Terms of Use

What this site is

This site provides general information about finance for people in or recently out of a Part IX debt agreement, and lets you make an enquiry about a vehicle or asset loan.

This website is not a lender and not a broker. It does not provide credit or credit assistance, it does not approve or decline anything, and it does not set interest rates. If you make an enquiry, your details are passed to Simple Loans Pty Ltd, an Authorised Credit Representative of Afas Group Pty Ltd, and any credit assistance is provided by them under that authorisation.

What this site is not

We are not a debt agreement administrator, a financial counselling service, or a credit repair service.

Nothing on this site is advice about entering into, varying, terminating or completing a debt agreement, and nothing on it should be relied on for that purpose. Those are debt management services requiring a credit licence authorisation we do not hold. If you need help with your agreement, contact your registered administrator or a free financial counsellor on 1800 007 007.

Nothing on this site is legal, tax or financial product advice. Where a guide mentions tax treatment, structures or your obligations, it is general information and you should confirm your own position with your accountant, your administrator, or the relevant authority.

No offer of credit, and no guarantee

Making an enquiry does not create any obligation on us or on any lender, and it is not an application for credit. No credit is offered or approved through this site.

We do not guarantee that you will be approved, that any particular lender will consider you, or that finance will be available at all. Any loan is subject to the lender's own credit criteria and to our responsible lending obligations.

We deliberately do not publish interest rates or repayment examples on this site, because the rate available in this segment depends entirely on the lender and your circumstances, and an indicative figure would be more misleading than helpful.

General information only

The content on this site, including the occupation guides, is general in nature. It does not take into account your objectives, financial situation or needs.

Lender policies described in the guides, such as how a particular kind of income is assessed, change without notice and vary between lenders. They are described to help you understand the landscape, not as a statement of what any specific lender will do for you.

Where we cite legislation or thresholds published by the Australian Financial Security Authority, we state the date the figures were current. AFSA reindexes those amounts twice a year and you should check the current figures at afsa.gov.au before relying on them.

Your responsibilities

You agree that the information you give us is true and complete to the best of your knowledge. Providing false information in connection with a credit application may be an offence and will, at minimum, result in a decline.

If you are in a debt agreement, you are responsible for complying with your own obligations under it, including any disclosure required under section 269 of the Bankruptcy Act 1966 before obtaining credit above the prescribed amount. We will raise this with you, but the obligation is yours.

You must be at least 18 years old and an Australian citizen or permanent resident to make an enquiry.

Third-party links

This site links to external resources, including AFSA and the National Debt Helpline. We provide those links because they are useful and independent. We do not control those sites and are not responsible for their content.

Intellectual property

The content of this site is owned by us or used under licence. You may read it, print it and share links to it. You may not reproduce it commercially without permission.

Liability

To the extent permitted by law, we are not liable for loss arising from your use of this site or reliance on its general information. Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.

Complaints

If something goes wrong, tell us first and we will try to resolve it. If you are not satisfied, you can take the matter to the Australian Financial Complaints Authority, which is free and independent.

Changes and governing law

We may update these terms. The version on this page at the time you use the site is the one that applies, and the last-updated date is shown above.

These terms are governed by the laws of Queensland, Australia.