1. Your personal information is important to us

   Wizard is committed to safeguarding your personal privacy. We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.

   Unless you directly give us consent to do otherwise, Wizard will only collect and use your personal information provided using this web site as set out below.

2. Collecting information about you

   Wizard will not collect or monitor any personal information about you without your consent. The only personal information we collect when you use this web site is what you tell us about yourself, for example by beginning an application on our site, and information about how you use our site.

3. Our use of cookies

   Cookies are pieces of information that a web site transfers to your computer's hard disk for record keeping purposes.

   Most web browsers are set to accept cookies. Loan.com.au uses cookies to make your use of our web site and services as convenient as possible. Cookies do not themselves personally identify users, although they do identify a user's browser. Cookies allow us to remember the information you have entered as you move through our site, and let us know how many people are using the different parts of the site. If you do not wish to receive any cookies you may set your browser to refuse cookies. However, this may mean you will not be able to take full advantage of loan.com.au's web site.

4. Using and disclosing your personal information

   We intend to use your information provided using this web site for the following purposes only.

   • To fulfill our obligations to you
   • To provide you with information about our products and services, services offered or distributed by Wizard or its related companies or any organisation Wizard or its related companies is affiliated with or represents
   • To ask you for your opinion or comments about our products and/or services or those of related or affiliated companies
   • To track general traffic patterns showing the usage of our web site, without identifying the usage patterns of any particular individual
   • To give your information to a lending manager or to the relevant credit provider, if you complete an application on this web site.

   Please also note that in order to operate the web site or deliver a service we may sometimes share your personal information with service providers.

   As Wizard recognises the trust you place in us when you give us personal information, we will not use or disclose any information about you provided using this web site for other purposes without your consent, except in exceptional cases such as if disclosure is required by law or is necessary to protect the rights or property of loan.com.au, Wizard or any member of the public, or to lessen a serious threat to a person's health or safety.

5. When we will contact you

   We may contact you at the email or other address which you provide to us in order to:

   • Provide you with information which may be of interest about updates, new loan.com.au products, products and services offered or distributed by related companies and affiliates, and other matters which may interest you
   • To send you a newsletter

   If you do not wish to receive this information, please contact us with your request.

6. Storage and security of your personal information

   Wizard will endeavour to take all reasonable steps to keep secure any information which we hold about you, and to keep this information accurate and up to date. Your information is stored on secure servers that are protected in controlled facilities. Our employees and data processors are obliged to respect the confidentiality of any personal information held by Wizard. However, as we cannot guarantee the security of communications over the Internet, we cannot give an absolute assurance that your information will be secure at all times. Wizard will not be held responsible for events arising from unauthorised access to your personal information.

7. Loan.com.au and links to other web sites

   Loan.com.au may provide links to web sites outside of the loan.com.au site. These linked sites are not under the control of loan.com.au, and we are not responsible for the conduct of companies linked to our web site. Before disclosing your personal information on any other web site, we advise you to examine the Terms and Conditions of those web sites.

8. Accessing personal information held

   If at any time you want to know what information we hold about you, you are welcome to request your personal information by emailing us at privacy@wizard.com.au. If you want to change and correct personal information that is inaccurate or out of date, please email us at privacy@wizard.com.au. To have personal information deleted, please let us know in the same manner, and we will take reasonable steps to delete your personal information unless we need to keep it for legal reasons.

9. What to do if you have a problem or question

   If Wizard becomes aware of any ongoing concerns or problems with areas on our web site, we will take these issues seriously and work to address these concerns. If you have any further queries relating to our Privacy Policy, or you have a problem or complaint, please contact us.

10. Future changes

    Our commitment to be a leading provider of online financial services means that our business will continue to evolve as we introduce new services and features to our web site. Because of this, from time to time, our policies will be reviewed and may be revised. Wizard and loan.com.au reserve the right to change its privacy policy at any time and notify you by posting an updated version of the policy on its web sites. The amended Privacy Policy will apply between us whether or not we have given you specific notice of any change.

Date of issue: 17 March, 2005