Finance Motors Pty Ltd ABN 78 600 758 923 Australian Credit Licence 490343 trading as Finance Motors Pty Ltd of 239 Ewing Rd Underwood QLD 4119 (the "Licensee" or "Finance Motors"); and
United Financial Services (Qld) Pty. Limited ABN 43 073 887 813 Australian Credit Licence 386930 of Suite 6, 20 Rivergate Place MURARRIE QLD 4172 (the "Licensee" or "UFSQ")
I/We hereby consent to the Referrer giving our name(s) and contact details to the Recipients, and anyof their Representatives, within5 business days after informing me/us that the Recipients are able to arrange a loan to purchase thegoods noted above. The Referrer has only informed me/us that the Recipients are able to provide credit assistance and has notdiscussed any particular credit product. I/We further consent to the Recipients making contact with me/us within 10 business days afterreceiving the referral. I/We confirm that the Referrer has not charged me/us a fee for the referral and I/We have been informed that theReferrermayreceiveacommission or other benefit for or attributable to the referral.
The Recipient/s noted above collect from me/us (being each of the Applicants and Guarantors named in the application or any directorsof companies named in the application) and from other persons described below, personal information about me/us, for the purposes of:
For the same purposes, the Recipient/s may disclose this information to and collect further personal information about me/us from:
I acknowledge that the Credit Providers to whom the Recipients maysubmit applications on my behalf and their website addressesare set out in the Schedule at the end of this document;
I/we acknowledge that where I/we have been resident in New Zealand the Recipients may also seekcredit reports from relevant NewZealand credit reporting bodies in relation to my application.
For the same purposes, the Recipient/s may also disclose my/our personal information to:
I/We agree that each of the Recipient/s may use and disclose my/our personal information to their related bodies corporate or to thirdparty affiliates or partners and that the Recipients and their related bodies corporate and third party affiliates and partners may use anddisclose this personal information to inform me/us about their products and services in the future by direct marketing. I understand that Ican opt-out of receipt of such information if I/we contact the Recipients at the contact details set out below.
I/We acknowledge that if we do not provide the personal information requested, the Recipient/s or the Credit Providers may not be ableto process my application for finance or insurance or assess whether to accept me as a guarantor.
I/We acknowledge that Credit Providers are required to collect certain personal information about me under the Anti-MoneyLaunderingand Counter-Terrorism Financing Act 2006 (Cth).
I/We understand that the Recipient/s' privacy policies (available from each Recipient/s' Privacy Officer) contain information on how I/weare able to gain access to the personal information held about me/us by the Recipient/sand seek its correction (subject to exceptionsstated in the Privacy Act 1988 (Cth) ("the Privacy Act")) and on how I/we maymakeacomplaint about a breach of the Australian PrivacyPrinciples set out in the Privacy Act and how the Recipient/s will deal with my/our complaint.
I/We agree the Recipient/s maycollect information about me/us including health information or information about my/our citizenship andcountry of birth, membership of a professional or trade association, membership of a trade union, criminalrecord or information aboutme/us where I/We are a politically exposed person under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and useor disclose that information as necessary where I/We have applied for a product that requires that information.
I/We agree that, if we supply the Recipient/s or the Credit Providers with personal information about any third party (such as a referee),I/we will inform that third party of this fact. I/We acknowledge that the Credit Providers collect and use personal information about me/usfor the following purposes:
For those purposes, and subject to the Privacy Act, I/we consent to and agree that the Credit Providers may do all the following now andin the future:
I/we acknowledge that each Credit Provider's website will generally include information on how to contact the credit provider and how toobtain acopy of its privacy documents in a form that suits you (e.g. hardcopy or email) and will generally also contain a statement aboutcredit reporting, including information about the credit reporting bodies to which they may provide my/our personal information and thatthey may include my personal information in reports they provide to other credit providers and how:
I/we acknowledge that a Credit Provider who approves my/our application for finance will provide me/us with its own privacy disclosurestatement and consent document should I/we decide to proceed with the offer for finance.How to contact us
The Privacy Officer of Finance Motors Pty Ltd ABN 78 600 758 923 Australian Credit Licence 490343 trading as Finance Motors Pty Ltd of 239 Ewing Rd Underwood QLD 4119 Phone: 1300 427 334 Email: [email protected]
The Privacy Officer of United Financial Services (Qld) Pty. Limited of Suite 6, 20 Rivergate Place MURARRIE QLD 4172 Phone:(07)3908 0800 Fax: (07) 3890 4150 Email: [email protected]
I/We consent to the Recipients, or any other party associated with this loan application, including the Credit Providers, givinginformationto me/us by way of electronic communication. I/We nominate and authorise the Recipients and the Credit Providers to act on instructionssent electronically by me/us. I/We understand that this consent and authority will apply to all communications permitted to take placeelectronically by law, including but not limited to:
We understand that the Recipients will rely on this consent to communicate with me/us by:
By giving this consent, I/we acknowledge the Recipients may no longer send me/us notices or other documents in paper form.I/We undertake to:
I/We understand the Recipients rely on me/us to keep my/our nominated e-mail or physical (street) address details up-to-date and tonotify the Recipients when they change.
I/We understand that the provision of electronic documents does not alter my/our obligations under any terms and conditions of anycontract I have with the recipients or any credit contract that I have with a Credit Provider and that we should print and saveacopy ofany notice or other document provided to me/us electronically. I/We confirm that I am/we are responsible for ensuring that I/we maintainthe appropriate software and hardware, including printer, to be able to access, view, retrieve, print and saveacopy of any documentsprovided to me/us by electronic communications.
I/We understand that my/our consent to the giving of documents by electronic communication may be withdrawn at any time. I/wecan goback to receiving paper notices and other documents, delivered by post to my/our nominated street address, by notifying the Recipients in writing withdrawing this ECC.
I/We authorise the Recipients, who I/we acknowledge are assisting me/us to deal with credit reporting bodies, to makearequest onmybehalf to obtain my/our credit reporting information about myconsumer and commercialcredit worthiness from credit reporting bodies.I/we acknowledge that in order for the Recipients to verify my/our identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 in connection with this application as authorised agents of the Credit Providers:
Notwithstanding the terms of any consent given in this Referral & Privacy Act Consent, nothing in this Referral & Privacy Act Consentpermits the Recipients or the Credit Providers to use or disclose credit eligibility information other than in accordancewith therequirements of the Privacy Act 1988.
I/We solemnly and sincerely declare that I/We have read and accept and give all of the consents set out in this Referral and PrivacyAct Consent form. I/we acknowledge that if I do not wish to give any of the consents set out in this Referral and Privacy Consentform, Ican indicate this by striking out the relevantconsent above and acknowledge that, if I do so, the Recipients may not be able toarrange finance or related insurances for me.
Definitions: All terms defined in the Privacy Act 1988 have the same meaning when used in this Referral & Privacy Act Consent.
Schedule of Credit Providers
|Affordable Car Loan Pty Ltd||23 098 491 484||www.affordablecarloans.com.au|
|ANZ||11 005 357 522||www.anz.com/privacy|
|Australian Premier Finance Company Pty Limited||54 104 959 435||www.australianpremierfinance.com.au|
|Automotive Financial Services Pty Limited||73 003 622 375||www.afs.com.au|
|Bank of Queensland Limited||32 009 656 740||www.boq.com.au|
|BOQ Credit Pty Limited||92 080 151 266||www.boq.com.au|
|Capital Finance Australia Limited||23 069 663 136||www.capitalfinance.com.au|
|Citigroup Pty Limited||88 004 325 080||www.citibank.com.au|
|Commonwealth Bank of Australia||48 123 123 124||www.commbank.com.au|
|DirectMoney Finance Pty Ltd||39 119 503 221||www.directmoney.com.au|
|Evergreen Finance Company Pty Ltd||35 126 481 865||www.evergreenfinancecompany.com|
|Fin One Pty Ltd||80 139 719 903||www.finone.com.au|
|Flexirent Capital Pty Ltd||93 064 046 046||www.flexigroup.com.au|
|Gogetta Equipment Funding Pty Ltd||88 124 102 647||www.gogetta.com.au|
|Green Light Auto Group Pty Ltd||39 131 507 474||www.carboodle.com.au|
|Latitude Automotive Financial Services Pty Ltd||80 004 187 419||www.latitudefinancial.com.au|
|Latitude Personal Finance Pty Ltd||54 008 443 810||www.latitudefinancial.com.au|
|Macquarie Leasing Pty Ltd||38 002 674 982||www.macquarie.com.au|
|Money 3 Corporation Limited||63 117 296 143||www.money3.com.au|
|Morris Finance Ltd||70 083 630 139||www.morrisfinance.com.au|
|National Australia Bank Limited||12 004 044 937||www.nab.com.au|
|New Start Auto Loans Pty Ltd||82 127 430 559||www.newstartautoloans.com.au|
|Pepper Asset Finance Pty Ltd||56 165 183 317||www.peppergroup.com.au|
|Prospa Advance Pty Ltd||47 154 775 667||www.prospa.com|
|R.A.C.V. Finance Limited||82 004 292 291||www.racv.com.au|
|RateSetter Australia RE Limited||57 166 646 635||www.ratesetter.com.au/|
|Secure Funding Pty Ltd||25 081 982 872||www.liberty.com.au|
|SELFCO||58 099 591 616||www.selfco.com.au|
|Service Finance Corporation Ltd||93 077 860 256||www.servicefinance.com.au|
|Silver Chef Rentals Pty Ltd||33 112 241 522||www.silverchef.com.au|
|St George Bank||33 007 457 141||www.stgeorge.com.au|
|Team Leasing Pty. Limited||12 130 240 443||www.teamleasing.com.au|
|Toyota Finance Australia Ltd||48 002 435 181||www.toyota.com.au/finance/|
|Volkswagen Financial Services Australia Limited||20 097 071 460||www.vwfs.com.au|
|Westpac Banking Corporation||33 007 457 141||www.westpac.com.au|
|Wingate Consumer Finance Pty Ltd||35 158 703 612||www.nowfinance.com.au|
|Yamaha Motor Finance Australia Pty. Ltd.||29 101 928 670||www.yamaha-motor.com.au|
This Credit Guide is given by Finance Motors Pty Ltd ABN 78 600 758 923 Australian Credit Licence 490343 (the"Licensee","we","us","our", "FM") and is designed to assist you to decide whether to engage us to providecredit assistance in relation to credit contracts.
As a licensed credit assistance provider, we are required to give youa Credit Guide as soon as practicable after itbecomes apparent to us that we may provide assistance to you in relation to acredit contract.
The guide includes information about us, our responsible lending obligations, the names of the credit providers with whomweconductmost of our business with, our fees, charges, and any commissions we mayreceive, and our dispute resolutionprocess.
Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:
The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likelythat:
We must make a preliminary assessment whether the contract will be unsuitable for you before we can providecreditassistance to you.
To help us to make this assessment we will:
You can request a copy of our preliminary assessment. We must give youacopy(at no charge to you):
We do not need to give youacopy of the preliminary assessment if we did not provide credit assistance to you or yourrequest ismademore than 7years after we provided credit assistance to you.
Consumers will be liable to pay the following fees and charges to us for our credit assistance or matters associated withproviding credit assistance:
|Name of Fee or Charge||Explanation||Maximum Amount||Frequency of Payment||Circumstances when it is payable|
|Origination Fee||Represents licensees cost to provide credit assistance||$1000.00 including GST subject to the maximum origination fee allowable under the credit contract||Once Only||Only if you proceed with a credit contract|
We conduct business with more than six(6)credit providers when providing credit assistance in relation to credit contracts. The names of the six(6) credit providers with whom we conductmost of our business are noted below:
|Australia And New Zealand Banking Group Limited (ANZ)||11 005 357 522||ACL 234527|
|Automotive Financial Services (AFS)||73 003 622 375||ACL 383762|
|Macquarie Leasing Pty Ltd (Macquarie Leasing)||38 002 674 982||ACL 394925|
|Secure Funding (Secure)||25 081 982 872||ACL 388133|
|St George Bank (St George)||33 007 457 141||ACL 233714|
|Yamaha Motor Finance Australia Pty. Ltd. (AMF)||29 101 928 670||ACL 394553|
When you enter into a credit contract, we are likely to receive a commission, directly or indirectly, from the credit provider inrelation to the credit contract for which we have provided credit assistance. We have also entered into avolume bonus arrangement with each of the credit providers with whom we conduct business, either directly or indirectly, and may receive additional commissions depending on the total volume of business that we arrange with each of the credit providers. The volume bonus arrangements are payable by the credit provider to us as the licensee.
You may obtain additional information from us about the fees and charges payable by you, the commission likely to bereceived by us or the volume bonus arrangements in place, on request. This includes obtaining information about how feesand charges payable by you are worked out and areasonable estimate of the commissions likely to be received by us andhow thecommission is worked out.
A commission is likely to be paid to a third party for the introduction of credit business or business proposed to be financedby the credit contract or consumer lease if credit assistance is provided through one of the following classes of persons:
You may obtain from us areasonable estimate of the amount of commission and how it is worked out on request.
We welcome every opportunity to resolve any concernsyoumay have with our products or service. If you have acomplaint, are not happy with our service or just want more information, youshould tell us. By telling us, you give us thebest possible opportunity of fixing things. In the first instance, contact our Customer Service Team by calling 1300 4 CREDIT. If you are not satisfied with their response you can request that our manager address your concern.
If your concern is still not resolved to your satisfaction, please write to our Internal Dispute Resolution Committee at Finance Motors Pty Ltd PO Box 984 Slacks Creek QLD 4127. Your concern will be reviewed by our IDR Committee, which has authority to deal with the matter.
We will inform you of the outcome within 45 days or receiving your dispute or complaint.
If your concern still remains unresolved to your satisfaction youcan direct your issue for further review to the Credit andInvestments Ombudsman Limited (CIO), an external review scheme to which we belong.
External dispute resolution is a free service established to provide you with an independent mechanism to resolve your specific complaints. However, you must attempt to resolve your complaint with us before contacting our external dispute resolutionscheme.
To lodge a dispute online go to www.cio.org.au
Further information regarding CIO including their Terms of Reference is available from their office or on their website.