If you would like to be contacted by one of our Consultants 1300 935 626
Welcome to the We Are Loans application area. Let's get started.
Finance Ezy Pty Ltd ACN 108 225 841, trading as Finance Ezi, (‘we’, ‘us’, ‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.
Privacy Disclosure Statement and Consent
We are collecting credit and personal information (information) about you, as applicable:
As your broker, we require the information we collect from you to assess your credit, or guarantor, application or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
Your information – Collection and Credit Reporting Body
When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor and/or insurance provider. We may:
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.
As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.
We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this document.
A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more CRBs.
These details will also be included by the credit provider which approves your application in the privacy disclosure statement and consent document it will provide to you.
Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).
You have the right to ask:
You can gain access to the information we hold about you by contacting our "Privacy Officer" at the address above or by telephone on 1300 003 003 or email. In some cases an administration fee may be charged to cover the cost of providing the information.
You can contact our CRB by telephone on 1300 921 621 or email at email@example.com.
Disclosure and Consent
By signing below, you agree we may:
You also agree and consent to, as appropriate:
Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.
By signing below, you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you.
Do we use or disclose your personal information for marketing?
We may use your personal information to offer you products and services we believe may interest you, but we will not do so if you tell us not to. These products and services may be offered by a member of Finance Ezy Pty Ltd.
We may offer you products and services by various means, including by mail, telephone, email, SMS or other electronic means, such as through social media or targeted advertising through Finance Ezy Pty Ltd.
We may also disclose your personal information to companies outside Finance Ezy Pty Ltd who assist us to market our products and services to you. If you do not wish to receive marketing offers from us please contact us and advise us that you do not want this to happen.
Barbagallo Financial Services Pty Ltd trading as We are Loans.
Australian Business Number: 21 113 152 793
Australian Credit Licence Number: 373552
Address: Level 1, 9 Frobisher Street, Osborne Park
Phone number: (08) 9231 5955
Our Finance Brokers (Representatives) are able to assist you in finding a credit provider and arranging
a suitable loan to meet your objectives. This service is known as credit assistance. When providing such
credit services we will be acting as your agent and not as the agent of any credit provider.
Our credit assistance services in sourcing and arranging a suitable loan or lease include:
Your privacy is important to us, and we comply with the Privacy Act 1988 (Cth) (Privacy Act).
We collect personal information from you only as is necessary for the purpose of providing you with our
credit services and to comply with our responsible lending obligations required by law. Sometimes this
may include collecting credit information (such as your repayment history information, any default
information or information regarding your credit terms and conditions) or credit eligibility information
(such as information about your credit worthiness). If we are assessing an application for credit, we
may have to collect this information from third parties, such as credit reporting bodies, other credit
providers, your employer or your finance broker. By submitting this signed credit guide and quote, you
consent to us contacting them for this purpose.
We only hold, use and disclose personal information and credit information that have been collected
about you for the purpose of providing you with credit products and services, or for related purposes
which might be reasonably expected. This may mean we disclose such information to other third
parties such as credit reporting bodies, other credit providers, auditors, accountants, legal advisors or
as required by law.
You can choose not to provide this information however, we may not be able to provide you with
credit assistance services.
Occasionally, we may use your personal information to contact you directly (whether via telephone,
email, post or otherwise) to keep you up to date with the range of products and services available
from us. By submitting this signed credit guide and quote, unless you specifically state otherwise, you
consent to us contacting you for these purposes. But if at any time you do not want us to use your
information for these marketing purposes, you can opt out by contacting and telling us.
If you ask us to assist you in finding a credit provider, and arrange a suitable loan to meet your
objectives, we have to provide you with a quote.
Our services include determining whether or not the loan contract is one that is not unsuitable for you
and then assisting you to complete the documents and submitting your completed loan application
to at least one of our preferred credit providers.
We may charge a once only origination fee of up to $990 for the successful arrangement of your loan.
Our origination fee will be included in the loan amount financed by your credit provider.
If your loan application is not approved there will be no fee payable by you.
Unless you sign and date the section below, or otherwise indicate your acceptance of our quote, we
will be unable to provide you with credit assistance.
Our general obligations to you:
The National Consumer Credit Protection Act 2009 (Cth) does not permit us to provide credit assistance
to a consumer by:
We are required to make a preliminary assessment of whether the contract is unsuitable for you before
we suggest that you apply or assist you to apply for a credit contract (or an increase to your credit
In making this assessment, we will only take into account information that satisfies both of the following
To enable us to do this, we will ask about your financial situation and your requirements and objectives
in relation to the credit contract. We may request copies of documents such as pay slips and past tax
returns. We may also ask you to supply other proof of your ability to repay the loan.
We are required to verify certain financial information. If you do not provide us with full information, we
can’t properly assist you. For this reason, it is important that you provide us with complete and accurate
You can request a copy of our preliminary assessment at any time within 7 years after we provide a
credit quote. If you request a copy of your preliminary assessment we must provide you with a copy at
no charge to you.
We must provide the written copy within 7 business days if your request is made within two years of the
credit quote or otherwise within 21 business days. We do not need to give you a copy of the preliminary
assessment if your request is made more than 7 years after the date of the credit quote or if credit
assistance was not provided to you.
The preferred credit providers from whom we source loans are:
ANZ , Australian Financial Services, Latitude Financial Services, Liberty Financial, Westpac, Capital
Finance, Bank of Queensland, Alphera Finance, Bank West, CEG, Morris Finance, Finance 1 , Money 3,
Green Light Auto, Lease Plan, Latitude, Now Finance, Paramount Finance, Axsesstoday, Yamaha
Finance, Go Getta, Commonwealth Bank of Australia
Commission paid by credit providers
We will receive a commission from a preferred credit provider if you enter into a credit contract with
that provider. The amount of the commission that we receive in relation to any particular credit
contract depends on the credit provider, the amount of the loan and the terms of the loan. The
amount of the commission can range from 0% to 20% of the total amount financed.
In addition, we may also receive a volume bonus from a credit provider depending on the total value
of loans placed with that credit provider during the month. The amount of this bonus can range
anywhere from 0% to 7% of the total amount financed and it is paid in arrears.
Commission paid by us
From the commission and bonuses we receive from the preferred credit providers we may pay:
You have the right to request an estimate of how much these payments may be and how the
commissions or fees are worked out.
If you have a complaint about the service provided to you then please contact our Complaints Officer
and tell us about your complaint. We may request that you put your complaint in writing. Once we
receive your complaint, we will acknowledge receipt of the complaint, investigate the matter and
endeavour to address it as quickly as possible. We aim to resolve your complaint when you first
contact us. However, it may take us up to 45 days to provide a final response to your complaint. Please
provide all information to:
We Are Loans
Level 1, 9 Frobisher Street
Osbourne Park WA 6017
T: (08) 9231 5955
Complaints in relation to your loan including complaints about default notices, hardship applications
or postponement of enforcement proceedings should be discussed directly with your credit provider.
We expect that we will be able to completely resolve any issues that you raise. If, despite our best
efforts, you believe your complaint has not been satisfactorily dealt with, you may refer your complaint
to our external dispute resolution scheme the Credit Ombudsman Service Limited (COSL). This is a free
service to you and provides independent dispute resolution where required. COSL can be contacted
PO Box A252, Sydney South NSW 1235
T: 1300 138 422 F: 02 9273 8440 W: www.cosl.com.au
Online Complaint Form: www.cosl.com.au/make-a-complait-intro
By signing this document, acknowledging acceptance by submitting my/our enquiry, or emailing
my/our acceptance to you, I / We:
You can also contact us to access your personal information or credit information, to make any
corrections to personal information or credit information we hold or to make privacy related
This Credit Guide applies from 20 July 2015 and remains valid unless a further Credit Guide is issued to