Please read carefully before signing. Where there is more than one applicant and or guarantor, each applicant and or guarantor is to sign.
In the following, the term STLS represents Short Term Lending Solutions Pty Ltd ACN 116 587 092 and the term MIA represents Money Ideas Australia ABN 56076 583 983.
I/We acknowledge that STLS and MIA have informed me/us, in accordance with s.18E(8)(c) of the Privacy Act 1988, that certain items of personal information about me/us contained in any application to them for finance and permitted to be kept on a credit information file, might be disclosed to a credit reporting agency. I/We understand that part of the information that will be requested is required by the Financial Transaction Reports Act 1988.

Authority to exchange information with other credit providers.

In accordance with Section 18N(1)(b) of the Privacy Act, each applicant and guarantor authorises STLS and MIA or  any ultimate funder/financier who provides the credit funds to give and obtain, from credit providers named in our credit application and credit providers that may be named in a credit report issued by a credit reporting agency, information about each applicant’s credit arrangements. Each applicant understands this information can include any information about their credit worthiness, credit standing, credit history, or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act 1988.

Each applicant/guarantor understands that information may be used:
• to assess an application by each applicant and or guarantor for credit
• to assist each applicant or guarantor in avoiding defaulting on their credit obligations
• to notify other credit providers of a default by any applicant or guarantor
• to assess each applicant’s and guarantor’s credit worthiness
I/We agree that STLS AND MIA, along with any mortgage insurer, finance broker, or any other lender or any person or entity associated with the assessment of or the provision of the credit applied for, may use the personal information I/we provide for the purposes of providing credit and can do any of the following unless prohibited by law:

1. Personal credit information — obtain and use personal credit information about you to assess your application or conduct subsequent reviews for consumer credit or commercial credit.
2. Commercial credit information — obtain and use commercial credit information about you to assess your application for consumer credit or commercial credit.
3. Disclosure of information to Guarantors — disclose information regarding your credit worthiness, credit history, credit standing or credit capacity to any person who proposes to guarantee or has guaranteed repayment of consumer or commercial credit for you that is arranged or provided by STLS AND MIA.
4. Disclosure of information to a mortgage insurer — disclose personal information, a credit report or information in a credit report to any mortgage insurer to allow them to assess the risk of providing mortgage insurance and to assess the risk of you defaulting on mortgage credit.
5. Exchange of information with advisers — obtain from and use or disclose any personal or commercial credit information that you have provided to any lawyer, accountant, broker, financial consultant or other adviser acting in connection with any financing arranged or provided by STLS AND MIA to you.
6. Exchange of information between credit providers — obtain from and use or disclose to another credit provider (including any other credit provider who has lent or proposes to lend money to you) any personal information about you or information about your credit worthiness, credit history, credit standing or credit capacity. This information may be used to assess your application for credit, notify other credit providers of your default, to assess your credit worthiness or exchange information as to the status of your credit where you are in default with any other credit provider.
7. Collection of overdue payments — disclose personal or commercial information to collect overdue payments from you.
8. Disclosure of information to credit reporting agencies — disclose personal or commercial information about you to a credit reporting agency. The information may include identity particulars: the fact that credit has been applied for and the amount; the fact that STLS AND MIA is a current credit provider to you; payments which become overdue more than 60 days, and for which action is commenced; advice that payments are no longer overdue; advice that cheques drawn by you have been dishonoured more than once; in specified circumstances that in the opinion of STLS AND MIA you have committed a serious credit infringement; and the credit provided by STLS AND MIA has been paid or otherwise discharged.
9. Disclosure of information for securitisation — disclose any report or personal information about you to another person in connection with funding of loans by means of a securitisation arrangement.
10. Disclosure of information to a transferee of any mortgage — disclose any report or personal information to any mortgagee who proposes to take a transfer of any mortgage held from you to secure consumer or commercial credit provided to you.
11. Disclosure to assignee of broker — disclose any personal or credit information about you to any person who is entitled to any fee payable to the broker acting in connection with any financing arranged or provided by STLS AND MIA for you.

Each applicant declares that the information given in support of their application for a loan is true and correct.
I/we grant permission for my/our personal information to be used in order to tell me/us about other financial products and services being offered or distributed by STLS and MIA. I/We may choose not have our personal information used or disclosed for this purpose or to receive direct marketing material by ticking this box

SIGNATURES

Print Name_________________________________________             Print Name_____________________________________

Signature__________________________________________             Signature_______________________________________

Date_____/_____/_____                                                                         Date_____/_____/_____

Applicant   or   Guarantor         (Please circle)                                       Applicant   or   Guarantor         (Please circle)