Privacy Policy

Effective date: 1 September 2025

Applies to: RateShopper Pty Ltd (ABN 58 653 611 717)

1. Who We Are

RateShopper Pty Ltd (“RateShopper”, “we”, “us” or “our”) is committed to protecting yourprivacy. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles(APPs).

RateShopper is a Credit Representative (Credit Representative No. 572868) of StrawFinancial Services Pty Ltd (Australian Credit Licence No. 504512). We operate underthis licence to assess your eligibility for credit products and services.

2. What We Collect

When you use our website or complete a form, we may collect the following types of personal and financial information:

Personal identification details:

• First name, last name
• Date of birth
• Contact details (email address and phone number)
• Citizenship or residency status

Property and loan-related information:

• Loan type (e.g. refinance, new purchase)
• Product interest (e.g. home loan, car loan, personal loan)
• Loan size and objectives
• Property usage (owner-occupier or investment)
• Property type, purchase price, deposit, mortgage balance, current rate and rate type
• Whether you are a first home buyer
• Buying stage and refinance goals

Credit and financial circumstances:

• Estimated credit score
• Employment type and income band
• Current debts (e.g. credit card or personal loan balances, interest rates)
• Repayment preferences and important loan features

Marketing and communication preferences:

• Marketing opt-in status
• Consent to our Privacy Policy and Terms & Conditions

Technical & usage data:

• Date and time of enquiry
• Device type, IP address, browser, and session behavior
• Page visits, form submissions and cookies (see section 8 below)

3. Why We Collect This Information

We collect, hold, use and disclose your information to:

• Assess your eligibility for loan or credit products
• Provide services under our credit representative arrangement
• Understand your financial needs and objectives
• Deliver a personalised and seamless digital experience
• Contact you about your enquiry
• Offer relevant updates or marketing (if you opt in)
• Comply with legal and regulatory obligations

We only collect information that is reasonably necessary for these purposes.

4. How We Collect It

We collect personal information directly from you when you:

• Submit a form or enquiry on our website
• Interact with our website or digital tools
• Communicate with us by phone, email or SMS

We may also collect usage data via cookies and analytics tools.

5. Who We Work With

We do not sell your personal data. However, your information may be accessed by:

• Our authorised team members and credit representatives
• Licensed credit professionals operating under our ACL partner
• IT, analytics, and customer service providers
• Legal, accounting or regulatory authorities where required by law

All access is strictly limited to the purpose of providing our services under our licensed arrangement.

We may receive a referral fee or commission if you obtain a loan through our licensed credit partner. This does not affect your rate, fees or loan options.

6. Marketing Communications

If you choose to opt in, we may send you updates, offers and helpful insights by email orSMS. You can opt out at any time by:

• Clicking “unsubscribe” in any message
• Contacting us at: privacy@rateshopper.com.au

We will never send marketing without your consent.

7. Data Storage and Security

We take reasonable steps to protect your information from misuse, interference, loss,unauthorised access, modification or disclosure. Measures include:

• Secure encrypted storage
• Access control and authorisation limits
• Regular system updates and monitoring

Some information may be stored or processed by trusted third-party platforms based outsideAustralia, such as in the United States or the European Union. In all cases, we ensure datais handled in accordance with Australian privacy standards.

8. Cookies and Website Tracking

We may use cookies, tags and similar technologies to:

• Analyse website performance and improve user experience
• Remember your preferences and login sessions
• Run targeted advertising and remarketing campaigns

You can manage or disable cookies via your browser settings. Blocking cookies may limit some site features.

9. Access, Correction and Deletion

You may request to:

• Access the personal information we hold about you
• Correct inaccuracies in your details
• Ask us to delete your data where legally permissible

To do so, email us at: privacy@rateshopper.com.au

10. Changes to This Policy

We may update this Privacy Policy from time to time. The most current version will always be available on our website.

11. Contact Us

If you have any questions, complaints or requests regarding your privacy or this policy,contact our privacy team at:

📧 Email: privacy@rateshopper.com.au

📍Mail: RateShopper Privacy Officer, [PO BOX Drummoyne]