Credit Guide & Privacy Disclosure

Licensee details

Credit Representative #581357 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686).

Credit Guide overview

The National Consumer Credit Protection Act 2009 states we must provide consumers with a Credit Guide and Quote as soon as practical after it becomes clear we are likely to provide credit assistance. This Credit Guide contains information on the services we provide, details of our obligations under the NCCP Act 2009 to ensure credit is not unsuitable for your circumstances, maximum fees and charges payable to us by you as the consumer, a guide to the commissions we may receive from credit providers, and details of fees that may be payable by Dahiya Finance to third-party referrers.

Services we provide

Our credit assistance services in sourcing and arranging a suitable loan include:

• Obtaining further information from, including but not limited to, employers, accountants and credit reporting agencies.
• Investigating suitable loans and providing you with information about one or more loans that meet your objectives.
• Assessing, verifying and documenting information, ensuring the chosen loan is not unsuitable for you.
• Helping you complete the application, compiling the documents required by the credit provider and submitting the application.
• Liaising with the credit provider during the approval process, providing any further information required and notifying you of the decision.
• Assisting with the finalisation of the loan required.

Ensuring credit is not unsuitable

To help us ascertain that a credit contract is not unsuitable, we are required by law to:

• Make reasonable enquiries about your requirements and objectives.
• Make reasonable enquiries about your current financial situation.
• Take reasonable steps to verify the information.

If at the time of assessment there is evidence suggesting you are unable to afford the repayments, or the credit will cause substantial hardship, or the credit will not meet your requirements and objectives, then the credit will be deemed unsuitable.

Because of the importance of proving credit is not unsuitable, we will require a significant amount of information, and it is crucial that this information is accurate. We complete a preliminary assessment of your requirements and financial position, and we must keep this assessment for seven years. You may request a copy of the preliminary assessment within seven years of the assistance being provided.

If you have a complaint

Internal dispute resolution

Within our business we follow specific procedures to try to resolve any complaint you may have. If you have a complaint, please contact our office by email at namita@dahiyafinance.com.au. We will try to resolve all concerns quickly and fairly.

External dispute resolution

In the unlikely event that we cannot resolve your complaint to your satisfaction, or you have not received a response after 30 days, you can escalate your complaint to the Australian Financial Complaints Authority (AFCA), a free and independent dispute resolution service.

Privacy

Dahiya Asset Finance Pty Ltd, ACN 701 280 533 ("we", "us", "our") collects information about you for the purpose you agree to in our Privacy Disclosure Statement and Consent. When you sign that consent, you agree that we can - consistently with Australia's privacy and credit reporting laws - collect, use and exchange credit and personal information about you for those purposes.

We collect credit and personal information about you, as applicable, to source consumer credit for personal, household, domestic or residential investment purposes; commercial credit for business purposes; other services stated in the Consent; or to support a guarantor application.

As your broker, we require the information we collect from you to assess your credit or guarantor application (or that of a company of which you are a director), source a suitable credit provider and any required insurances, and manage the application process. If you do not provide the information sought, we may be unable to process the application, or we may be limited in the other services we can offer.

Your rights

You have the right to:

• Ask us to provide you with all the information we hold about you.
• Ask us to correct the information we hold if it is incorrect.
• Ask us for copies of our privacy policy and this document, in a form that suits you.
• Ask the credit reporting body not to use your information for direct marketing or pre-screening.
• Ask the credit reporting body to provide you with a copy of the information it holds about you.

You can gain access to the information we hold about you by contacting our Privacy Officer at Lyndhurst VIC 3975, by telephone on 0449 798 807 or by email at namita@dahiyafinance.com.au. In some cases an administration fee may be charged to cover the cost of providing the information. Our privacy policy is available and we will provide you with a copy on request.

Schedule of credit providers

We may provide your information, including your credit report, to one or more of the credit providers below so they can assess your application. Our asset finance lender panel includes: