KEY INFORMATION:
| Licensee name: | Jireh Group Holdings Pty Ltd (ABN 52 665 385 062) |
| Australian Credit Licence Number: | 547423 |
| Credit Representative: | Jireh Trading Pty Ltd Trading As ‘Providence Finance Hub’ (ABN 66 665 388 429) |
| Australian Credit Representative Number: | 553779 |
| Address: | Unit 1002/84 Pitt St, Sydney NSW 2000 |
| Contact details: | Office: 1300 776 433 |
| Email: | info@providencefinancehub.com.au |
OUR CREDIT SERVICES
We will assist you to select a loan or lease to meet your needs. The credit providers we most commonly used are CBA, Macquaire Bank, St George Bank, NAB, ANZ, Firstmac, Westpac, Pepper Money, and Liberty, although we do use others.
INFORMATION WE WILL REQUIRE FROM YOU:
We are obliged to ensure any loan or lease we suggest or assist you to apply for, including an increase to an existing credit
limit, is not unsuitable for your purposes. This includes if the loan or lease does not meet your requirements or objectives, if
you are unable to make the repayments, or you could only do so with substantial hardship. Therefore, we will need some
information from you. It is important that the information you provide is entirely accurate.
COPIES OF OUR ASSESSMENT:
At any time within 7 years of us providing you with credit assistance, you may request a copy of the preliminary credit
assessment. We will provide you with this documentation within 7 business days of receiving your request. However, if your
request is more than two years after the date of our Credit Quote, we may take up to 21 business days after receiving your
request.
FEES PAYABLE BY YOU TO US:
We may charge you for our services when providing credit assistance. If a fee is to be charged, this will be disclosed to you in
our Credit Quote which will be provided before applying for finance. You can ask us how they are worked out.
FEES PAYABLE BY YOU TO THIRD PARTIES:
When the application for a loan or lease is submitted, you may be required to pay fees to third parties associated with the
application, such as the credit provider’s application fee, valuation fee or other fees. These will be detailed in the Credit
Proposal document and provided to you before you apply for finance. You can ask us how they are worked out.
COMMISSIONS RECEIVED BY US:
Commissions may be payable to us by the credit provider for any loan or lease that is settled. The amount varies between
lenders and the amount of credit that you receive. These are not directly payable by you, and these will be disclosed within
the Credit Proposal document that will be provided to you before applying for finance. You can ask us for an estimate of these
commissions and how they are worked out.
COMMISSIONS PAYABLE BY US:
If you are referred to us by a third party, we may pay that entity a commission for the introduction of your business. For example, we may pay commissions to real estate agents, accountants, car dealerships and legal firms. These commissions are
not directly payable by you. You can ask us for an estimate of these payments and how they are worked out.
COMPLAINTS:
We hope that you are pleased with our service, although if you do have a complaint, you can contact our Complaints Officer
at 02–8044 3312, email info@providencefinancehub.com.au or mail to the address listed above in ‘Key Information’. Please
provide us with as much detail as possible in your complaint so we can address it promptly and hopefully resolve it to your
satisfaction. Suppose you are not satisfied with the outcome of our attempt to resolve your complaint. In that case, you may
refer the matter to the Australian Financial Complaints Authority Australia by phone at 1800 931 678 or by writing to GPO
Box 3 Melbourne VIC 3001. The Australian Financial Complaints Authority Australia is a no-charge external and independent
dispute resolution service.
QUESTIONS:
If you have any questions about this Credit Guide or any other aspect of our services, please do not hesitate to ask.
PRIVACY POLICY
Jireh Trading Pty Ltd (ABN 66 665 388 429) t/as Providence Finance Hub, Authorised Credit Representative #553779 of Jireh
Group Holdings Pty Ltd (ABN 52 665 385 062), Australian Credit Licence # 547423; referred to as “Providence Finance Hub
/we/us” will collect, store, disclose and use personal information and credit information that you provide to us in accordance
with the terms of this Privacy Consent and our Privacy Policy. You may obtain a copy of our Privacy Policy by contacting us on
mobile number 02-8044 3312 or email info@providencefinancehub.com.au. By interacting with us electronically or providing
any documents, you agree we can collect, hold, use, and exchange personal and credit information about you for these
stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws,
how you can access or request to correct your personal and credit information that we hold about you and how to have that
information amended.
What is personal information?
Personal information is information or an opinion about an identifiable or reasonably identifiable person. The personal
information we will collect and hold will include your name, date of birth, gender, telephone number, address, email,
employment details and any other information we may need to identify you.
What is credit information?
Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit
information that we will collect from you may include your records of credit that you have applied for (including the name of
the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing
on your creditworthiness used to determine your eligibility for credit. Credit information also includes credit reporting
information supplied to us by a credit reporting body and any information we derive from it.
We will collect, hold, disclose, and use your personal and credit information to:
(a) assess and verify your identity and financial situation;
(b) assess your credit application or your suitability as a guarantor to a credit application;
(c) provide such information to a guarantor or related applicant;
(d) exchange your information with a credit reporting body;
(e) disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit;
(f) disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document;
(g) disclose your information to an insurer to arrange insurance you wish to obtain;
(h) obtain from, and disclose to, third parties such as your employer, landlord, real estate agent, lending institution and
guarantor who are deemed as reasonably necessary to arrange finance and/or insurance; and
(i) refer you to other organisations, service providers or business partners or obtain referrals from them to you.
Identity & financial situation verification
We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) to collect and use personal
and credit information from you in order to identify you. We are also required by the National Consumer Credit Protection Act
2009 (Cth) to collect credit information and personal information about you and take reasonable steps to verify this, including
your financial situation. This verification may include enquiring via a credit reporting body.
Authority to make requests
You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By
signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:
(a) where you are the borrower—obtaining information or a report about your commercial activities or commercial creditworthiness for the purpose of assessing your application from any business which provides information about the commercial creditworthiness of persons (this includes a credit reporting body);
(b) where you are the borrower, giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for purposes of:
(i) assessing your application for credit;
(ii) notifying a default by you;
(iii) allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and
(iv) generally assessing your creditworthiness;
(c) where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and
(d) where you are the guarantor—obtaining a report about your creditworthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor. You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial creditworthiness, credit standing, credit history or credit capacity, which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.
(a) where you are the borrower—obtaining information or a report about your commercial activities or commercial creditworthiness for the purpose of assessing your application from any business which provides information about the commercial creditworthiness of persons (this includes a credit reporting body);
(b) where you are the borrower, giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for purposes of:
(i) assessing your application for credit;
(ii) notifying a default by you;
(iii) allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and
(iv) generally assessing your creditworthiness;
(c) where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and
(d) where you are the guarantor—obtaining a report about your creditworthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor. You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial creditworthiness, credit standing, credit history or credit capacity, which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.
Disclosures
We will disclose or exchange your personal and credit information to the following persons:
(a) potential credit providers and/or insurers as part of our credit assistance process;
(b) third parties to verify the details provided are correct, including with your agents, guardians, attorneys, and employers;
(c) our related body corporates, assignees, agents, contractors, and advisers;
(d) law enforcement, government, and regulatory bodies;
(e) any person who refers you to us for credit assistance; (f) joint applicants and guarantors;
(g) any financial institution to, or from which a payment is made;
(h) debt collection agencies; and
(i) anyone who refers you to us.
In addition, we may use overseas organisations to help conduct our business. As a result, we may need to share your information with such organisations located overseas (including the USA, Canada, Malaysia, India, Ireland, and the United Kingdom).
(a) potential credit providers and/or insurers as part of our credit assistance process;
(b) third parties to verify the details provided are correct, including with your agents, guardians, attorneys, and employers;
(c) our related body corporates, assignees, agents, contractors, and advisers;
(d) law enforcement, government, and regulatory bodies;
(e) any person who refers you to us for credit assistance; (f) joint applicants and guarantors;
(g) any financial institution to, or from which a payment is made;
(h) debt collection agencies; and
(i) anyone who refers you to us.
In addition, we may use overseas organisations to help conduct our business. As a result, we may need to share your information with such organisations located overseas (including the USA, Canada, Malaysia, India, Ireland, and the United Kingdom).
Credit reporting bodies
We may exchange personal and credit information with a credit reporting body as detailed below:
(a) disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process;
(b) use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant; and
(c) request a credit reporting body to provide us with an assessment of whether the information provided by the applicant or guarantor matches that in the credit report to verify the identity of the applicant and/or guarantor.
Our current credit reporting body is Equifax. You can contact them by phone at 13 8332 during opening hours of Mon-Fri 8.30 am to 6.00 pm Eastern Standard Time, or via their website, www.equifax.com.au. You can also obtain their Privacy Policy from their website at www.equifax.com.au.
(a) disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process;
(b) use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant; and
(c) request a credit reporting body to provide us with an assessment of whether the information provided by the applicant or guarantor matches that in the credit report to verify the identity of the applicant and/or guarantor.
Our current credit reporting body is Equifax. You can contact them by phone at 13 8332 during opening hours of Mon-Fri 8.30 am to 6.00 pm Eastern Standard Time, or via their website, www.equifax.com.au. You can also obtain their Privacy Policy from their website at www.equifax.com.au.
Credit providers
We may submit a credit application to credit providers listed in our ‘Credit Provider Schedule’. If a credit provider holds
pertinent credit eligibility information, the credit provider must share this information with us, yourself, or someone you have
authorised to act on your behalf. Credit providers may also engage directly with a credit reporting body, and you can ascertain
the details on this and how they handle personal and credit information via their websites which are listed in our ‘Credit
Provider Schedule’. If your credit application proceeds with a credit provider you may be asked again for your consent to
collect, store, and use your personal and credit information by this credit provider.
Aggregation partners
We have finance aggregation arrangements with the following entities who assist us in having access to a wide range of credit
providers. We may utilise their systems as part of our credit assistance process and other platforms for potential ongoing client
contact. We may also share your details as part of compliance audits.
                                     - Connective Credit Services Pty Ltd | ABN 51 143 651 496 | Australian Credit Licence 389328
                                     - Connective Credit Services Pty Ltd | ABN 51 143 651 496 | Australian Credit Licence 389328
Your rights
You have the right to ask:
(a) that we provide you with the personal and credit information we hold about you;
(b) that we correct any personal and credit information we hold about you that is shown to be incorrect;
(c) for copies of our Privacy Policy and this document;
(d) the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
(e) the credit reporting body provides you with a copy of information it holds about you.
To access and/or seek correction of your personal or credit information we hold or make a complaint about privacy, you can contact us at office number 02-8044 3312 and email info@providencefinancehub.com.au or registered post to Unit 1002/84 Pitt St, Sydney NSW 2000.
(a) that we provide you with the personal and credit information we hold about you;
(b) that we correct any personal and credit information we hold about you that is shown to be incorrect;
(c) for copies of our Privacy Policy and this document;
(d) the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
(e) the credit reporting body provides you with a copy of information it holds about you.
To access and/or seek correction of your personal or credit information we hold or make a complaint about privacy, you can contact us at office number 02-8044 3312 and email info@providencefinancehub.com.au or registered post to Unit 1002/84 Pitt St, Sydney NSW 2000.
Marketing
We want to contact you occasionally with marketing information about the products and services we provide. You can opt
out of receiving direct marketing communication from us at any time.
If you do NOT want to receive marketing information from us, please indicate to us via email at info@proviudencefinancehub.com.au or by by ticking:
Electronic communication
If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make
available to you, notices, and relevant documents, including those from a credit provider or insurer. You are therefore
responsible for maintaining appropriate software, hardware, and associated processes to receive, access, review, print and
save copies of such documents.
This consent applies to all types of communication that is permitted by law to occur electronically. Therefore, paper (hard
copy) documents may not be provided to you, unless we are obliged to by law. You must regularly check advised electronic
communication mediums for communication from us. If your details change, you must promptly notify us.
If you wish to withdraw your consent to electronic communication, please notify us at office number 02-8044 3312 and email
info@providencefinancehub.com.au or registered post to Unit 1002/84 Pitt St, Sydney NSW 2000.
CREDIT PROVIDER SCHEDULE- (not limited to)
| Credit Provider | ABN or ACN | Website Address |
|---|---|---|
| AMP | 49 079 354 519 | www.amp.com.au |
| Adelaide Bank | 11 068 049 178 | www.adelaidebank.com.au |
| ALI | 31 103 157 811 | www.aligroup.com.au |
| Aussie Home Loans | 27 105 265 861 | www.aussie.com.au |
| Auswide Bank | 40 087 652 060 | www.auswidebank.com.au |
| Access Today | 50 603 323 182 | www.axesstoday.com.au |
| ANZ | 11 005 357 522 | www.anz.com |
| Bank of China | 29 002 979 955 | www.boc.cn |
| Bank of Melbourne | 33 007 457 141 | www.bankofmelbourne.com.au |
| Bank of Queensland | 32 009 656 740 | www.boq.com.au |
| Bank of SA | 33 007 457 141 | www.banksa.com.au |
| Bank West | 48 123 123 124 | www.bankwest.com.au |
| Better Choice | 79 095 728 868 | www.betterchoice.com.au |
| Better Mortgage Management | 089 835 192 | www.bettermm.com.au |
| Blue Bay Home Loans | 62 127 824 524 | www.bluebayhomeloans.com.au |
| Bluestone | 122 698 328 | www.bluestone.com.au |
| Capital Finance Australia | 23 069 663 136 | www.capitalfinance.com.au |
| Challenger | 44 072 486 938 | www.challenger.com.au |
| Citibank | 88 004 325 080 | www.citibank.com.au |
| Commonwealth Bank | 48 123 123 124 | www.commbank.com.au |
| Connective Home Loans | 143 651 496 | www.connectivehomeloans.com.au |
| Deposit Assure | 40 168 962 365 | www.depositassure.com.au |
| Deposit Power | 49 160 226 442 | www.depositpower.com.au |
| E Money | 079 790 364 | www.emoneyfinance.com.au |
| Firefighters Mutual Bank | 30 087 650 459 | www.fmbank.com.au |
| Firstmac | 094 145 963 | www.firstmac.com.au |
| Gateway Bank | 47 087 650 093 | www.gatewaybank.com.au |
| Get Capital | 24 149 390 625 | www.getcapital.com.au |
| Health Professionals Bank | 30 087 650 459 | www.hpbank.com.au |
| Heritage Bank | 32 087 652 024 | www.heritage.com.au |
| Home Start Finance | 82 829 169 885 | www.homestart.com.au |
| IMB | 92 087 651 974 | www.imb.com.au |
| ING Direct | 24 000 893 292 | www.ing.com.au |
| Keystart | 27 009 427 034 | www.keystart.com.au |
| Latitude Automotive Financial Services | 80 004 187 419 | www.latitudefinancial.com.au |
| Latitude Personal Finance Pty Ltd | 54 008 443 810 | www.latitudefinancial.com.au |
| La Trobe Financial | 30 006 479 527 | www.latrobefinancial.com.au |
| Life Broker | 115 153 243 | www.lifebroker.com.au |
| Loanave | 42 611 315 416 | www.loanave.com.au |
| Macquarie Leasing Pty Ltd | 46 008 583 542 | www.macquarie.com.au |
| ME Bank | 56 070 887 679 | www.mebank.com.au |
| MKM Capital | 56 070 887 679 | www.mebank.com.au |
| Money 3 Loans Pty Ltd | 108 979 406 | www.money3.com.au |
| Morris Finance Limited | 70 083 630 139 | www.morrisfinance.com.au |
| MyState | 26 133 623 962 | www.mystate.com.au |
| NAB | 12 004 044 937 | www.nab.com.au |
| Newcastle Permanent | 087 651 992 | www.newcastlepermanent.com.au |
| On Deck | 28 603 753 215 | www.ondeck.com.au |
| P&N Bank | 69 087 651 876 | www.pnbank.com.au |
| Pepper Money | 55 094 317 665 | www.pepper.com.au |
| Plenti RE Limited | 571 666 466 35 | www.plenti.com.au |
| Prospa | 47 154 775 667 | www.prospa.com |
| Resimac | 55 095 034 003 | www.resimac.com.au |
| Scottish Pacific | 79 008 636 388 | www.scottishpacific.com |
| Secure Funding Pty Ltd (Liberty) | 25 081 982 872 | www.liberty.com.au |
| Selfco Leasing | 099 591 616 | www.selfco.com.au |
| Spotcap | 71 602 957 237 | www.spotcap.com.au |
| St George Bank | 33 007 457 141 | www.stgeorge.com.au |
| Suncorp Bank | 66 010 831 722 | www.suncorp.com.au |
| Teachers Mutual Bank | 30 087 650 459 | www.tmbank.com.au |
| Unibank | 30 087 650 459 | www.unibank.com.au |
| Virgin Money | 75 103 478 897 | www.virginmoney.com.au |
| Westpac Banking Corporation | 33 007 457 141 | www.westpac.com.au |
| Wingate Consumer Finance (Now Finance) | 158 703 612 | www.nowfinance.com.au |
| Wisr Finance Pty Ltd | 119 503 221 | www.wisr.com.au |
