Legal

Privacy policy

Last updated 1 September 2025

Rello Group Holdings Pty Ltd, trading as “Rello” (ACN 640 607 932) provides solutions to the real estate industry including agencies, suppliers of software and cloud platforms as well as end consumers.

This Privacy Statement explains what personal data Rello collects from you, through our interactions with you and through our website, products or services, and how we use it. It also describes your choices regarding use, access and correction of your personal information. This Privacy Statement applies to all entities within the Rello Group Holdings group, being Rello Holdings Pty Ltd (ACN 651 812 645), Rello Solutions Pty Ltd (ACN 648 535 746), Rello Finance Pty Ltd (ACN 633 994 859), Rello Payments (ACN 653 241 617), Flip Finance Pty Ltd (ACN 648 534 552) and our affiliates and related companies (referred to herein as “we/us/our/Rello”).

We are committed to protecting the privacy of our customers’ personal and credit information. We are committed to abiding by the Privacy Act 1988 (Cth), the Australian Privacy Principles, the Privacy (Credit Reporting) Code 2014, and any other relevant law.

When does this Privacy Policy apply?

This Privacy Statement applies when we collect Personal Information during the course of our business. This can happen in a number of different ways and times in the operation of our business, including when we sign up Merchants to our payments services, the Merchant uses our services and technologies (which are white labelled), and when the Merchant’s customer selects the pay now or pay later option with the Merchant to facilitate the purchase of goods or services offered by the Merchant (our Platform).

What is personal information?

When we refer to “personal information”, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit-related information.

“Credit-related information” means: information which includes your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, default information (including overdue payments); payment information; new arrangement information; details of any serious credit infringements; court proceedings information; personal insolvency information and publicly available information about your creditworthiness.

Credit-related information

We may exchange credit-related information for the purposes of assessing your application for finance or activating a pay later payment plan. We exchange your credit-related information with credit reporting bodies. We use this information to confirm your identity, assess your creditworthiness, assess your application for finance or a pay later payment plan.

You may contact the following credit reporting bodies for more information:

• Equifax Pty Ltd (www.equifax.com.au, or 13 83 32)

What types of information do we collect, use and store?

The types of personal information we collect, use and store depend on the product or service you have with us. This may include:

• Your name, mailing address, city, state, post code, email address, mobile phone number and IP address
• Your bill payment (including payment amount and designated payee)
• Your credit or debit card or bank account numbers, expiration date, and cardholder or account holder name
• Unique identifier such as username, account number, and password
• Your device ID, device type, Internet browser and device operating system details, geo-location information, computer and connection information, statistics on page views, traffic to and from the sites
• Information you provide to us through customer surveys
• Other information we require to provide our products and services

How do we collect personal information?

We only collect information that is relevant to our relationship with you. This information is received directly from you or from other sources who you have approved giving us information.

Directly from you: In many cases, we collect personal information directly from you, for example, if you are a Rello user, we collect information about you during the onboarding process and when you contact us.

From our customers: To provide products and services to our customers who are cloud-based platforms, real estate agencies, or franchises, we collect their business information. This business information may include information about you if you are an employee, vendor, landlord, renter or service provider of one of these real estate agencies or franchises.

Why do we collect personal information and how do we use it?

We collect personal information for the purposes of:

• Providing our products and services to you
• Sending you service, support and administrative messages, reminders, technical notices, updates, security alerts, and information requested by you
• Managing our business relationship with you
• Sending you marketing and promotional messages and other information that may be of interest to you
• Protecting, improving and optimising our products and services, including by performing analytics and conducting research
• Complying with our legal and regulatory responsibilities

When might we disclose personal information?

We may disclose your personal information to third parties, including third party suppliers, service providers, advisers and agents, to achieve the above purposes. We might also disclose personal information:

• Within our corporate group and subsidiary companies
• On a confidential basis to our agents, contractors and external service providers
• If we are otherwise permitted or required to do so by law
• To anybody who represents you, such as lawyers, guardians, persons holding power of attorney and accountants
• To investors, agents or advisers, trustees, rating agencies, or any entity that has an interest in your finance or our business
• To entities to whom we outsource some of our functions
• To payment systems operators
• To any organisation providing verification of your identity
• In other circumstances where you have first consented to the disclosure

Access and changes to personal information

You have the right to amend or update inaccurate or incomplete personal information, request deletion of your personal information, or request that we no longer use it. Upon request we will provide you with information about whether we hold any of your personal information.

Use of cookies

We (or a third party acting on our behalf) use cookies and similar technologies for several purposes, including storing your preferences and settings, and sign-in and authentication. We will handle personal information collected by cookies in the same way that we handle all other personal information as described in this Privacy Policy.

Storage

We will store your personal data for up to 7 years after we have completed providing our services to you. We store all data securely in Australia. However, to operate our business we sometimes use the services of third party IT service providers located overseas. This means that third party IT service providers located in the US and Nepal may at times have access to your personal information so that we can continue to operate our product and services. We will never sell your personal information to third parties.

Security

The security of your information is very important to us. We take commercially reasonable precautions consistent with applicable regulatory requirements to protect the personal information submitted to us. However, no method of transmission over the Internet or method of electronic storage is 100% secure.

If you have any questions about security on our web sites, please contact:

Attention: Compliance Officer
Rello Holdings Pty Ltd
Level 3, 55 Pyrmont Bridge Road, Pyrmont 2009
Email: support@rello.com.au

Accessing or correcting your personal information

You can access the personal information we hold about you by contacting us using the contact details provided through the website. If you think that any personal information we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected:

Attention: Compliance Officer
Rello Holdings Pty Ltd
Level 3, 55 Pyrmont Bridge Road, Pyrmont 2009
Email: support@rello.com.au

Making a complaint

If you think we have breached the Privacy Act 1988 (Cth), or you wish to make a complaint about the way we have handled your personal information, you can contact us. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you within a reasonable period of time, typically within 30 days.

If your complaint is not resolved, you may refer your complaint to the Office of the Australian Information Commissioner: www.oaic.gov.au

Changes to our Privacy Policy

We are constantly reviewing all of our policies and attempt to keep up-to-date with market expectations. As a consequence, we may change this policy from time to time or as the need arises. We will post any changes to this policy on our website.

Opting out of analytics services

You can opt out of data collection or use by some third-party analytics providers by following these links:

• AppsFlyer: www.appsflyer.com/optout
• Google Analytics: tools.google.com/dlpage/gaoptout