Privacy
Policy

1. Who we are

Ventas Asset Lending Pty Ltd ("Ventas", "we", "us", "our") is an Australian finance broker specialising in asset and equipment lending. We operate nationally and assist businesses in accessing finance from a panel of Australian lending institutions.

We operate the website www.ventasasset.com.au.

2. What information we collect

We collect personal information that is necessary to assess your finance enquiry and arrange credit on your behalf. This may include:

Personal identification

• Full name and date of birth
• Residential and business address
• Email address and phone number
• Driver's licence or other identity documents

Financial and business information

• Business name, ABN and trading history
• Asset details (type, value, supplier, purpose)
• Approximate loan amount and preferred term
• Income, revenue and financial statements
• Bank account information where required by a lender
• Existing liabilities and credit commitments

Credit information

• Credit history obtained from credit reporting bodies
• Information from lenders about your credit applications
• Default, repayment history and court judgement information

You are not required to provide your information to us. However, if you choose not to, we may not be able to assist you in obtaining finance.

3. How we collect it

We collect your information in the following ways:

• Directly from you via our website enquiry form, phone or email
• From lenders and credit providers during the assessment process
• From credit reporting bodies (Equifax, Illion, Experian)
• From publicly available sources such as ASIC, ABR or property registers
• From your accountant, broker or other authorised representatives

4. Why we use your information

We use your personal information to:

• Assess your suitability for asset finance and identify appropriate lending options
• Prepare and submit finance applications to lenders on your behalf
• Communicate with you about your enquiry or application
• Verify your identity and meet our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006
• Meet our obligations under the National Consumer Credit Protection Act 2009 where applicable
• Manage our ongoing business relationship with you
• Respond to complaints and resolve disputes
• Comply with our legal and regulatory obligations

5. Who we share it with

We may disclose your information to:

• Lenders and credit providers on our panel for assessment and approval of your finance application
• Credit reporting bodies (Equifax, Illion, Experian) to obtain credit reports and, where applicable, report repayment history
• Identity verification services to meet our AML/CTF obligations
• Our professional advisers including legal counsel and accountants, under strict confidentiality obligations
• Government agencies and regulators including ASIC, ATO or law enforcement, where required by law
• Technology service providers who support our business operations (e.g., CRM, cloud storage, email platforms) under data processing agreements

We do not sell your personal information to third parties. We do not share your information with lenders or other parties for their own marketing purposes without your consent.

6. Credit information

As a finance broker, we may collect, use and disclose credit-related information about you. This is governed by the credit reporting provisions in Part IIIA of the Privacy Act 1988 and the Credit Reporting Privacy Code.

What we may access

• Credit liability information (existing loans and credit accounts)
• Repayment history information
• Default information
• Serious credit infringement information
• Court judgements related to credit
• Credit enquiry information

When we access credit reports

We will only access your credit report with your consent, which you provide by submitting an application or enquiry and agreeing to our credit assessment process. We access credit reports solely to assess your finance application.

Your rights under credit reporting law

You have the right to request access to your credit report, request corrections to inaccurate information, and complain about the handling of your credit information. You can also request suppression of your credit file in certain circumstances. Contact us or the relevant credit reporting body directly to exercise these rights.

7. Marketing

We may use your contact details to send you information about our services, rate updates or finance news if you have given us consent or if you are an existing client and the communications relate to similar services.

You can opt out of marketing communications at any time by contacting us at info@ventasasset.com.au or using the unsubscribe link in any email we send.

8. Overseas disclosure

We do not routinely disclose your personal information to overseas recipients. In the event that a technology service provider we use stores data outside Australia, we take reasonable steps to ensure that provider meets privacy standards equivalent to the APPs. Where we cannot ensure this, we will seek your consent before making such a disclosure.

9. Storage and security

We store your personal information on secure systems protected by appropriate access controls, encryption and security monitoring. We retain personal information for as long as necessary to provide our services and meet our legal obligations, typically seven years from the date of last service or as required by applicable law.

When information is no longer required, we take reasonable steps to destroy or de-identify it securely. We cannot guarantee the absolute security of information transmitted over the internet, but we take all reasonable precautions to protect information in our systems.

10. Access and correction

You have the right to access the personal information we hold about you and to request corrections if it is inaccurate, incomplete or out of date. To make a request, contact us in writing at info@ventasasset.com.au.

We will respond to access requests within 30 days. In some limited circumstances we may refuse access, for example where doing so would unreasonably impact the privacy of another person or where we are required by law to retain information. If we refuse access, we will give you written reasons.

11. Complaints

If you believe we have handled your personal information in a way that does not comply with the Privacy Act or the APPs, please contact us first to give us the opportunity to resolve the issue.

If you are not satisfied with our response, you may escalate your complaint to:

Office of the Australian Information Commissioner (OAIC)

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• GPO Box 5218, Sydney NSW 2001

Australian Financial Complaints Authority (AFCA)

For complaints relating to credit or financial services matters:

• Website: www.afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au

12. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. When we make material changes, we will update the date at the top of this page. We encourage you to review this policy periodically. Continued use of our services after a policy update constitutes your acceptance of the revised policy.

13. Contact us

For any privacy-related queries, access requests or complaints, please contact us:

• Email: info@ventasasset.com.au
• Website: www.ventasasset.com.au
• Post: Privacy Officer, Ventas Asset Lending Pty Ltd, Australia