Credit Reporting Statement

Section A

Introduction

Company	IVF Pay Pty Ltd
ABN	86 693 531 958
ACN	693 531 958
Credit Licence	576437
Date Updated	January 2026

This document is the Credit Reporting Statement of IVF Pay Pty Ltd ABN: 86 693 531 958 ("IVF Pay", "we" or "us").

The purpose of this Credit Reporting Statement is to tell you how we collect, use, hold, disclose and protect your Credit Information.

This Credit Reporting Statement should be read in conjunction with our Privacy Statement.

We will act to protect your Credit Information in accordance with the Australian Privacy Principles, the Privacy Act 1988 (Cth) (the "Privacy Act") and the Credit Reporting Code 2014 Version 2 ("CR Code").

Please check the privacy page on our website regularly at www.ivfpay.au for amendments and updates to our Privacy Statement and Credit Reporting Statement.

Section B

Information We May Collect

What is Credit Information?

Credit Information is information that has a bearing on credit that has been provided to you or that you have applied for. This includes credit for personal, domestic or household purposes and credit in connection with a business.

If you apply for credit or give a guarantee, we may collect information about your financial position for the purpose of assessing an application for credit and to assist in the ongoing management of the credit product or guarantee. The credit information we collect may include:

• Identification information
• Credit application information — information in relation to a credit application, including the type and amount of credit you have applied for
• Default information — a record of your consumer credit payments being overdue
• Serious credit infringement — a record of when a lender reasonably believes that there has been a fraud relating to your consumer credit or that you have avoided paying your consumer credit payments and the credit provider can't find you
• Personal insolvency information — a record relating to your bankruptcy or your entry into a debt agreement or personal insolvency agreement
• Court proceedings information — an Australian court judgment relating to your credit
• Publicly available information — a record relating to your activities in Australia and your creditworthiness
• Consumer credit liability information — certain details relating to your consumer credit, such as the name of the credit provider, the type of consumer credit, the day on which the consumer credit was entered into and terminated, the maximum amount of credit available and certain repayment terms and conditions
• Repayment history information — a record of whether or not you've made your consumer credit payments and when they were paid
• Payment information — if a lender gave a credit reporting body default information about you and the overdue amount is paid, a statement that the payment has been made
• New arrangement information — if a lender gave a credit reporting body default information about you and your consumer credit contract is varied or replaced, a statement about this

What Credit Information Do We Collect From Others?

We may collect Credit Information about you from other people. This may happen without your direct involvement. For instance, we may collect credit reports from credit reporting bodies or opinions from other lenders about your creditworthiness. We may also seek credit information about you from:

• Publicly available sources of information, such as public registers
• Your representatives (including your legal adviser, mortgage broker, financial adviser, executor, administrator, guardian or trustee)
• Your employer
• Other organisations, who jointly with us, provide products or services to you
• Commercial information service providers, such as companies that provide fraud prevention reports

Section C

Purposes for Collecting, Using and Disclosing Credit Information

How We Use or Disclose Your Credit Information

We may use the Credit Information that is collected and held by us to help us decide whether or not to provide credit to you (or to your related company or other entity). We may also use this information to derive or calculate a credit assessment score in relation to you.

The purposes for which we use your Credit Information may include:

• Using your Credit Information to assess any application that you make to us for credit
• Using your Credit Information to collect payments that are owed to us in respect of any credit previously provided to you
• Disclosing your Credit Information to any of our related companies that are also considering whether to provide credit to you
• Assessing your suitability as a guarantor and enforcing a guarantee if required
• Disclosing your Credit Information to a third party that you or we ask to act as a guarantor
• Disclosing your Credit Information to the credit reporting body that we deal with
• Disclosing your Credit Information to other third parties that provide services to us, including debt collectors and credit management agencies
• Disclosing your Credit Information to other credit providers which provide, or are considering providing, credit to you
• Assessing and responding to any access or correction requests that you make to us
• Responding to complaints lodged with the OAIC or AFCA about our treatment of your Credit Information
• Using and disclosing Credit Information as required by law or the order of a court or tribunal
• Where you otherwise expressly consent to the use or disclosure

Who Do We Disclose Your Credit Information To?

We disclose your Credit Information to organisations to help deliver or support the provision of products or services to you. These may include:

• Our agents, contractors and external service providers (for example, mailing houses and technology service providers)
• Credit representatives who sell products and services on our behalf
• Payment systems operators
• Other organisations, who jointly with us, provide products or services to you
• Other financial services organisations, including banks, superannuation funds, stockbrokers, custodians, fund managers and portfolio service providers
• Organisations involved in our funding of loans (including securitisation trustees, investors and their advisers)
• Credit reporting bodies
• Organisations that provide us with insurance to cover our lending risks
• Our financial advisers, legal advisers or auditors
• Your representatives (including your legal adviser, mortgage broker, financial adviser, executor, administrator, guardian or trustee)
• Government agencies or dispute resolution schemes that assist consumers in relation to credit
• Where permitted by law, debt collection agencies or other lenders

We may also disclose your Credit Information where we are required to do so by law, where you have expressly consented, or where we are otherwise permitted to do so under applicable privacy laws.

Collecting and Disclosing Credit Information to Credit Reporting Bodies

We may disclose information about you to, or collect information about you from a credit reporting body if you are applying for credit or you have obtained credit from us, or if you guarantee or are considering guaranteeing the obligations of another person to us.

The information we can disclose to credit reporting bodies includes: identification details; the type and amount of credit you have; how much you have borrowed; whether you have made your repayments; and whether you have committed fraud or another serious credit infringement.

The credit reporting bodies we deal with are:

You can ask a credit reporting body not to use or disclose your personal information for a period if you believe on reasonable grounds that you have been or are likely to be a victim of fraud.

We will not share any of your Credit Information with a credit reporting body unless it has a business operation in Australia.

Do We Disclose Your Credit Information Overseas?

We may utilise overseas service providers for some of our activities. We will only disclose your Credit Information when permitted to do so by the Privacy Act and after we ensure that the overseas recipient does not breach the Australian Privacy Principles, or that you have consented to the disclosure.

We may store your Credit Information in cloud-based software or other types of networked or electronic systems. As electronic or networked systems can be accessed from various countries via an internet connection, it's not always practicable to know in which country your personal information may be held.

Section D

Access to and Correction of Your Credit Information

Access to a Credit Report About You

You have the right to ask for a copy of any credit report we have obtained about you from a credit reporting body. As we may not have retained a copy after we have used it in accordance with the Privacy Act, the best means of obtaining an up-to-date copy is to get in touch with the credit reporting body directly.

You have a right to have any inaccuracies corrected or, if there is any dispute as to accuracy, to have a note added to your credit reporting body file explaining your position.

If we decline your credit application wholly or partly because of adverse information on your credit report, the Privacy Act requires us to tell you of that fact and how you can go about getting a copy of your credit report.

Correction

We aim to hold up to date Credit Information about you at all times. If you consider that any information we hold about you is incorrect, you may seek the correction of that information by contacting us using the details in Section F below.

We do not charge a fee for requesting a correction of Credit Information. If we refuse your request to correct your Credit Information, you have the right to request that a statement be associated with your Credit Information noting that you disagree with its accuracy.

Section E

Making a Privacy Complaint

We offer a free internal complaint resolution scheme to all of our customers. To assist us in helping you, we ask you to follow a simple three-step process:

1. Gather all supporting documents relating to the complaint
2. Contact us — we will review your situation and if possible, resolve your complaint immediately
3. If the matter is not resolved to your satisfaction, contact our Compliance Officer on 1800 800 470 or in writing to admin@ivfpay.au

We will investigate the complaint and send a decision to you within 30 days of receipt. If you are not satisfied with our internal privacy practices or the outcome in respect to your complaint, you may approach the external bodies below.