Anti-Money Laundering Policy

 Verifying your identity and source of funds, and credit checks

         1. As from 1 July 2018 we are required by law to verify your identity and, in some circumstances, the 
             source of funds for a transaction

         
         2. We may wish to carry out reasonable credit checks on you from time to time.

         3. You authorise us to collect information about you (including customer due diligence information 
              and credit reports), to obtain, exchange, hold, and use such information, and to make any other 
              enquiries we think appropriate to:

              a. confirm information provided to us about you is true;

              b. undertake initial and ongoing customer due diligence and monitoring in accordance with the 
                   Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT Act);

              c. enforce debt and legal obligations (including recovery of money owed to us); and

              d. comply with other legal obligations we may have.

         4. You authorise any person (including credit reporters) to disclose information (including credit 
              information) to us in response to such enquiries.

         5. You accept that we may use customer due diligence services (including electronic based services 
              from a third party) to verify your identity and conduct other customer due diligence or 
              monitoring required under the AML/CFT Act, and that we may use credit reporting services to 
              credit check you, and that when we use such services:

              a. Service Providers will exchange information about you for that purpose and the Service 
                  Provider may hold information on its system and use it to provide their customer due diligence 
                  service or credit reporting service (as the case may be) to their other customers;

              b. we may use the Service Provider's services in the future for any authorised purpose (including 
                  in relation to ongoing customer due diligence or the provision of credit). This may include 
                  using the Service Provider's monitoring services to receive updates if information held about 
                  you changes; and

              c. if you default in your payment obligations to us, information about that default may be given to 
                  Service Providers and given by Service Providers to their other customers.