About this credit guide

As a licenced credit provider, we are required to give you a Credit Guide as soon as practicable after it becomes apparent to us that a lease is likely to be entered into. This credit guide has information about us and:

our responsible lending obligations under the National Consumer Credit Protection Act; and
what you can do if you have a complaint.

Lease contract must not be unsuitable for you

Under the National Consumer Credit Protection Act, we must not enter into a lease 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 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 will not meet your requirements or objectives.

We must make an assessment of whether the contract will be unsuitable for you before entering into a contract with you. You can request a copy of our assessment from the General Manager of Compliance (at no charge to you):

before entering the lease contract, if you make the request before then;
within 7 business days, if your request is made within 2 years of entering into the contract; 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 limit increase; or
the credit contract is not entered into or the credit limit is not increased.

Dispute resolution procedures

Wherever possible we will seek to settle your complaint through our complaint procedure.