1. Introduction

Rampart is committed to protecting the privacy of your personal information. This policy outlines how we collect, use, and disclose your personal information in compliance with the Australian Privacy Principles (APPs), the Privacy Act 1988 (Cth), and other applicable laws.

2. Definitions

• "Personal information" means information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether true or not, and whether recorded in a material form or not.  
• "Sensitive information" is a subset of personal information that includes information about an individual's health, racial or ethnic origin, political opinions, religious beliefs, sexual orientation, or criminal record.  
• "Credit information" is a subset of personal information that relates to an individual's creditworthiness and credit history. This may include information about your credit accounts, repayment history, credit inquiries, and defaults.
• "Credit reporting bodies" (CRBs) are organizations that collect, hold, and disclose credit information about individuals.

3. Collection of Personal Information

3.1 We collect personal information that is reasonably necessary for our business functions and activities, including:

• Assessing your eligibility for a loan
• Managing your loan account
• Verifying your identity
• Communicating with you
• Managing our risk
• Complying with our legal obligations
• Marketing our products and services (with your consent)

3.2 We may collect personal information from you directly, from third parties (such as credit reporting bodies), and from publicly available sources.

3.3 The types of personal information we may collect include:

• Identification information: Your name, date of birth, address, contact details, government identifiers (e.g. driver's licence, passport number).
• Financial information: Your income, assets, liabilities, bank account details, credit history, and transaction information.
• Employment information: Your employment history, current occupation, and salary.
• Other information: This may include information you provide to us in applications, forms, or correspondence, as well as information we collect from your interactions with our website and services.

4. Use and Disclosure of Personal Information

4.1 We may use and disclose your personal information for the primary purpose for which it was collected, for related secondary purposes, and for any other purpose with your consent.

4.2 We may disclose your personal information to:

• Our employees and related companies
• Third-party service providers who assist us with our business functions (e.g., credit reporting bodies, IT providers, mailing houses, debt collection agencies)
• Government agencies and law enforcement bodies as required by law
• Other parties with your consent

4.3 We will only disclose your personal information to overseas recipients if we are satisfied that they have similar privacy protections in place as Australia.

4.4 We may use your information for direct marketing purposes, but only if:

• You have consented to receiving such communications.
• The marketing relates to our products and services that are similar to those we have previously provided to you.
• We provide a simple way for you to opt-out of receiving further marketing communications.

5. Sensitive Information

We will only collect sensitive information with your consent or where required or authorised by law.

6. Security of Personal Information

6.1 We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. This includes:  

• Securely storing your information
• Limiting access to your information to authorised personnel
• Using encryption and other security measures to protect your information when it is transmitted electronically
• Regularly reviewing and updating our security measures

6.2 We will take reasonable steps to destroy or de-identify personal information when it is no longer needed for any permitted purpose.  

7. Access and Correction of Personal Information

7.1 You have the right to request access to and correction of your personal information. We will respond to your request within a reasonable timeframe.

7.2 We may refuse access to your personal information in certain circumstances, such as where it would breach confidentiality obligations or where it would be unlawful. If we refuse access, we will provide you with reasons for the refusal.

8. Complaints

8.1 If you have a complaint about how we have handled your personal information, please contact us using the details below. We will investigate your complaint and respond to you as soon as possible.

8.2 You may also lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

9. Website and Cookies

9.1 When you visit our website, we may collect information about your visit, such as your IP address, browser type, and pages visited. We may use cookies and other technologies to collect this information.

9.2 Cookies are small data files that are placed on your computer or mobile device when you visit a website. They allow us to recognise your device and remember your preferences. You can disable cookies in your browser settings, but this may affect the functionality of our website.  

10. Contact Us

If you have any questions about this policy or our privacy practices, please contact us at:

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11. Ubsubscribe Policy

11.1 Rampart Capital is committed to giving you full control over the communications you receive from us. If at any time you wish to stop receiving marketing content via email or SMS:

• For Emails: Click the “unsubscribe” link found at the bottom of any of our marketing emails.
• For SMS: Reply with the word STOP to opt out of future text messages.
  

11.2 You may also contact us directly at contact@rampartcapital.com.au to manage your communication preferences or request to be removed from our promotional mailing lists.

11.3 Please note that opting out of marketing messages does not apply to transactional communications. These include system-generated messages that are essential to your interaction with our platform, such as:

• One-Time Passwords (OTPs)
• Identity verification links
• Account security alerts
• Payment confirmations
• Other service-related notifications
  

11.4 These transactional messages are necessary to deliver the services you’ve signed up for and cannot be unsubscribed from.

11.5 Rampart Capital honours all unsubscribe requests promptly, in accordance with the Spam Act 2003 and the Australian Privacy Principles.

Rampart

Email: info@rampartcapital.com.au‍

12. Updates to this Policy

We may update this policy from time to time. We will notify you of any material changes to the policy by posting the updated policy on our website or by other means as required by law.  

13.Date

This policy is effective as of 10th March 2025.

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