Your credit provider has to give you a copy: You must repay the Outstanding Balance including but not limited to the Loan in full by the final Repayment Due Date unless we agree otherwise in writing. While positive choices the assets will be given to customer ASAP couple of working movements. Adult age strictly from 18 y. It was fast, down to the point and just reliable. FlashApply does not charge customers a fee for using its broker services. We love coming to work each day, even Christmas and New Year's Day.
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Need some money fast? Our brilliant application process via our sister company Oz Cash Loans is really simple and quick to complete, and the great thing is that you will know exactly where you stand really fast. We will always aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST standard bank hours.
Should you wish to not receive any marketing or promotional material, please also contact Swift Loans Australia and they will remove your details from marketing distribution.
By consenting to this policy, you agree that Swift Loans Australia Pty Ltd and their associates may undertake any of the following at any time:. Request and use information about your current and previous employment history in order to assess your application for consumer credit.
Swift Loans Australia Pty Ltd may also use the services of these companies in order to assess your credit history, past and current loan status, overdue accounts and details of the loan requested from Swift Loans Australia Pty Ltd.
It is a requirement by law, that Swift Loans Australia Pty Ltd discloses information about you to any organisation involved in the provision of credit to you, anybody in connection to a complaint concerning you or the services provided by Swift Loans Australia Pty Ltd, any of our associates, or any third party wishing to invest in Swift Loans Australia Pty Ltd.
As a customer of Swift Loans Australia Pty Ltd, you consent to the company contacting you via email, or via our VIP Member area website as ways in which to distribute documents and information relating to the status of your loan s.
You understand and agree that by giving this consent. You must regularly check all nominated addresses, VIP Member area and your phone for notices. Unless required by law, Swift Loans Australia Pty Ltd will not send hard copies of any documentation. You may withdraw your consent to receive electronic documents and notices at anytime, and only with the provision of an alternative means of communication.
Swift Loans Australia Pty Ltd will make all notices, statements of account, copies of the contract, Terms and Conditions, statutory notices including the Credit Guide and Information statement available for a reasonable period of time in the www.
In order to process your loan application, we are required by law to review your last 90 days of bank transactions. Credit Sense will obtain the last 90 days of your bank transactions from the date of your application, in addition to further transactions for a reasonable period after that date. During this process your login details will not be stored, however, you agree to appoint Credit Sense as your agent for the sole purpose of accessing your Internet banking on your behalf.
You must pay all Fees and Charges in the circumstances set out in the Loan Schedule. If you fail to make a payment when due, as set out in this contract, then late payment fees must be paid.
You will not be required to pay total Fees and Charges that exceed twice the Amount of Credit not including Enforcement Expenses. Any Fees and Charges that you must pay will be debited to your account and form part of the Outstanding Balance. Any government tax, fee, levy or duty that we incur concerning this Contract will also be debited to your account and form part of the Outstanding Balance. Swift Loans Australia Pty Ltd will not rollover any loans. You must repay the Outstanding Balance including but not limited to the Loan in full by the final Repayment Due Date unless we agree otherwise in writing.
You authorise us to obtain payment of any amounts you owe under this Contract through the Direct Debit Authority you have signed in connection with this Contract. You must make the repayments on each Repayment Due Date as specified in the Loan Schedule, or as agreed in writing during the course of this Contract. All payments must be made by direct debit.
If your payment is dishonoured, the payment is taken not to have been made. All payments must be made in full, and they will be credited to your account without any deduction or set-off by either you or us. If you have reason to dispute a payment or anything else in relation to this Contract, you are encouraged to contact us to initiate our internal dispute resolution IDR process. If you are dissatisfied with the outcome, you have a right to take your dispute to either our external dispute resolution EDR scheme or to a court.
If Fees and Charges, Enforcement Expenses or other costs are debited to your account and form part of the Outstanding Balance, you must pay them immediately. You may pay out the Contract in full earlier than the final Repayment Due Date provided you pay all Fees and Charges and other amounts owing under this Contract including any Enforcement Expenses. You can direct us to apply your payments to any amount you owe under this Contract in any order.
However, if you do not provide a direction in writing before, or when, making a payment, we can apply the payment to any amount you owe under this Contract in any order we decide. For example, if you owe any Enforcement Expenses, we may pay them before your regular repayment.
If you hold any other credit contracts with us and you make a payment which is insufficient to satisfy all of your obligations under this contract, we reserve the right to apply the payment to any, or all, of the credit contracts in any manner we decide unless you have provided written directions before, or when, making the payment, on how the payment is to be applied.
We will also adjust the debits, credits and Outstanding Balance if there are refunds or corrections to accurately reflect the legal obligations between us. This will occur regardless of the adjustment favouring either of us. You will be in default if you: If you are in default, we will give you a written default notice requiring you to correct the default. However, we need not give you that notice in circumstances where the law does not require it. A default notice will tell you what you need to do to fix the default, if that can be done.
You must do what the notice asks within the time provided. If, during the period of the default notice, you default a second time in the same way again, then you are still in default, even if you have fixed the first default.
You must pay us the Outstanding Balance which may include but is not limited to arrears and Late Payment Fees and we may, by written notice to you, terminate the Contract, in the following circumstances: You must reimburse us for all our Enforcement Expenses.
Enforcement Expenses can include a range of costs such as legal fees, collection agency fees, our reasonable internal costs, as well as all government fees, charges, taxes or duties incurred in relation to those expenses. When requested by us, you must pay any Enforcement Expenses we reasonably incur, but we may, without making demand, debit them to your account and they will form part of the Outstanding Balance. You must tell us if you change your name, your residential, postal or email address, your telephone or mobile number or your employment details.
By inserting your email address into the Application Process and Loan Schedule, you have authorised us to use your email address as the primary form of contact and communication purposes. This email address will be used for the sending and receiving of documents, notices or information as are permitted to be given electronically under the Code.
You may cancel your authorisation to receive documents by email at any time, by notifying us in accordance with Clause 7. If you have to give us a document or notice then you can: Unless stated otherwise, if we need to give you a document or notice we can do so by: If you have provided us with your email address you must: By inserting your telephone number in the Loan Schedule you authorise us to use this telephone number for communication purposes, which may include contacting you for the purposes of ensuring compliance with your obligations under this Contract.
You should tell us immediately if you cannot make any repayments. If you do, we will discuss alternative payment arrangements with you. However, we do not have to agree to any alternative arrangements. You agree we may transfer, or assign, our rights under this Contract without your consent, provided we reasonably believe you will not suffer any material detriment from the transfer or assignment.
In doing so, you consent to us giving any information including documents about you to the assignee or to anyone who is considering becoming the assignee. We may set off any debt or monetary liability we owe you against amounts that are due and payable by you under this Contract.
You agree that you will not, either yourself or through a Third Party: Attempt to reverse engineer, discover source code or any other coding, reverse assemble, decompile, or use other arithmetical formulae or processes in respect of the software, technology and applications underlying the infrastructure and processes associated with the Website or Platform;.
Except for unilateral variations specifically permitted under this Contract, this Contract can only be varied where we both agree. We do not waive any of our rights under this Contract, unless we do so in writing. This Contract sets out all the terms between you and us concerning the use and operation of this Loan. This Contract supersedes any other representation, promise or statement made by us or any of our employees or agents. This Contract is governed by the law in force in the State of Victoria.
You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of that State and courts of appeal from them.
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