Credit Guide
Licensee Details - Contact Details
Winari Creative Pty Ltd
ABN: 26 674 307 905
ACN: 674 307 905
Hornsby NSW 2077
Phone: 0432 772 550
Credit Representative #579786 of Australian Credit Licence
#414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)
Credit Guide Overview
The National Consumer Credit Protection Act 2009 states we must
provide consumers with a Credit Guide and Quote as soon as
practical after it becomes clear we are likely to provide credit
assistance. The Credit Guide and Quote contains information on
the service we provide, details of our obligations under the NCCP
Act 2009 to ensure credit is not unsuitable for your circumstances,
maximum fees and charges payable to us by you as the consumer,
a guide to the commissions we may receive from credit providers,
and details of fees that may be payable by Winari Creative Pty Ltd
to third-party referrers.
Services we Provide
Our Credit Assistance services in sourcing and arranging a suitable
loan include:
● Obtaining further information from, including but not limited
to, employers, accountants, and credit reporting agencies;
● Investigating suitable loans and providing you with
information about one or more loans that meet your
objectives;
● Assessing, verifying and documenting information, ensuring
the chosen loan is not unsuitable for you;
● Helping you complete the application, compiling the
document required by the credit provider and submitting the
application to the credit provider;
● Liaising with the credit provider during the approval process,
providing any further information that may be required and
notifying you of the credit providers decision;
● Assisting with the finalisation of the loan required
Our “Licensee” obligations to ensure credit is not “unsuitable”
To help us ascertain a credit contract is not unsuitable, we are
required by law to:
● Make reasonable enquiries about your requirements and
objectives
● Make reasonable enquiries about your current financial
situation
● Take reasonable steps to verify the information
If at the time of assessment there is evidence suggesting you are
unable to afford the repayments of the credit provided, or the
credit provided will cause substantial hardship, or the credit
provided will not meet your requirements/objectives, then the
credit will be deemed unsuitable.
Due to the importance of proving credit is not unsuitable, we will
require a significant amount of information. It’s crucial for us to
ensure this information is accurate.
To ensure a credit contract is not unsuitable, we will complete a
preliminary assessment of your requirements and financial
position. We must keep this preliminary assessment for 7 years.
You may request a copy of this preliminary assessment within 7
years of the assistance being provided. We are only required to
provide a copy of this assessment if we give you credit assistance.
Consent and Acknowledgement
By signing this document, acknowledging acceptance by
submitting your enquiry, emailing your acceptance to us, e-signing
this document, or respond by sending through your supporting
documentation requested for an application, you:
● Accept the quote provided for providing credit assistance;
● Confirm the appointment of the credit license to provide
credit assistance and to arrange credit on my/our behalf;
● Authorise the Credit Licensee to perform the actions outlines
in the Privacy Statement section of this document, and
acknowledge that I/ We have received a copy of the Credit
Guide;
Our Quote for providing you with Credit Assistance
We may charge you up to $2,500 (incl. GST) or up to 10% of NAF 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 you, or part of the loan disbursements. If via loan
disbursement, this will increase your loan by the fee amount.
Our “Consumer” Credit Providers
We source credit products from a range of banks, lenders and
other credit providers. The table below shows the 6 lenders to
whom we introduce the most business. It shows the lenders, their
estimated establishment fees and other fees that may be payable.
Some lenders may charge a risk fee which can range between 1% -
10% of the car price.
Lender App Fee Monthly Fee PPSR
Plenti $499 $9.90 $6.80
Pepper $449 $8.90 $8.00
RACV $550 $0.00 $0.00
Firstmac $400 $8.00 $0.00
AFS $495 $15 $17.60
Liberty $495 $7.70 $8.00
If you have a complaint
Internal Dispute Resolution
Within our business we follow specific procedures to try to resolve
any complaints that you may have. If you have a complaint, please
contact our office via email at alwin@winarifinance.au. They will
try to resolve all concerns quickly and fairly.
External Dispute Resolution
In the unlikely event we cannot resolve your complaint in a
satisfactory manner, or you have not received a response from us
after 30 days, you can escalate your complaint to the below
Ombudsman, a free and independent dispute resolution service
provider.
Australian Financial Complaints Authority (AFCA)
Free call number: 1800 931 678
A copy of AFCA’s dispute resolution policy is available at
Winari Creative Pty Ltd’s membership number is 123393.
You can check the information we hold about you at any time by
contacting our Privacy Officer.
Privacy Officer
Winari Creative Pty Ltd
Hornsby NSW 2077
Email: alwin@winarifinance.au
Overview - Privacy
Winari Creative Pty Ltd, ACN 674 307 905, (‘we’, ‘us’, ‘our’) collects
information about you for the purpose you agree to in this Privacy
Disclosure Statement and Consent. When you sign below, you
agree we can, consistently with Australia’s privacy and credit
reporting laws, collect, use and exchange credit and personal
information about you for those purposes.
We are collecting credit and personal information (information)
about you, as applicable:
To source for you, or a company of which you are a director:
● Consumer credit for personal, household, domestic or
residential investment purposes;
● Commercial credit for business purposes; or
● Other services stated in this Privacy Disclosure Statement
and Consent (Consent); or
● To support a guarantor application, you will provide.
As your broker, we require the information we collect from you to
assess your credit, or guarantor, application or the credit
application of a company of which you are a director, source a
suitable credit provider and any required insurances and to
manage the application process, where required. If you do not
provide the information sought, we may be unable to process your
application, or the company’s application, or we may be limited in
the other services we can offer you or the company.
Your information – Collection and Credit Reporting Body (‘CRB’)
Disclosures
When we collect information from you in the credit application
process, we use that information in a number of ways to assess
your credit application and to source a suitable credit provider or
lessor/or insurance provider.
● We may: Disclose your identification information to a CRB if
you wish us to obtain a report on your behalf.
● Use any information the CRB provides in that report to assist
us to preliminary assess your consumer credit or guarantor
application.
● Disclose your personal information to an insurer or insurers
to source any insurances you wish to obtain.
● Disclose your credit information to a credit provider to apply
for finance on your behalf.
The information we obtain from you is used, subject to compliance
with Australia’s privacy and credit reporting laws, only for the
purposes listed in this Consent and is not disclosed to any other
person except with your permission or as permitted, or required,
by law.
Credit Providers
As part of providing our services to you, we may undertake tasks
for a credit provider which is reasonably necessary to manage the
application process. When doing so, we are acting as an
intermediary for the credit provider, with the same privacy law
requirements applying to both of us.
We may submit your application to one or more credit providers.
Those credit providers and their website addresses are set out in
the Schedule at the end of this document.
A credit provider, to whom we submit an application, may disclose
information about you to, and collect information about you from,
from one or more CRBs.
The website of each credit provider contains details of each CRB
with which it deals, and the information held about you and
describes your key rights. This detail may be described on the
credit providers’ websites as ‘notifiable matters’, ‘privacy policy’,
‘credit reporting policy’ or privacy disclosure statement and
consent’, and includes –
● That the CRB may include information the credit provider
discloses about you to other credit providers to assess your
credit worthiness.
● That, if you become overdue in making consumer credit
payments you commit a serious credit infringement, the
credit provider may disclose that information to a CRB
● How you can obtain the credit providers and/or CRB’s
policies about managing your credit information
● Your right to access and/or correct information held about
you and to complain about conduct that may breach the
privacy and credit reporting laws
● Your right to request a CRB not to undertake pre-screening
for purposes of direct marketing by a credit provider
● Your right to request a CRB not to release information about
you if you believe you are a victim of fraud
This detail will also be included by the credit provider who
approves your application in the privacy disclosure statement and
consent document it will provide to you.
Each credit provider website includes information on how to
contact the credit provider and how to obtain a copy of its privacy
documents in a form that suits you (e.g. hardcopy or email).