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Brighte Statement of Notifiable Matters (Credit Reporting)

About this Statement of Notifiable Matters 

This Statement of Notifiable Matters sets out information about how Brighte Capital Pty Limited ABN 74 609 165 906 (‘Brighte’, ‘us’, ‘we’ or ‘our’) manages credit applicants’ personal and credit related information, and of certain rights that credit applicants have under the Privacy Act 1988 (Cth) (‘Privacy Act’) and the Privacy (Credit Reporting) Code 2025 (‘CR Code’). Please see our Privacy Policy and Credit Reporting Policy for further information about how you can access and correct credit information and credit eligibility information that we may hold about you, and how you can make a complaint. 

Credit reporting bodies 

If you apply for or take out a credit product with us either as a borrower or guarantor, we may disclose your personal information to or collect your personal information from a Credit Reporting Body (‘CRB’). Brighte may use Equifax or Experian to do this. We may also do this if you apply for an increased credit limit. 

We use information that we collect from the CRB to provide and manage your credit services, and to assess your credit worthiness. 

When we ask a CRB for information about you 

When you apply for credit with us, we usually ask a CRB for information about you. This is called an information request. If you apply for consumer credit, you do not need to give your consent for us to make an information request - the Privacy Act allows us to make one when you apply. If you are a guarantor, or you are applying for commercial credit, we will ask for your consent before we make a request. 

The CRB keeps a record that we made the request. That record may be used and disclosed by the CRB and by credit providers to assess your credit worthiness, including to calculate a credit score or credit rating about you. 

The record of an information request appears on your credit report as a credit enquiry. It may affect a credit score or rating a CRB calculates about you - it might go up, go down, or stay the same. That depends on things like the type of credit you applied for, how many other credit enquiries have been recorded recently, and the rest of the information on your credit report. Making a number of credit applications in a short period is more likely to lower your score. 

Examples of personal information we may collect from or disclose to a CRB include: 

  • your identification information, including your name, date of birth, residential addresses and driver’s licence number; 
  • default information if you fail to meet consumer credit payment obligations; 
  • your credit liability information, which includes the type of credit you are applying for (or have applied for), details about your loans, credit cards and overdraft facilities, the dates on which they were opened and closed and their credit limits; 
  • your repayment history information, including whether you have made your payments when they were due, and if not, how far behind you were in each month; 
  • credit eligibility information we receive from a credit reporting body and other information that has a bearing on your credit worthiness, such as a credit report; 
  • publicly available information that relates to your creditworthiness (e.g. court judgments, bankruptcy notices, debt agreement and personal insolvency); 
  • details of serious credit infringements, such as obtaining credit by fraud, under a consumer credit product; and 
  • financial hardship information - if we agree a financial hardship arrangement with you in relation to consumer credit, it is recorded alongside your repayment history information: for each month a temporary arrangement applies, or only for the first month affected by a permanent variation of your credit. A CRB cannot disclose your financial hardship information to a credit provider for the purpose of collecting an overdue payment under a consumer credit product.  

The CRB may include the information we give them in reports that they provide to other credit providers, to help those credit providers assess an individual’s credit worthiness. 

You may contact the CRB to obtain its privacy policy on how it manages your credit-related personal information. The privacy policy and contact details for each CRB is available on their website listed below: 

Equifax Website:http://www.equifax.com.au/; Phone: 13 8332. Full name: Equifax Australia Information Services and Solutions Pty Ltd.  

Experian Australia Website: https://www.experian.com.au/; Phone: 1300 783 684. Full name: Experian Australia Credit Services Pty Ltd. 

If you do not pay us 

If you fail to meet your payment obligations in relation to consumer credit we have provided to you, or if we believe on reasonable grounds that you have committed a serious credit infringement, we may be entitled to disclose that to a CRB. This can affect your ability to obtain credit in the future. 

Before we disclose a default to a CRB, we must give you two written notices: one telling you about the overdue payment and asking you to pay it, and a second telling you that we intend to disclose the default. If you ask us for hardship assistance, we will not disclose a default about the overdue payment while we are considering your request, including while we wait for information we need to decide it.  

If we refuse your request, we will not disclose the default until at least 14 days after we tell you of our decision. These protections do not apply if we reasonably believe your request is on materially the same basis as a hardship request you made in the previous 4 months. If we agree a financial hardship arrangement with you, we will not disclose a default about a payment covered by that arrangement while you are meeting its terms. 

How to get our policy and the CRBs' policies 

You can get a free copy of our Credit Reporting Policy, which explains how we manage credit information and credit eligibility information, at brighte.com.au/privacy, or by asking us using the contact details at the end of this Statement. Each CRB must also have a policy explaining how it manages your credit-related personal information, available on its website above. 

Disclosing credit related information offshore 

We may disclose credit-related personal information outside of Australia to credit check companies and cloud service providers located in Bulgaria, Canada, Costa Rica, Finland, Germany, India, Israel, Japan, Mexico, Mongolia, New Zealand, the Philippines, Singapore, Spain, the United Kingdom and the United States of America.  

Your rights 

If you believe on reasonable grounds that you have been or are likely to be a victim of fraud, you may request a CRB not to use or disclose credit reporting information about you. You may also request that a CRB not use your credit reporting information for the purposes of pre-screening of direct marketing by a credit provider.  

Accessing, correcting and complaining about credit related personal information 

You may request access to, and seek the correction of, the credit-related personal information that we hold about you. You can also complain to us if you think we have not complied with the Privacy Act or the CR Code. We do not charge you to access your credit eligibility information, to correct it, or to make a complaint. We will deal with a correction request within 30 days. We will acknowledge a complaint within one business day and tell you our decision within 30 days, and if we need longer, we will tell you before the 30 days is up and let you know you can go to AFCA. Our Credit Reporting Policy explains how to make a request or a complaint, and what we do with it. 

Complaints or further information 

If you have a complaint about how we handle your credit-related personal information under the Privacy Act or the CR Code, would like to know how we handle complaints, would like further information or a free copy of our Credit Reporting Policy, or would like a copy of this Statement of Notifiable Matters in an alternative form (such as a hard copy), you may contact the Brighte Privacy Officer at: 

The Brighte Privacy Officer 

Email: privacy@brighte.com.au  

Mail: Level 15, 1 Margaret Street, Sydney NSW 2000   

If you are not satisfied with how we deal with your complaint, you can take it to the Australian Financial Complaints Authority on 1800 931 678 or at www.afca.org.au, or to the Office of the Australian Information Commissioner on 1300 363 992 or at www.oaic.gov.au. Both are free. 

This Statement of Notifiable Matters was last updated in October 2026 and is subject to change.