HARDSHIP PRIVACY POLICY

Introduction
Astute Motor Finance Pty Ltd (“we”/”us”/”our”) endeavour at all times to comply with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Privacy Code which together will be referred to in this policy as “Australian Privacy Law.”
This Hardship Privacy Policy applies if you:

• have received credit from us;
• are experiencing difficulty in meeting your repayment obligations under your credit contract with us; and
• have applied for or approached us for a variation in those obligations on the grounds of hardship whether as result of receiving a Notice of Default or other notice from us or otherwise.

• health information about you or another member of your family;
• the reasons for your current employment status;
• your education, training and other qualifications;
• whether you are a member of a professional or trade association or trade union;
• changes to your marital status;
• other matters relevant to your application and which are not otherwise usually collected by us as personal information or credit information in the ways for the purposes described in our General Privacy Policy and our Credit Information Privacy Policy.

• assess your application for a variation to the terms of repayment under your credit contract on the grounds of hardship (‘ hardship variation’).
• explain our decision whether or not to agree to a hardship variation.
• administer, monitor and record any agreed hardship variation.
• consider any complaint about our decision to refuse a hardship variation in our Internal Disputes Resolution process.
• respond to any complaint about our decision to refuse a hardship variation made to our External Dispute Resolution scheme.
• manage our business including our responsible lending obligations and our systems for considering applications for hardship variations as required by the NCCP and other relevant laws.
• account to relevant authorities under the NCCP and Australian Privacy Law.