of credit information is regulated by the Privacy Act 1988 (Cth) (Privacy Act) and the Privacy (Credit Reporting) Code (CR Code).

When you apply for credit with Earnd Pty Ltd (ABN 46 625 490 968), we collect your personal information, and may disclose it to a CRB to assist us to assess your creditworthiness. We may also disclose to a CRB the fact that you have failed to meet your payment obligations under a loan or credit contract, have committed a serious credit infringement, or are dealing with us for a commercial credit-related purpose. You can read more about our management of credit-related personal information, how to ask us to correct information, and how to make complaints to us about how we manage by following the information in our Credit Reporting Policy.

Your rights:

You may request that a CRB not use or disclose your credit reporting information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.

You may contact a CRB to request that they not use your credit reporting information for the purposes of pre-screening of direct marketing by a credit provider.

You may contact the CRB (on their details above) about their management of credit-related personal information.