About this Website

This website is operated on behalf of Growth Point Capital, trading as GPC Asset Finance Pty Ltd ACN 645 252 437 and its related bodies corporate (we, us and our).

We are committed to protecting your privacy

This policy explains how your personal information will be treated as you access and interact with this website. Our website privacy policy may change from time to time.

Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information, which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. We will not ask you to disclose sensitive information, but if you elect to provide sensitive information, it will also be captured and stored.

Information from third parties

Our website may contain links to the websites of third-party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties

Where you access a Third-Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

Advertising and tracking

When you view our advertisements on a Third-Party website, the advertising company may use ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

• the server your computer is logged onto;
• your browser type;
• the date and time of your visit; and
• the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third-Party website, the advertising company collects information on how you utilise our website (e.g. which pages you view) and whether you complete an online application.

Cookies

We use ‘cookies’ to provide you with better and more customised service and with a more effective website. A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites, and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser. We use cookies for different purposes such as:

• to allocate a unique number to your internet browsers;
• to customise our website for you;
• for statistical purposes;
• to identify if you have accessed a Third Party website; and
• for security

IP addresses

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Online applications

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications later. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application.

Online applications that have been suspended or saved may be viewed by us.

Security of information

The security of your information is very important to us. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations or wish to know the source of the information being used, you may submit a request to info@growthpointcapital.com.au. We will respond to your request as soon as practicable.

Disclosure to overseas entities

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

Please contact us on 1300 611 331 if you would like further information.

Complaints Handling Disclosure

Internal Dispute Resolution (IDR) Process

This policy provides information about our internal dispute resolution (IDR) process. Our IDR

service is provided to you free of charge.

NATIONAL FINANCE CONNECTIONS PTY LTD | ACN 661 296 457 | Australian Credit Licence 543046 (we/us/our) believes that it is essential for us to have the ability, authority and proper training to hear and respond appropriately to any complaints or disputes raised by our customers.

How you may lodge a complaint

You can lodge complaints by contacting:

Mr Rob Ryan | Chief Operations Officer National Finance Connections Pty Ltd Avaya House, Level 9, 123 Epping Rd Macquarie Park NSW 2113

T: 02 8985 7358

E: complaints@vikingaggregation.com.au

You may also lodge a complaint by speaking to any representative of our business who will refer you to the Complaints Officer. You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.

To assist complainants who might need additional assistance to lodge a complaint, we:

• offer multiple methods for lodging complaints, including phone, email, letter, social media, in person, or online;
• do not require complaints to be in writing;
• ensure that information provided to the public about our IDR process, including this policy, is available in a range of languages and formats (including large print and audiotape);
• provide training to all staff (not just complaints management staff) to enable staff to be able to identify, support and assist complainants who need additional assistance, including cross-cultural training; and
• allow representatives to lodge complaints on behalf of complainants, including financial counsellors, legal representatives, family members and friends.

Dealing with complaints

Our process for dealing with complaints is as follows:

Acknowledgement: We will acknowledge receipt of your complaint promptly – that is, within one business day of receiving it, or as soon as practicable.

Assessment and investigation: We will review your complaint carefully and promptly, taking such steps and reviewing such documents as reasonably necessary.

IDR response: We will provide an ‘IDR response’, which is a written communication that sets out the final outcome of your complaint through our IDR process and your right to take your complaint to AFCA if you are not satisfied with the IDR response. If we reject or partially reject your complaint, we will clearly set out the reasons for our decision.

Response timeframes

Generally, we will provide an IDR response to you no later than 30 calendar days after receiving the complaint. However, for some specific types of credit-related complaints, the following response timeframes apply.

• Credit-related complaints involving default notices: No later than 21 calendar days after receiving the complaint;
• Credit-related complaints involving hardship notices or requests to postpone enforcement proceedings: No later than 21 calendar days after receiving the complaint. Exceptions apply
• if we do not have sufficient information to make a decision, or if we reach an agreement with you.

We do not need to provide an IDR response to you if we close your complaint by the end of the fifth business day after receipt because we have:

1. resolved the complaint to your satisfaction; or
2. given you an explanation and/or apology we can take no further action to reasonably address your complaint.

However, we must provide a written IDR response for complaints closed by the end of the fifth business day after receipt if:

1. the complainant requests a written response; or
2. the complaint is about

Our external dispute resolution scheme – AFCA

If we do not reach agreement on your complaint, you may refer your complaint to the Australian Financial Complaints Authority (AFCA).

You can contact the AFCA scheme:

• by phone on 1800 931 678;
• by email at info@afca.org.au; or
• in writing to GPO Box 3, Melbourne VIC

The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints.