About Loans4uS and this document

Loans4uS is a finance brand used by MCT Automotive Group Pty Ltd ACN 636 285 017. MCT Automotive Group
Pty Ltd is Authorised Credit Representative Number 536785 of Finance Ezy.

This Credit Privacy and Credit Reporting Statement explains how we collect, hold, use, and disclose
personal information and credit-related information in connection with finance-related enquiries,
applications, assessments, pre-approvals, credit assistance, and related insurance or add-on products.

This Statement applies to finance-related enquiries and applications made through Loans4uS or another
MCT Group website. It operates in addition to the MCT Group Privacy Policy. To the extent this Statement
deals with credit-related information or finance-specific consents, this Statement supplements the general
privacy information in the MCT Group Privacy Policy.

Definitions

In this Statement:

AFCA means the Australian Financial Complaints Authority.

APPs means the Australian Privacy Principles contained in the Privacy Act.

Credit Provider Schedule means the schedule of credit providers set out in this
Statement.

credit providers means credit providers or lenders to whom your finance-related enquiry
or application may be submitted, including credit providers listed in the Credit Provider Schedule.

credit-related information includes credit information, credit reporting information,
credit eligibility information, and other personal information relevant to your creditworthiness, credit
application, finance-related enquiry, or suitability as a guarantor or related applicant.

credit reporting body means a credit reporting body for the purposes of the Privacy
Act, including Equifax and any other credit reporting body used in connection with a finance-related
enquiry or application.

Finance Ezy means Finance Ezy Pty Ltd ACN 108 225 841, Australian Credit Licence Number
392182.

Loans4uS means the Loans4uS finance brand operated by MCT Automotive Group Pty Ltd.

MCT Group Privacy Policy means the MCT Group Privacy Policy that applies generally to
MCT Group websites and services, as available at:
https://www.mctgroup.com.au/privacy-policy/.

personal information has the meaning given in the Privacy Act, and generally means
information or an opinion about an identified individual, or an individual who is reasonably
identifiable.

Privacy Act means the Privacy Act 1988 (Cth).

related applicant includes a co-applicant, borrower, co-borrower, guarantor, proposed
guarantor, or any other person whose information is relevant to the finance-related enquiry or
application.

we, us, and our means MCT Automotive Group Pty Ltd
ACN 636 285 017, trading under or using the Loans4uS brand, in its capacity as Authorised Credit
Representative Number 536785 of Finance Ezy.

you means the individual whose personal information or credit-related information is
collected, held, used, or disclosed in connection with a finance-related enquiry or application, including
an applicant, co-applicant, borrower, co-borrower, guarantor, proposed guarantor, or related applicant.

Personal information and credit-related information we collect

The information we collect depends on the nature of your enquiry or application. It may include your
name, date of birth, contact details, residential address, employment details, income and expenses, assets
and liabilities, identification information, bank statements or other financial information, vehicle
details, related applicant or guarantor information, and any other information reasonably required to
assess or progress a finance-related enquiry or application.

Credit-related information may include information about credit that you have applied for or obtained,
the type and amount of credit, repayment history information, default information, credit reporting
information supplied by a credit reporting body, information derived from credit reporting information,
and other information relevant to your creditworthiness or suitability for credit.

How we use and disclose that information

We may collect, hold, use, and disclose personal information and credit-related information for
purposes including:

• assessing and verifying your identity and financial situation;
• assessing your finance application, pre-approval request, or suitability as a guarantor;
• obtaining credit reports and verification services;
• arranging finance, related insurance, or related products you request;
• communicating with you about your enquiry, application, approval, or finance process;
• disclosing information to guarantors, related applicants, or persons you nominate where relevant;
• disclosing information to credit providers, lenders, insurers, credit reporting bodies, aggregation
  partners, finance platforms, and verification sources;
• meeting legal, regulatory, record-keeping, audit, and compliance requirements;
• responding to complaints, disputes, enquiries, or enforcement-related requests; and
• otherwise as permitted or required by law.

If you do not provide information that we reasonably require, we may be unable to assess, verify,
submit, or progress your finance-related enquiry or application.

Identity and financial situation verification

We may collect and use personal information and credit-related information to verify your identity and
financial situation. This may include information collected to meet obligations under the Anti-Money
Laundering and Counter-Terrorism Financing Act 2006 (Cth), the National Consumer Credit
Protection Act 2009 (Cth), privacy and credit reporting laws, and related verification
requirements.

This verification may include obtaining information from, and disclosing information to, credit
reporting bodies, credit providers, employers, landlords, real estate agents, financial institutions,
guarantors, related applicants, and other persons reasonably necessary to verify information or progress
the application.

Credit reporting bodies

We may exchange personal information and credit-related information with credit reporting bodies in
connection with finance-related enquiries and applications. This may include disclosing identity details
to obtain a credit report, using information provided by a credit reporting body to assist with a
preliminary assessment or suitability assessment, and requesting verification of information provided by
an applicant or guarantor.

Our current credit reporting body is Equifax. Equifax can be contacted on 1300 762 207 or by email at
[email protected]. Equifax’s
privacy policy is available at
www.equifax.com.au.

Credit providers, aggregation partners, insurers, and verification sources

We may submit your finance-related enquiry or application to, and disclose or exchange personal
information and credit-related information with, credit providers, Finance Ezy, aggregation partners,
insurers, guarantors, related applicants, financial institutions, employers, landlords, real estate
agents, agents, attorneys, guardians, advisers, service providers, and other persons reasonably necessary
to verify information or progress your application.

Credit providers may collect, hold, use, and disclose personal information and credit-related
information in accordance with their own privacy policies and credit reporting policies. If your
application proceeds with a credit provider, you may be asked to provide further consents or
acknowledgements directly to that credit provider.

Aggregation partner

Finance Ezy has finance aggregation arrangements with Fintelligence Pty Ltd ACN 625 017 174, Australian
Credit Licence Number 511803. Through that arrangement, we may use the Ambition platform as part of the
finance application and credit assistance process, including to collect and process application
information, prepare or provide relevant documentation, access a range of credit providers, and support
related compliance, audit, and client contact activities.

Credit Provider Schedule

We may submit your finance application to one or more credit providers, including credit providers
listed in the schedule below.

Overseas disclosure

Overseas disclosure and overseas access arrangements are described in the MCT Group Privacy Policy.
Credit providers, insurers, aggregation partners, credit reporting bodies, and other recipients may also
have their own overseas disclosure arrangements, which may be described in their own privacy policies or
credit reporting policies.

Marketing

Where permitted by law, and where we have the appropriate consent or other lawful basis, we may contact
you about products and services offered by Loans4uS or MCT Group. You can opt out of receiving marketing
communications at any time by using the unsubscribe or opt-out method in the communication, or by
contacting us at [email protected].
Opting out of marketing communications does not affect transactional, finance-related, or service-related
communications.

You may also have rights to ask a credit reporting body not to use your credit reporting information
for certain direct marketing or pre-screening activities, where those rights are available under
applicable credit reporting laws. You should contact the relevant credit reporting body for further
information about those rights.

Electronic communications consent

If you provide us with an email address or mobile phone number, you consent to us using those details
to send you, or make available to you, notices and relevant documents electronically, including documents
from a credit provider or insurer, where permitted by law.

You are responsible for maintaining appropriate software, hardware, and processes to receive, access,
review, print, and save copies of electronic documents. If your contact details change, you must promptly
notify us. You may withdraw your consent to electronic communications by contacting us on 1300 509 075 or
at [email protected].

Further electronic communications consent wording may also be included in the
Loans4uS Credit Application Authorisations and
Consents or in other finance application documents presented to you.

Fraud and suspected identity theft

If you believe that you have been, or may become, a victim of fraud or identity theft, you may contact
us or a credit reporting body. Credit reporting bodies may offer mechanisms to help protect individuals
where fraud or identity theft is suspected, including a ban period or similar restriction on use or
disclosure of credit reporting information, where available under applicable credit reporting laws.

Access, correction, and complaints

You may request access to personal information and credit-related information that we hold about you.
You may also ask us to correct personal information or credit-related information that you believe is
inaccurate, out of date, incomplete, irrelevant, or misleading.

Where your request relates to credit-related information, additional requirements under the Privacy
Act, the Privacy (Credit Reporting) Code, and related credit reporting rules may apply. In particular,
credit providers and credit reporting bodies may be required to deal with correction requests within
specified timeframes and, where necessary, consult with other credit providers or credit reporting
bodies.

You may also contact a credit reporting body directly to request access to, or correction of, credit
reporting information that it holds about you. Our current credit reporting body is Equifax.
Equifax’s contact details and privacy policy are set out above.

If you believe we have mishandled your personal information or credit-related information, you may make
a complaint using the contact details below. We will consider your complaint and respond within a
reasonable period.

If you are not satisfied with our response, you may be able to complain to the Office of the Australian
Information Commissioner (OAIC) at
www.oaic.gov.au.

If your complaint relates to credit assistance or credit-related information handled in the finance
process, additional complaint avenues may also be available, including through AFCA, where applicable.

Contact us

Phone: 1300 509 075
Email: [email protected]
Mail: MCT Automotive Group Pty Ltd, 116 Holt Street, Eagle Farm QLD 4008

Last updated: 21 August 2026