PRIVACY POLICY

Introduction

Xpollinate Pty Ltd (ABN 14 627 022 15) (“Xpollinate”) is an Australian company that cross pollinates your vision with partners and products and services.

Security and Investments Commission (“ASIC”).

We are bound by the Privacy Act 1988 (Cth) (“the Privacy Act”) and the Australian Privacy Principles (“APPs”) and this Privacy Policy outlines how we collect, hold, use and disclose your personal information.

By visiting our website, continuing a telephone call with our employees, applying for, renewing or using any of our products or services, or providing us with your personal information, you agree and consent to your personal information being collected, held, used, and disclosed as set out in this Privacy Policy.

At Xpollinate, your privacy is extremely important to us. We are committed to protecting the privacy of your personal information and to handling your personal information in a responsible manner in accordance with the Privacy Act and the APPs.

Xpollinate supports:

• fair, transparent and open collection practice and management of personal information;

• processes that ensure personal information is accurate, complete, current and secure;

• an individual’s right to see and where necessary, correct personal information about themselves; and

• limiting the use of personal information.

In this Privacy Policy, “personal information” has the meaning given to it in the Privacy Act; “our website” refers to all information, services, text, graphics and other data contained under the domain name 4x4rv.com.au; “smartphone application/s” refer to any smartphone application or mobile app owned and operated by us; “we”, “our” and “us” refers to Xpollinate and its related entities; and “you” or “your” refers to the person providing personal information and/or accessing our website.

Australian Privacy Principles (AAPs)

The APPs regulate the way that companies collect, use, secure and disclose personal information under the Privacy Act. Information containing anything that can be used to identify a person, inclusive of their name, address, telephone number, age, previous and current recreational vehicle ownership experience is deemed to be ‘personal information’ within the Privacy Act.

The APPs are designed specifically to ensure the responsible collection, storage and handling of personal information by companies.

They also provide people with the right to know what personal information is currently being held about them and a right to correct that information if it is inaccurate. Lastly, the APPs have been designed to ensure that companies do not disclose personal information, without a person’s prior consent.

Our Privacy Policy explains the application of the APPs to our insurance business. Consequently, the Privacy Policy should be read in conjunction with the APPs. To the extent that there is any inconsistency between the APPs and our Privacy Policy, the APPs will prevail.

Questions about the APPs may be directed to the Office of the Australian Information Commissioner (“OAIC”), whose website can be accessed at: www.oaic.gov.au and telephone number is: 1300 363 992.

Personal information we collect and hold

We will collect personal information from you that is relevant to providing our products and services to you. The personal information we collect and/or hold about you can include:

• name, date of birth and gender;

• contact details such as address, phone, facsimile and email;

• information relevant to providing a product or service such as:

- recreational vehicle features you are interested in

- optimal delivery dates

- budget

• information from use of our website or cookies including the day and time of your visit, whether you have visited our website previously, your IP address, location and web preferences.

How we collect personal information

We will collect your personal information directly from you via:

• our website and over the internet, including email;

• over the telephone;

• in writing, including online forms.

In some instances, we may also collect your personal information via those methods from the third-party sources listed below in Table A (“Table A Parties”).

Xpollinate may record telephone conversations for evidentiary, contractual, training and quality control purposes.

We may collect information directly from you, others or from the Table A Parties. We may also collect your personal information from publicly available sources, such as social media websites.

External Parties:

• Recreational Vehicle manufacturers.

• Recreational Vehicle sales agents.

• A credit provider or financial institution, for example if they have an interest in your Recreational Vehicle.

• Statutory authorities or government departments, including the Australian Taxation Office for data matching purposes.

• The Australian Financial Complaints Authority.

• Customer, product, business or strategic research and development organisations, marketing agencies and research/consulting firms, including lead generators and data analysts.

• Legal and any other professional advisers or consultants.

Identifiers

We will use our own identifiers and not those assigned by government unless we are required to do so, or the APPs or another law permit us to do so. You may read more about what identifiers are in the Privacy Act.

Anonymity and pseudonymity

You have the option of not identifying yourself or using a pseudonym, providing it is possible for us to deal with you on this basis.

It will be impractical for you to deal with us anonymously or under a pseudonym, should you wish to enter into a contract of sale and purchase a Recreational Vehicle via us. Your identity is a relevant factor in relation to our decision to insure you. It is material to our decision of whether or not to insure you and if so on what terms and premium. Also under the Insurance Contracts Act 1984 (Cth) you have a duty of disclosure and your identity is a material factor to disclose.

Use and disclosure of personal information We will use and disclose your personal information for the purposes we collected it, as well as purposes that are related, and will disclose your personal information to Table A Parties where you would reasonably expect us to. We, or the Table A Parties on our behalf, may collect, hold and use your personal information, and disclose your personal information to the Table A Parties for the following purposes:

• handling your enquiries;

• considering your application for a product or service;

• obtaining pricing for a configuration

• managing our business operations (including our IT infrastructure, website, and statistical/maintenance purposes) and company research and development;

• conducting market research and communicating details about our products and services, including for marketing purposes;

• auditing, quality assurance and training; or

• any other purposes communicated to you at the time we collect your personal information and as permitted by law.

You may contact us at any time to “opt out” of receiving marketing communications or unsubscribe by following the links in any relevant electronic messages.

We may also be required or compelled at law to provide certain information, such as under a court order or subpoena, or a regulatory body request.

Disclosure to overseas recipients

If your personal information is collected or supplied to an organisation outside of Australia we will ensure it will be held, used or disclosed only in accordance with the Privacy Act.

Storage and security of personal information

We hold personal information electronically and sometimes in hard copy. The security of your personal information is very important and we’re committed to ensuring your personal information is managed correctly.

We take reasonable precautions to secure your transactions with our website and to ensure your personal information is protected against unlawful use, unauthorised access, modification and disclosure. Unfortunately, we cannot provide a guarantee that information sent over the internet is 100% secure and sending and receiving information over the internet is at your own risk.

Access to personal information by employees within our organisation is limited to those who specifically need the personal information to conduct their business responsibilities.

Accessing your personal information

You can request access to the personal information we hold about you. So that we can provide access efficiently, we may ask you to provide personal information to confirm your identity. We may charge you a reasonable amount to cover the time spent retrieving, copying and sending out the information, but we will not charge you for making the request.

If we are unable to provide the information you have requested, we will provide reasons why.

Correcting your personal information

We take reasonable steps to ensure that the personal information we collect and store, use or disclose is accurate.

We do rely on you to advise us of any amendments required to your information to ensure it is accurate. If you would like to seek correction of your personal information please contact us. Our contact details are at the end of our Privacy Policy under “Contact Us”.

Contact us

If you would like further information about our Privacy Policy or about how we manage your

personal information, please contact us:

• If you live in Australia, call one of our consultants on 1300 496 337

• Emailing us using the enquiry form on our website

A copy of this Privacy Policy is also available on our website (www.4x4rv.com.au).

Changes to our Privacy Policy

We may make changes to this Privacy Policy from time to time and place any updated version of the Privacy Policy on our Website. Please review our Privacy Policy and Website periodically for changes.

Your continued use of our website, products or services, including any renewal of our products, making a claim or providing further personal information to us after this Privacy Policy has been updated or revised constitutes your acceptance of the revised Privacy Policy.

We will promptly acknowledge your complaint, investigate it and determine the steps that we will undertake to resolve your complaint.

We will contact you if we require any further information and will provide you with our decision once it is made. Once we have made our decision, we will also inform you of your right to take this matter to the OAIC together with contact details and the applicable timeframes applying to the OAIC.

The OAIC is the statutory body given the responsibility of complaint handling under the Privacy Act and is independent and will be impartial when dealing with your complaint. The OAIC will investigate your complaint, and where necessary, make a determination about your complaint, provided it is covered under the Privacy Act. You have 12 months from the date you became aware of your privacy issue to lodge your complaint with the OAIC.

Table A

Hunter Property Holdings (Aust) Pty Ltd ABN 16 15 207 PO Box 554 Bayswater VIC 3153 including its business names, dealer or service agents

Complaints

If you have a complaint regarding our management of your personal information or consider

we have breached the APPs, you may contact us or access our Internal Dispute Resolution

Service (IDRS).

The Privacy Officer Xpollinate Pty Ltd

privacy @xpollinate.com.au