Who we are?
Finance Broker Details:
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")
1) REFERRAL CONSENT
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.
2) PRIVACY ACT CONSENT
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:
- assessing the application for finance, the guarantee and any related insurance proposal;
- sourcing and arranging finance and insurance; and
- other activities relating to these activities.
For the same purposes, the Recipient/s may disclose this information to and collect further personal information about me/us from:
- third parties identified in:
-
- my/our application for finance or any related guarantee or related insurance proposal; or
- applications for finance for acompany of which I am a director or otherwise an interested party or any related guarantee orrelated insurance proposal;
- guarantors or proposed guarantors identified in my/our application for finance;
- one or more of the credit providers they use to arrange finance on my/our behalf (the "Credit Providers").
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;
- Credit Reporting Bodies, where I/we have authorised the Recipient/s to obtain areport on my/our behalf as set out in section 4 ofthis form below;
- my/our car or finance broker; and
- I/we acknowledge that where I/we have been resident in New Zealand the Recipients may also seekcredit reports fromrelevantNew Zealand credit reporting bodies in relation to my/our application. In this regard I/we consent to Recipients disclosing my/ourpersonal information (other than Credit Eligibility Information) to an overseas recipient, located in New Zealand. This consentmeansthat Recipients do not need to take such steps to ensure that overseas recipient does not breach the Australian Privacy Principlesand if that overseas recipient handles the information in breach of the Australian Privacy Principles, Recipients will not beaccountable for that breach and I/we will not be able to seekredress under the Privacy Act 1988 (Cth). I/we also acknowledge thateven where I/we do not provide Recipients with my/our consent to this, Recipients may still disclose personal information aboutme/us to the overseas recipient. However, in those circumstances, Recipients will do so in accordance with their obligations underthe Privacy Act 1988 (Cth). By signing this form below, I/we consent to this disclosure of my/our personal information to overseasrecipients.
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:
- suppliers of goods, mercantile agents, collection agencies, and insurers; and
- the Recipient/s agents, contractors, external advisers and other service providers.
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:
- assessing the application for finance, the guarantee or any related insurance proposal; and
- (if the application is accepted) providing finance and ancillary services(such as insurance) to the applicant(s) and for the ongoingmanagement of the finance, guarantees and ancillary services; and
- collecting payments that are overdue in relation to the credit provided to me by the Credit Provider.
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:
- Disclose my/our personal information to acredit reporting body and collectcredit reports and information about my/our credit historyand credit worthiness, including credit liabilities, repayments and defaults, from acredit reporting body (ora body that providesinformation on commercial activity and commercialcredit worthiness) to assess my application for consumercredit orcommercialcredit or to assess whether to accept me as a guarantor.
- Collect from and disclose to another credit provider named in the application for finance or in information otherwise obtained inrelation to the application any personal information about me, including credit eligibility information about me/us in order to assessmy application for consumercredit or commercial credit.
- Collect from and disclose to any body which maintains a register of personal property securities (such as PPSR), any personalinformation about me/us, including any information about my/our creditworthiness, credit standing, credit history orcredit capacity,the status of the finance and any default by me/us in accordance with the Privacy Act.
- Collect from and disclose to any person or organisation identified in the application for finance, personal information about me/us.
- Collect information about me/us from the Recipient/s including health information or information about my/our citizenshipandcountry of birth, membership of a professional or trade association, membership of a trade union, criminalrecord or informationabout me/us where I/we are a politically exposed person under the Anti-Money Laundering and Counter-TerrorismFinancing Act2006 and use or disclose that information as necessary where I/we have applied for a product that requires that information.
- Disclose to any guarantor or proposed guarantor of the application for finance, any information about the finance or personalinformation (includingcredit eligibility information) about me/us now or at any time in the future in order for the guarantor orproposed guarantor to consider whether to offer to act as guarantor in relation to the credit or to offer property as security for thecredit.
- Collect from and disclose personal information about me/us to the Credit Provider's agents, contractors, external advisers as well asto suppliers of goods, mercantile agents, collection agencies and insurers, and my/our car or finance broker.
- Disclose to the Recipient/s any credit decision made by the Credit Providers concerning my/our application for finance.
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 may obtain acopy of the policies about the management of credit related personal information of the Credit Providers and thecredit reporting bodies;
- if I/we fail to meet my/our payment obligations or commitaseriouscredit infringement, credit providers may be entitled to disclosethis information to Credit Reporting Bodies; and
- I/we may access my personal information (includingcredit eligibility information) held by the Credit Providers, and seek the correction of personal information (includingcredit eligibility information or Credit Information), complain about a breach of theAustralian Privacy Principles or a failure to comply with Division 3 of Part IIIA of the Privacy Act or the Credit Reporting Code andhow the Credit Providers will deal with sucha complaint;
- I/we have aright to requestcredit reporting bodies not to use mycredit reporting information for the purposes of pre-screening of direct marketing and to not to use or disclose such information if I believe on reasonable grounds that I have been, or am likelytobe, a victim of fraud.; and
- I/we canrequest to have this statement made available in an alternative form -such as hard copy or by email.
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: privacy@financemotors.com.au
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: privacy@ufsq.com.au
3) Electronic Communications Act Consent (ECC)
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:
- notices and disclosure documents about my/our credit application such as a Credit Guide or a Credit Quote for providingcreditassistance or acopy of my preliminary assessment;
- financial services disclosures such as a Financial Services Guide or Product Disclosure Statement;
- credit contract documents or variations to the credit contract; and
- notices from the Recipients to me/us.
We understand that the Recipients will rely on this consent to communicate with me/us by:
- electronic mail ("email") to the email address(es) noted above;
- in the case of notices or documents required under the National Consumer Credit Protection Act 2009 (Cth) (including the NationalCredit Code, by making the notice or other document available for areasonable period on the Recipient's information system forretrieval by me and promptly notifying me by electronic communication that the notice or other document is available for retrieval onthe system and the nature of the notice or other document;
- in the case of notices or documents required under Chapter 7 of the Corporations Act 2001, makinga notice available for me/us toaccess on their website, subject to also sendingme an email with a hyperlink to the disclosure or a written (paper or electronic)notice with a reference to the website address where the disclosure can be found;
- any other method of electronic communication permitted by law.
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:
- check electronic communications, including my/our emails, regularly for notices and other communication from the Recipients;
- ensure my/our email address remainscurrent(or as otherwise notified to the Recipients); and
- ensure emails from the Recipients are not blocked.
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.
4) Authorisation to obtain credit reports
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:
a)the Recipients may disclose any or all of the following personal information to acredit reporting body:
- my/our names;
- my/our residential addresses;
- my/our dates of birth; and
b)the Recipients mayrequestacredit reporting body to provide an assessment of whether the personal information disclosed matches(in whole or part) personal information contained in credit reporting information about me/us in the possession or control of the creditreporting body (the Assessment); and
c)the credit reporting body may prepare and provide to the Recipients the Assessment and may use the personal information aboutme/us and the names, residential addresses and dates or birth contained in credit reporting information of other individuals, for thepurpose of preparing the Assessment,
and I/we consent to the Recipients making the above request to acredit reporting body and the disclosure of my/our personalinformation.
5) Acceptance of this consent
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
*Lenders not offered by the aggregator and are the licencees direct accreditations
Credit Guide
ABOUT THIS CREDIT GUIDE
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.
OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU
Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:
- suggesting that you apply for a particular credit contract with a particular credit provider;
- suggesting that you apply for an increase to the credit limit of a particular credit contract with a particular creditprovider; or
- assisting you to do so, if the contract will be unsuitable for you.
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:
- you will be unable to comply with your financial obligations under the contract, or could only comply with substantialhardship; or
- the contract will not meetyour requirements or objectives.
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:
- make inquiries about your financial situation and requirements and objectives that we believe are relevant to the credityou are applying for; and
- take reasonable steps to verify your financial information - for instance by asking for evidence of your income; and
- use this information to determine whether the credit contract is unsuitable for you.
You can request a copy of our preliminary assessment. We must give youacopy(at no charge to you):
- within 15 business days, if your request is made within 2years of our credit assistance quote; and
- otherwise within 25 business days of your request.
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.
OUR FEES AND CHARGES
Consumers will be liable to pay the following fees and charges to us for our credit assistance or matters associated withproviding credit assistance:
|
NameofFeeor
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
|
CREDIT PROVIDERS WITH WHOM WE CONDUCT BUSINESS
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:
|
Name
|
ABN
|
ACL Number
|
|
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
|
COMMISSIONS
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.
PAYMENTS TO THIRD PARTIES
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:
- a Licensed Finance Broker;
- a Credit Representative of ours; or
- a Referrer (usually being the supplier of the goods).
You may obtain from us areasonable estimate of the amount of commission and how it is worked out on request.
HOW WE RESOLVE DISPUTES
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.
INTERNAL DISPUTE RESOLUTION
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.
EXTERNAL DISPUTE RESOLUTION
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.
Credit and Investments Ombudsman Limited (CIO)
Mail: Case Management Team
C/- Credit and Investments Ombudsman Limited
PO Box A252 SYDNEY SOUTH NSW 1235
Telephone:1800 138 422
Fax:(02) 9273 8440
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.
HOW TO CONTACT US
Finance Motors Pty Ltd
ABN 78 600 758 923
Australian Credit Licence 490343
Phone: 1300 427 334
PO Box 984 Slacks Creek QLD 4127
Email: customersupport@financemotors.com.au
For terms of use of mediums like Facebook, Twittter, Instagram, please contact the owner directly for their use of data and privacy policy.
We reserve the right to correct or update the credit consent and privacy policy at any time. Finance Motors is not liable for any policy or term of use changes from 3rd party providers. Please contact the provider's customer support team directly.
