The policies below include the following:

• links to our Financial Services Guide and Credit Guide;

• Registered Tax Agency Disclosures;

• Dispute resolution and complaints policy;

• Privacy policy; and

• Website disclaimer.

‘We’, ‘us’ and ‘our’ refers to our businesses, trading as Medcentric consisting of:

• MC Wealth Services Pty Ltd (ABN 94 685 471 247) which holds an Australian Financial Services Licenses and Australian Credit Licence No. 567447 and provides mortgage broking services;

• MC Wealth Services Pty Ltd (ABN 94 685 471 247) is also an incorporated legal practice providing legal services in Australia.

• Vidya Financial Pty Ltd (ABN 42 686 697 834) – provides tax agency services – registered tax agent #26305692;

Financial Services Guide and Credit Guide

Our Financial Services Guide and Credit Guide are always available online.

Registered Tax Agency Disclosures

The Tax Practitioners Board (TPB) maintains a public register of tax agents and BAS agents which can be searched here.

Current sanctions and recent disciplinary history: Medcentric has never been subject to any actions including registration suspension/termination, bankruptcy/external administration, convictions for serious taxation offences or fraud/dishonesty, and/or sanctions.

This fact sheet prepared by the TPB contains some general information on the obligations of a registered tax practitioner and their clients.

Our complaints policy and process is outlined below.

Policy 1: Complaints & Dispute Resolution Policy

Updated: 1 May 2026

As with all businesses we appreciate that matters do not always go as planned or expected so complaints are part and parcel of doing business including providing financial planning services as we do. This policy is to assist you to understand how complaints are handled by us and how you can notify us if you have a complaint.

Notification of Complaint

If you are dissatisfied with the service, we have provided to you and you want us to take some action to address the situation you can notify us through:

• An email to mina@medcentric.com.au

• A telephone call to the representative who provided the service or if uncomfortable making that approach directly to 1800 633236.

• Visiting our office.

The format of the lodgement can be written or oral. We may ask you to confirm our understanding of your oral complaint so that we are all clear on the situation.

Assistance

If you need assistance in expressing your complaint, then we are prepared to listen and help you to set out the details. We are also prepared to engage with a person that you may nominate to act on your behalf however we will require that authorised consent from you (unless they are acting under a Power of Attorney).

If you are more comfortable using a language other than English, please let us know so that an interpreter can be engaged.

Our Process

Once we receive your complaint, we will provide you with an acknowledgement in your preferred method of communication within 1 business day.

We will need to gather information from all parties involved in the complaint and consider that information in light of the situation you have brought to our attention; so, we may need to contact you during our assessment to clarify or obtain further information. Our promise is that we will always conduct investigations and assessments in a fair and unbiased manner.

You will receive our final response with clear explanations for our decisions.

Our final response will be provided to you within 30 calendar days of the receipt of the complaint. However, if your complaint is complex or there are unavoidable delays in receiving requested information from you this may impact our meeting that target. In those unexpected situations we will send you a Delay Notification which will set out the reasons for the delay and that you may escalate this to the Australian Financial Complaints Authority whose contact details are set out towards the end of this policy.

Contact Us

Telephone: 1800 633236
Email: mina@medcentric.com.au
Face to face: 144 Church Street, Brighton VIC 3186

Contact Details for the Australian Financial Complaints Authority

Telephone: 1800 931 678 9:00am–5:00pm AEST/AEDT weekdays
Email: info@afca.org.au
Mail: Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne, VIC 3001
Online: Online complaint form (afca.org.au)

Making a complaint is at no cost to you at all at any stage.

Policy 2: Privacy Policy

Our Commitment to Protect Your Privacy

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed by law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant laws.

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 kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, tax file number and any other information we need to identify you or provide goods or services to you from time to time.

If you are applying for finance, we may also collect the ages and number of your dependents and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us, we may also collect your health information. We will only collect health information from you with your consent.

The personal information we collect and hold about you may include credit information. Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

If you want to purchase any of our services, we may also need to collect your payment information. We will also collect this information if we need to make payments to you. If you apply for employment with us, we will collect information about your work history and ask your referees about you.

Why We Collect Your Personal Information

We collect personal and financial information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time, we may offer you other products and services.

If you apply for employment with us, we will collect information about you to assist us to decide whether to appoint you.

We collect payment information, if necessary, in order to process your payments.

To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting bodies, recoveries firms, debt collectors and lawyers.

How Do We Collect Your Personal Information?

We collect information from you in several ways and we will ask for your consent to do so in the first instance:

• We collect your information when you provide us your information via our website, medcentric.com.au and via a secure form provided by www.contentsnare.com.au. If you engaged one of our services, our staff may record and save information to your record on the Platform or within our Customer Relationship Management (CRM) software.

• While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.

• We may also use ‘cookies’ or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser, but our websites may not work as intended for you if you do so.

• We may collect your personal information directly from you either face to face or via video or audio conferencing.

• We may collect information from you via documents you send us or upload onto GDrive

• We may also collect your personal information from credit reporting bodies, finance brokers and other people such as accountants, lawyers and referees in our efforts to service your needs and / or to formally validate your information against what you provided us verbally or online

Do We Disclose Your Personal Information?

We may disclose your personal information:

• to prospective funders/lenders, lenders mortgage insurers, the ATO and credit reporting bodies or other intermediaries in relation to your finance requirements (Note: this will only occur with your authorisation);

• to companies that provide software and infrastructure systems to us;

• to anybody who represents you, such as finance brokers, lawyers, financial planners and accountants (Note: this will only occur with your authorisation);

• where we are required to do so by law, such as under the Anti-Money or Laundering and Counter Terrorism Financing Act 2006 (Cth) or in accordance with a subpoena or summons issued by a court.

Credit Information

We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities (with your consent):

• credit liability information about your existing finance which includes but is not limited to the name of the credit provider, whether the credit provider holds an Australian Credit Licence, the type of finance, the day the finance is entered into, the terms and conditions of the finance, the maximum amount of finance available, borrowing capacity and the day on which the finance was terminated;

• repayment history information which is information about whether you meet your repayments on time;

• information about the type of finance that you are applying for;

• default and payment information; and

• court proceedings information.

We exchange this credit information for the purposes of assessing your application for finance, managing that finance and any outstanding liabilities to us.

This credit information may be held by us in electronic form on our secure data servers. We may use cloud storage to store the credit information we hold about you.

If or when we obtain credit information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.

Notifiable Matters

The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information. You may request to have these notifiable matters (and this privacy policy) provided to you in an alternative form.

We exchange your credit information with credit reporting bodies and/or debt collection companies. We use the credit information that we exchange with the credit reporting body and/or debt collection companies to assess your creditworthiness, assess your application for finance, manage your finance or any outstanding liabilities with us.

If you fail to meet your payment obligations in relation to any finance that we have provided or arranged, or you have committed a serious credit infringement then we may disclose this information to a credit reporting body and/or debt collection companies.

You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see the heading Access and correction to your personal and credit information below.

Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way.

You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies for more information:

• veda.com.au

• dnb.com.au

• experian.com.au

Updating Your Personal Information

It is important to us that the personal information we hold about you is accurate and up to date. During our relationship with you we may ask you to inform us if any of your personal information has changed.

Access and Correction to Your Personal and Credit Information

We will provide you with access to any other personal, financial and credit information we hold about you. You may request access to any of the personal information we hold about you at any time.

Depending on the type of request that you make we may respond to your request immediately, otherwise we aim to respond within 30 days of receiving your request. We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

An explanation will be provided to you if we deny you access to the personal information we hold about you.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request. Otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

We may need to consult with other entities as part of our investigation.

If we refuse to correct personal information, we will provide you with our reasons for not correcting the information.

Using Government Identifiers

When we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law or to conduct any tax work you engage us to perform on your behalf.

Business Without Identifying You

In most circumstances it will be necessary for us to identify you to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

How Safe and Secure Is Your Personal Information That We Hold?

We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in electronic form on our secure servers. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

There are also instances when we share data, it may be transferred to, and processed outside of Australia. Some data is stored within 3rd party software suppliers, where external access is prevented; and cloud service providers whose servers are located outside of Australia. These service providers are typically located in India, the Philippines, the United States of America and the European Economic Area (EEA).

Personal data on servers operated by cloud service providers are protected by the appropriate safeguards, which are incorporated into our agreements with such cloud service providers such as Google.

Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer as discussed above (policy 1).

We will acknowledge your complaint within seven days. We aim to provide you with a decision on your complaint within 30 days.

Further Information

You may request further information about the way we manage your personal or credit information by contacting us.

Change in Our Privacy Policy

We are constantly reviewing all our policies and attempt to keep up to date with market expectations. Consequently, we may change this privacy policy from time to time or as the need arises.

You may request this privacy policy in an alternative form.

This Privacy Policy came into existence on 1 May 2025.

Website Disclaimer

This disclaimer outlines important information regarding the information provided through this website.

General Information

The information provided on this website is general in nature and does not take into account your personal financial situation, objectives, or needs. It is not intended to be personal financial advice and should not be relied upon as such.

No Warranty

The content on this website is provided “as is” without warranty of any kind, either express or implied. We do not warrant that the information will be error-free, complete, accurate, reliable, suitable for any purpose, or non-infringing.

Investment Risks

All investments involve risk and may result in both profits and losses. Past performance is not indicative of future performance. The value of investments can go up and down. Before making any financial decision, you should consider whether it is appropriate for your circumstances and seek professional advice.

Australian Financial Services License

MC Wealth Services Pty Ltd holds Australian Financial Services License (AFSL) Number 567447 issued by the Australian Securities and Investments Commission (ASIC). Our representatives are authorised to provide financial services within the scope of our license.

Regulatory Compliance

We operate in compliance with the Corporations Act 2001, ASIC regulatory guidelines, and other applicable laws and regulations. However, this website and its content may not satisfy the laws of countries outside Australia.

Third-Party Content

References to third-party products, services, or websites are provided for informational purposes only and do not constitute an endorsement. We are not responsible for the content, accuracy, or practices of third-party websites linked from this site.

Updates to Information

While we strive to keep information current, market conditions and regulatory requirements change frequently. Information may become outdated and should not be relied upon without verification.

Limited Liability

To the maximum extent permitted by law, we exclude all liability for any loss or damage of any kind (including special, indirect, or consequential loss) arising from or in connection with your use of this website and the information contained within it.

Professional Advice

We strongly recommend that you consult with a qualified financial advisor before making any financial decisions to ensure that any products or services discussed are appropriate for your individual circumstances.