Credit Guide

1. Our Responsible Lending Obligations

As a part of our responsible lending obligations, we are required to not enter into a credit contract or increase the credit limit with you if the credit contract will be unsuitable. A credit contract will be deemed unsuitable if:

• it is likely that you will be unable to comply with the financial obligations under the credit contract or you could only comply with the financial obligations under the contract with substantial hardship; or
• the credit contract does not meet your requirements or objectives.

In determining whether a credit contract will be deemed unsuitable, we will:

• make reasonable enquiries about your requirements and objectives for the applied credit; and
• make reasonable enquiries about your financial situation;
• take reasonable steps to verify that financial situation;
• obtain and review your bank account statements for the last 90 day period.

2. Providing a Copy of Assessment

If you request a copy of our Assessment of Unsuitability for your credit contract:

• before entering the credit contract, we must give you a written copy of the assessment before entering the credit contract
• within two years from the day any credit is provided to you under a credit contract, we must give you a written copy of the assessment in writing within 7 business days of your request
• after two years from the day any credit is provided to you under a credit contract but within 7 years, we must give you a written copy of the assessment in writing within 21 business days

3. Our Internal Dispute Resolution Procedure

If you are not fully satisfied with the service we have provided you, you can notify our complaints officer at:

Email: c******@j******

In your complaint, you should provide your preferred contact details and clearly outline the nature and details of your complaint and our complaints officer will be in touch with you.

4. Our External Dispute Resolution Scheme

If you are not satisfied with the outcome from our internal dispute resolution procedures or we have not responded within 21 calendar days, you can refer the matter to the independent external dispute resolution scheme of which we are a member;

Australian Financial Complaints Authority
Phone: 1800 931 678
Mail: GPO Box 3, MELBOURNE VIC 3001
E-Mail: i******@a******
Website: www.afca.org.au

5. Contact Us

Should you have any questions regarding any of the information found in this document, or have any other enquiries, please feel free to contact us.

Phone: 1300 189 823
E-Mail: a******@j******
Postal Address: PO Box 370, Indooroopilly QLD 4068