Capfin

Terms

Small Loan Terms

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Medium Loan Terms

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Website Terms & Conditions

Due to the nature of electronic communication processes, Capfin does not guarantee or warrant the site will be uninterrupted, without delay, error-free or free of viruses. Therefore the information and process are provided ‚“as is”, without warranties of any kind, express or implied, including accuracy, timeliness and completeness.

In no circumstances will Capfin be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profit or otherwise arising out of or in connection with the use of this website.

Material on this site may not be modified, reproduced, publicly displayed, distributed or used for any public or commercial purposes without the express written permission of Capfin.

The Capfin logo is a registered trademark therefore use of this trademark requires express permission from Capfin. Unauthorised use of this trademark will be prosecuted to the fullest extent of the law.

Dispute resolution policy

Capfin is committed to providing fair and prompt resolution of customer disputes and complaints as they arise. In order to continually improve our service to customers please contact our Complaints Contact Person at Capfin immediately if you have a dispute or complaint.

When you lodge a complaint with us you will receive an acknowledgement so that you will know that we have received and will attend to your complaint. The Complaints Contact Person will assist you with handling the complaint and will advise if any further information is needed. The Complaints Contact Person will liaise with managers and staff at Capfin to ensure a fast resolution and you will be informed of our decision and the reasons for that decision. If you are not satisfied with our decision regarding your complaint you may wish to contact Credit Ombudsman Service Limited. Unless there are exceptional circumstances, we will in all instances respond to your complaint within 45 days of receipt of your complaint.

If we are unable to resolve the complaint within 45 days we will:

  • Inform you of the reasons for the delay;
  • Advise you of a date by when a decision can be expected; and
  • Notify you of your right to contact Credit Ombudsman Service Limited

All complaints will be processed at no charge to you.

Credit Ombudsman Service Limited may be contacted as follows:

Telephone:

(02) 9273 8400

Fax:

(02) 9261 2798

Email:

info@cosl.com.au

Address:

Level 7, 287 Elizabeth Street
Sydney NSW 2000

Mailing Address:

PO Box A252
Sydney South NSW 1235

Website:

www.cosl.com.au

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 for an advance payment from Centrelink: www.humanservices.gov.au/advancepayments

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.

Contact Details:

Fundco Pty Ltd ACN No: 132 650 250 trading as Capfin
4/29 Crombie Avenue, Bundall, Q. 4217, PO Box 5332, Gold Coast Mail Centre, Q. 9726
Email: info@capfindirect.com.au
Telephone: 1300 776 863
Fax: 5570 6934
Australian Credit Licence Number: 385579

Complaints and Disputes:

  1. If you have a complaint or dispute with Capfin, please use our internal dispute resolution procedure by contacting our Internal Dispute Resolution Manager, Mr Wade Doblo on telephone 1300 776 863 or email complaints@capfindirect.com.au or alternatively by post to the above address.
  2. If you are not satisfied with the outcome of our internal dispute resolution process, you may contact our independent external dispute resolution scheme which is: Credit and Investment Ombudsman Service Limited Tel: 1800 138 422 (9:00 am – 5:00 pm, Monday to Friday, Sydney time) Fax: 02 9273 8440 Address: PO Box A252, Sydney South, NSW 1235 www.cio.org.au

Responsible Lending Obligations

We are required by law to:

  1. Make reasonable inquiries about:
    ​• your requirements and objectives in relation to your credit contract with us; and
    • your financial situation.
  2. Take reasonable steps to verify your financial situation.
  3. Assess whether any credit contract with us is unsuitable for you.
  4. Not provide you with credit which is unsuitable. A credit contract is unsuitable if you cannot comply with its obligations without substantial hardship.

Copy of Suitability Assessment

If you ask us for a copy of our assessment of your suitability for the credit contract:

  1. Before entering into the credit contract, we must provide you with a written copy of the assessment before entering into the credit contract.
  2. After entering into the credit contract but within:
    • 2 years of its starting, we must give you a written copy of the assessment within 7 business days.
    • 7 years of its starting, we must give you a written copy of the assessment within 21 business days.