Credit Guide

Cash Stop Financial Services Pty Ltd is the holder of an Australian Credit Licence pursuant to the National Consumer Credit Protection Act 2009 (Cth) (NCCPA) and is authorised to provide certain consumer credit activities to you.

Key Information

Scroll sideways to see the full table.

Our Obligations Before Providing Credit to You

Under the NCCPA, we must not enter into a credit contract with you, or increase the credit limit of a credit contract with you, if the contract is unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased:

• it is likely that you will be unable to comply with your financial obligations under the contract, or could only comply with substantial hardship; or
• the contract does not meet your requirements or objectives.

We must make an assessment whether the contract will be unsuitable for you before entering into a credit contract with you or increasing the limit of an existing credit contract.

To decide this, we will need to ask you some questions in order to assess whether the contract or credit limit increase is not unsuitable. The law requires us to:

• make reasonable inquiries about your requirements and objectives;
• make reasonable inquiries about your financial situation;
• take reasonable steps to verify that financial situation; and
• make reasonable inquiries about the maximum credit limit you require.

You can request a copy of our assessment. We must give you a copy (at no charge to you):

• before entering the credit contract or before the credit limit is increased, if you make the request before then;
• within 7 business days, if your request is made within 2 years of entering into the contract or the credit limit increase; and
• otherwise, within 21 business days.

We do not need to give you a copy of the assessment if your request is made more than 7 years after entering into the contract or the credit contract is not entered into or the credit limit is not increased.

Our Internal Dispute Resolution Scheme

We hope you are delighted with our services, but if you have any complaints you should notify us by contacting our Complaints Officer by:

• telephoning: (08) 9420 1401
• website: completing our feedback form at https://www.cashstop.com.au
• emailing: complaints@commitco.com.au
• writing to: Complaints Officer, Shop 2, 102 Queen Street, St Marys NSW 2760

or by speaking to any representative of our business who will refer you to the Complaints Officer.

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.

When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will avoid any unnecessary and inappropriate escalation of minor complaints.

Our External Dispute Resolution Scheme

If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution Scheme. Our external dispute resolution provider is the AFCA. Their contact details are:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Email: info@afca.org.au
Address: GPO Box 3, Melbourne VIC 3001
Website: www.afca.org.au

Cash Stop Financial Services Pty Ltd is a member of AFCA - member number 45392.

Questions?

If you have any questions about this credit guide or anything else about our services, just ask at any time. We are here to help you.

Contact Us

Cash Stop Financial Services Pty Ltd
Address: Shop 2, 102 Queen Street, St Marys NSW 2760
Call: 08 9420 1401
Email: stmarys@cashstop.com.au