CREDIT GUIDE
Speedle Pty Limited (“Speedle, we or us”) ACN 668 001 045, Australian Credit Licence 549307, of Salesforce Tower, Level 22, 180 George Street Sydney NSW 2000, has created this Credit Guide to help you decide whether to enter into a credit contract with us.
This guide contains important information about:
• our key obligations before providing credit to you.
• our complaints procedures and how you can access them.
Our responsible lending obligations
We are required by law to ensure that any credit we provide to you is not unsuitable. A credit contract or increase in credit limit will be unsuitable if:
• it is likely that you will be unable to comply with the financial obligations under the contract, or could only comply with substantial hardship; and/or
• the contract does not meet your requirements or objectives.
To determine whether the contract will be unsuitable, we will only take into consideration information regarding your financial situation, requirements or objectives, that, at the time of entering the contract we had reason to believe was true. We might also decline your application for other reasons.
To help us to make this assessment we will:
• make reasonable inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit you are applying for;
• take reasonable steps to verify your financial information; and
• use this information to determine whether the credit is unsuitable for you.
Getting a copy of the suitability assessment
You can ask us for a copy of the suitability assessment. We’re required to give you a copy of the assessment without charge within the following timeframes:
• before you enter the credit contract or increase the credit limit if you ask us to before this time;
• within seven business days if you ask us within two years of entering into the credit contract or increasing your credit limit;
• within 21 business days if you ask us more than two years after entering into the credit contract or increasing your credit limit.
We don’t have to provide you a copy of the assessment if the credit contract is not entered into or the credit limit is not increased.
Our internal dispute resolution process
If you have any feedback or complaints you can contact us via our contact details set out below. You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. We will try to resolve your complaint quickly and fairly.
Phone: 61 2 8365 2322
Email: complaints@speedle.com.au
Mail: Salesforce Tower, Level 22, 180 George Street Sydney NSW 2000
We’ll acknowledge receipt of your complaint within 2 business days, and we’ll try to resolve it within 5 business days. If the matter is more complex, it may take a longer time to resolve. In such cases, we’ll ensure we keep you informed of the progress of the matter throughout
Our external dispute resolution scheme
If you are not satisfied with our response or handling of your complaint, you can lodge a complaint with the free, independent external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). AFCA’s details are set out below.
Phone: 1800 931 678
Website: afca.org.au
Email: info@afca.org.au
Mail: GPO Box 3 Melbourne VIC 3001
Issued by Speedle Pty Limited – 15 January 2024
