Although Pocket Cash is not a lender, as an intending borrower, herewith the PocketCash Finance Credit Guide, which must be provided to you in writing in accordance with Section 126 of the National Consumer Credit Protection Act 2009.

Licensee’s details:

Pocket Cash

ABN 15 625 489 161,

46 Douglas Street, Milton QLD 4064

PO Box 370, Indooroopilly QLD 4068

Email: hello@pocketcash.com.au

Australian credit licence 507797

Licensee’s procedure for resolving disputes:

In the event of any complaint, dispute or hardship issue, please first contact our Internal Dispute Resolution department on the contact details below. All disputes or hardship complaints to our IDR department are treated seriously and promptly and this service is offered at no charge to you.

Internal Dispute Resolution Contact Details:

Dispute Resolution Manager, PO Box 370, Indooroopilly QLD 4068; Ph: 1300 189 823; Email: hello@pocketcash.com.au

External Dispute Resolution procedure:

In the unlikely event that your complaint or dispute is not settled with our IDR department to your satisfaction, you may then contact our External Dispute Resolution organisation as set out below.

External Dispute Resolution (EDR) Contact Details:

Australian Financial Complaints Authority

Phone: 1800 931 678

Email: info@afca.org.au

Hours: 9:00am–5:00pm AEST/AEDT weekdays

If the matter relates to privacy, you may take the matter up with the Privacy Commissioner.

The contact details for the Privacy Commissioner, in the Office of the Australian Information Commissioner, are as follows:

Privacy Commissioner

Phone: 1300 363 992

Fax: 02 9284 9666

Mail: GPO Box 5218, Sydney NSW 2001

E-Mail: enquiries@oaic.gov.au

Website: www.privacy.gov.au

A copy of our final assessment of your loan application is available for you on your request (in accordance with Section 132, National Consumer Credit Protection Act 2009). This will be provided at no charge to you.

Recommendation of contract unsuitability details:

• Under Sections 128 and 129 of the National Consumer Credit Protection Act 2009, we are obliged to assess if the credit contract you seek is not unsuitable.
• Under Section 131, we are obliged to advise you if we cannot participate in the arrangement of a loan for you, if that loan would be unsuitable, “unsuitability” being assessed on the following:
  1. Whether or not you will be able to comply with the financial obligations under the contract without substantial hardship, if at all;
  2. Whether or not the contract will meet your requirements and objectives;
  3. Whether or not the contract meets requirements imposed by regulation, as amended from time to time;
  4. It involves us, as a credit provider, making enquiries about your financial circumstances;
  5. According to whether or not we believe the information to be true.

  This process involves us, as a credit provider, making enquiries about your financial circumstances and assessing whether or not the information available is accurate.

Fees and Charges

Pocket Cash is a lender-finding service and, as such, does not charge consumers any fees.

Privacy

Under the Commonwealth Privacy Act 1988 (as amended), including Sections 6N, 18E and 21C, Pocket Cash is encouraged to collect more information concerning consumers, their credit history and current circumstances than ever before. If you proceed with your loan application, please read carefully, the Pocket Cash Privacy Policy and the contract documents which Pocket Cash will give you.

Should you successfully proceed with your loan application and there is ever an issue concerning privacy, please request a copy of Pocket Cash Credit Information (Privacy) Management Policy. This policy details your rights and the procedures to be followed to address your concerns.

General Advice

If you proceed with your loan application, you will be provided with extensive documentation. Please do not get annoyed with Pocket Cash. The Federal Government, fully supported by the Opposition, has made several laws and regulation insisting on all this documentation.

When you receive the documentation, please remember that the Government and the Opposition expect you to read every word and ask all questions you might have of Pocket Cash, to ensure you fully understand what all the documents say and mean.

When you sign your contract – it will be legally stated and assumed by Pocket Cash that you have read everything and that you will have completely understood everything.

If you do not, please do not sign the contract offered. Once you sign the contract, it is legally binding on you.