ABN: 30 165 742 996 | ACL: 448050 | PO Box 829 Moffat Beach Qld 4551 | Phone 07 3324 8681 | Fax 07 3398 7423
A Credit Quote sets out important information about the credit assistance and other services that we provide as a broker.
We are required to provide this Credit Quote to you, and receive your signed acceptance, before we provide any credit assistance to you.
We provide credit assistance when we:
You have requested that we provide you with the credit assistance and other services. The maximum fee payable to Ask 4 Enterprises Pty Ltd for this service $990 (including GST). This is a one-off fee. The maximum fees and charges that will be payable by the licensee to another person on your behalf is unacertainable at this point.
The actual amount will be confirmed in the credit proposal we present to you prior to your acceptance of the credit we have obtained. This fee will be payable at the time the funds are released by the credit provider.
Should you have any questions about the information contained in this Credit Quote, please contact our office on 07 3324 8681.
To receive credit assistance you simply need to sign below. In doing this you are acknowledging and accepting the maximum fees, charges and commission associated with us providing you with credit assistance. A fully signed copy of this quote will be returned to you for your records.
Once you have accepted our Credit Quote we will conduct a preliminary assessment. This will enable us to determine if there is a suitable loan for you. If there is a suitable loan for you we will prepare a credit proposal for you to review prior to completing any transaction. The credit proposal will contain information on the finalised fees, charges and commissions payable for the credit assistance.
If you would like a copy of our Credit Quote please email a request to info@ask4finance.com.au or alternatively call our office on 07 3324 8681 to request a copy.
ABN: 30 165 742 996 | ACL: 448050 | PO Box 829 Moffat Beach Qld 4551 | Phone 07 3324 8681 | Fax 07 3398 7423
A Credit Guide sets out important information about the services that we provide as a licensee broker, any fees and commission payable to us, our responsible lending obligations and our internal and external dispute resolution procedures and how you can access them.
We are required to provide this Credit Guide to you as soon as practicable after it becomes apparent that we are likely to provide credit assistance to you.
We provide credit assistance when we:
We source credit products from a limited number of banks, lenders and other credit providers. At present, we can write loans with the following banks, lenders and other credit providers:
The actual fee depends on the extent of work we need to undertake on your behalf but will not exceed $880 (including GST). The actual amount will be confirmed in the credit proposal we present to you prior to your acceptance of the credit we have obtained. This fee will be payable at the time the funds are released by the credit provider. No fee is charged if you do not accept the credit proposal.
We will provide you with a credit quote containing details of our fees and any payments made to us by credit providers before we provide you with credit assistance.
Before we provide you with credit assistance, we are required to complete a Preliminary Assessment. This preliminary assessment makes enquiries about:
We may also request documentation in order to verify the information contained in the preliminary assessment, such as pay slips, letter of employment and bank statements.
We maintain a record of your personal profile including details gathered as part of our preliminary assessment.
You are entitled to request a copy of our Preliminary Assessment, and we must give you a copy if requested. There is no charge for requesting or receiving a copy of the Preliminary Assessment:
We are committed to implementing and promoting a privacy policy, which will ensure the privacy and security of your personal information.
When we provide you with credit assistance, we (or our directors, employees and authorised credit representatives) receive commissions from the credit providers involved. We may receive the following commissions when we provide credit assistance to you:
We can provide, on request, a reasonable estimate of the commission, fees and benefits and how they are calculated.
We may pay a referral fee to people or organisations that refer clients to us who receive credit assistance from Ask 4 Enterprises Pty Ltd. All amounts paid to the referrer are from Ask 4 Enterprises Pty Ltd.’s share of the commission and benefits. You won’t pay any additional amount if we pay a referral fee. A referral fee is only paid to the referrer by Ask 4 Enterprises Pty Ltd on settlement of a loan. We can provide, on request, a reasonable estimate of the commission and how it is calculated.
By law, we must not provide you with credit assistance if the credit contract is unsuitable for you. If unsuitable, we cannot:
A credit contract will be unsuitable if:
We want to ensure that the credit products you select with us are not unsuitable for your needs. Because of this, it is important that you openly and honestly discuss with us your requirements, objectives, preferences, financial situation and repayment capacity.
If you have a complaint or concern about the service provided to you by the licensee, please contact their Complaints Resolution Manager. As part of the Internal Dispute Resolution policy they will investigate the matter and endeavour to address it as quickly as possible.
PO Box 829 Moffat Beach, Qld, 4551.
Phone: 07 3324 8681
Email: info@ask4finance.com.au
Our aim is to completely resolve any issues you raise. If, despite our best efforts, you believe your complaint has not been satisfactorily dealt with you can refer your complaint to an independent External Dispute Resolution Scheme. We belong to the following external, independent dispute resolution scheme, which can be contacted as follows:
Case Management Team
C/- Credit & Investment Ombudsman Service
PO Box A252 SYDNEY SOUTH NSW 2135
Phone: 1800 138 422 Fax: (02) 9273 8440 Web: www.cio.org.au
A copy of CIO’s dispute resolution policy is available at www.cio.org.au or by request to Ask 4 Enterprises Pty Ltd.
