Acknowledgement and Consent

lightning loans is a trading name of Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107.

I understand that by completing an application form that Fish4Loans pty ltd (the entity) will collect, use, hold and
disclose my information as outlined in the Privacy Policy, which I declare that I have read and understood.

Collection of information

I consent to the entity collecting personal and credit information from me. I understand that if I do not provide all information that is requested from me the entity may be unable to provide me with their services. I also understand that if any of my personal information should change, such as residential address, phone number, email address, etc, it is my responsibility to advise the entity of this.

Use of information

I consent to the entity collecting my information for the purposes of providing me with referral and marketing services and any related purpose including but not limited to:

• customer service requests such as providing access to and updating personal information and resolving disputes;
• gathering information and statistical data to analyse and evaluate business functions;
• complying with legal requirements under various acts such as the National Consumer Credit Protection Act 2009, the Privacy Act 1988 and the Anti-Money Laundering and Counter-
  Terrorism Financing Act 2006;
• developing our service offerings and improving overall business processes and efficiency.

Disclosure of information

I consent to the entity disclosing my personal information to provide me with their referral and marketing services, and any other related purpose as outlined above, on an ongoing basis to:

• credit providers, credit brokers, other referrers and other service providers.
• the entity’s auditors, contractors, agents, insurers, financiers and lawyers.
• any proposed or actual guarantor.
• any other persons or entities who you have consented to.

I understand my information may also be disclosed in other circumstances outlined in the entity’s privacy policy. I understand the entity may, in the ordinary course of our business, disclose my credit information to third parties which operate in the United States of America and while these parties may not, therefore, be subject to Australian Privacy Law, no person in those countries will be able to access my credit eligibility information without my express consent.

Exchange of Information with Other Providers

I understand that by providing my consent to exchange my information with credit providers, credit brokers, other referrers and other service providers, this information may be sold to them or
disclosed for a fee. The amount of the fee would be determined on referral. I understand where my information is exchanged, it is being exchanged for any of the purposes for which I have consented to the entity, including offering me products and/or services.

I understand that by providing my consent to exchange my information with credit providers, credit brokers, other referrers and other service providers, I am consenting to the entity exchanging all of my application information, such as my identification details, what type of loans I have, how much I have borrowed, whether I have met my loan payment obligations and if I have committed a serious credit infringement (for example, fraud).

I consent to Leadpal Pty Ltd (the Access Seeker) collecting information about me from credit reporting bodies, such as an Access Seeker report. I understand the purpose for this is to determine eligibility for credit providers and brokers, as well as to obtain credit offers and pricing. I understand that this will not leave a credit inquiry on my credit report. I consent to being contacted by the Access Seeker and/or the entity for these purposes. I have read and understood the Privacy Policy, which details how they collect, use, and disclose personal information.

Promotion of Products and Services

I consent to being contacted by the entity, and any external third parties or agents who act on their behalf, for the purposes of the promotion of products and services. I understand the entity may promote the products of their marketing partners. I understand that I may withdraw my consent and request not to receive promotional communications at any time by contacting the
entity.

Electronic Communications

I consent to receive all communications, information and documents, where possible, from the entity through electronic communications, including but not limited to:

• requests for information regarding credit applications and contract variation requests;
• disclosure documents such as credit guides and information statements, copy of
  assessments, credit contract documents, variations of these and credit contract offers;
• notices, such as missed payment notices, default notices, final notices, settlement notices
  and account statements;
• marketing materials and promotions;
• any other communications, information, or documents that must or will be provided to you
  or which you have requested.

I understand that by giving consent to receiving electronic communications;

• communications may be sent via any electronic means, such as SMS and email;
• electronic media should be regularly checked for communications, information and
  documents;
• it is my responsibility to ensure the security of my electronic communications;
• paper-based documents may no longer be given;
• consent to the giving of documents by electronic communication may be withdrawn at any
  time.

Commercial Electronic Messages

I understand that under the Spam Act 2003, the entity may not communicate with me via commercial electronic messages unless I provide my consent. I consent to the entity communicating
with me via commercial electronic messages (email, SMS, fax) to provide me with convenient and fast communications.

Electronic Bank Statement Retrieval

By making an application, I consent to the lender using on my behalf an electronic statement retrieval solution to collect my bank statements and transaction information. (If you do not
agree you will not be able to proceed to use this online service.) I understand that one or all the following statements retrieval providers may be used;

• Proviso (Privacy Policy: https://proviso.com.au/terms/. Terms and conditions:
  https://proviso.com.au/privacy/.)
• Credit Sense (Privacy Policy: https://creditsense.com.au/privacy-policy.)
• Credfin (Privacy Policy: https://www.credfin.com.au/privacy)

I understand that by using an electronic statement retrieval solution, such as those above:

• I have read and agree to their User Terms & Conditions and Privacy Policies.
• I understand I am using these services at my own risk.
• I consent to them having read-only access to my bank account transaction data and for this
  data to be provided to the entity and any party I have consented to.
• I understand that the transaction data supplied may include transactions from the previous
  12 months from all available accounts.
• I understand my user login credentials are encrypted and safely stored by a third-party
  service provider on their servers in a secure environment outside Australia and that no
  unauthorised party will have access to this information.
• I authorise the entity to use my encrypted login credentials in any future credit services and
  for the entity to request a read-only transaction history.

Declaration

I declare that I have read and understood this Acknowledgement and Consent document and that I acknowledge, authorise and consent to all the terms that it sets out.