GIM Trading and its affiliated entities may collect, use, hold, and disclose credit information and credit eligibility information in accordance with the terms of this policy. The terms "Credit Information," "Credit Eligibility Information," "Credit Reporting Information," and "Personal Information" are as defined in the Privacy Act.

If you apply for commercial credit or provide a guarantee for commercial credit, the types of credit information and credit eligibility information that GIM Trading may collect, hold, and derive about you may include:

• Identification information such as name, date of birth, gender, addresses, employment details, and driving licence number.
• Details of credit applications, including the amount and type of credit applied for.
• Information about your current and previous credit providers, credit limits, terms and conditions of credit arrangements, and repayment history.
• Records of requests made by credit providers to credit reporting bodies for information about you.
• Default information, including any overdue payments, payment arrangements, or adverse court judgments.
• Sensitive information such as membership of associations, religious beliefs, or health information, collected with your consent or as permitted by law.
• Information obtained from credit reporting bodies and derived credit scores, ratings, and assessments.

GIM Trading may gather credit information and credit eligibility information about you from third parties or publicly available sources, including credit reporting bodies, financial advisors, and fund managers. By providing your Personal Information to GIM Trading, you consent to the collection, use, holding, and disclosure of your credit information and credit eligibility information as outlined in this policy.

GIM Trading may use credit information and credit eligibility information to assess credit applications, determine creditworthiness, offer further services, and comply with regulatory or legal requirements. If you do not provide the requested Personal Information or consent to its use in accordance with this policy, we may be unable to provide you with the products or services you require.

Within GIM Trading:

We typically share Personal Information with other GIM Trading entities to maintain a consistent service standard across our group and to deliver services and products to you as indicated above.

Outside GIM Trading:

Third Parties

We may share Personal Information with other credit and financial services institutions, comparable institutions, and our professional advisors and consultants to manage our business relationship with you. This includes sharing Personal Information with individuals acting on your behalf or involved in your transactions, such as:

• Insurers or parties assuming risk in the transaction.
• Credit card associations and payment providers for credit card-related services.
• Issuers of securities and their appointed third parties.
• Payment recipients, beneficiaries, intermediaries, and correspondent banks.
• Financial institutions, credit reference agencies, or credit bureaus.
• Third-party fund managers providing asset management services.
• Introducing brokers to whom we provide introductions or referrals.
• Legal, audit, consultancy, accounting, or insurance service providers.

Service Providers

In some cases, we share Personal Information with contracted suppliers, such as IT providers, logistics services, marketing agencies, and others. These service providers are contractually obligated to maintain confidentiality and adhere to our data security standards to ensure the security of your Personal Information.

Credit reporting bodies, as permitted by the Privacy Act and the CR Code, handle credit information and use it to derive credit reporting information. However, these regulations limit our actions regarding this information.

If you apply for commercial credit or offer to act as a guarantor, we may disclose your credit information to a credit reporting body or collect credit reporting information about you. This assists in determining your credit eligibility and suitability.

Credit reporting bodies may include your credit information in reports provided to credit providers to assess your creditworthiness. Currently, we engage with Equifax Australia (formerly Veda Advantage).

For details on how these credit reporting bodies manage your information, please refer to their privacy policies available on their websites.

Credit reporting bodies offer a service called "credit pre-screening" to credit providers for direct marketing purposes. You have the right to opt out of this service by contacting the credit reporting body directly.

Additionally, you can request that a credit reporting body not use or disclose your credit reporting information if you believe you have been or are likely to be a victim of fraud.

Personal Information transferred within or outside GIM Trading may be processed in other countries. We only transfer data to countries with adequate data protection laws or implement appropriate safeguards as required by local law.

You acknowledge and agree that your information may be transferred between related entities or to third parties providing services to GIM Trading.

If you wish to access the information held by GIM Trading about you, you can request it by contacting our handling units at the following email addresses:

• For clients of GIM Trading: client.services@gimtrading.com

We will promptly investigate your inquiry and provide appropriate answers where required or permitted. If you find that any information is outdated, incorrect, or incomplete, you may request to have it corrected, and we will promptly update our records.

You can also contact the Group Data Protection Office at compliance@gimtrading.com if you have any questions about our compliance with the Privacy Act, or if you wish to make a complaint about our handling of your Personal Information, including any failure to comply with the Privacy Act or regarding your credit information and credit eligibility information.

Complaints should initially be made in writing to the GIM Trading as required by the Privacy Act. We aim to respond to complaints within 30 days. If your issue remains unresolved, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA), which offers free and independent financial services complaint resolution for consumers. You can contact AFCA via their website, email, telephone, or in writing.

Website: www.afca.org.au Email: info@afca.org.au Telephone: 1800 931 678 (free call) In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

If you're still dissatisfied with the outcome after AFCA's determination, you may lodge a complaint with the Office of the Australian Information Commissioner.

Their contact details are as follows:

Office of the Australian Information Commissioner
Telephone: 1300 363 992 Website: www.oaic.gov.au Address: GPO Box 5218, Sydney, NSW 2001