Finding Financial Motivation & Staying on Track
Finding Financial Motivation We all know how it feels to set a goal for ourselves that doesn’t seem entirely attainable. Worse yet, most of us (probably all of us) know
13 April 2016
Finding Financial Motivation We all know how it feels to set a goal for ourselves that doesn’t seem entirely attainable. Worse yet, most of us (probably all of us) know
We know eating healthy and staying on budget doesn’t necessarily go hand-in-hand. In fact, it’s often one of the most difficult aspects of eating healthy. We’re constantly bombarded by articles,
Summer has come to an end and let’s not lie, we’re all sad about it. So what better way to get over the end-of-summer blues than to plan a road
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We are lucky enough to live in one of the most beautiful places in the world, so wouldn’t it be nice if we were all able to do our part
Are you looking for a simple way to make some extra cash this summer? Do you have a big trip coming up and you’d like to have some extra spending
Tricked Into Spending More Money? We all know the temptation of spending more at shopping centres; the intoxicating smells of the restaurants, the bright lights, shiny items, the absolute need
So you’ve bought a new vehicle and you’re ready to drive. Whether it’s brand new or just new to you, there are a few important aspects of vehicle ownership that
Who doesn’t love a great deal? We all love the idea of maximising our income. With today’s myriad of technology based around share economy, it’s a lot easier than it’s
On A Budget? Here Are 5 Cheap Family Fun Ideas! Having a family is expensive; the weekly grocery bill, tuition costs, uniforms and extracurricular activities. Having ‘Free Time’ with the
Boxing Day only comes once a year and any savvy shopper knows it’s not a day to be wasted! Sure the shopping centres will be packed and you can forget
By submitting an application you agree to the following.
I/We understand and agree that:
Authorisation to Act on Behalf of Individuals
(a) Obtain on my/our behalf a report or information about my/our consumer or commercial credit worthiness from a credit reporting agency, from a commercial credit reporting business or from a credit provider in connection with my/our application for the Loans described below.
(b) Pass on such reports and information to the Approached Credit Provider for the purpose of assessing my/our application for the Loans described below and to give to and to receive from such persons as are relevant to the arranging of that Loans any personal information about me/us as may be necessary to the arrangement.
I/we understand that this paragraph may be deleted if I/we do not agree. I/we also understand that this authority will continue for the duration of the Loans unless and until I/we revoke it by notice to the Introducer and the Approached Credit Provider.
Agreement by Guarantor/s
I/We agree that:
Additional Terms:
Use of Site:
By using this site you agree to be bound by the copyright information.
Terms and conditions can change at any time.
(ABN 84 108 225 841), Credit Licence number #392182 (referred to as “Finance Ezi”/we/us”).
*By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.
What is personal information?
Personal information is information or an opinion about an identifiable or reasonably identifiable person. The personal information we will collect and hold will include your name, date of birth, gender, telephone number, address, email, employment details and any other information we may need to identify you.
What is credit information?
Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit. Credit information also include credit reporting information supplied to us by a credit reporting body and any information that we derive from it.
We will collect, hold, disclose and use your personal and credit information to:
(a) assess and verify your identity and financial situation;
(b) assess your credit application, or your suitability as a guarantor to a credit application;
(c) provide such information to a guarantor or related applicant;
(d) exchange your information with a credit reporting body;
(e) disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit;
(f) disclose your information to an insurer to arrange insurance you wish to obtain;
(g) Obtain from, and disclose to, third-parties such as your employer, landlord, real estate agent, lending institution and guarantor; who are deemed as reasonably necessary to arrange finance and/or insurance; and
(h) refer you to other organisations, service providers or business partners or obtain referrals from them to you.
We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.
Identity & financial situation verification
We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) to collect and use personal and credit information from you in order to identify you. We are also required by the National Consumer Credit Protection Act 2009 (Cth) to collect credit information and personal information about you and take reasonable steps to verify this, including your financial situation. This verification may include enquiring via a credit reporting body.
Authority to make requests
You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:
(a) where you are the borrower—obtaining information or a report about your commercial activities or commercial credit worthiness for the purpose of assessing your application from any business which provides information about the commercial credit worthiness of persons (this includes a credit reporting body);
(b) where you are the borrower—giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for purposes of:
(i) assessing your application for credit;
(ii) notifying a default by you;
(iii) allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and
(iv) generally assessing your credit worthiness;
(c) where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and
(d) where you are the guarantor—obtaining a report about your credit worthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.
You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.
Disclosures
We will disclose or exchange your personal and credit information to the following persons:
(a) potential credit providers and/or insurers as part of our credit assistance process;
(b) third-parties to verify the details provided are correct, including with your agents, guardians, attorneys and employers;
(c) our related body corporates, assignees, agents, contractors and advisers;
(d) law enforcement, government and regulatory bodies;
(e) any person who refers you to us for credit assistance;
(f) joint applicants and guarantors;
(g) any financial institution to, or from which a payment is made;
(h) debt collection agencies; and
(i) anyone who refers you to us.
We will not disclose your personal and credit information to any overseas recipient.
Credit reporting bodies
We may exchange personal and credit information with a credit reporting body as detailed below:
(a) disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process;
(b) use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant; and
(c) request a credit reporting body to provide us with an assessment of whether information provided by the applicant or guarantor matches that in the credit report to verify the identity of applicant and/or guarantor.
Our current Credit Reporting Body is Equifax and you can contact them on phone 1300 762 207 or email [email protected] during opening hours of Mon-Fri 8.30am to 6.00pm Eastern Standard Time. You can obtain their Privacy Policy from their website at www.equifax.com.au.
Credit providers
We may submit a credit application to credit providers listed in our ‘Credit Provider Schedule’. If a credit provider holds pertinent credit eligibility information, the credit provider must share this information with us, yourself or someone you have authorised to act on your behalf. Credit providers may also engage directly with a credit reporting body and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our ‘Credit Provider Schedule’. If your credit application proceeds with a credit provider you may be asked again for your consent to collect, store and use your personal and credit information by this credit provider.
CREDIT PROVIDER SCHEDULE
CREDIT PROVIDER
ABN or ACN
WEBSITE ADDRESS
Affordable Car Loans
23 098 491 484
www.affordablecarloans.com.au
Angle Finance
603 303 126
www.anglefinance.com.au
Australian and New Zealand Banking Group Ltd (ANZ)
11 005 357 522
www.anz.com
Australia Motorcycle and Marine Finance
85 603 969 875
www.ammf.com.au
Australian Premier Finance
54 104 959 435
www.australianpremierfinance.com.au
Automotive Financial Services Pty Limited
73 003 622 375
www.afs.com.au
Azora Asset Finance Pty Limited
087 826 159
www.azorafinance.com
Bank of Queensland Limited
32 009 656 740
www.boq.com.au
Branded Financial Services
27 004 013 334
www.brandedfinancial.com.au
Capital Finance Australia Limited
23 069 663 136
www.capitalfinance.com.au
Car Start Pty Ltd
47 156 477 413
www.carstart.com.au
Commercial Equity Group
67 009 509 077
www.commercialequity.com.au/
Commonwealth Bank of Australia
48 123 123 124
www.commbank.com.au
Drive Finance
70 078 429 151
www.drivefinance.com.au
Early Pay Ltd
098 952 277
https://www.earlypay.com.au/privacy-policy
Evergreen Finance Company Pty Ltd
35 126 481 865
www.evergreenfinancecompany.com
Finance One
80 139 719 903
www.financeone.com.au
Finance One Commercial Pty Ltd
18 634 900 548
www.financeone.com.au
Firstmac Limited
094 145 963
www.firstmac.com.au
flexicommercial Pty Ltd
644 644 860
www.flexicommercial.com
Get Capital Pty Ltd t/as Shift Finance
149 390 625
www.shift.com.au
Greenlight Auto Finance
39 131 507 474
https://greenlightauto.finance/legal/privacy-policy/
Group & General Finance Pty Ltd
87 000 937 257
www.groupandgeneral.com
Grow Finance Group Pty Ltd
80 613 082 698
www.growfinance.com.au
International Acceptance Group
93 098 034 041
www.theiagroup.com.au
Judo Bank Pty Ltd
11 615 995 581
www.judo.bank
Latitude Automotive Financial Services
80 004 187 419
www.latitudefinancial.com.au
Latitude Personal Finance Pty Ltd
54 008 443 810
www.latitudefinancial.com.au
Lumi Finance
75 627 897 625
www.lumi.com.au
Macquarie Leasing Pty LtdFinanc
46 008 583 542
www.macquarie.com.au
Miracle Car Finance Pty Ltd
73 121 367 226
www.miraclecarfinance.com.au
Metro Finance Pty Ltd
44 600 674 093
www.metrofin.com.au
MoneyMe Financial Group Pty Ltd t/as Auto Pay
40 163 691 236
www.autopay.com.au
Money 3 Loans Pty Ltd
108 979 406
www.money3.com.au
Morris Finance Ltd
70 083 630 139
www.morrisfinance.com.au
Moula
95 164 875 325
www.moula.com.au
Multipli
12 130 240 443
www.multipli.com.au
On Deck Capital Australia Pty Ltd
603 753 215
www.ondeck.com.au
Pepper Money
55 094 317 665
www.pepper.com.au
Plenti RE Limited
571 666 466 35
www.plenti.com.au
Prospa
47 154 775 667
www.prospa.com
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R.A.C.V Finance Limited
82 004 292 291
www.racv.com.au
Resimac Asset Finance Pty Limited
93 098 034 041
www.resimacassetfinance.com.au
Rentfleet Operations Pty Ltd
45 637 141 998
www.rentfleet.com.au
Scottish Pacific Business Finance Pty Ltd
79 008 636 388
www.scotpac.com.au
Secure Funding Pty Ltd (Liberty)
25 081 982 872
www.liberty.com.au
Selfco Leasing
099 591 616
www.selfco.com.au
Silver Chef Rentals Pty Ltd
33 112 241 522
www.silverchef.com.au
Society One
151 627 977
www.societyone.com.au
St George Bank
33 007 457 141
www.stgeorge.com.au
Thorn Business Finance
63 008 454 439
www.thornbusinessfinance.com.au
TL Rentals Pty Ltd
071 702 264
www.tlrentals.com.au
True Pillars
603 933 508
www.truepillars.com
UME Loans
25 138 637 064
www.umeloans.com.au
United Loan Solutions Pty Ltd
611 343 572
www.loanu.com.au
Vestone Capital Pty Ltd
44 112 079 268
https://vestonecapital.com/
Westpac Banking Corporation
33 007 457 141
www.westpac.com.au
Wingate Consumer Finance (Now Finance)
158 703 612
www.nowfinance.com.au
VW Financial Services Pty Ltd
20 097 071 460
www.vwfs.com.au
Wisr Finance Pty Ltd
119 503 221
www.wisr.com.au
Aggregation partners
We have finance aggregation arrangements with the following entities who assist us in having access to a wide range of credit providers. We may utilise their systems as part of our credit assistance process and other platforms for potential ongoing client contact. We may also share your details as part of compliance audits.
– Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence #511803
Your rights
You have the right to ask:
(a) that we provide you with the personal and credit information we hold about you;
(b) that we correct any personal and credit information we hold about you that is shown to be incorrect;
(c) for copies of our Privacy Policy and this document;
(d) the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
(e) the credit reporting body provides you with a copy of information it holds about you.
To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact our Privacy Officer (Corey Brett) on phone number 1300 003 003, email via [email protected] or registered post to Level 9, 123 Albert Street Brisbane 4000.
Marketing
We would like to contact you from time to time with marketing information about the products and services we provide. You can opt-out of receiving direct marketing communication from us at any time. If you do NOT want to receive marketing information from us, please let us know via email at [email protected] or phone: 1300 003 003.
Electronic communication
If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make available to you, notices and relevant documents, including those from a credit provider or insurer. You are therefore
responsible for maintaining appropriate software, hardware and associated processes to receive, access, review, print and save copies of such documents.
This consent applies to all types of communication that is permitted by law to occur electronically. Therefore, paper (hard copy) documents may not be provided to you, unless we are obliged to by law. You must regularly check advised electronic communication mediums for communication from us. If your details change, you must promptly notify us.
If you wish to withdraw your consent to electronic communication, please notify us on phone number 1300 003 003, email via [email protected] or registered post to Level 9, 123 Albert Street Brisbane 4000.
ACKNOWLEDGEMENT
By signing below, as applicant or guarantor, I acknowledge and declare that I have read and understood this Privacy Consent. I consent to the collection, storage, use and disclosure of my personal information and credit information in accordance with this
Privacy Consent.
Applicant 1
Applicant 2
Name:
Name:
Signature:
Signature:
Date signed:
Date signed:
Guarantor 1
Guarantor 2
Name:
Name:
Signature:
Signature:
Date signed:
Date signed:
LICENSEE NAME: Finance Ezy Pty Ltd (ABN 84 108 225 841)
AUSTRALIAN CREDIT LICENSE NUMBER: 392182
ADDRESS: 3359 Pacific Highway, Slacks Creek, QLD, 4127
CONTACT DETAILS:
Telephone: 1300 003 003
Email: [email protected]
Our Credit Services: We will assist you to select a loan or lease to meet your needs. We do this via:
Obtaining information from you to gain an understanding of your current financial situation and your requirements and objectives of the loan,
Making reasonable levels of inquiry about your financial situation and verifying the information as needed,
Where authorised by you, obtaining a copy of your credit report to assist us scale our inquiries accordingly,
Obtaining further information from landlords, employers and accountants as needed,
Investigating suitable loans and providing you with information about one or more loans that meet your requirements,
Assessing that your chosen loan is not unsuitable for you,
Helping you to complete the application, compiling the documents required by the lender and submitting the application to the lender,
Liaising with the lender during the approval process and providing further information that may be required, Notifying you of the lender’s decision, and
Assisting with the finalisation of the loan as required.
Our Credit Providers:The credit providers we most commonly use are Macquarie, Secure Funding (Liberty), Pepper Money, Latitude Financial Services, Finance One and Money 3, although we do use others.
Information we will require from you: We are obliged to ensure any loan or lease we suggest or assist you to apply for, including an increase to an existing credit limit, is not unsuitable for your purposes. This includes if the loan or lease does not meet your requirements or objectives, if you are unable to make the repayments, or you could only do so with substantial hardship. Therefore, we will need some information from you. It is important that the information you provide is entirely accurate.
Copies of our Assessment: At any time within 7 years of us providing you with credit assistance, you may request a copy of the preliminary credit assessment. We will provide you with this documentation within 7 business days of receiving your request. However, if your request is more than 2 years after the date of our Credit Quote, we may take up to 21 business days after receiving the request.
Fees payable by you to us: We may charge you up to $2500 (inclusive) as an Origination Fee for our services when providing credit assistance, although this is only payable should the loan proceed. It is a one-off fee, payable at loan settlement. This fee may be paid directly to us, or part of the loan disbursements. If via loan disbursement, this will increase your loan by the fee amount.
Fees payable by you to third parties: When the application for a loan or lease is submitted and ultimately proceeds to settlement, you may be required to pay fees to third parties associated with the application; such as the credit provider’s application fee, security registration fee, inspection fee or other fees. If applicable, these will be detailed in the Credit Proposal document and provided to you before you apply for finance. You can ask us how they are worked out.
Commissions received by us: Commissions may be payable to us by the credit provider for any loan or lease that is settled. The amount varies between lenders and the amount of credit that you receive. These are not directly payable by you and these will be disclosed within the Credit Proposal document that will be provided to you before applying for finance. We may also receive commissions from third parties for referral sales when products are purchased on an external website. You can ask us for an estimate of these commissions and how they are worked out.
Commissions payable by us: If you are referred to us by a third party, we may pay that entity a commission for the introduction of your business. For example, we may pay commissions to real estate agents, car or boat dealerships and accountants. These commissions are not directly payable by you. You can ask us for an estimate of these payments and how they are worked out.
Complaints: We hope that you are pleased with our service, although if you do have a complaint you can contact our Complaints Officer via phone on 1300 003 003 and email [email protected] or mail to 3359 Pacific Highway, Slacks Creek, QLD, 4127. Please provide us with as much detail as possible in your complaint so we can address promptly and hopefully resolve it to your satisfaction. If you are not satisfied with the outcome of our attempt to resolve your complaint, you may refer the matter to the Australian Financial Complaints Authority Australia on phone 1800 931 678 or by writing to GPO Box 3 Melbourne VIC 3001. The Australian Financial Complaints Authority Australia is a no-charge external and independent dispute resolution service.
