By applying you are giving your consent to the use and disclosure of your personal information as part of assessing your application and then establishing and administering your account. Regardless of when or how the information is collected, your personal information may be shared between, and used by Fast Easy Loans and the Lender, for the primary purpose and for related purposes including:

• consideration of any other application made by you to Fast Easy Loans for financial products or services
• customer relations including management of our relationship with you and market or customer satisfaction research and product development
• compliance with legislative and regulatory requirements (including without limitation the Anti-Money Laundering and Counter-Terrorism Financing Act 2006)
• compliance with payment systems requirements
• our internal operations including record keeping, risk management, securitisation, credit scoring and portfolio analysis and
• arrangements with other organisations to provide services in relation to our products and services

The Lender may also disclose your credit information and personal information for those purposes to the following organisations (“Disclosure Parties”):

• credit reporting agencies
• its service providers and alliance partners
• its agents, contractors and external advisers
• your referees, including your employer
• your legal and financial advisers
• government and other regulatory bodies, law enforcement bodies and courts external complaint resolution bodies e.g. Credit Ombudsman Service Limited (COSL).
• rating agencies
• payment system operators and
• other financial institutions and lenders and brokers.

I/We by applying authorise Fast Easy Loans PTY LTD and their Lenders to do the above in accordance with the Privacy Act 1988. Further, I/We acknowledge that by applying we agree that this authority is a continuing authority that has effect before, during and after the provision of any credit.

Privacy Statement

The Privacy Act regulates the collection, use and disclosure of your personal information. This document informs you about the use that will be made of the personal information provided by you in your loan application form and how your personal information may be disclosed to other parties in certain circumstances. By signing this notice you are giving your consent to the use and disclosure of your personal information as detailed in the notice. If you do not provide your consent, Fast Easy Loans may not be able to process or accept your application. In this application form “Lender” means Fast Easy Loans (if your loan application is accepted by us, the Loan contract of offer will specify the name of the lender).

By completing this application form, you are providing personal information to Fast Easy Loans for the primary purpose of Fast Easy Loans verifying your identity, assessing your application and then establishing and administering your account. Regardless of when or how the information is collected, your personal information may be shared between, and used by Fast Easy Loans and if applicable, the Broker, for that primary purpose and for related purposes including:

• consideration of any other application made by you to Fast Easy Loans for financial products or services
• customer relations including management of our relationship with you and market or customer satisfaction research and product development
• compliance with legislative and regulatory requirements (including without limitation the Anti-Money Laundering and Counter-Terrorism Financing Act 2006)
• compliance with payment systems requirements
• our internal operations including record keeping, risk management, securitisation, credit scoring and portfolio analysis and
• arrangements with other organisations to provide services in relation to our products and services

Fast Easy Loans may also disclose your credit information and personal information for those purposes to the following organisations (“Disclosure Parties”):

• credit reporting agencies
• its service providers and alliance partners
• its agents, contractors and external advisers
• your referees, including your employer
• your legal and financial advisers
• government and other regulatory bodies, law enforcement bodies and courts
• external complaint resolution bodies (for example, the Financial Ombudsman Service)
• rating agencies
• payment system operators and
• other financial institutions and lenders and brokers.

Fast Easy Loans may at any time do any of the following things where permitted by the Privacy Act (“Use of Credit Information and Reports”):

• seek and use consumer and commercial credit information (including a consumer and/or commercial credit report from a credit reporting agency) about me/us
• to assess this application (including, if applicable, for the provision of credit to me/us or to accept me as a guarantor)
• seek and use a credit report about me/us provided by a credit reporting agency to collect overdue payments from me/us
• seek from and use, or give to any lender named in a credit report provided by a credit reporting agency, any information about me/our credit
• worthiness, credit standing, credit history or credit capacity to assess this application
• give personal and credit information about me/us to a credit reporting agency including:
  • identity particulars
  • that credit has been applied for and the amount
  • that the Lender is a current lender to me/us
  • payments which are overdue and for which collection action has commenced
  • that payments are no longer overdue
  • that cheques drawn by me/us have been dishonoured
  • that I/we have committed a serious credit infringement and
  • that this loan has been paid or finalised
• give any report about me/us to another person or body in connection with loan securitisation arrangements
• give, request and receive information about my/our consumer/personal information, including the payout figure in respect of any of my/our credit, to any accountant, lawyer, broker, other adviser or bank acting on my/our behalf
• give any report, copy of any loan agreements or other document or information about me/us to any person who has, or will guarantee or provide security for the repayment of credit provided to me/us.

This information may be given before, during and after the provision of credit.
SPECIFIC ACKNOWLEDGEMENTS UNDER THE PRIVACY ACT 1988 (CTH)

I/We acknowledge that by applying for finance that I/We and agree that the Lender and Fast Easy Loans PTY LTD may:

• give information to an Agency in accordance with the points outlined above
• apply to an Agency for a credit report concerning me/us
• use a credit report for the purpose of determining the acceptability of a guarantor to the loan
• use a credit report for the purpose of collecting overdue repayments from me/us
• use a credit report if they reasonably believe there has been a serious credit infringement
• obtain information from an Agency that provides information on commercial credit worthiness in assessing my/our application and
• perform all action inline with the information outlined in this document.

I/We authorise the Lender and Fast Easy Loans PTY LTD to do the above in accordance with the Privacy Act 1988 (Cth). Further, I/We acknowledge that this authority is a continuing authority that has effect before, during and after the provision of any credit.

Application Preliminary Approval & Lending Timeframes

Preliminary approval can only be provide on receipt of all loan processing documentation which are listed below.

• 100 points of identification (Identification includes: Drivers License, Medicare Card, Credit Card, Passport, Birth Certificate, etc)
• Last 2 months of Payslips
• Last 3 months of bank statements
• Confirmation of residential Status via electricity, car registration, phone bill etc

All timeframes listed in the website are indicative only and are based from receipt of Fast Easy Loans or the lender of all customer documentation.

Competition Rules

• The prize winner will be judged by the Directors of Fast Easy Loans in April of each calendar. The winner will be based on the personal discretion of the Judges to have best answered the question of “What do you like about Fast Easy Loans?”.
• There is only one prize per 12 month period from a commencement date of April 2010.
• Only the winner will be contacted personally.
• Prizes must be taken as stated and cannot be deferred.
• Players must comply with all rules to submit only one entry.
• No responsibility is accepted for ineligible entries or entries made fraudulently.
• This competition is not open to employees or contractors of Fast Easy Loans or any person directly or indirectly involved in the organisation or running of the competition, or their direct family members.
• Fast Easy Loans decision is final in every situation including any not covered above and no correspondence will be entered into.
• Fast Easy Loans reserve the right to cancel the competition at any stage, if deemed necessary in their opinion, and if circumstances arise outside of their control.
• Entrants will be deemed to have accepted these rules and to agree to be bound by them when entering this competition.