Statement of Notifiable Matters
Important Information Relating to Credit Reporting

This Statement is effective from 3 September 2025. We’ll update this Statement from time to time, and the latest version will always be available here.

• 1. Introduction

  This Statement of Notifiable Matters is issued by Branded Financial Services Pty Ltd, (ABN 27 004 013 334, ACN 004 013 334, and Australian Credit Licence 39218) and its related Companies including:

  • Avanti Finance Limited and its related subsidiary Companies referred to as 'us', 'we', 'our', and ‘BFS’.

  This statement also covers any other entities for which we may act as agent under the Privacy Act 1998 (Cth) (Privacy Act) and the Credit Reporting Code (CR Code).

  This statement sets out important information about credit reporting that is relevant to you if:

  • you are an individual applying for credit, or an individual who holds a credit product from BFS or our related companies.
  • we deal with you in connection with credit applied for by, or provided to, another customer - for example, if you are a guarantor or proposed guarantor for that credit or if you are a director of a company obtaining credit.

  The Purpose of this Statement

  In accordance with the CR Code:

  • we may disclose your credit related information to a credit reporting body, whether before, during or after the provision of credit, including for the following purposes:
    • to obtain a report about your credit worthiness; and
    • to report defaults
  • details of your credit history (including any repayments missed or late repayments that you have made), information about any credit provided to you by credit providers (such as financial institutions, utilities or telecommunications providers), any credit rating or credit assessment score that we have derived or that is provided to us by a credit reporting body (CRB) and details of any credit-related court proceedings or insolvency applications that relate to you.
  • any CRB we use may include the information we collect from you to assess your credit worthiness in the reports issued by those CRB’s.
  • if you fail to meet your payment obligations in relation to consumer credit or commit a serious credit infringement, we may be entitled to disclose this to a CRB;
  • you can request a copy of our Credit Reporting Policy by visiting our website or by contacting us via email on privacy@brandedfinancial.com
  • you can request a copy of the credit reporting policies from the CRB’s listed in section 3 below by contacting them using the details provided;
  • you have the right to access the information we hold about you, to request that we correct that information and to make a complaint to us (as set out in our Privacy Policy and Credit Reporting Policy)
  • you have the right to request credit reporting bodies not use your credit reporting information for the purposes of pre-screening of direct marketing (refer section 3); and
  • you have the right to request the credit reporting body not to use or disclose credit reporting information about you, if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.
• 2. Information in our Credit Reporting Policy and Privacy Policy

  This statement should be read in conjunction with:

  • Our Privacy Policy
  • Our Credit Reporting Policy
  • Our Privacy Disclosure Statement and Consent
  • Any privacy collection notice that we may provide to you
• 3. Disclosing your information to Credit Reporting Bodies

  As set out in our Credit Reporting Policy, we may, as permitted by the Privacy Act and the CR Code, disclose personal information about you in connection with your credit applications or other credit-related interactions with us to credit reporting bodies. Those credit reporting bodies may then include that information in reports that they provide to other credit providers to assist them to assess your credit worthiness.

  For example, if you fail to meet your payment obligations to us in relation to consumer credit, or if you commit a serious credit infringement in relation to consumer credit provided by us, we may be entitled to disclose this information to credit reporting bodies.

  We disclose information to the following credit reporting bodies:
  
  Experian Public Access Centre

  Website:	www.experian.com.au
  Phone:	1300 783 684 (9am-4pm Monday to Friday)
  Email:
  Address:	C/O illion, PO BOX 7405 St Kilda Road, Melbourne VIC 3004

  
  

  Equifax

  Website:	www.equifax.com.au
  Phone:	138 332
  Address:	PO Box 964, North Sydney, NSW 2059

  
  

  A credit reporting body is required to have a policy explaining how they will manage your credit-related personal information. To view the policies, visit the relevant website.

  Excluding your credit reporting information from pre-screening for direct marketing:

  You have a right to request that a credit reporting body exclude your credit reporting information from being used by them for direct marketing-related pre-screenings requested by credit providers . You should contact a relevant credit reporting body directly if you wish to request this.

  Protecting your credit reporting information if you become the victim of fraud:

  You have a right to request that a credit reporting body not use or disclose your credit reporting information if you believe that you have been, or are likely to be, the victim of fraud (for example, if you think that someone is misusing your identity to apply for credit). You should contact a relevant credit reporting body directly if you wish to request this.

• 4. Overseas disclosure

  To assess your finance enquiry and to administer the financial services that we can offer you, we may disclose your credit-related information to overseas entities outside of Australia. These entities include our related entities and service providers located in New Zealand.

  We may also do credit checks in New Zealand for people who used to reside in New Zealand but have moved to Australia recently .

  Where we do so, we ensure that the disclosure of and access to that information is secure and appropriate controls are in place.

• 5. Your rights in relation to your credit-related information

  Accessing or correcting your personal information or making a privacy complaint:
  You have rights to request access to, or correction of, personal information that we hold about you, including credit-related information.

  You also have the right to make a complaint if you consider that we have not complied with the Privacy Act or CR Code in relation to your information. Our Privacy Policy and Credit Reporting Policy sets out how you can make such requests or complaints and how we deal with them.

  For details about the management of credit-related personal information (including credit reporting information) that we hold about you, please see our Privacy Policy and Credit Reporting Policy.

• 6. Contact us

  If you have any questions regarding this statement or would like more information about the way we manage your credit – related information, please contact us by using the details below.

  Email:
  Phone:	1300 549 166
  Post:	Branded Financial Services Pty Ltd Attention: Privacy Officer Level 1, 20 Hunter Street, Sydney, NSW 2000