Credit Guide & Privacy Consent

Under the National Consumer Credit Protection Act 2009 (NCCP Act) we are required to provide you with a Credit Guide and Quote as soon as practicable after it becomes apparent that we are likely to provide credit assistance.

The Credit Guide and Quote outline:
 • the services we provide
 • our obligations under the NCCP Act to ensure credit is not unsuitable for your circumstances
 • the maximum fees and charges payable by you
 • commissions we may receive from credit providers
 • any fees that may be payable by Elev8 Finance Group Pty Ltd to third party referrers

Our Accreditation & Memberships
Elev8 Finance Group Pty Ltd is an accredited finance brokerage and a member of the following industry bodies:
 • Australian Financial Complaints Authority AFCA providing free and independent external dispute resolution services for our clients
 • Finance Brokers Association of Australia FBAA ensuring high professional ethical and education standards within the finance industry
These memberships demonstrate our commitment to ethical conduct professional standards and protecting our clients’ interests.

Services We Provide
Our credit assistance services include but are not limited to:
 • obtaining further information from relevant parties such as employers accountants and credit reporting bodies
 • researching and identifying suitable loan options aligned with your objectives
 • assessing verifying and documenting information to ensure the recommended credit is not unsuitable
 • assisting you with completing applications and compiling required documentation
 • submitting applications to credit providers and liaising during the approval process
 • assisting with the finalisation and settlement of approved loans

Our Obligations to Ensure Credit Is Not Unsuitable
To determine whether a credit contract is not unsuitable we are legally required to:
 • make reasonable enquiries about your requirements and objectives
 • make reasonable enquiries about your financial situation
 • take reasonable steps to verify the information provided
If at the time of assessment there is evidence that:
 • you cannot meet repayment obligations without substantial hardship
 • the credit does not meet your stated objectives
 • the credit is otherwise inappropriate
then the credit will be deemed unsuitable and will not be recommended.
We will complete a Preliminary Assessment of your requirements and financial position and retain this for seven years. You may request a copy during this period.

Commission Paid by Credit Providers
Elev8 Finance Group Pty Ltd and or its directors employees or credit representatives may receive commissions from credit providers when credit assistance is provided.

Commissions Paid to Third Party Referrers
You may have been referred to us by a third party. In some cases we may pay a referral fee or commission to that party.
Referrers may include but are not limited to:
 • car dealerships
 • accountants
 • mortgage brokers
 • real estate agents
 • financial advisers

Consent and Acknowledgement
By signing this document submitting an enquiry e signing emailing acceptance or providing requested supporting documentation you:
 • accept the quoted fee for credit assistance
 • appoint Elev8 Finance Group Pty Ltd to provide credit assistance and arrange credit on your behalf
 • authorise us to collect use and disclose personal and credit information in accordance with our Privacy Policy
 • acknowledge receipt of this Credit Guide

If You Have a Complaint
Internal Dispute Resolution
We are committed to resolving complaints promptly and fairly.
If you have a complaint please contact us at:
 Email: admin@elev8financegroup.com.au
We will acknowledge and investigate your complaint as soon as practicable.

External Dispute Resolution
If your complaint is not resolved to your satisfaction or if you have not received a response within forty five days you may escalate the matter to:
Australian Financial Complaints Authority AFCA
 Free call: 1800 931 678
 Website: www.afca.org.au

Privacy Overview
Elev8 Finance Group Pty Ltd we us our collects personal and credit information in accordance with Australian privacy and credit reporting laws.
We collect this information to source and arrange:
 • consumer credit for personal household domestic or residential investment purposes
 • commercial credit for business purposes
 • other services outlined in our Privacy Policy
This may also include information required to support guarantor applications.

Your Rights
You have the right to:
 • access the personal and credit information we hold about you
 • request corrections if information is inaccurate
 • obtain a copy of our Privacy Policy and this document
 • request that credit reporting bodies do not use your information for direct marketing or pre screening
 • access information held about you by a credit reporting body
Requests can be made by contacting our Privacy Officer.

Contact Information
Elev8 Finance Group Pty Ltd
 AFCA Member | FBAA Member
 Australia
 Email: admin@elev8financegroup.com.au