Credit Reporting Governance Statement

Breeze Capital Pty Ltd ACN 147 671 949

Breeze Payment Plans Pty Ltd ACN 665 267 792

Breeze Living Pty Ltd t/as Breeze Finance ACN 665 265 592

Automated Collections Services Pty Ltd ACN 144 738 796
(and our related businesses)

Purpose of this Statement

This Credit Reporting Governance Statement explains how Breeze Finance Group manages credit reporting responsibilities and related compliance obligations under the Privacy Act 1988 (Cth), including Part IIIA (Credit Reporting) and the Privacy (Credit Reporting) Code 2014 (CR Code).

This statement is provided to ensure transparency regarding:

the entities involved in credit reporting activities
how responsibility is allocated within the group
how credit reporting obligations are governed and controlled

Credit Provider and Legal Responsibility

Breeze Capital Pty Ltd (ACN 147 671 949)

Breeze Capital Pty Ltd is the credit provider for the purposes of the Privacy Act 1988 (Cth).

Breeze Capital Pty Ltd is solely responsible for:

all credit reporting decisions and reporting activity
ensuring credit information is accurate, up to date, complete, and not misleading
compliance with Part IIIA of the Privacy Act 1988 (Cth)
compliance with the Privacy (Credit Reporting) Code 2014
handling correction requests and credit reporting disputes
responding to regulatory inquiries in relation to credit reporting

All credit reporting obligations under Australian law rest exclusively with Breeze Capital Pty Ltd.

Operational Service Providers and Internal Group Functions

Breeze Capital Pty Ltd is supported by related entities and service providers that perform operational and administrative functions under its authority.

Breeze Living Pty Ltd (ACN 665 265 592) – trading as Breeze Finance

Breeze Living Pty Ltd operates the Breeze Finance brand and provides loan management and customer-facing services on behalf of Breeze Capital Pty Ltd.

Its functions include:

customer onboarding and account management
loan administration and servicing support
customer communications
coordination of operational credit reporting activities

Automated Collection Services Pty Ltd (ACN 144 738 796)

Automated Collection Services Pty Ltd provides servicing and collections support functions on behalf of Breeze Capital Pty Ltd.

Its functions include:

arrears and collections management
administrative servicing support
assistance with credit reporting-related operational processes
coordination of dispute investigation workflows

Governance and Responsibility Framework

The following governance principles apply to all credit reporting activities:

Sole Statutory Responsibility

Breeze Capital Pty Ltd remains the only entity within the group that:

acts as a credit provider under the Privacy Act 1988 (Cth)
holds legal responsibility for credit reporting obligations

Delegation of Operational Functions

Operational credit reporting and servicing functions may be performed by related entities or authorised service providers.

However:

delegation does not transfer legal responsibility
Breeze Capital Pty Ltd retains full accountability for all credit reporting activities

Decision-Making Authority

All decisions relating to:

credit reporting disclosures
corrections or amendments to credit information
dispute resolution outcomes

are made under the authority of Breeze Capital Pty Ltd.

Credit Reporting Disputes and Corrections

Where a request is made to correct credit information, Breeze Capital Pty Ltd will:

assess the request in accordance with Part IIIA Division 5 of the Privacy Act 1988 (Cth)
investigate the accuracy of the relevant information
consult credit reporting bodies or service providers where necessary
determine whether correction is required
notify the individual of the outcome in writing

Where appropriate, Breeze Capital Pty Ltd will request credit reporting bodies to update their records.

Regulatory Compliance Position

Breeze Finance Group maintains a credit reporting governance framework designed to ensure compliance with:

the Privacy Act 1988 (Cth)
Part IIIA (Credit Reporting provisions)
the Privacy (Credit Reporting) Code 2014

This framework is supported by:

internal policies and procedures
delegated operational service arrangements
oversight by Breeze Capital Pty Ltd as credit provider

Transparency and Public Access

This statement is intended to provide clear public transparency regarding:

the structure of credit reporting responsibilities within the group
the allocation of operational and legal functions
the entity responsible for compliance under Australian law

Contact for Credit Reporting Matters

All credit reporting enquiries, correction requests, or complaints should be directed to:

Operations Manager

Breeze Finance

PO Box 7795

Cloisters Square WA 6850

Alternatively you can call us on 1300 290 240