This website is owned by Easy Financing Pty Ltd (ACN 602 949 155). All applications completed on this site are sent to Easy Financing for processing (Credit Licence: 470114) By applying you are giving your consent to the use and disclosure of your personal information as part of assessing your application and then establishing and administering your account.
Under the NCCP Act, we are obliged to ensure that any loan we arrange for you is not unsuitable for you. To ascertain this, we will need to ask you some questions in order to assess whether the loan is not unsuitable. Under the NCCP Act we are required to:
• make reasonable inquiries about your requirements and objectives;
• make reasonable inquiries about your financial situation;
• take reasonable steps to verify your financial situation.
Credit will be unsuitable if at the time of the assessment, it is likely that at the time the loan is made:
• you could not pay or only pay with substantial hardship;
• the credit will not meet your requirements and objectives.
For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate.
If you ask within 7 years of the date of the loan contract, we must provide you with a copy our credit assessment of your application. We are only required to give you a copy of the credit assessment if a loan contract is entered.
The Lender may also disclose your credit information and personal information for those purposes to the following organisations (“Disclosure Parties”): credit reporting agencies ts service providers and alliance partners its agents, contractors and external advisers your referees, including your employer your legal and financial advisers government and other regulatory bodies, law enforcement bodies and courts external complaint resolution bodies e.g. Credit & Investment Ombudsman (CIO), rating agencies payment system operators and other financial institutions and lenders.
I/We by applying authorise Easy Financing PTY LTD to do the above in accordance with the Privacy Act 1988. Further, I/We acknowledge that by applying we agree that this authority is a continuing authority that has effect before, during and after the provision of any credit.
Our internal dispute resolution scheme
We hope you never have to use this but if you have any complaints you should notify us by contacting our Complaints Officer on 1300 275 626 , email us at : firstname.lastname@example.org, write to us at Unit 23/61-71 Beauchamp Road Matraville NSW 2036 or speak to any representative of our business who will refer you to the Complaints Officer.
You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly.
Our external dispute resolution scheme
Should we not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is Credit & Investment Ombudsman Ltd. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.
BANK STATEMENT REQUEST STATEMENT
By consenting to give your bank account and/or online banking details to the secured link provided, you agree/allow a third party service provider (operating onshore) access to your account information.
Your personal information will not be retained by the third party provider once forwarded to Loan Shop. Regardless, you may become liable for unauthorised access to your accounts and Loan Shop recommends you change your password on a regular basis to promote security. Loans Easy is not liable for any loss or breach of personal information.