CREDIT PROVIDER’S CREDIT GUIDE
As an intending borrower, we provide you with the following 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 name (being a Credit Provider): Loan Barn Pty Ltd, ABN 68 135 306 062
Licensee’s trading office: 3 Waterview St, Warana, Queensland, 4575
Telephone: 07 5313 4083
Postal address: PO Box 650, Mooloolaba, Qld 4557
Australian Credit Licence Number: 384030
Internal Dispute Resolution (IDR) Procedure:
Should you have a complaint or concern in regard to your credit contract, including any unforseen financial difficulty, in the first instance, please contact the Loan Barn’s IDR Manager. The Manager will be pleased to assist in resolving your complaint or concern. There is no charge for this service.
IDR Manager: Paul McLachlan
Phone: 07 5313 4083, Email: firstname.lastname@example.org
External Dispute Resolution (EDR) Procedure:
Following contact with the IDR Manager, if you are not satisfied with the outcome of the attention given to your complaint or concern, you may contact the Australian Financial Complaints Authority – (AFCA) with details of your complaint or concern. There is no charge for this service.
EDR Ombudsman: Australian Financial Complaints Authority – (AFCA) – Phone: 1800 931 678, or go to www.afca.org.au
Postal address: GPO Box 3, Melbourne, VIC, 3001
Suitability of the Loan
We are required to assess the suitability of the loan you have requested, under Sections 128, 129 and 133 of the National Consumer Credit Protection Act 2009. These Sections are concerned with whether or not the loan you seek is “unsuitable”.
Under Section 131, we are obliged to advise you that we will not participate in the arrangement of a loan for you, if that loan would be unsuitable and under Sections 128 and 133, we are obliged to refuse an increase in your credit limit if that would also be deemed unsuitable.
Suitability or unsuitability is assessed in accordance with the following criteria:
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, from time to time.
4. It involves us, as a Credit Provider, making enquiry about your financial circumstances.
5. According to whether or not we believe the information to be true.
In accordance with Section 132, if you are successful with your application and enter into a credit contract with us because the loan is not deemed unsuitable, you may request a copy of that assessment any time during the following 7 years. This will be provided at no charge to you.
If your copy is requested within 2 years, we will provide it within 7 days. If your request is received after the second year, we may take up to 21 days to provide you with a copy.
CREDIT INFORMATION (PRIVACY) MANAGEMENT POLICY
LOAN BARN PTY LTD (hereafter referred to as Loan Barn)
Australian Credit Licence No. 384030
This policy has been developed to appropriately acknowledge the importance of, and assist in providing a framework for, the appropriate level of protection for consumer identification and credit information protection. The policy represents Loan Barn Pty Ltd’s commitment to compliance with the privacy laws and privacy code obligations.
Concerning the collection, holding, use and disclosure of credit related personal information
We provide this policy in accordance with the Privacy Amendment (Enhancing Privacy Protection) Act 2012, hereafter referred to as the Privacy Act, detailing the lawful approach we take in the collection of information in our role as credit providers and in regard to the management and use of all information collected from our potential customers and actual customers, and all subsequent dealings with customer/consumer representatives, credit reporting bodies, and other entities listed in this policy.
In the course of our business, we provide consumer credit, as defined in Section 6(1) of the Privacy Act. This credit being provided wholly or primarily for personal, family, or household purposes. From time to time we may also offer business loans.
In the course of our business we seek to establish your credit worthiness. That means:
(a) your eligibility to be provided with credit;
(b) your history in relation to credit; and
(c) your capacity to repay an amount of credit.
The kinds of credit information we collect and hold
In accordance with the industry’s mandatory Credit Reporting Privacy Code, Obligation 5.1, we collect and hold credit reporting information, credit identification information, credit capacity information and personal information collected and held under Section 18 of the Privacy Act prior to 12 March 2014 and, thereafter, under PART 111A of the Privacy Act.
Where personal information concerning an overdue payment is held and, where information concerning this overdue payment is presented to a credit reporting body, the amount overdue will be a minimum of $150.
In accordance with Section 6 of the Privacy Act, we may collect and hold the following personal information that may be considered confidential:
1. identification information;
2. credit liability information;
3. repayment history information;
4. a statement that an information request has been made to a credit reporting body, by a credit provider, in relation to your application for credit;
5. the type of personal or commercial credit, and the amount of credit sought in an application that you have made to a credit provider, in connection with which that credit provider has made an information request concerning you;
6. overdue and default information concerning your current and/or previous personal and/or business loans;
7. payment information about you, including information concerning late payments;
8. information about new arrangements you may have made involving an existing credit contract;
9. court proceedings (civil) information about you;
10. personal insolvency information about you, as included on the National Personal Insolvency Index, which relates to bankruptcy, debt agreements, personal insolvency agreements and Sections 50 and/or 188 Bankruptcy Act directions and/or authorities;
11. insolvency information associated with your company or companies seeking loans;
12. publicly available information concerning your activities in Australia and your credit worthiness, including information recorded on the National Personal Insolvency Index;
13. any opinion that we might reach that you have committed a serious credit infringement in relation to consumer credit we have provided to you, with the circumstances specified on the file;
14. any opinion that we might reach that you have committed a serious credit infringement in relation to business or commercial credit we have provided to you, with the circumstances specified on the file; and
15. unsolicited information that we may deem relevant to keep on file.
Explanation of some of the key elements listed above is as follows.
Identification information about you
To assist in protecting you against identity theft and to assist in reducing the opportunity for fraud, we may ask you for some or all of the following identification information:
• your full name;
• any alias or previous name/s;
• date of birth;
• current address;
• 2 previous addresses (if any);
• name of current employer; or
• name of last known employer; and
• driver’s licence number.
To assist with business or commercial loan applications, we may ask you for:
• a copy of the company’s Constitution and associated documentation;
• a copy of documents identifying the company directors;
• financial statements; and
• other documents.
Consumer and business credit liability information
We collect and hold consumer and/or business credit liability information, including:
• the name of the credit provider;
• whether or not the credit provider holds an Australian Credit Licence;
• the type of consumer credit;
• the day on which the consumer credit was entered into;
• the terms or conditions of the consumer credit which relate to the repayment of that credit and anything that may be prescribed by regulation;
• the maximum amount available under the consumer credit; and
• the day on which the consumer credit is terminated, or otherwise ceases to be in force.
Repayment history information
If and when we provide consumer credit to you, the following information about you as a consumer may be collected and held:
• whether or not you have met monthly repayment obligations;
• the date on which the monthly payment is due and payable; and
• if you make payments after the due and payable day, the day on which you actually made the payment.
Overdue and Default information
We collect and hold information about any payment that is overdue and, under Section 88 of the National Credit Code, Regulation 86 of the National Consumer Credit Protection Regulations 2010 and Section 6Q of the Privacy Act, that:
• you are overdue in making the payment;
• you have received a written notice from us advising you of the overdue amount and requesting payment of the amount;
• the Statute of Limitations does not prevent us from recovering the amount; and
• where the amount overdue is $150 or more, it is sufficient to list on your file with a credit reporting body. Any amount will be listed on the file we maintain concerning your identification and credit information.
We may collect and hold information that is given or made against you in civil court proceedings that relate to any credit that has been provided to you, or for which you have applied.
How we collect credit information
We collect credit information from 6 possible sources:
1. from you;
2. from the documentation we request and you provide;
3. from credit reporting bodies;
4. from people or organisations you permit us to contact, to verify your credit relevant details;
5. from other credit providers;
6. from External Dispute Resolution schemes; and
7. from information about you publicly available, including court and tribunal reports and decisions.
Please note, depending on circumstances, we may choose not to seek information from all these sources to assess your credit application.
How we hold credit information securely
In all circumstances, we take reasonable steps to protect your information from misuse, loss, interference, unauthorised access, modification or unauthorised disclosure. We choose not to provide further detail, for security reasons. Further protection detail can be provided to you verbally, on request.
The kinds of credit eligibility information that we hold
This is credit reporting information and CP derived information about you that may be disclosed to us by a credit reporting body, under Division 2 of Part 111A of the Privacy Act.
How we hold credit eligibility information
Hard copies are held in a locked environment, with other security protection after business hours and electronic copies are held in a secure environment, with the application of appropriate passwords and other computer and software security techniques.
The credit reporting body
We provide information to and request information from Veda, a credit reporting body. If you have a need to contact that body, the contact details are:
Telephone: 1300 762 207
You may contact the body if:
(a) you believe that the information they have on their file about you needs amendment or correction; and/or
(b) you want the body to hold off disclosing any information from the their file about you because, on reasonable grounds, you believe that you have been, or are likely to be, a victim of fraud; and/or
(c) you do not want the body to use their credit reporting information for the purposes of pre-screening for direct marketing by a credit provider.
From time to time we may have notifiable matters we wish to communicate to you. A brief description of these notifiable matters, if any, and information on our credit reporting, is included on our website. At any time you may request a hard copy, or emailed copy, of the notifiable matters from time to time included on our website.
Transfer of information between us and Veda, the credit reporting body
This information transfer is permitted under Division 2 of Part 111A of the Privacy Act 2012. The information involved is the credit-related personal information that a credit reporting body may provide about you, to assist us to assess your credit worthiness. This information is relevant for use in establishing your eligibility for consumer credit.
Please note that the company may contract with Veda to have part or all of this information provided, from time to time, in accordance with company policy. This information has been provided to Veda by credit providers with whom you have had contact, and includes:
(a) information about you after you turned 18, except identification information;
(b) credit applied for and/or supplied in Australia;
(c) your repayment history; and
(d) any default information.
If we provide a loan to you and you fail to meet your repayment obligations, or commit a serious credit infringement, we may be entitled to disclose this to the credit reporting body and it will be included on the file they hold about you.
Transfer of information between us and ASIC or an External Dispute Resolution scheme
In accordance with our Australian Credit Licence conditions and a number of provisions in the Australian Securities and Investments, National Consumer Credit Protection and the Anti-Money Laundering and Counter Terrorism Finance (AUSTRAC) Acts, we may be required to give ASIC, AUSTRAC or the EDR scheme copies of all or some part of your information.
The purposes for which we collect, hold, use and disclose credit information and credit eligibility information
The consumer credit-related purposes for which we collect, hold, use and disclose information are:
1. to assess your application to us for consumer credit; and
2. to collect payments that are overdue in relation to consumer credit we may have provided you; and
3. to collect payments that are overdue in relation to consumer credit provided by another credit provider, under a credit contract that has been assigned to us by that other credit provider [in accordance with Sub-sections 6K(2) and (3)].
In accordance with section 21M, we will disclose relevant and permitted information to debt collectors.
Use of credit eligibility information
In accordance with Section 21G, we use credit eligibility information for the following purposes:
1. credit related purposes involving you; or
2. permitted reporting of information to a credit reporting body; or
3. in connection with what we reasonably believe is a serious credit infringement that you may have committed; or
4. for a use prescribed by a court, or tribunal, or regulations.
We will disclose this information to:
1. credit bodies;
2. a company related to us;
3. a person responsible for processing your credit application; or
4. a person who manages our credit contracts; or
5. another credit provider, if we reasonably believe that you have committed a serious credit infringement; or
6. the external dispute resolution scheme we subscribe to; or
7. as authorised under Australian law, regulation, court or tribunal.
In accordance with Section 21N of the Privacy Act, we may disclose information to an approved entity seeking participation in an assignment of your debt, or purchase of our business. Should the transaction proceed, you will be informed in writing, in accordance with Obligation 13 in the Credit Reporting Privacy Code and all our rights will be transferred to the acquirer, in accordance with Section 6K of the Privacy Act.
How you may access credit eligibility information that we hold about you
First contact the Privacy Compliance Manager on telephone: 07 5313 4083, or PO Box 650, Mooloolaba, Qld 4557, or email email@example.com.
In accordance with Section 21T and Code Obligation 19, at your request, we will:
(a) give you access to any credit information we hold about you;
(b) respond to your request within a reasonable period and provide the access within 30 days of your request;
(c) provide the information in a clear manner and provide reasonable explanations and summaries of the information, to assist you to understand the impact of the information; and
(d) deny access, only if such would be unlawful, required under Australian law, or by a court or tribunal, or would prejudice an official enforcement body investigation.
A fee of $15 will be charged for access to your information, to reflect company administration costs.
Following your successful request, access will be provided by the Privacy Compliance Manager, who will facilitate the provision of a print out of your information stored in the company’s Specialist Lending System. Any denial of access will be in writing, with the reason/s explained and details of the company’s internal disputes resolution process, relevant external resolution scheme and the Office of the Australian Information Commission, to which you may lodge a complaint if not satisfied with the company’s explanation.
How you may seek the correction of credit information and credit eligibility information that we hold
Once you have inspected the personal credit information we hold on file about you, you may inform our Privacy Compliance Manager if you have discovered any information that is inaccurate, out-of-date, incomplete, irrelevant or misleading.
The Privacy Compliance Manager will be pleased to amend the file within 30 days but, in most cases, will require appropriate evidence from you to support your request. Please note that, in the exercise of this correction duty, the Privacy Compliance Manager is lawfully entitled to consult with a credit reporting body and/or another credit provider. You, and any entity consulted in the process, will be informed in writing of any correction.
How you may complain about our failure to comply with this Division, or the relevant registered CR code
There are 3 ways you may complain:
1. Verbally, or in writing, to our Privacy Manager.
2. If you are not satisfied with the Privacy Manager’s response, you can complain verbally or in writing to our Internal Disputes Resolution Manager.
3. If you are not satisfied with the Internal Disputes Manager’s response you can lodge a complaint either with the Privacy Commissioner, at the Office of the Australian Information Commission, contact details –
Office of the Australian Information Commission
GPO Box 5218
Sydney NSW 2001
Phone: 02 9284 9753
Enquiries: 1300 363 992
Website: www.oaic.gov.au OR
With the external disputes resolution scheme of which we are a member, contact details:
Australian Financial Complaints Authority – (AFCA)
Phone: 1800 931 678
Postal address: GPO Box 3, Melbourne, VIC, 3001
There is no charge for lodging a complaint.
How we will deal with such a complaint
We will write to you acknowledging receipt of the complaint. After appropriate investigation, the Privacy Manager will write to you as soon as practicable after a decision has been reached, outlining the decision and the reasons for reaching it.
We do not disclose credit information, or credit eligibility information, to entities that do not have an Australian link.
Privacy Consent Agreement
YOUR PRIVACY AND THE PROVISION OF CREDIT
LOAN BARN PTY LTD (Hereafter referred to as Loan Barn)
Australian Credit Licence No. 384030
There are 4 SECTIONS included in this form are part of a credit application and loan suitability assessment process and may also apply to the consequent loan administration and/or collection facilitation.
Please read each Section carefully.
PRIVACY CONSENT AGREEMENT
By Consenting to this section you consent to Loan Barn and other entities, including Kawana Pawnbrokers Pty Ltd, t/as Suncoast Loans, and those listed below collecting, holding, using, disclosing and exchanging personal identification and credit information about you. If you do not provide us with this consent, we will be unable to provide you with a loan. For more detail, read the company’s Credit Information (Privacy) Management Policy available on our website at www.loanbarn.com.au or, on request, via printed copy. This policy contains detailed information concerning the company’s management and use of your information.
The Commonwealth Privacy Act 1988, as amended, the Commonwealth Privacy Regulations 2013, and the Privacy (Credit Reporting) Code 2014 empower and regulate Loan Barn in accordance with the following.
Use of your Information – Australian Privacy Principle 6
In accordance with Sections 21G, 21H, 21J and 21 M of the Privacy Act, Loan Barn collects and holds your personal identification and credit information only for the following purposes:
• to verify your identity and other information provided;
• to assess any application you make for funds;
• to assess your financial circumstances;
• to help us process your application for funds in an efficient manner;
• to avoid the chance you may default on your payment obligations;
• to notify you of a default;
• to notify other credit providers of a default;
• to facilitate the collection of overdue payments; and
• efficiently manage and administer the loans and any services we provide to you.
This information can include any information about your credit worthiness, credit standing, credit history, or credit capacity that you, other credit providers and credit reporting bodies and their authorised agents are allowed to provide to Loan Barn under the Privacy Act and/or Credit Reporting Privacy Code. It may also include information provided by referees, relatives, real estate agents and employers listed on your loan application.
By agreeing to this Section, you authorise Loan Barn to contact your bank, real estate agent, landlord, payroll officer and employer (past and present), plus referees and third parties listed in the credit application/assessment form, to provide any and all permitted relevant information they may have regarding you, including tenancy or employment history and bank account and other financial details.
Loan Barn may ask you for documents, including one or more of the following:
• 90 days of bank statements, to date of application;
• driver’s licence;
• Centrelink income statements;
• employment payslips;
• bills and invoices, showing current address and payment information;
• bank cards;
• birth certificate;
• proof of age cards; and the like.
This information is only accessed, as required, by Loan Barn employees, representatives, professional advisers, contractors and other service providers, to facilitate the above purposes. Loan Barn will not sell, rent or trade your personal information.
Loan Barn reasonably assumes that any referral to third parties that you may nominate, in order that Loan Barn may obtain or verify your personal and other information, will have been with the agreement and knowledge of the third parties involved and that you will have made them aware of the purposes and use of such information, prior to Loan Barn contacting them.
Information disclosure to a credit reporting body
In accordance with Section 21D of the Privacy Act, Loan Barn has chosen to continue with the lawful negative credit reporting (privacy) regime. By consenting to this section, you specifically agree that the company may provide information to Veda, a credit reporting body. This disclosure will be for the following purposes only:
• to obtain identity verification information;
• to obtain a consumer credit report about you, and/or
• to allow the credit reporting body to create or maintain a credit information file, containing information about you.
Your identity verification
Loan Barn may verify your identity by attempting to match information you have provided with that held by a verification company and/or a credit reporting body. This task may involve the disclosure of your name, date of birth and address, to verify whether or not the personal identity information you have provided to Loan Barn matches information held by that third party.
If we are unable to verify your identity by the above means, the company will inform you, so that you might contact the verification company or credit reporting body to update your information they hold, or you may ask Loan Barn to attempt to verify your identity by alternate means.
Information disclosed to one or more credit reporting bodies
The information disclosed to the credit reporting body is limited to (if applicable):
• identity particulars – your name, sex, address (and previous two addresses), date of birth, name of employer and driver’s licence number;
• your application for funds – the fact that you have applied for funds and the amount;
• the fact that Loan Barn is a current credit provider to you;
• the fact that your loan has incurred overdue account status;
• the fact that your loan has incurred default status; and
• information that, in the reasonable opinion of Loan Barn, you have committed a serious credit infringement (i.e. you have been fraudulent, or indicated an unwillingness to repay your loan).
Information disclosure to other entities
Under Part 111A of the Privacy Act, Loan Barn may disclose your personal information to:
• other credit providers;
• our external service providers and their agents who provide business services to us, on a confidential basis, only for the purpose of our business;
• the Australian Financial Complaints Authority – (AFCA), to which a complaint relating to a particular service we provide to you can be referred. Phone: 1800 931 678, or go to www.afca.org.au ;
• any court or tribunal as may be required by law.
Loan Barn may provide limited permitted information to real estate agents, employers, referees and other third party entities that you may have listed in the application/assessment form associated with your application for a loan, for identity and/or credit information verification purposes.
The names and contact details of the other credit providers with whom we have shared information, if any, will be provided on request, as they vary from time to time and for the particular consumer.
Period to which this understanding applies
The information may be collected or disclosed before, during, or after the term of the provision of funds.
Information disclosure in the event of a default of your payment obligations
In the event of the creation of an overdue account and/or default of the payment conditions entered into in with Loan Barn, any information you have provided may be made available to personnel employed by solicitors and/or debt collection agencies authorised by Loan Barn to assist in the process of recovery of the funds advanced, plus all associated fees and charges (if any) and all relevant legal and reasonable administrative costs incurred.
Access to your personal information
You may access your personal identification and credit information and request changes where relevant. You can apply to Loan Barn to obtain access to your personal information by contacting the Privacy Compliance Manager on telephone (07) 53134083, or email firstname.lastname@example.org
You can also apply to access the personal information Veda holds about you. They may be contacted on telephone: 1300 762 207, or via their website at www.mycreditfile.com.au.
Concerns and complaints
If you have any privacy management concerns during the application process and/or loan term, please contact Loan Barn’s Privacy Compliance Manager. You also have a right to ask the relevant credit reporting body not to use your information for pre-screening credit offers and/or not to use your information, if you believe that you have been a victim of fraud.
Commercial credit Information
In order to assess an application for commercial funds, Loan Barn may obtain a report containing information about your commercial credit activities and/or credit worthiness from a credit reporting body. To the extent that any of this information could be regarded as personal, the provisions outlined in this section, in regard to personal information, apply.
Information Disclosure and Communications Under the SPAM Act 2003
You are informed that Section 16 of the Spam Act provides that Loan Barn cannot communicate with you via a “commercial electronic message” (email, fax, SMS) without your consent. As you would expect, for speed and convenience, where possible and with your permission, Loan Barn would prefer to communicate with you using such electronic means.
Without your permission, written communications will have to be conveyed by Australia Post.
The Electronic Transactions Act 1999
You are informed that the Electronic Transactions Act requires that, before Loan Barn can communicate with you electronically (email, fax, SMS), you also have to give permission under that Act for Loan Barn to communicate with you in that way.
We seek your permission to:
1. electronically format and send you the information that we are obliged to provide under the National Consumer Credit Protection Act 2009 and associated Regulations;
2. send you electronic messages, rather than providing paper copies.
You are informed that, in giving this permission, you are agreeing to:
(a) use the relevant computer programs and have sufficient internet capacity to interact with Loan Barn’ system;
(b) regularly check your email Inbox and/or fax machine and/or SMS Inbox; and
(c) notify Loan Barn of any changes to your electronic addresses, and absolve Loan Barn from any liability if you fail to do so.
We remind you that you can withdraw your permission for the above at any time, provided you give Loan Barn 24 hours’ notice, confirming your current address and contact details.
Information Disclosure Under the Commonwealth Anti-Money Laundering and Counter-Terrorism Legislation
You are informed that, under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act), there are provisions for the use of credit reporting information to assist in identity verification. By consenting to this section, you attest that Loan Barn has informed you of the following statutory provisions.
Under Section 35A (1), this can include the electronic provision of your name and/or address and/or date of birth, as you may have provided to us, to a credit reporting body. This information can and frequently has to be provided to credit reporting bodies by Loan Barn, for a matching process entailing comparison with personal information about you they already have on their files.
If there is no satisfactory match found and/or the level of verification which we must seek, as part of both our AML/CTF responsibilities and our mandatory credit unsuitability/suitability assessment process under the National Consumer Credit Protection Act 2009 and associated Regulations, is not achieved, we must give you the opportunity to verify your identity by alternative means.
In these circumstances, if you choose not to attempt to verify your identity by contacting the credit reporting body yourself, or by alternative means, or your contact with the credit reporting body is unsuccessful, or we determine that the alternative has failed to provide adequate identity verification, we cannot give you a loan. To do so would threaten our Australian Credit Licence.
Please note that we have to keep a record for 7 years, regarding which credit reporting body we contacted, the personal information we provided and the assessment with which we were supplied.
Dispute Resolution Policy
Loan Barn is committed to resolving complaints quickly, fairly and honestly.In accordance with the good business practices adopted by Loan Barn and under our Australian Credit Licence conditions, in the unlikely event of a consumer having a concern or complaint, Loan Barn has a policy of allowing customers easy access to management and a friendly, efficient and fast approach to solving concerns and complaints.
You start by talking to the Loan Barn representative with whom you have been dealing. If you need to go further, we have an Internal Dispute Resolution process, with a policy to make every reasonable effort to resolve an issue on the day it comes to the specially trained Internal Dispute Resolution Manager’s attention, or as soon as possible thereafter.
Please contact us immediately if you have a concern regarding our products or services.
Loan Barns Contact details:-
Phone: 07 5313 4083 (Mon –Fri 9.00AM – 5.00PM AEST)
In the very, very unlikely event that you may want to go even further, Loan Barn belongs to an External Dispute Resolution scheme. This scheme can be contacted at:
Australian Financial Complaints Authority – (AFCA)
Phone: 1800 931 678
Postal address: GPO Box 3, Melbourne, VIC, 3001.
Always remember, if a customer has a concern or complaint, Loan Barn want to resolve the issue as quickly as possible. We respect and value our many customers and our business grows because our customers like the services we provide and like getting their loans from us. We want to retain that reputation. To obtain the best outcome with the least hassle, bring up your issue with the Loan Barn representative you have been dealing with as soon as you can, so your worries can be dealt with quickly.
Warning About Borrowing
WARNING – Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
• For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
• Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
• If you are on government benefits, ask if you can receive an advance from Centrelink. www.humanservices.gov.au/advancerepayments
• The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
Website Terms & Conditions
• This site is offered in the English language. The information, and the products and services that are made available through this website, are intended only for residents of Australia. The information and materials on this website are subject to change, or termination without prior notice.
• Loan Barn assumes no liability for the security of this site or your communications with the site. It is strictly prohibited to link third party websites with this site without Loan Barns prior written permission. We may permit some links from third party websites to this site, or otherwise include links to third party websites on this site, but Loan Barn takes no responsibility for, and excludes any and all liability associated with, such third party websites to which it is linked or for material posted to this site by anyone other than Loan Barn. We regularly review our website security measures, and take reasonable efforts to ensure that the most up-to-date encryption methods are used. However, we cannot guarantee that information that you transmit over the internet is entirely secure. When you submit information via this website, you accept that you do so at your own risk. We take all reasonable care to ensure that information that is received by us is secure in our systems, and we encrypt the data prior to transmitting it via the internet to third parties. However, we can never guarantee that the information received is secure. We do not guarantee that this website is virus free, or that access to this website will be free from interruption. By using this website, you accept that you do so at your own risk and you agree to provide true, accurate, current and complete information about yourself and any accounts that you hold or maintain elsewhere and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
• This website contains general information about our products and services. This information does not, unless we state otherwise, constitute an offer or inducement to enter into a credit contract, nor form part of any terms and conditions of any products or services offered
• It is strictly prohibited to use or contact this site to disrupt or damage the site, its contents or its security measures or to harass or disparage Loan Barn, its respective products or services or personnel. No unsolicited email (spam) may be directed to or through this site.
• While we have taken all reasonable steps to ensure that the information contained in this website is accurate and complete, we do not warrant that the information is free from error or omission. We do not warrant that the quality of the products or services made available on this website will meet your expectations.
• To the extent permitted by law, this site is offered without warranties of any kind and Loan Barn disclaims any implied warranties of merchantability and fitness for a specific purpose as well as title or non-infringement. We are not responsible for timeliness, accuracy, unavailability or interruptions in availability, viruses or other defects in the site or its contents. In no event shall Loan Barn be liable for any loss or damages suffered by users (whether to their computer systems or otherwise) or third parties, as a result of or in connection with accessing this site, even if Loan Barn has been informed of the possibility of such damage and without regard to negligence.
• Copyright in all material (including any compilation) on this site is owned by, or licenced to, Loan Barn Pty Ltd.Except to the extent prescribed by the Copyright Act 1968 (Cth). You are prohibited from reproducing, creating links to, framing, uploading to a third party or storing or transmitting any part of this website. All trade names, trademarks, service marks, logos and trade styles on this site are owned by Loan Barn Pty Ltd. Proper use is limited to use in connection with the products and services of the mark owner and its subsidiaries and no other use is permitted without the owner’s prior written permission
• Use of this site is subject to these terms and conditions which you as user accept by contacting and using this site. Loan Barn reserves the right to revise and update these terms and conditions at any time, effective on the date of posting to the site of the revised or updated terms and conditions.