WEB3 VENTURES PTY LTD T/A BLOCK EARNER AND WEB3 LOANS PTY LTD – CREDIT INFORMATION POLICY

Credit Information: is a term used throughout this Credit Information Policy and refers to "credit information" and "credit eligibility information" as these terms are defined in the Privacy Act 1988 (Cth) (Privacy Act).

The types of "credit information" we may collect about you include:

• your name, address, contact number and email address;
• the fact that you applied for credit from us;
• the amount of credit applied for by you;
• the amount of credit provided to you by us (if any);
• the terms of payment of credit provided to you by us, including any credit term;
• details of your payment history, including details of any default of payment by you;
• information regarding credit that was provided to you that has otherwise been discharged;
• information retrieved from any credit referees;
• information regarding your personal insolvency; and
• information about your involvement in any court proceedings.

The types of "credit eligibility information" we may collect about you from a credit reporting body include:

• a credit report; and
• a credit assessment score.

We collect credit information in a variety of ways, including:

• when you provide it directly to us, including through your completion of any credit application form provided by us or you entering an agreement with us for the supply of goods and/or services;
• when you make payment of any amount of credit provided by us or our related entities;
• from our related entities; or
• from third parties, such as credit reporting bodies (such as Experian and Equifax) or from other credit providers, including any credit referees provided by you.

We may collect, hold, use and disclose credit information and credit eligibility information for the following purposes:

• verifying your identity;
• obtaining credit information from credit reporting bodies;
• assessing your application for credit (or assessing your application to be a guarantor in relation to such credit);
• assessing your credit worthiness, including collecting your payment history in relation to any credit provided by us (or our related entities) to you;
• enforcing our rights against you or your guarantors for repayment of any amount owed by you to us;
• work with you as a customer or supplier of our business;
• administering your account, including for internal record keeping, administrative, invoicing and billing purposes;
• dealing with complaints or issues you may have in relation to our business;
• complying with our legal obligations and resolving any disputes that we may have; and
• if otherwise required or authorised by law.

We will only disclose your credit information to third parties where it is necessary as part of our business, where we have your consent, or where permitted by law. This means that we may disclose credit information to:

• credit reporting bodies, including Experian and Equifax;
• other credit providers to allow them to determine your financial arrangements with us;
• potential guarantors to allow them to consider whether to offer to act as a guarantor in relation to a credit or to offer property as security for credit;
• guarantors, to exercise our rights against guarantors;
• IT service providers, data storage, web-hosting and server providers;
• payment systems operators, debt collectors or other service providers who may assist us in securing a debt and professional advisors;
• our employees, contractors and/or related entities;
• our existing or potential agents or business partners;
• if we merge with, or are acquired by, another company, or sell all or a portion of our assets, your personal information may be disclosed to our advisers and any prospective purchaser’s advisers and may be among the assets transferred;
• courts, tribunals and regulatory authorities, in the event you fail to pay for goods or services we have provided to you;
• courts, tribunals, regulatory authorities and law enforcement officers, as required or authorised by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise or defend our legal rights (and the rights of our related entities);
• any other third parties where you have consented; and
• as required or permitted by law, such as where we receive a subpoena.

You acknowledge and agree that we will collect and disclose your credit information to third party credit reporting bodies, Experian and Equifax, as set out in this Credit Information Policy. You can contact Experian by calling 1300 783 684, or email creditreport@au.experian.com. You can contact Equifax by calling 13 8332, or by visiting the Equifax Contact Us page, available at https://www.equifax.com.au/contact.

We are not likely to disclose credit information to individuals or entities that do not have an Australian link. If we do disclose credit information to individuals or entities that do not have an Australian link, we will update this Privacy and Credit Information Policy to provide details of the countries in which these entities are located.

Your choice: If you provide credit information to us, you understand we will collect, hold, use and disclose your credit information in accordance with this Credit Information Policy. You do not have to provide personal information to us, however, if you do not, it may affect our ability to work with you as a customer or supplier of our business.

Information from third parties: If we receive credit information about you from a third party or a related entity, we will protect it as set out in this Privacy Policy. If you are a third party providing credit information about somebody else, you represent and warrant that you have such person’s consent to provide the personal information to us.

Access: You may request access to the credit information that we hold about you. An administrative fee may be payable for the provision of such information. We will take reasonable steps to provide you with access to the credit information within 30 days of receipt of your access request. Please note, in some situations, we may be legally permitted to withhold access to your personal information. If we cannot provide access to your information, we will advise you as soon as reasonably possible and provide you with the reasons for our refusal and any mechanism available to complain about the refusal. If we can provide access to your information in another form that still meets your needs, then we will take reasonable steps to give you such access.

In order for you to have the most up-to-date credit information held about you, we recommend that you request access to the credit reporting information held about you by credit reporting bodies.

Correction: If you believe that any credit information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below. We will take reasonable steps to promptly correct any information found to be inaccurate, out of date, incomplete, irrelevant or misleading within 30 days of receipt of your correction request or a longer period if agreed with you in writing. Please note, in some situations, we may be legally permitted to not correct your personal information. If we cannot correct your information, we will advise you as soon as reasonably possible and provide you with the reasons for our refusal and any mechanism available to complain about the refusal.

Complaints: If you wish to make a complaint, please contact us using the details below and provide us with full details of the complaint. We will acknowledge your complaint within 7 days of receipt of your complaint. We will promptly investigate your complaint and will take reasonable steps to respond to you in relation to the complaint within 30 days of receipt of your complaint or a longer period if agreed with you in writing. In our response, we will set out the outcome of our investigation and the steps we will take in response to your complaint. If you are not satisfied with our response, you also have the right to contact the Office of the Australian Information Commissioner.

We are committed to ensuring that the credit information we collect is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures, to safeguard and secure personal information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.

While we are committed to security, we cannot guarantee the security of any information that is transmitted to or by us over the Internet. The transmission and exchange of information is carried out at your own risk.

Attention to: Data Protection Officer

Web3 Ventures Pty Ltd t/a Block Earner (ACN 655 090 869) / Web3 Loans Pty Ltd (ACN 668 516 952)
Email: compliance@blockearner.com.au
Address: Block Earner c/o The Commons,
Suite 33, 39 Martin Place
Sydney, NSW 2000
Australia

Last Update: 9 December 2025