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Privacy Policy

Effective date: 23 July 2026

1. About this Policy

Luxury Car Subscriptions is administered by Audi Perth Fleet Services Pty Ltd trading as Luxury Car Subscriptions (ABN 13 632 593 214), a subsidiary of Quattro Automotive Pty Ltd (ABN 11 606 545 662).

In this Privacy Policy, Luxury Car Subscriptions, we, us and our refer to Audi Perth Fleet Services Pty Ltd trading as Luxury Car Subscriptions.

We respect the privacy of the individuals with whom we deal and are committed to handling personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles, applicable credit-reporting laws and other applicable legislation.

This Privacy Policy explains how we collect, hold, use, disclose and protect personal information and credit-related information.

This Privacy Policy supplements, and should be read together with, our Subscription Terms and Conditions, application terms, consents and any other agreement between you and Luxury Car Subscriptions. To the extent of any inconsistency concerning the handling of personal information, this Privacy Policy applies, subject always to applicable law. Nothing in the Subscription Terms and Conditions or this Privacy Policy limits any right or obligation that cannot lawfully be excluded or modified.

This Policy applies to applicants, subscribers, authorised drivers, guarantors, customers, prospective customers, website users and other individuals who interact with us.

2. What is personal information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether or not the information is true and whether or not it is recorded in a material form.

Some categories of personal information are classified as sensitive information and receive additional protection under the Privacy Act.

Credit information and credit eligibility information may also be regulated under Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014 where those provisions apply.

3. Personal information we collect

The personal information we collect depends on your dealings with us, the services you request and the information reasonably required to assess or administer your application or subscription.

We may collect and hold:

Identity and contact information

  • full name;

  • preferred name;

  • date of birth;

  • residential, postal and previous addresses;

  • email addresses;

  • telephone numbers;

  • signature;

  • photographs;

  • driver’s licence details;

  • passport or other identity-document details;

  • residency, citizenship and visa information; and

  • information used to verify your identity.

Application and eligibility information

  • requested vehicle and subscription terms;

  • application information;

  • information about additional or authorised drivers;

  • previous addresses;

  • residential status;

  • household and dependant information where relevant;

  • references and referee details;

  • eligibility-assessment results;

  • fraud, identity-verification and risk-assessment results; and

  • reasons for approving, conditionally approving or declining an application.

Employment and financial information

  • employer and employment details;

  • occupation and employment history;

  • income and sources of income;

  • business ownership details;

  • assets, liabilities and regular financial commitments;

  • bank statements or other evidence of financial capacity;

  • bank account details;

  • payment-card and payment information;

  • payment history;

  • insolvency or bankruptcy information; and

  • information relevant to assessing whether subscription payments are affordable and sustainable.

We do not ordinarily retain complete payment-card numbers. Payment information may be collected and processed directly by our payment service providers.

Credit-related information

With your consent and where permitted by law, we may obtain:

  • a consumer credit report;

  • credit scores;

  • credit history;

  • credit enquiries;

  • repayment-history information;

  • defaults;

  • serious credit infringements;

  • insolvency and bankruptcy information;

  • court judgments;

  • publicly available creditworthiness information; and

  • other information provided by a credit reporting body for the purpose of assessing an application.

Our handling of credit-related information is explained further in section 10.

Insurance and driving information

  • driving history;

  • licence status and restrictions;

  • traffic infringements;

  • insurance history;

  • claims history;

  • accident and incident information;

  • information about nominated or authorised drivers;

  • insurer, policy and claim details;

  • vehicle-damage reports;

  • photographs, video and inspection records;

  • police reports; and

  • information reasonably required to arrange or administer insurance and claims.

Subscription and transaction information

  • subscription agreements;

  • invoices and payment records;

  • security-deposit or bond information;

  • correspondence and customer-service records;

  • complaints and dispute information;

  • vehicle collection and return records;

  • servicing, maintenance and repair history;

  • roadside-assistance records;

  • infringement, toll, parking and impoundment information;

  • records relating to a breach or suspected breach of a subscription agreement; and

  • debt-recovery and legal-enforcement information.

Vehicle and usage information

We may collect information concerning the possession, location, condition and use of a subscription vehicle, including:

  • vehicle identification and registration details;

  • dates, times and locations of collection and return;

  • odometer readings and distance travelled;

  • vehicle location;

  • trip and movement information;

  • ignition and operational status;

  • speed, acceleration, braking or driving-event information where available;

  • fuel or battery level;

  • charging information;

  • diagnostic and fault information;

  • servicing and maintenance requirements;

  • accident, impact or theft alerts;

  • vehicle-access and connected-service records;

  • photographs and inspection reports; and

  • other information generated by vehicle telematics, GPS devices or connected-vehicle systems.

The information available to us depends on the vehicle, its installed systems and the services enabled for that vehicle.

Website and electronic information

When you use our website, online application systems, emails or other digital services, we may collect:

  • IP address;

  • browser and device information;

  • operating-system information;

  • website usage and navigation information;

  • referring website;

  • cookies and similar identifiers;

  • online-form activity;

  • application-session information;

  • marketing interaction data; and

  • system, security and audit logs.

Recorded communications and premises information

We may collect:

  • telephone-call recordings where notice has been given;

  • emails, text messages and other communications;

  • CCTV footage at our premises;

  • photographs or video taken during vehicle inspections; and

  • records of visits to our premises.

4. Sensitive information

Sensitive information includes certain information about health, racial or ethnic origin, political opinions, religious beliefs, sexual orientation, criminal records and certain professional or trade associations.

We do not ordinarily require sensitive information to provide a vehicle subscription.

We may collect limited sensitive information where it is reasonably necessary for our activities, including:

  • health information affecting a person’s legal or practical ability to drive;

  • criminal-record information relevant to fraud, vehicle security, insurance or legal eligibility; or

  • other sensitive information voluntarily provided in connection with an application, complaint, accident, insurance claim or request for assistance.

We will collect sensitive information only with consent unless collection is otherwise required or authorised by law.

5. How we collect personal information

We generally collect personal information directly from you when you:

  • submit an application;

  • enter into or administer a subscription;

  • provide identity, employment, financial or insurance documents;

  • communicate with us by telephone, email, online form, SMS or in person;

  • use our website or customer systems;

  • make a payment;

  • collect, drive, possess or return a vehicle;

  • report an accident, damage, breakdown, infringement or complaint;

  • attend our premises or an event; or

  • participate in a survey, promotion or marketing activity.

We may collect personal information from another person where that person submits information concerning you as an additional driver, joint applicant, guarantor, employee, representative or referee. A person providing information about another individual must have authority to do so and should make this Policy available to that individual.

6. Collection from third parties

We may collect personal information from:

  • Equifax and other authorised credit or identity-verification providers;

  • employers, accountants, referees or business associates, with your authority;

  • banks and financial institutions;

  • insurers, insurance brokers and claims administrators;

  • Insuret Pty Ltd;

  • vehicle manufacturers, importers and dealerships;

  • Volkswagen Group Australia Pty Ltd;

  • Audi AG;

  • CUPRA Australia;

  • transport and vehicle-licensing authorities;

  • police, courts, tribunals and government agencies;

  • roadside-assistance providers;

  • repairers, service centres, assessors, towing providers and recovery agents;

  • toll-road, parking and car-park operators;

  • infringement-issuing authorities;

  • vehicle telematics, GPS and connected-service providers;

  • payment providers, including Stripe;

  • Trigg Networks Pty Ltd and other information-technology providers;

  • fraud-prevention and identity-verification services;

  • debt collectors and legal advisers;

  • publicly available registers and sources; and

  • other persons authorised by you or permitted by law.

7. Anonymity and pseudonymity

You may interact with us anonymously or under a pseudonym where it is lawful and practicable to do so, such as when making a general inquiry.

We cannot ordinarily process a subscription application, provide a vehicle, arrange insurance, verify eligibility, process payments or comply with transport and legal obligations without confirming your identity.

8. Why we collect, hold and use personal information

We may collect, hold and use personal information to:

  • respond to inquiries and provide requested information;

  • process and assess subscription applications;

  • verify identity, age, residency, driver licensing and eligibility;

  • assess affordability, financial capacity, creditworthiness and risk;

  • prevent and investigate fraud, identity theft and unlawful activity;

  • determine whether to approve, decline or conditionally approve an application;

  • prepare, enter into and administer subscription agreements;

  • arrange vehicle registration, licensing, delivery and collection;

  • arrange and administer insurance;

  • identify and approve authorised drivers;

  • process payments, refunds, bonds and security deposits;

  • manage arrears, defaults and debt recovery;

  • provide customer support;

  • manage roadside assistance, servicing, maintenance, repairs, recalls and warranty work;

  • monitor permitted vehicle use, mileage and compliance with subscription terms;

  • locate, protect or recover a vehicle;

  • investigate accidents, damage, theft, misuse or contractual breaches;

  • manage insurance claims, legal claims, complaints and disputes;

  • nominate or identify drivers responsible for tolls, parking charges and infringements;

  • provide information to transport, licensing, police, enforcement and other government authorities;

  • maintain safety, security, business continuity and operational records;

  • improve our vehicles, systems, services and customer experience;

  • conduct analytics, reporting, auditing and quality assurance;

  • comply with legal, regulatory, taxation, accounting and record-keeping obligations;

  • establish, exercise or defend legal rights;

  • manage our corporate group and service providers;

  • conduct marketing where permitted by law; and

  • carry out other purposes disclosed when information is collected or authorised by you.

9. What happens if information is not provided?

You are not required to provide personal information unless required by law or contract.

However, if you do not provide requested information, or consent to checks reasonably required to assess an application, we may be unable to:

  • verify your identity or eligibility;

  • assess or approve an application;

  • obtain insurance approval;

  • provide or continue a vehicle subscription;

  • nominate you as an authorised driver;

  • process payments;

  • provide connected, roadside or support services; or

  • meet legal or regulatory obligations.

Providing incomplete, inaccurate or misleading information may result in an application being delayed or declined, approval being withdrawn or a subscription being suspended or terminated, subject to the applicable agreement and law.

10. Credit reporting and credit assessment

Credit checks and application assessment

With your express consent and where permitted by law, we may request credit-related information from Equifax or another credit reporting body to assess your application for a vehicle subscription.

We may use this information to:

  • verify your identity;

  • assess your creditworthiness and financial risk;

  • review your credit history, credit enquiries, defaults, judgments, insolvency information and credit score;

  • assess your capacity and likelihood to meet subscription payments;

  • prevent or investigate fraud; and

  • determine whether to approve, conditionally approve or decline an application.

A credit report or credit score may form part of our assessment but will not necessarily be the only information considered. We may also consider your income, employment, financial commitments, application information, payment history, identity-verification results, insurance eligibility and other relevant risk factors.

Information disclosed when obtaining a credit report

We may provide Equifax or another credit reporting body with information reasonably necessary to conduct an authorised credit or identity check, including:

  • your name;

  • date of birth;

  • current and previous addresses;

  • driver’s licence or other identification details;

  • application information; and

  • information required to match you with the correct credit file.

An authorised credit enquiry may be recorded on your credit report in accordance with applicable law and the credit reporting body’s practices.

Reporting overdue accounts and defaults

Where permitted by the Privacy Act 1988 (Cth), the applicable credit-reporting code and other applicable laws, we may disclose an overdue account or default to Equifax or another credit reporting body.

A default will not be reported merely because an amount becomes overdue. We will only disclose default information where all applicable legal requirements have been satisfied, which may include requirements that:

  • the debt arises from an arrangement that may lawfully be reported under the credit-reporting provisions;

  • the overdue amount meets the prescribed minimum threshold;

  • the amount has remained overdue for the prescribed minimum period;

  • we have issued the notices required by law;

  • the required period has elapsed after those notices;

  • the debt is not subject to a genuine unresolved dispute that prevents reporting; and

  • the information is accurate, complete, current and not misleading.

Our Subscription Terms and Conditions may provide that overdue accounts or defaults can be reported to a credit reporting body. Any such reporting remains subject to applicable law. The Subscription Terms and Conditions do not permit us to disclose information where disclosure would otherwise be unlawful.

Information disclosed may include:

  • identifying information;

  • the fact that an account is overdue;

  • the amount of the overdue payment;

  • the date the payment became overdue;

  • default information;

  • payment or settlement of a previously reported default;

  • serious credit-infringement information, where legally permitted; and

  • corrections or updates required by law.

We may also use information concerning overdue payments, defaults and recovery action for our own account administration, risk management, debt recovery, legal enforcement and future application-assessment purposes.

Notice before reporting a default

Before reporting default information, we will provide any notices required by applicable law. These notices may:

  • require payment of the overdue amount;

  • explain that the account remains overdue;

  • state that we intend to disclose the default to a credit reporting body if payment is not made;

  • identify the relevant credit reporting body; and

  • explain any applicable rights to dispute or correct the information.

Payment of a reported default

Payment of a debt after a default has been reported does not necessarily remove the default from the credit report. Where required, we will notify the relevant credit reporting body that the amount has been paid or otherwise resolved.

Default information may remain on a credit report for the period permitted by law.

Access and correction

You may request access to credit-related information we hold about you and ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.

You may also request access to your consumer credit report directly from Equifax. Where information on the report was supplied by another credit provider, you may need to contact that provider or Equifax to request correction.

Credit-reporting complaints

You may make a complaint concerning our handling of credit-related information using the contact details in section 25.

We will acknowledge and investigate credit-reporting complaints within the periods required by applicable law. We may consult Equifax or another relevant organisation when investigating the complaint.

Credit-reporting fraud ban

If you believe you have been, or are likely to be, a victim of fraud or identity theft, you may ask Equifax or another credit reporting body to place a ban on access to your credit report.

A ban may prevent us from completing a credit assessment while it remains in force. You may need to arrange appropriate access or provide alternative information before we can assess your application.

Equifax

Information about Equifax’s handling of credit information, access and correction procedures, complaint process and fraud-ban arrangements is available directly from Equifax.

11. Vehicle telematics and connected services

Subscription vehicles may contain manufacturer-installed or third-party telematics, GPS, security, diagnostic or connected-vehicle systems.

Information collected through these systems may be used to:

  • record mileage and monitor usage allowances;

  • arrange servicing, maintenance and repairs;

  • identify faults, warning messages and vehicle condition;

  • provide roadside or emergency assistance;

  • investigate accidents, theft, damage or suspected misuse;

  • locate and recover a missing, stolen, overdue or unlawfully retained vehicle;

  • protect the safety and security of drivers, vehicles and the public;

  • verify compliance with the subscription agreement;

  • administer insurance and legal claims;

  • improve fleet management; and

  • comply with legal obligations.

We will not ordinarily monitor a vehicle’s location continuously for general observation of a subscriber. Location information may nevertheless be generated, stored or accessed where reasonably required for the purposes above.

Vehicle manufacturers and connected-service providers may independently collect and handle connected-vehicle information under their own privacy policies and service terms.

12. Disclosure of personal information

We may disclose personal information where reasonably necessary for the purposes described in this Policy, where you would reasonably expect the disclosure, where you have consented, or where disclosure is required or authorised by law.

Recipients may include:

  • Quattro Automotive Pty Ltd and related companies;

  • vehicle dealerships and dealership partners;

  • Volkswagen Group Australia Pty Ltd;

  • Audi AG;

  • CUPRA Australia;

  • other vehicle manufacturers, importers and distributors;

  • Equifax;

  • Insuret Pty Ltd;

  • insurers, underwriters, brokers, claims managers and investigators;

  • payment providers, including Stripe;

  • Trigg Networks Pty Ltd;

  • software, hosting, cloud, communications, cybersecurity and support providers;

  • identity-verification, fraud-prevention and risk-assessment providers;

  • government departments and agencies;

  • state and territory transport and licensing authorities;

  • police and law-enforcement agencies;

  • courts, tribunals and regulators;

  • local governments and infringement-issuing authorities;

  • toll-road, parking and car-park operators;

  • roadside-assistance providers;

  • repairers, service centres, assessors, towing providers and vehicle-recovery agents;

  • professional advisers, including lawyers, accountants and auditors;

  • debt-collection and enforcement providers;

  • prospective purchasers, investors, financiers or advisers involved in a proposed corporate transaction, subject to appropriate confidentiality protections;

  • marketing and analytics providers where permitted by law; and

  • other recipients authorised by you.

We may also disclose information where reasonably necessary to lessen or prevent a serious threat to life, health or safety, investigate suspected unlawful activity, locate or recover our property, enforce an agreement or establish, exercise or defend a legal claim.

Our service-provider arrangements may change. The organisations identified in this Policy are material providers at the effective date and are not an exhaustive list of every supplier used in operating our business.

13. Government and regulatory disclosures

Information may be provided to government or regulatory bodies for purposes including:

  • vehicle registration, licensing and transfer;

  • driver nomination;

  • traffic, parking and toll infringements;

  • investigations and law enforcement;

  • compulsory notices, warrants, subpoenas and court orders;

  • taxation and accounting requirements;

  • safety recalls;

  • insurance and accident reporting;

  • identity and residency verification; and

  • compliance with applicable legislation.

We will not disclose personal information to a government agency merely because it has been collected. Disclosure will be limited to information reasonably required for a legitimate administrative purpose, authorised by you, or required or permitted by law.

14. Overseas disclosure and storage

Some recipients and service providers are located outside Australia or may access, process, back up or store information using systems located overseas.

Personal information may be disclosed to or accessible from countries including:

  • Germany, in connection with Audi AG and vehicle-manufacturer systems;

  • the United States, in connection with certain payment, technology, cloud, communications and support services;

  • Singapore and other Asia-Pacific locations, in connection with certain regional technology and support services;

  • European Union member states, in connection with vehicle-manufacturer and technology services; and

  • other countries in which our service providers, their related entities or their infrastructure operate.

The precise location may vary according to the vehicle, manufacturer, service and infrastructure used.

Before disclosing personal information overseas, we take reasonable steps required by law to ensure that the overseas recipient handles the information consistently with the Australian Privacy Principles, unless an exception applies.

Some technology services may involve information being routed through or accessed from multiple jurisdictions. Further country information may be available in the relevant provider’s privacy policy.

15. Data processors and service providers

Our principal data processors and operational service providers may include:

  • Equifax — credit checks, credit scores, identity verification and fraud-prevention services;

  • Insuret Pty Ltd — insurance administration, underwriting support and claims-related services;

  • Stripe — payment processing, payment security and fraud-prevention services;

  • Volkswagen Group Australia Pty Ltd — manufacturer, distributor, warranty, recall, customer and connected-vehicle services;

  • Audi AG — manufacturer, warranty, technical, connected-vehicle and customer services;

  • CUPRA Australia — manufacturer and distributor services;

  • Trigg Networks Pty Ltd — software, application, systems integration, hosting and information-technology services; and

  • other hosting, communications, analytics, security, professional and operational providers.

These organisations may process personal information on our behalf or, in some circumstances, as independent entities under their own privacy policies.

16. Direct marketing

Where permitted by law, we may use personal information to communicate with you about:

  • vehicle subscriptions;

  • vehicles and related services;

  • offers and promotions;

  • events;

  • products or services provided by us, our related companies or participating dealerships; and

  • opportunities we reasonably consider may be relevant to you.

Marketing communications may be sent by email, SMS, telephone, post, online advertising or other electronic means.

You may opt out at any time by:

  • using the unsubscribe facility in the relevant communication;

  • replying with an opt-out request; or

  • contacting us using the details in section 25.

We will process opt-out requests within a reasonable period. Opting out of marketing does not prevent us from sending service, payment, safety, recall, legal or other non-marketing communications concerning an application or subscription.

We will not use sensitive information for direct marketing without consent.

17. Online advertising and analytics

We may use website analytics, advertising pixels, cookies and similar technologies to:

  • operate and secure our website;

  • remember preferences;

  • measure website traffic and performance;

  • understand how visitors interact with our services;

  • improve application processes;

  • assess marketing effectiveness; and

  • provide relevant or retargeted advertising.

Information collected may include device identifiers, IP addresses, browser information, pages viewed and interactions with advertisements or communications.

Third-party analytics and advertising providers may combine information collected through our website with information from other services, subject to their own privacy policies.

You may control cookies through browser settings. Disabling cookies may affect website functionality.

18. Cookies

A cookie is a small data file stored on a device when a website is visited.

We may use:

  • essential cookies required for security and website functionality;

  • preference cookies;

  • analytics cookies; and

  • advertising or marketing cookies.

Where required, consent will be requested before non-essential cookies are used.

19. Security of personal information

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.

Depending on the information and system involved, security measures may include:

  • role-based and need-to-know access controls;

  • multifactor authentication;

  • encryption in transit and, where appropriate, at rest;

  • secure hosting and network controls;

  • firewalls, malware protection and monitoring;

  • logging and audit trails;

  • secure backups and recovery procedures;

  • staff confidentiality obligations and training;

  • physical security controls;

  • supplier due diligence and contractual protections;

  • vulnerability management and software updates;

  • identity and access reviews; and

  • incident-response and data-breach procedures.

No electronic transmission or storage system is completely secure. We cannot guarantee absolute security, but we maintain safeguards proportionate to the nature and sensitivity of the information held.

20. Data breaches

We maintain processes for assessing and responding to suspected privacy and security incidents.

Where a data breach is likely to result in serious harm and the Notifiable Data Breaches scheme applies, we will notify affected individuals and the Office of the Australian Information Commissioner as required by law.

21. Retention and destruction

We retain personal information only for as long as reasonably required for:

  • the purposes for which it was collected;

  • administering an application or subscription;

  • insurance, claims and dispute management;

  • fraud prevention and security;

  • legal proceedings;

  • taxation, accounting and audit requirements;

  • manufacturer, warranty and recall requirements; and

  • other legal or regulatory obligations.

Certain contractual, financial and transaction records may be retained for at least seven years. Other information may be kept for a shorter or longer period where reasonably necessary or required by law.

Unsuccessful application information and associated credit-assessment information will be retained only for a period reasonably necessary to document the application decision, respond to inquiries, manage fraud and risk, and comply with legal requirements.

When personal information is no longer required for any permitted purpose, we will take reasonable steps to destroy it securely or de-identify it, unless retention is required by law or court or tribunal order.

Backup copies may remain for a limited period until overwritten or securely removed through normal backup-retention processes.

22. Access to personal information

You may request access to personal information we hold about you.

We may require:

  • a written request;

  • sufficient information to identify the relevant records; and

  • proof of identity.

We will respond within a reasonable period and provide access in the manner requested where reasonable and practicable.

We may refuse or limit access where permitted by law, including where access would:

  • unreasonably affect another person’s privacy;

  • reveal commercially sensitive decision-making information;

  • prejudice fraud prevention, an investigation or legal proceedings;

  • be unlawful; or

  • involve information subject to legal professional privilege.

If access is refused, we will generally provide written reasons and available complaint options unless it would be unreasonable or unlawful to do so.

We will not charge for making an access request. We may charge reasonable costs for providing access where permitted by law and advised in advance.

23. Correction of personal information

You may ask us to correct personal information that is inaccurate, out of date, incomplete, irrelevant or misleading.

We will take reasonable steps to correct information where satisfied that correction is required.

At your request, and where required by law, we will take reasonable steps to notify relevant third parties of a correction.

If we decline a correction request, we will generally provide written reasons and available complaint options. You may ask us to associate a statement with the information recording your view that it is inaccurate, out of date, incomplete, irrelevant or misleading.

Credit-report corrections concerning information originating from Equifax or another credit provider should also be directed to Equifax or the organisation that supplied the information.

24. Third-party websites and services

Our website, vehicles or communications may link to third-party websites, applications or connected services.

Those services may independently collect personal information and are governed by their own privacy policies and terms. We are not responsible for the privacy practices or content of an independent third party, except to the extent required by law.

You should review the privacy terms of any third-party service before using it.

25. Privacy inquiries and complaints

Questions, access requests, correction requests and privacy complaints may be directed to:

Privacy Officer
Luxury Car Subscriptions
Email: [email protected]
Telephone: 1300 399 898

A complaint should describe:

  • the conduct or decision complained of;

  • relevant dates and communications;

  • the personal information involved; and

  • the outcome sought.

We may request proof of identity and further information before dealing with a request or complaint.

We will acknowledge a complaint within a reasonable period and aim to provide an initial substantive response within 30 days. More complex matters may require additional time, in which case we will advise you of the expected process.

If you are dissatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner through its website.

You may also contact Equifax directly concerning access to or correction of an Equifax consumer credit report, or a credit-reporting fraud ban.

26. Changes to this Policy

We may amend this Privacy Policy from time to time to reflect changes to our services, systems, providers or legal obligations.

The current version will be published on our website and will state its effective date. Material changes may also be communicated directly where appropriate.

27. Interpretation

Examples in this Policy are illustrative and do not limit the general meaning of the relevant provision.

A reference to a law includes amendments, replacements and subordinate instruments made under that law.

Where this Policy is inconsistent with a mandatory legal obligation, the mandatory legal obligation prevails.

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