Money Syndicates ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and disclose personal information when you visit moneysyndicates.com.au and any of its sections, including Debt Free Australia (together, the "Site"), or otherwise interact with us. This Policy is intended to comply with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

1. What Personal Information We Collect

We collect personal information that is reasonably necessary for our functions and activities, including information you provide directly when you:

• Submit an enquiry through a contact or lead capture form
• Subscribe to a newsletter, download a resource, or register for a membership
• Contact us by phone, email, or through social media
• Use interactive tools on the Site, such as calculators

This may include your name, email address, phone number, and any details you choose to share about your financial situation or enquiry (for example, loan amount, current lender, or general circumstances).

We may also automatically collect limited technical information when you visit the Site, such as your IP address, browser type, device information, and pages visited, typically via cookies or similar analytics technologies.

We do not knowingly collect sensitive information (such as health information) unless you voluntarily provide it and it is directly relevant to your enquiry.

2. How We Use Your Information

We use personal information to:

• Respond to your enquiry and provide the information, services, or referral you have requested
• Where relevant, refer you to a suitably licensed third party (for example, a lender, broker, or education provider) with your consent
• Send you content, updates, or marketing communications, where you have opted in — you can unsubscribe at any time
• Improve the Site, our content, and user experience
• Meet our legal, regulatory, and compliance obligations, including those arising from our credit representative activities

3. Disclosure of Your Information

We do not sell your personal information. We may disclose your information to:

• Third-party service providers who help us operate the Site (for example, hosting, email, or membership platform providers), bound by confidentiality obligations
• A referral partner or licensed provider (such as a lender, mortgage aggregator, or education provider) — but only where you have specifically requested or consented to that referral
• Regulatory bodies or authorities, where required by law

Where we refer you to a third party — for example, a covered calls education provider or a lender — that organisation will handle your information under its own privacy policy, which we encourage you to review.

4. Credit-Related Information

As a Credit Representative (under AMO Group Financial Services Pty Ltd, Australian Credit Licence No. 234945), any credit-related enquiries you make through this Site may involve the collection, use, and disclosure of information in accordance with Part IIIA of the Privacy Act and applicable credit reporting rules, in addition to this Policy. Where this applies, further information will be provided to you directly as part of that specific process.

5. Storage and Security

We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Information submitted through Site forms is stored securely with our form and hosting providers. No method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

6. Access and Correction

You may request access to the personal information we hold about you, or ask us to correct it, by contacting us using the details below. We will respond to reasonable requests within a reasonable timeframe, in accordance with the APPs.

7. Cookies

The Site may use cookies and similar technologies to improve functionality and understand how visitors use the Site. You can control or disable cookies through your browser settings, though this may affect some features of the Site.

8. Overseas Disclosure

Some third-party service providers we use (for example, cloud hosting or email platforms) may store or process data outside Australia. Where this occurs, we take reasonable steps to ensure those providers handle your information consistently with the APPs.

9. Complaints

If you have a concern about how we have handled your personal information, please contact us using the details below. We will investigate and respond to your complaint. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last updated" date.

11. Contact Us

For any questions about this Privacy Policy or your personal information, please contact us at:

• [Insert business email address]
• [Insert business phone number, if applicable]
• [Insert registered business address, if applicable]