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Consumer Loan Contract

LOAN SCHEDULE

Credit Corp Financial Services Pty Limited ABN 39 146 525 706 (Australian Credit Licence # 400871) trading as Wallet Wizard (Wallet Wizard / us / we) offers you a loan of the amount specified in the Loan Schedule and on the terms and conditions of the Consumer Loan Contract which comprises this Loan Schedule and the Terms and Conditions (“Contract”).  If you accept the Contract, the Contract will automatically form a binding agreement between you and us. Acceptance of the Contract includes acceptance online. Words or phrases used in this Loan Schedule have the same meaning as those used in the Terms and Conditions. We may withdraw this offer after 7 days of us notifying you that your loan application has been approved. References to “signing” the Contract will be deemed to include acceptance online.

 

Borrower Information

Borrower Name:

Address:

,

Email Address:

Telephone:

Mobile:

Financial Table

Amount of Credit

$0.00

Plus:

 

Establishment Fee

$0.00

Monthly Fee

$0.00

Total Amount of Credit (“Loan”)

$0.00

Disbursement of Total Amount of Credit

 

Disbursement Date: 01/01/0001

Disbursement Method:

Item

Payable to

 

Amount of Credit

The Borrower

$0.00

Establishment Fee

Wallet Wizard

$0.00

Interest*

 

Total Amount of Interest Charges

Nil

Annual Percentage Rate

0% p.a.

*As this is a small amount credit contract the Commonwealth Government does not allow interest to be charged, only fees and charges. There is no Annual Percentage Rate and no interest charges.

Fees & Charges payable under the Contract

 

An Establishment Fee that is included in the Total Amount of Credit and is payable on settlement to us:

$0.00

An Account Service Fee payable to us for each month or part thereof that there is an Outstanding Balance owing to us:

$0.00

Total amount of Fees and Charges payable during the Loan Term:

$0.00

Wallet Wizard is authorised to debit the amount of the Fees or Charge to your account and it will form part of the Outstanding Balance.

Total Amount of Repayments

$0.00

Loan Term:

Repayments

You must make each Repayment on the following dates during the Loan Term (each date being a “Repayment Due Date”):

Repayment Number

Date

Amount

Late Payment Fee

 

You must pay us a Late Payment Fee each time you fail to make payment as and when due under the Contract which includes our costs of reviewing your account and contacting you to remind you of payment by way of phone call, letter and/or SMS.

$0.00

Wallet Wizard is authorised to debit the amount of any Late Payment Fee to your account and it will form part of the Outstanding Balance.

Enforcement Expenses

May be payable if you are in default under the Contract.

Disclosure Date:

The disclosures in this Loan Schedule are correct on the assumption that you accept the Contract by 2:30pm AEDST on the Disclosure Date and on other assumptions permitted by law. If you accept the Contract after 2:30pm AEDST on the Disclosure Date, the disclosures in this Loan Schedule may change.

YOUR ACKNOWLEDGEMENT ABOUT THINGS YOU AGREE YOU HAVE BEEN TOLD BY US OR THAT YOU HAVE RECEIVED FROM US.

You acknowledge that, before you accepted and/or signed the Contract, you received a copy of this Loan Schedule and the Terms and Conditions which includes the Information Statement, - Things you should know about your proposed Credit Contract and a Credit Guide for you to keep.

You also acknowledge that:

  • By providing your email address you authorise Wallet Wizard to give you such documents by email as are permitted to be given electronically; and

  • You have entered into the Contract freely, and you understand your obligations to Wallet Wizard and your responsibilities under the Contract.

 

 

Signed for an on behalf of Credit Corp Financial Services Pty Limited

Oliver Priddin

Disclosure Date:

 

 

IMPORTANT

BEFORE YOU SIGN

THINGS YOU MUST KNOW

  • READ THIS CONTRACT DOCUMENT so that you know exactly what contract you are entering into and what you will have to do under the contract.

  • Once you sign this contract document, you will be bound by it. However you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for which credit is to be provided under the contract by telling the credit provider in writing, but you will still be liable for any fees or charges already incurred.

  • You should also read the information statement: “THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT”.

  • You do not have to take out consumer credit insurance unless you want to.

  • Fill in or cross out any blank spaces.

  • If you take out insurance, the credit provider cannot insist on any particular insurance company.

  • Get a copy of this contract document.

  • If this contract document says so, the credit provider can vary the annual percentage rate (the interest rate), the repayments and the fees and charges and can add fees and charges without your consent.

  • Do not sign this contract document if there is anything you do not understand.

  • If this document says so, the credit provider can charge a fee if you pay out your contract early.

 

 

 

 

Consumer Loan Contract

TERMS & CONDITIONS

These Terms and Conditions and the Loan Schedule together comprise the Consumer Loan Contract, which is the agreement between you and us (“Contract“). They should be read together.

1. THE LOAN

1.1 We will lend you the Total Amount of Credit as set out in the Loan Schedule. This is the loan which you must repay (“Loan”).

1.2 We will disburse the Loan as set out in the Loan Schedule following your acceptance of this Contract.

1.3 We may not, however, disburse the Loan if any information you give to us, or which has been given on your behalf, changes or is incorrect.

2. FEES AND CHARGES

2.1 You must pay the Fees and Charges in the circumstances set out in the Loan Schedule.

2.2 If you fail to make a payment as and when due under this Contract then you must pay the Late Payment Fees as set out in the Loan Schedule.

2.3 You will not be required to pay total Fees and Charges which exceed twice the Amount of Credit (not including Enforcement Expenses).

2.4 Any Fees and Charges you must pay will be debited to your account and form part of the Outstanding Balance.

2.5 Any government tax, duty, levy, or fee we incur concerning this Contract will also be debited to your account and form part of the Outstanding Balance.

3. REPAYMENTS

3.1 You must repay the Outstanding Balance (including but not limited to the Loan) in full by the final Repayment Due Date unless we agree otherwise in writing.

3.2 You must make the repayments on each Repayment Due Date as specified in the Loan Schedule, or as we agree in writing during the course of this Contract.

3.3 If a Repayment Due Date is not a Business Day, the payment must be made on the following Business Day.

3.4 You must make all payments by direct debit. If your payment is dishonoured, the payment is taken not to have been made.

3.5 You authorise us to obtain payment of any amounts you owe under this Contract through the Direct Debit Request you have signed in connection with this Contract.

3.6 You must make payments in full and they will be credited to your account without any deduction or set-off by either you or us. If you wish to dispute a payment or anything else in relation to this Contract, you are encouraged to contact us to initiate our internal dispute resolution process. If you are dissatisfied with the outcome, you have a right to take your dispute to either our external dispute resolution scheme or to a court.

3.7 If Fees and Charges, Enforcement Expenses or other costs are debited to your account and form part of the Outstanding Balance, you must pay them immediately.

3.8 You may pay out this Contract in full earlier than the final Repayment Due Date provided you pay all Fees and Charges and other amounts owing under this Contract including any Enforcement Expenses.

4. APPLICATION OF PAYMENTS

4.1 You can direct us to apply your payments to any amount you owe under this Contract in any order. However, if you do not provide a direction in writing before, or when, making a payment, we can apply the payment to any amount you owe under this Contract in any order we decide. For example, if you owe Enforcement Expenses, we may pay them before your regular repayment.

4.2 If you hold other credit contracts with us and you make a payment which is insufficient to satisfy all your outstanding repayment obligations under each contract, we reserve the right to apply the payment to any, or all, of the credit contracts in any manner we decide unless you have provided written directions before, or when, making the payment on how the payment is to be applied.

4.3 We will adjust debits, credits and the Outstanding Balance if there is a processing error or where a payment has been dishonoured.

4.4 We will also adjust the debits, credits and Outstanding Balance if there are refunds or corrections to accurately reflect the legal obligations between us. This will occur regardless of the adjustment favouring either of us.

5. DEFAULT

5.1 You will be in default if you:

(a) fail to pay us on time any amount due; or

(b) do not do what you have agreed to do; or

(c) do what you have agreed not to do; or

(d) any of the information you have provided us with in connection with this Contract is inaccurate or false.

5.2 If you are in default, we will give you a written default notice requiring you to correct the default. However, we need not give you that notice in circumstances where the law does not require it.

5.3 A default notice will tell you what you need to do to fix the default, if that can be done. You must do what the notice asks within the time provided.

5.4 If, during the period of the default notice, you default a second time in the same way again, then you are still in default, even if you have fixed the first default.

5.5 You must pay us the Outstanding Balance which may include (but is not limited to) arrears and Late Payment Fees and we may, by written notice to you, terminate this Contract in the following circumstances:

(a) if you have not fixed the default within the time specified in the default notice; or

(b) if the default cannot be fixed, after the time specified in the default notice has passed; or

(c) the default is of a kind where the law does not require us to give you a written default notice.

6. ENFORCEMENT EXPENSES

6.1 Enforcement Expenses can include a range of costs such as collection agency fees, legal fees, our reasonable internal costs (for example costs associated with the use of our staff and facilities), as well as all government charges, fees, taxes or duties incurred in relation to those expenses.

6.2 When requested by us, you must pay any Enforcement Expenses we reasonably incur, but we may, without making demand, debit them to your account and they will form part of the Outstanding Balance.

7. COMMUNICATIONS BETWEEN US

7.1 By inserting your email address in the Loan Schedule you authorise us to use email for communication purposes, including the giving and receiving of documents, notices or information as permitted to be given electronically under the Code. You may cancel your authorisation to receive documents by email at any time, by notifying us in accordance with clause 7.3.

7.2 You must tell us if you change your name, your residential, postal or email address, your telephone or mobile number or your employment.

7.3 If you have to give us a document or notice then you can:

(a) leave it at our office address as shown on the Loan Schedule, or any other address we tell you; or

(b) send it to our facsimile number as shown on the Loan Schedule; or

(c) email it to an email address we tell you.

7.4 Unless stated otherwise, if we need to give you a document or notice we can do so by:

(a) delivering it to you personally; or

(b) leaving it at, or sending it by post to, your residential or postal address that you last provided to us; or

(c) emailing it, where the Code allows, to the email address that you last provided to us.

7.5 If you have provided us with your email address you must:

(a) regularly check your email address to see if you have received any emails from us;

(b) maintain and check your Electronic Equipment and your email address regularly to ensure it is always capable of receiving emails from us; and

(c) you are responsible for printing or saving important documents, and we strongly recommend that you do so.

7.6 By inserting your telephone number in the Loan Schedule you authorise us to use this telephone number for communication purposes, which may include contacting you for the purposes of ensuring compliance with your obligations under this Contract.

8. FINANCIAL DIFFICULTIES

8.1 You should tell us immediately if you cannot make any repayments. If you do, we will discuss alternative payment arrangements with you. However, we do not have to agree to any alternative arrangements.

9. ELECTRONIC ACCEPTANCE

9.1 You:

(a) acknowledge and agree that both you and Wallet Wizard have or will sign this Contract electronically; and

(b) consent to providing your signature electronically for the purposes of this Contract, the Direct Debit Request and the Privacy Disclosure Statement & Consent.

10. ASSIGNMENT

10.1 You agree we may transfer, or assign, our rights under this Contract without your consent, provided we reasonably believe you will not suffer any material detriment from the transfer or assignment. In doing so, you consent to us giving any information (including documents) about you to the assignee or to anyone who is considering becoming the assignee.

11. SET OFF

11.1 We may set off any debt or monetary liability we owe you against amounts which are due and payable by you under this Contract.

12. MISCELLANEOUS

12.1 Except for unilateral variations specifically permitted under this Contract, this Contract can only be varied where we both agree.

12.2 We do not waive any of our rights under this Contract, unless we do so expressly and in writing.

12.3 This Contract sets out all the terms between you and us concerning the use and operation of the Loan. This Contract supersedes any other representation, promise or statement made by us or any of our employees or agents in relation to the Loan.

12.4 This Contract is governed by the law in force in the State of New South Wales. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of New South Wales and courts of appeal from them.

13. DEFINITIONS AND INTERPRETATION

13.1 These words, expressions and interpretational rules have the following meanings when used in the Loan Schedule and in these Terms and Conditions:

(a) “we”, “us”, “our” or “Wallet Wizard” means Credit Corp Financial Services Pty Limited ABN 39 146 525 706, Australian Credit Licence # 400871;

(b) “you” or “your” means the “Borrower” specified in the Loan Schedule;

(c) “Business Day” means a date that is not a Saturday or Sunday or a public holiday, special holiday or bank holiday in Sydney, New South Wales;

(d) “Code” means the National Credit Code which is Schedule 1 to the National Consumer Credit Protection Act 2009 (Cth);

(e) “Direct Debit Request” means the direct debit request and authority authorising us to directly debit your Nominated Account;

(f) “Electronic Equipment” includes but is not limited to a computer, telephone or other electronic device which is capable of receiving emails;

(g) “Enforcement Expenses” means all reasonable expenses incurred by us in enforcing this Contract where you are in default, including (but not limited to) those expenses referred to in clause 6 of this Contract;

(h) “Fees and Charges” means the fees and charges specified in the Loan Schedule from time to time;

(i) “Loan” has the meaning in clause 1.1 of this Contract being the Total Amount of Credit as set out in the Loan Schedule;

(j) “Nominated Account” means the account nominated by you for the purpose of the Direct Debit Request;

(k) “Outstanding Balance” means the difference between all amounts credited and all amounts debited to you under this Contract from time to time;

(l) “Privacy Disclosure Statement & Consent” means the Privacy Disclosure Statement & Consent authorising us to collect, use and exchange credit and personal information about you for the purposes outlined in that consent;

(m) “Repayment Due Date(s)” means the date(s) for repayments as set out in the Loan Schedule;

(n) words (including capitalised words) or phrases used in these Terms and Conditions have the same meaning as those used in the Loan Schedule and vice versa;

(o) a reference to a party includes that party’s successors and permitted assigns;

(p) a reference to a statute or other legislation includes any amendment, replacement or re-enactment for the time being in force and includes all regulations, by-laws and statutory instruments made thereunder; and

(q) a reference to this or any other document includes a reference to that document as amended, supplemented, novated or replaced from time to time.

13.2 This Contract is to be interpreted as consistent with the Code. If any provision of this Contract is invalid, unenforceable or breaches the Code, in whole or in part, that provision shall be severed and the remainder of this Contract shall not be affected.

 

Information Statement

Things you should know about your Proposed Credit Contract

This statement tells you about some of the rights and obligations of yourself and your credit provider. It does not state the terms and conditions of your contract.

If you have any concerns about your contract, contact the credit provider and, if you still have concerns, your credit provider’s external dispute resolution scheme, or get legal advice.

THE CONTRACT

  1. How can I get details of my proposed credit contract?

Your credit provider must give you a pre-contractual statement containing certain information about your contract. The pre-contractual statement, and this document, must be given to you before:

  • your contract is entered into; or

  • you make an offer to enter into the contract;

whichever happens first.

  1. How can I get a copy of the final contract?

If the contract document is to be signed by you and returned to your credit provider, you must be given a copy to keep. Also, the credit provider must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if the credit provider has previously given you a copy of the contract document to keep.

If you want another copy of your contract, write to your credit provider and ask for one. Your credit provider may charge you a fee. Your credit provider has to give you a copy:

  • within 14 days of your written request if the original contract came into existence 1 year or less before your request; or

  • otherwise within 30 days of your written request.

  1. Can I terminate the contract?

Yes. You can terminate the contract by writing to the credit provider so long as you have not obtained any credit under the contract.

However, you will still have to pay any fees or charges incurred before you terminated the contract.

  1. Can I pay my credit contract out early?

Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract.

  1. How can I find out the payout figure?

You can contact your credit provider at any time and ask for a statement of the payout figure as at any date you specify. You can also ask for details of how the amount is made up.

Your credit provider must give you the statement within 7 days after you give your request to the credit provider.

  1. Can my contract be changed by my credit provider?

Yes, but only if your contract says so.

  1. Is there anything I can do if I think that my contract is unjust?

Yes. You should first talk to your credit provider. Discuss the matter and see if you can come to some arrangement.

If that is not successful, you may contact your credit provider’s external dispute resolution scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. Your credit provider’s external dispute resolution provider is Credit and Investments Ombudsman and can be contacted at 1800 138 422 or www.cio.org.au and Credit and Investments Ombudsman, PO Box A252, Sydney South NSW 1235. Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid.

You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at http://www.asic.gov.au.

GENERAL

  1. What do I do if I cannot make a repayment?

Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways:

  • to extend the term of your contract and reduce payments; or

  • to extend the term of your contract and delay payments for a set time; or

  • to delay payments for a set time.

  1. What if my credit provider and I cannot agree on a suitable arrangement?

If the credit provider refuses your request to change the repayments, you can ask the credit provider to review this decision if you think it is wrong.

If  the  credit  provider still  refuses  your  request  you  can  complain to  the  external dispute resolution scheme that your credit provider belongs to. Further details about this scheme are set out below in question 11.

  1. Can my credit provider take action against me?

Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the credit provider’s external dispute resolution scheme or ASIC, or get legal advice.

  1. Do I have any other rights and obligations?

Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully.

IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION SCHEME OR GET LEGAL ADVICE.

EXTERNAL DISPUTE RESOLUTION IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION PROVIDER IS CREDIT AND INVESTMENTS OMBUDSMAN AND CAN BE CONTACTED AT 1800 138 422 OR WWW.CIO.ORG.AU OR CREDIT AND INVESTMENTS OMBUDSMAN, PO BOX A252, SYDNEY SOUTH NSW 1235

PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

 

Direct Debit Request

Contract ID:

Request and Authority to debit the account named below to pay

Credit Corp Financial Services Pty Limited trading as Wallet Wizard ABN: 39 146 525 706 User ID (421650) (Wallet Wizard)

Request and Authority to debit

Your Surname  

Your Given names you”

request and authorise Wallet Wizard to arrange, through its own financial institution, for any amount Wallet Wizard may debit or charge your nominated account.

This debit or charge will be made through the Bulk Electronic Clearing System (BECS) from your account held at the financial institution you have nominated below and will be subject to the terms and conditions of the Direct Debit Request Service Agreement.

Financial institution at which account is held

Financial institution name:

 

Details of account to be debited

Name/s on account  

BSB number (Must be 6 Digits)  

Account number

Acknowledgment

By signing this Direct Debit Request you acknowledge having read and understood the terms and conditions governing the debit arrangements between you and Wallet Wizard as set out in this Request and in your Direct Debit Request Service Agreement.

Payment details

All payments required to be made under the Consumer Loan Contract.

Electronic Signature

You Authorise the direct debit and agree to the terms of this Direct Debit Request and the Direct Debit Service Agreement.

 

 

DIRECT DEBIT REQUEST SERVICE AGREEMENT

This is your Direct Debit Request Service Agreement with Credit Corp Financial Services Pty Limited ABN 39 146 525 706 trading as Wallet Wizard. This Agreement explains what your obligations are when undertaking a direct debit arrangement with us. It also details what our obligations are to you as your direct debit provider.

Please keep this Agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request and should be read in conjunction with your Direct Debit Request authorisation. References to “signing” this Agreement will be deemed to include acceptance online.

Definitions

In this Agreement, unless the context otherwise requires:

words defined in the Terms and Conditions have the same meaning in this Agreement (unless otherwise stated);

Nominated Account means the account held at your Financial Institution from which we are authorised to arrange for funds to be debited;

Agreement means this Direct Debit Request Service Agreement;

Banking Day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia;

Debit Day means the day that a payment is due to be made by you to us;

Debit Payment means a particular transaction where a debit is made from your Nominated Account;

Direct Debit Request means the Direct Debit Request between us and you;

Terms and Conditions means the terms and conditions of the consumer loan contract between you and us to which the Direct Debit Request relates;

us or we means Credit Corp Financial Services Pty Limited, User ID (421650), ABN 39 146 525 706 trading as Wallet Wizard;

you means the customer who signed the Direct Debit Request; and

your Financial Institution means the financial institution with which you hold the Nominated Account.

1. Debiting your Nominated Account

1.1 By signing the Direct Debit Request or providing us with a valid instruction, you have authorised us to arrange for funds to be debited from your Nominated Account. You should refer to the Direct Debit Request and this Agreement for the terms of the arrangement between us and you.

1.2 We will only arrange for funds to be debited from your Nominated Account as authorised in the Direct Debit Request.

1.3 If the Debit Day falls on a day that is not a Banking Day, we may direct your Financial Institution to debit your Nominated Account on the following Banking Day. If you are unsure about the Banking Day on which your Nominated Account has or will be debited, you should contact your Financial Institution.

2. Amendments by us

We may vary any details of this Agreement and/or the Direct Debit Request at any time by giving you fourteen (14) days’ written notice.

3. Amendments by you

3.1 Subject to clauses 3.2, you may, unless you have a contrary obligation to us in accordance with the terms of this Agreement, the Direct Debit Request and/or any other agreement, change the arrangements under the Direct Debit Request by telephoning us during business hours on 1300 925 538, by writing to us, or by arranging it through your Financial Institution, which is required to act promptly on your instructions. We note that your Financial Institution may change your Debit Payment only to the extent of advising us of your new Nominated Account details.

3.2 If you wish to stop or defer a Debit Payment, you must notify us in writing at least five (5) days before the next Debit Day.

4. Your obligations

4.1 It is your responsibility to ensure that there are sufficient clear funds available in your Nominated Account to allow a Debit Payment to be made in accordance with the Direct Debit Request.

4.2 If there are insufficient clear funds in your Nominated Account to meet a Debit Payment:

(a) you may be charged a fee and/or interest by your Financial Institution;

(b) you may also incur fees or charges imposed or incurred by us;

(c) you may be in default under any contract between you and us; and

(d) you must arrange for the Debit Payment to be made by another method or arrange for sufficient clear funds to be in your Nominated Account by an agreed time so that we can process the Debit Payment.

4.3 You should check your Nominated Account statement to verify that the amounts debited from your Nominated Account are correct.

4.4 We may at any time deduct the whole or part of any previous period’s Debit Payment that has not been paid as a separate deduction or together with the current amount due if the whole or part of any previous Debit Payment or deduction has not been paid.

4.5 If we are liable to pay goods and services tax (GST) on a supply made by us in connection with this Agreement, then you agree to pay us on demand an additional amount equal to the GST payable by us on that supply.

5. Dispute

5.1 If you believe that there has been an error in debiting your Nominated Account, you should:

(a) notify us immediately on 1300 925 538; and

(b) confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly;

OR

(c) directly contact your Financial Institution in relation to your query.

5.2 If you notify us in accordance with clauses 5.1(a) and 5.1(b) above and we conclude, as a result of our investigations, that your Nominated Account has been incorrectly debited, we will respond to your query by arranging for your Financial Institution to adjust your Nominated Account accordingly (including interest and charges), by directly crediting your Nominated Account.

5.3 If we conclude as a result of our investigations that your Nominated Account has not been incorrectly debited, we will respond to your query, in writing, by providing you with reasons and any evidence for this finding.

6. Accounts

You should check:

(a) with your Financial Institution whether direct debiting is available from your Nominated Account as direct debiting is not available on all accounts offered by financial institutions;

(b) that the Nominated Account details which you have provided to us are correct by checking them against a recent Nominated Account statement; and

(c) with your Financial Institution if you are uncertain about either of the above matters before completing the Direct Debit Request.

7. Confidentiality

7.1 We will keep any information (including your Nominated Account details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.

7.2 We will only disclose information that we have about you:

(a) to the extent specifically required by law;

(b) to our related bodies corporate; and

(c) for the purposes of this Agreement (including, without limitation, disclosing information in connection with any query or claim).

8. Notice

8.1 If you wish to notify us in writing about anything relating to this Agreement, you should write to the following address:

Credit Corp Financial Services Pty Limited
GPO Box 4475
Sydney NSW 2001

8.2 We will notify you by sending a notice in the ordinary post to the address you have given us in the Direct Debit Request (except where any provision of this Agreement allows us to notify you in some other manner).

8.3 Any notice sent by ordinary post in accordance with clauses 8.1 and 8.2 above will be deemed to have been received by the relevant recipient on the third Banking Day after it is posted.

 

PRIVACY DISCLOSURE STATEMENT & CONSENT

For the purposes you agree to in this Privacy Disclosure Statement and Consent (‘Consent’), Credit Corp Financial Services Pty Limited ACN 146 525 706 (‘CCFS’, ‘we’, ‘our’) collects personal information including credit information about you. CCFS is part of the Credit Corp Group which comprises Credit Corp Group Limited and its subsidiaries. By agreeing to and/or signing this consent, you agree we can, consistent with privacy and credit reporting laws, collect, use and exchange credit and personal information about you for the purposes outlined in this consent.

Information and Purposes

We collect credit and personal information about you in order to provide you with:

  • Consumer credit; or
  • Other services stated in this Consent.

The information we obtain from you is used and disclosed, subject to compliance with privacy and credit reporting laws, only for the purposes listed in this Consent, as permitted or required by law or otherwise with your permission.

We require the information we collect from you to verify your identity, assess your credit application and to manage your credit contract. If you do not provide the information sought and your consent to our use of your information in accordance with this Consent, we may be unable to process your application, or we may be limited in the other services we can offer you.

You confirm that you are authorised to provide any personal information to us.

Your Consent to the use and disclosure of your information

By agreeing to the terms of this Consent and/or signing below, you consent to and agree that CCFS may:

  1. Use your personal information:

                     a. To verify your identity, including using the Document Verification Service to confirm that the personal information you provide to us on your identity documents as evidence of your identity match the information held by the agency which issued that document. Our use of the Document Verification Service to verify your identity may involve the use of third party systems and services. You can find more information about the Document Verification Service as follows:

                     b. To assess your consumer credit application;

                     c. To manage or better service your future needs;

                     d. To assist you to manage your debts;

                     e. To collect any amounts you owe in relation to consumer credit;

                     f. As permitted or required by law.

  1. Obtain from, or disclose to other companies within the Credit Corp Group and other third parties information about you, the applicant(s), that is reasonably necessary to assess, arrange, provide, to administer your consumer credit application, or to collect any amounts you owe to us or any other company in the Credit Corp Group in relation to consumer credit;
  2. Disclose your details to a credit reporting body, including your name, address, date of birth and other personal identifiers for the purposes of identity verification against the information contained in your credit file. Should you not agree to have your identity verified by these means, please contact us so that we can discuss other options with you.
  3. Provide you, electronically or by other means, with offers or information of other goods or services we, or any other company within the Credit Corp Group, may be able to provide to you or the company, unless and until you specifically request that we not do so;
  4. Disclose your personal and credit information to other companies within the Credit Corp Group (including overseas to our related companies and employees in the Philippines) and third parties which provide CCFS with services, such as contractors, agents (including debt collection agents), printers, mail-houses, lawyers, document custodians, securitisation providers, computer systems consultants or providers, so they can perform those services for CCFS; and
  5. Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your credit contract.

    Agreement regarding disclosure of information to credit reporting bodies

You also agree that we may, as appropriate:

  1. Where you are the applicant, notify a credit reporting body that you as an individual have applied for credit with CCFS, the amount of the credit required and that we are the prospective credit provider (this information may be retained by the credit reporting body even if your application is unsuccessful);
  2. Provide your identification details to the credit reporting body;
  3. Exchange your credit information with the credit reporting body and any lender named in your credit report or in your application;
  4. Obtain information about your commercial activities, or commercial credit worthiness, where relevant, from a credit reporting body.

    Agreement regarding notification

Where we provide you with consumer credit, you agree we may notify a credit reporting body, should the following circumstances arise, that:

  1. You have applied for credit with CCFS we are your current credit provider;
  2. Your loan repayments are overdue by more than 60 days and collection action has started, or that any such reported repayments are no longer overdue;
  3. In our opinion, you have committed a serious credit infringement (e.g. acted fraudulently or shown an intention not to comply with credit obligations).

Accessing , correcting and making a complaint about your personal information

  1. Our Privacy Policy contains information about how you can access and correct your personal information. Our Privacy Policy also contains further details about the type of personal and credit information that we collect and how we may use it, the contact details of the credit reporting bodies to which we may disclose such information and information about your rights to request those credit reporting bodies not to use or disclose credit reporting information in certain circumstances
  2. If you believe there has been a breach of privacy in relation to your personal information you are entitled to complain. Our Privacy Policy contains information about how you can make a complaint. Our Privacy Policy is available on our website at http://www.walletwizard.com.au/privacy-policy

You can also request a copy of our Privacy Policy or access or correct your personal information or make a complaint by contacting our Privacy Officer by phone on 1300 768 621 or by email at customercare@walletwizard.com.au

 

 

CREDIT GUIDE

 

As a licensed credit provider, it is a requirement to supply you with a Credit Guide as soon as it becomes apparent that we are likely to enter into a credit contract with you.

This guide includes information about us, our responsible lending obligations and our dispute resolution process.

Our Responsible Lending Obligations

Under the National Consumer Credit Protection Act (NCCP) we are obliged to ensure we do not enter into a contract with you, or increase your credit limit if the contract is unsuitable for you.

A contract will be deemed unsuitable if, based on the information you supplied, it is likely that:

  • the contract will not meet your requirements or objectives

  • you will be unable to meet the financial obligations under the contract

  • you could only comply with the terms of the contract under severe hardship

We are also obliged to conduct a ‘Credit Assessment’ prior to entering a contract with you or increasing the credit limit of an existing contract. This Credit Assessment is to determine if the contract is unsuitable.

You can request a copy of your credit assessment which we will supply to you at no charge:

  • before entering the credit contract or before the credit limit is increased, if you make the request before then

  • if the request is made within the first 2 years of entering the contract or of the credit limit being increased we will supply it within 7 business days

  • if the request is made after 2 years of entering the contract or of the credit limit being increased we will supply it to you within 21 business days

We are not obliged to give you a copy if:

  • the request is made more than 7 years after entering the credit contract or increasing the credit limit

  • if the contract is not entered or the credit limit is not increased

 

 

 

Dispute Resolution

Credit Corp Financial Services has both Internal and External Dispute Resolution processes in place.

If you have a concern or complaint, in the first instance, please contact our Internal Dispute Resolution function on:

Phone:

1300 768 621

Fax:

(02) 9347 3650

Email:

customercare@walletwizard.com.au

 

 

Mail:

Customer Care

GPO Box 4475

Sydney NSW 2001

 

If for some reason the concern or complaint is not resolved, you may then contact our External Dispute Resolution scheme. This is an independent service provided to resolve any concerns or complaints that we are unable to resolve with you.

We are a member of the Credit and Investments Ombudsman Service (CIO) External Dispute Resolution Scheme.

Phone:

1800 138 422

Fax:

(02) 9273 8440

Email:

via the website below

 

 

Web:

www.cio.org.au

 

 

Mail:

Case Management Team

C/-Case Management Team

Credit Credit and Investments Ombudsman

PO BOX A252

Sydney South NSW 1235

 

Our Details:

Name:

Credit Corp Financial Services Pty Ltd (CCFS)
ABN 39 146 525 706 Australian Credit Licence # 400871

Address:

GPO BOX 4475

Sydney NSW 2001

Toll Free:

1300 925 538

Fax:

1300 130 757