Fair Go Finance Pty Ltd ACN 134 369 574
Australian Credit Licence
Consumer and commercial credit information
We may exchange your commercial and consumer credit information with entities listed below to assess an application for consumer or commercial credit and manage that credit. In particular, we can obtain credit information about you from a CRB providing both consumer and commercial credit information.
Exchange information with credit providers
We may exchange your personal and credit information with other credit providers for the purposes of assessing your creditworthiness, credit standing, and credit history or credit capacity.
- Finance brokers, and persons who assist us to provide our products to you
- Financial consultants, accountants, lawyers and advisers
- Any industry body, tribunal, court or otherwise in connection with any complaint regarding the approval or management of your loan – for example if a complaint is lodged about us or the lender
- Businesses assisting us with funding for loans
- Any person where we are required by law to do so
- Any of our associates, related entities or contractors
- Your referees, such as your employer, to verify information you have provided
- Any person considering acquiring an interest in our business or assets
We may exchange your personal and credit information with the following credit reporting bodies:
Equifax (previously known as Veda Advantage Ltd) : equifax.com.au
Dun & Bradstreet (Australia) Pty Ltd : dnb.com.au
Experian : experian.com.au.
Providing your bank statements electronically
Provide Accurate Information. You agree to provide true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you agree to not misrepresent your identity or your account information. You agree to keep your bank account information up-to-date, accurate and complete.
Third Party Accounts. By agreeing to allow us viewing access to your Transaction History, you authorise Proviso Pty Ltd trading as BankStatements Pty Ltd (ABN 891662778845) to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements over a period of up to 90 days. You agree that Proviso Pty Ltd trading as BankStatements.com.au (ABN 891662778845) may, and are instructed by you as your agent and nominated representative, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. This will include the following purposes: copying Transaction History over a 90 day period and storing the copied Transaction History on our servers. Proviso Pty Ltd trading as BankStatements.com.au (ABN 891662778845) provides your Transaction History to us. Proviso Pty Ltd trading as BankStatements.com.au (ABN 891662778845) will continue to have access to your Transactions History provided you do not change your internet banking login details. You acknowledge and agree that when we or Proviso Ltd trading as BankStatements.com.au (ABN 891662778845) access and retrieve information and Transaction History from third party sites, this is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider). You should be aware that third party account providers shall be entitled to rely on this authorisation and agency granted by you. You should also be aware that this service is not endorsed or sponsored by any third party bank account providers. We would recommend that you refer to the terms and conditions of your internet banking provider if you would like more information. Providing us with your internet banking login details may limit your rights under your banks terms and conditions for unauthorised transactions. You understand that allowing us and Proviso Pty Ltd trading as BankStatements.com.au (ABN 891662778845) to review your Transaction History is at your sole risk. We are only able to review your Transaction History on an “as is” and “as available basis” as it is made available to us by service providers. It may not be available to us from time to time. We cannot guarantee that allowing us to review your Transaction History will guarantee the success of your loan application or the rate at which the loan is available.
Customer identification.We may disclose personal information about you to an organisation providing verification of your identity, including on-line verification of your identity. We may verify your identity using information held by a CRB. To do this we may disclose personal information such as your name, date of birth, and address to the CRB to obtain an assessment of whether that personal information matches information held by the CRB. The CRB may give us a report on that assessment and to do so may use personal information about you and other individuals in their files. Alternative means of verifying your identity are available on request. If we are unable to verify your identity using information held by a CRB we will provide you with a notice to this effect and give you the opportunity to contact the CRB to update your information held by them.
This document provides information about the loans provided by us. We are licensed to provide loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking.
|Internal Complaints Officer contact details||Paul Walshe, 1300 FAIRGO.|
External Dispute Resolution Scheme
FOS (Financial Ombudsman Service Limited)
Phone 1800 367 287, https://fos.org.au/
We will need information from you
Under the NCCP Act, we are obliged to ensure that any loan, lease, or principal increase to a loan we arrange for you is not unsuitable for you. To decide this, we will need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:
- make reasonable inquiries about your requirements and objectives;
- make reasonable inquiries about your financial situation;
- take reasonable steps to verify that 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, lease contract, or principal increase, 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 or lease contract is entered or the credit limit is increased.
Our internal dispute resolution scheme
We hope you are delighted with our services, but if you have any complaints you should notify us by contacting our Complaints Officer by telephoning 1300 324 746. Emailing : email@example.com or writing to the above address or by speaking 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. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.
Our external dispute resolution scheme
Consent to receive information electronically
You as the applicant consent to the receipt of notices and other documents in connection with our dealings with you by email or by accessing our website.
By giving this consent we will:
(a) make all notices and other documents available for a reasonable period of time on a password protected section of our website for retrieval by you; or
(b) we will send you notices and other documents by email;
If the information is displayed on our website we will promptly send you an email to the email address you nominated notifying you that information is available for retrieval on our website and notify you of the nature of that information;
We will no longer send paper copies of notices and other documents;
You should regularly check your nominated email address for notices; and
You may withdraw your consent to the giving of notices and other documents at any time.
You will have facilities to enable you to readily print notices or other documents retrieved from our website or sent to you by email if you desire.
I have read the above and acknowledge my consent and authorisation.*
I acknowledge that the information provided by me is true and correct.*
I consent to receiving notices (including my loan contract) by email or by logging into this website to access them.*
I consent to the use of my personal information as set out above.*