Responsible Lending Information
Information about responsible lending obligations, ensuring that the credit provided is suitable for the consumer’s needs and financial situation.

Responsible Lending Obligations
As an authorised credit representative, I am committed to meeting responsible lending obligations by ensuring that any credit product recommended to a consumer is suitable for their financial situation and objectives. This involves: 

• Making reasonable inquiries into the consumer & financial situation, needs and objectives.
• Verifying the consumer & financial situation where necessary.
• Assessing whether the proposed credit contract or consumer lease is not unsuitable for the consumer. 

By providing these services, I aim to help consumers make informed decisions about their credit options and ensure that they receive credit products that are appropriate for their needs and circumstances.

Scope of Authorisation
As an authorised credit representative of Australian Credit licence No. 389527, I am authorised to engage in the following types of credit activities under the National Consumer Credit Protection Act 2009 (NCCP Act): 

• Providing Credit Assistance
  Assisting consumers in applying for, varying, or remaining in credit contracts or consumer leases with credit providers or lessors.
• Acting as an Intermediary
  Acting as an intermediary between consumers and credit providers to facilitate the application, variation, or ongoing management of credit contracts.
• Credit Assessment and Recommendation
  Conducting assessments to determine the suitability of credit products for consumers based on their financial situation, needs and objectives.
  Providing recommendations on credit products that meet the consumer & requirements and are not unsuitable.
• Referring Consumers to Credit Providers
  Referring consumers to credit providers with whom we have agreements in place and assisting them in understanding and completing the required documentation.
• Providing Information and Advice Offering information and general advice about credit products, features and options available in the market.

Specific Authorised Activities 

• Personal Loans
• Assisting with personal loan applications, including unsecured and secured personal loans.
• Car and Asset Finance
• Facilitating applications for car loans and other asset finance products, including novated leases and chattel mortgages.
• Consumer Leases
• Assisting with consumer lease agreements, ensuring compliance with consumer protection regulations.