Brighte Business Loan Contract
Please read these Terms and Conditions and the Schedule that includes your loan details. Together they make up your Loan Contract. Your Loan Contract is formed by your accepting our loan offer in the manner provided for within the terms of our loan offer. If you have questions, call Brighte on 1300 BRIGHTE (1300 27 444 83) or email customercare@brighte.com.au.
Terms and Conditions
1. Your Loan
1.1 Conditions of funding your loan
Before we fund your loan, you must meet our requirements including completing an authority form to nominate an account we can debit repayments from.
1.2 The name of your loan
The form of this Loan Contract is used for both Brighte's Business Loan and Brighte's Community Loan. For the purposes of this Loan Contract, where the word Business is used in the context 'Brighte Business Loan', it can also be read as 'Community' in the context of 'Brighte Community Loan'.
1.3 How we fund your Loan
Your loan will be used only for the purposes you indicated to us, including in accordance with the Business Purpose Declaration.
This means that:
the Loan Amount will be used to finance your purchase of Goods and/or Services from our approved Vendor;
the Loan Amount will be paid on your behalf to the Vendor; and
we will pay the Vendor the Loan Amount on your behalf, on the next business day after the earliest of the following dates:
the date we are informed by the Vendor that the purchased Goods and/or Services have been provided, delivered and/or installed (as required under your contract with the Vendor);
the date we are informed by you that payment to the Vendor for the purchased goods and services is due (as required under your contract with the Vendor), or on such following business day as we reasonably agree with you; or
the date we are informed by the Vendor that payment to the Vendor for the purchased goods and services is due (as required under your contract with the Vendor), or on such following business day as we reasonably agree with the Vendor.
2. Managing Your Loan
2.1 Once you become bound by your Loan Contract with us, we will open a loan account in your name. We will use your loan account to debit and credit amounts owing and paid by you under your Loan Contract.
2.2 Your loan account will be debited with, and you agree to pay us:
a. the amount of each repayment under the Schedule and this Loan Contract;
b. the fees and charges that are payable by you from time to time under your Loan Contract; and
c. any other amount owing to us by you under your Loan Contract.
3. Using Your Account
3.1 First repayment
Your first repayment will become due and payable to us twenty-eight (28) days after the day on which we advance any of the loan amount to the Vendor, or on such earlier date that you nominate to us as the earlier day for your first repayment, which day must fall within the first 28 days after we first advance any part of the loan amount to the Vendor. We will tell you by email or SMS when we have advanced any of the loan amount to the Vendor. When you nominate an earlier day for the first repayment, you must do so at least two Business Days before the date that is the 28th day after the day on which we advance any of the loan amount to the Vendor.
3.2 Subsequent repayment date
Your subsequent repayment dates will occur after your first repayment became due and payable and at the periodic intervals stated in the Schedule. However if the day for a repayment is not a Business Day, the required repayment is payable to us on the next Business Day.
3.3 Ongoing repayments
The Schedule sets out the required repayment amounts.
You must continue to make the required repayments specified in the Schedule until the outstanding balance of your loan account has been paid in full. In the event that the total of the remaining outstanding balance is less than the amount of the required repayment amount, then you are only required to pay the remaining unpaid outstanding balance, together with any other fees that are then payable in order to discharge your payment obligations under your Loan Contract.
Until your loan is repaid in full, together with all fees payable, you will need to continue making regular repayments, even if you've made extra repayments (see clause 3.4).
We have calculated the repayment amounts on the assumption that the whole of the Loan Amount is advanced and on the assumptions that your first repayment will be as set out in the Schedule, the Loan Amount is advanced on the Disclosure Date and that all repayments will be made on time and will be due and payable on a Business Day. The actual total amount that will become payable by you under this Loan Contract will depend on things like when you make the repayments.
You must pay us in Australian currency, and in a form acceptable to us. We may apply your payments to any amount you owe us and in any order we choose, including towards the payment of any outstanding fees and charges before your payment is applied towards an outstanding repayment. We will give you credit for any payment on a day that is not later than the day that we receive the benefit of that payment. If a repayment is dishonoured, we treat it as if it was never made. Each payment that you make to us that is not made under a direct debit request or other recurring payment authority must be accompanied by details of your loan with us.
We may debit your nominated account or applicable payment card, from time to time, with all amounts that become due and payable to us under your Loan Contract. If you wish to cancel or alter your direct debit request (DDR) in our favour, please call us on 1300 BRIGHTE. At all times during the term of this Loan Contract, you must ensure that we hold a valid DDR or payment authorisation in our favour that authorises us to collect or recover from your nominated account with your financial institution all amounts that are payable to us from time to time under this Loan Contract.
If your nominated account changes, you must provide us with:
a. a new and valid DDR for your new nominated account applicable to your new DDR; or
b. a new recurring payment authority applicable to the approved card that is linked to the new nominated account.
If your applicable payment card, account number or card number changes, you must provide us with a new and valid recurring payment authority where we do not hold a valid DDR from you.
Subject to any statutory right of set off that you may have and that cannot be excluded by agreement, you must pay all amounts you owe us without making any set-off or deducting any amounts you believe we owe you.
Our acceptance of a late payment of an amount that is due to us does not affect our rights under this Loan Contract to receive the payment or your obligations to make payment of any other amount on time.
3.4 Paying your loan off early
You may pay off your loan early.
4. Your Warranties
4.1 You warrant to us that:
a. the execution, delivery and performance of this Loan Contract, and of any other document executed in connection with this Loan Contract, are within your powers, have been duly authorised, are not in contravention of any law or the terms of your constitution, by-laws or other governing documents, or of any deed, agreement or undertaking to which you are a party;
b. you are and will, where applicable, remain duly organised, licensed and/or registered, validly existing and in good standing under the laws of the place of your formation, and in every other place in which you are doing business;
c. you are and will comply with all laws, statutes, regulations and ordinances that relate to your conduct and your business and you promise to hold us harmless from any damages, liabilities, costs, expenses or other harm that we may suffer or sustain arising out of any failure by you to do so;
d. there is no action, suit, proceeding or investigation pending or, to your knowledge, threatened against or affecting you or any of your assets before or by any court or other governmental authority which, if determined adversely to you, would have a material adverse effect on your financial condition, business or prospects;
e. you have no reason to believe you may become Insolvent;
f. if you are a sole trader, you are 18 years or over and a permanent resident of Australia;
g. if you are a sole trader, you are not an undischarged bankrupt at the time of applying for the loan under this Loan Contract;
h. where the Goods the subject of a Loan Contract are to become a fixture on real property, you:
i. are the owner or lessee of the property to which the Goods will be fitted, installed or applied; or
j. have consent from any other property co-owner or the property owner (where relevant);
k. you will use the Goods as they are intended to be used by the manufacturer, and not in any way which could be dangerous or cause harm;
l. you have conducted your own due diligence on the Goods or Services and the suitability of the Goods or Services for your purpose;
m. you will not use the Goods in connection with any illegal activity;
n. you will make all payments due and payable under the Loan Contract even if you do not have control or possession of the Goods, or if the Goods are not installed or operational;
o. you will inform the Vendor promptly of any material problem or safety concern with the Goods the subject of this Loan Contract, and will promptly update us on the status of the resolution;
p. you will inform us promptly if your contact details or nominated account details change;
q. you will regularly check your communication methods for correspondence from us; and
r. you will notify us immediately if you become unable to meet your payment obligations under your Loan Contract.
5. Selling The Goods or Property
5.1 Where the Goods the subject of this Loan Contract are to become (or have become) a fixture on real property, even where you sell the Goods, or any property to which the Goods are attached, you will remain liable to continue to make all repayments that are or become payable under this Loan Contract. As a possible alternative, you can request us to agree to novate your obligations under this Loan Contract to another borrower who we deem appropriate. We are, however, not under any obligation to agree to such a novation of your obligations under this Loan Contract.
5.2 Subject to sub-clause 5.1, your obligations under your Loan Contract continue even when you:
a. sell the Goods;
b. move out of a property to which the Goods are attached; or
c. no longer have the benefit or possession of the Goods for another reason.
Your obligations cease when you have repaid all amounts owing under this Loan Contract and have requested us to close your account.
6. Default
6.1 You are in Default under this Loan Contract if:
a. you do not make a required repayment or other payment, as set out in the Schedule, and you fail to correct the breach within 7 days after we give you notice to correct the breach;
b. you breach a warranty (in a relevant and material way) and where the breach is capable of correction, you do not correct the breach within 7 days after we give you notice to correct the breach;
c. you, an Authorised Representative or any other person acting on your behalf gives us or has given us materially incorrect or misleading information in connection with this Loan Contract and where, acting reasonably, we would not have entered into this Loan Contract or advanced the Loan Amount if the correct information had been provided to us;
d. we reasonably believe that you, an Authorised Representative, or another person has acted fraudulently or illegally in connection with this Loan Contract;
e. you have breached a provision of this Loan Contract and have failed to correct the breach within 14 days after we give you notice to correct the breach
f. you are or become Insolvent or are declared bankrupt or steps are taken to make you so;
g. you are a trustee of a trust and without our prior written consent:
h. a new trustee is appointed, the trust vests or terminates, or any part of the trust fund is resettled or set aside; or
i. the trustee's right to be indemnified out of the trust fund is restricted in any way; or
j. you are a partnership and any of the events in paragraphs (a) to (f) occurs in relation to one or more of your partners, in which case, the event is deemed to have occurred in relation to you.
6.2 Actions we may take
If you are in Default, we may do one or more of the following:
a. suspend your account without notice and, where we have not advanced the Loan Amount, suspend the advance of the Loan Amount;
b. require you to repay the whole of the outstanding balance of your loan account and any additional fees; and/or
c. take any other action available to us at law.
You may also become liable for enforcement expenses.
6.3 If we take legal action and obtain judgment
If you are in Default, enforcement expenses may become payable under this Loan Contract. You must pay us all reasonable enforcement expenses incurred by us, or on our behalf, in enforcing our rights under the Loan Contract against you in order to recover amounts due and payable to us or arising from your Default. To the extent permitted by law, enforcement expenses may include those reasonably incurred by our staff, contractors and service providers. We may debit enforcement expenses to your account. Where enforcement expenses are debited to your account they will be due and payable to us from that time.
7. Changes To or Under This Loan Contract
We may make reasonable changes to or under this Loan Contract at any time without your consent and in accordance with this clause 7.
7.1 Acting reasonably, and without your consent, we may change the terms of your Loan Contract, by changing:
a. the repayment amounts payable under the Loan Contract where we have reason to believe this will assist you or where we elect to do so to meet your request; and/or
b. the frequency or time for repayments, or the remaining loan term under the Loan Contract where we elect to do so to meet your request; and/or
c. the amount of the late payment fee.
Before any such change becomes effective, however, we will notify you of the change in writing no later than 30 days before the change takes effect or as otherwise required by law. We may give this notice in a manner permitted by this Loan Contract.
7.2 We will not change your Loan Contract so as to introduce an interest charge or an interest charge on the amount outstanding from time to time on your account.
8. Dispute Resolution
8.1 If you believe that we have not complied with this Loan Contract, or if you have a complaint, contact our Customer Service at 1300 274 448 (BRIGHTE) or email customercare@brighte.com.au. We will endeavor to respond to you as soon as possible.
8.2 If we are unable to resolve your complaint to your satisfaction, we will provide you with a written response explaining the reason for our decision.
9. Limited Liability
9.1 You acknowledge that we have not endorsed any Goods or Services sold to you by a Vendor. We do not warrant or endorse any Vendor and, subject to any applicable laws that provide otherwise, we are not liable for any representation made by the Vendor about any Goods or Services that are supplied to you, or that are financed under your Loan Contract.
9.2 If we are a deemed a 'linked credit provider' of a supplier under a consumer law, you may have certain rights against us. Subject to those rights, and any other applicable law, we are not responsible or liable for:
a. any claims made by a Vendor which you may have relied on;
b. the performance of the financed Goods or Services, or any installation, servicing, or ongoing maintenance of the Goods;
c. any loss, harm, or damage resulting from using the Goods or Services, or from the installation or servicing of the Goods; or
d. if a Vendor or other person refuses to accept or honour the Brighte Business Loan as a method of payment.
10. Fees and Charges
10.1 Without limiting your obligations under any other provision of this agreement, you must pay us:
a. all fees and charges noted on your Schedule; and
b. any government stamp duty or other government duties payable in connection with the Loan Contract or payments in respect of the Loan Contract.
11. General Matters
11.1 If you authorise an Authorised Representative to deal with us in relation to any question you may have regarding your account with us, we will only deal with that Authorised Representative where we are satisfied, in our sole and absolute discretion, that you have sufficiently authorised that person to so deal with us on your behalf. You acknowledge that where we reasonably form the opinion that the relevant person has your authority to deal with us, we are authorised to deal with that person as your Authorised Representative.
11.2 If we do not exercise a right or remedy fully or at a given time, we can still exercise it later at our discretion.
11.3 We are not liable for loss caused by the exercise or attempted exercise of, failure to exercise, or delay in exercising, a right or remedy other than if we are negligent.
11.4 We may assign, novate, or transfer our rights and / or obligations under this Loan Contract without your consent.
11.5 You cannot assign your account or your rights under this Loan Contract without our consent.
11.6 Notices from us may be electronic or on paper, and can be sent to your last address known to us. Communications from you must be identifiable as having been sent by you and be written in email, written on paper and posted, or (where we agree) oral (including when communicated by phone).
11.7 You must notify us as soon as possible if you change your name, postal address, email address or contact telephone number. We may give you any notice or other document by sending it to your last postal or email address appearing in our records, or by any other means that is not prohibited by law.
11.8 Subject to the terms of this Loan Contract, a provision of this Loan Contract, or a right created under it, may not be waived by us except in writing signed by us.
11.9 We may agree to vary your Loan Contract or defer or waive any of these Terms and Conditions without creating a new Loan Contract.
11.10 We may enter into this Loan Contract as the agent for an undisclosed principal or assign, novate or transfer our rights and/or obligations under it to an undisclosed principal. Where we do so, you consent to the undisclosed principal and ourselves agreeing to terminate this Loan Contract at any future time and to the creation of a new Loan Contract on the same terms between yourself and us, or between yourself and a new undisclosed principal that we reasonably select and that agrees to become the undisclosed principal under the new Loan Contract, and where that occurs:
a. the obligations of any undisclosed principal under this Loan Contract to you will cease from the time of the termination of this Loan Contract, but you will remain liable under this Loan Contract for the repayment of all amounts then owing by you under this Loan Contract until they are fully paid by you in accordance with the terms of this Loan Contract;
b. we will act as the agent for any undisclosed principal that is a party to the new Loan Contract; and
c. these arrangements and outcomes will operate without the requirement for you to provide any further consent or agreement.
11.11 It is your sole responsibility to arrange for the supply and provision of any supporting services required from any utility or other service providers, including for connection to the utilities and services provided by the utilities or service provider, for any Goods installed or supplied to a property where the Goods require additional services for you to receive the benefit of the Goods. An example of a subsequent utility includes arranging for connectivity to the grid and your property via your electricity provider. Such utilities do not form part of this Loan Contract, and do not affect your obligation to repay or the commencement of your repayment obligations under it.
11.12 New South Wales laws govern and apply to this Loan Contract.
11.13 Your privacy is important to us. For details of when and how we collect, use and disclosure your information and of rights you have (for example, to choose how you want us to communicate with us) see our Privacy Policy at https://brighte.com.au/privacy or contact us on 1300-BRIGHTE.
11.14 At Brighte, we value innovation and strive to understand our customers' needs to provide the best service. To facilitate this, you agree that we may request access to current and historical metering data from your electricity provider on your behalf. You will provide us with any further consents or additional details we request to allow us to access this data (including account number, national metering identifier and meter number). Metering data will be collected, used and disclosed in accordance with our Privacy Policy.
12. Trust Provisions
12.1 If you are a trustee of a trust, the trustee enters into this Loan Contract and agrees to be bound by it both in its capacity as trustee and in its own personal capacity.
12.2 If you enter into this Loan Contract as a trustee, you represent and warrant that:
a. the trust of which you are trustee is validly constituted and has not terminated, nor has the date or any event occurred for the vesting of the trust fund;
b. you are the sole trustee of the trust, you have not given any notice of resignation and no action has been taken to remove you or to appoint an additional trustee of the trust;
c. you are not in breach of any of your obligations as trustee of the trust, whether under the trust deed or otherwise;
d. no action has been taken nor is there any proposal or requirement to wind up, terminate, reconstitute or resettle the trust;
e. if you are a company acting as trustee for the relevant trust, the representations and warranties in clause 4 with regard to you as a company and as a corporate trustee are true and correct;
f. you enter into this Loan Contract for a proper purpose of the trust;
g. you have power and authority under the trust deed to enter into this Loan Contract;
h. this Loan Contract binds you personally and in your capacity as trustee; and
i. you have the right to be indemnified fully out of the trust property before the trust's beneficiaries for all liabilities you incur under or in connection with this Loan Contract.
13. Guarantee
This clause applies if a person or persons are named as the Guarantor in the Details.
Each Guarantor, jointly and severally, guarantees the payment to us of all amounts due payable to us by the Borrower under this Loan Contract and agrees to pay the Guaranteed Money to us on demand.
13.1 Consideration and solvency
Each Guarantor represents and warrants to us that:
a. the Guarantor has received valuable consideration for providing this guarantee and indemnity;
b. the Guarantor considers that the Guarantor will benefit by providing this guarantee and indemnity;
c. this clause 13 constitutes the Guarantor's legal, valid and binding obligations, enforceable against the Guarantor in accordance with its terms; and
d. there are no reasonable grounds to suspect that, after entering into this Guarantee, the Guarantor will be unable to pay the Guarantor's debts as and when they fall due.
13.2 Nature of obligations and enforcement
A Guarantor's obligations under this Guarantee are principal obligations (and not ancillary or collateral to any other right or obligation) and may be enforced against that Guarantor without our first being required to:
a. exhaust any remedy against the Borrower or any other person; or
b. enforce any other guarantee or Security Interest we may hold relating to the Guaranteed Money.
13.3 Continuity and preservation of Guarantor's obligations
This Guarantee is a continuing guarantee. The Guarantor's obligations under this Guarantee are absolute, unconditional and irrevocable. The liability of the Guarantor under this Guarantee extends to and is not affected by the grant of any time or indulgence to the Borrower or by any other circumstance, act or omission which, but for this sub-clause 13.3, might otherwise affect the Guarantee or Guarantor at law or in equity, and the Guarantor irrevocably waives any right the Guarantor may have to claim that the Guarantor's liability has been so affected.
13.4 Limitations on Guarantor's rights
Until the Guaranteed Money has been irrevocably paid in full, the Guarantor may not have or exercise any rights as surety in competition with us or claim to be entitled (by way of contribution, indemnity, subrogation, marshalling or otherwise) to the benefit of any agreement or document to which we are a party.
13.5 Indemnity in respect of Guaranteed Money
For the consideration mentioned in sub-clause 13.1, each Guarantor unconditionally indemnifies us against, and must pay us on demand, the amount of, any loss that we may suffer because:
a. any obligations in respect of the Guaranteed Money are unenforceable; or
b. the Guaranteed Money is not recoverable from the Borrower or is repaid or restored after it has been recovered,
including the amount of any Guaranteed Money (or any money which, if recoverable, would have formed part of the Guaranteed Money) that is not or may not be recoverable.
13.6 Application of the indemnity
The indemnity in sub-clause 13.5 extends to any money that is not recoverable:
a. because of any legal limitation, disability or incapacity of or affecting the Borrower or any other person;
b. because any transaction relating to that money was void, illegal, voidable or unenforceable;
c. whether or not we knew or should have known any of the relevant matters or facts; or
d. because of any other fact or circumstance.
13.7 General indemnity
Each Guarantor must indemnify us against, and must pay us on demand the amount of, all losses (including loss of profit), liabilities, costs, expenses and taxes that we incur in connection with the administration of, and any actual or attempted preservation or enforcement of, any rights under this Guarantee.
13.8 Demand by Us
A demand by us under this Guarantee may be signed by any of our managers or other officers, or by any of our solicitors, and served on the Guarantor at the last address known to us, or served personally on the Guarantor. If posted, with the postage prepaid, the demand will be conclusively taken to have been served in the ordinary course of post but in any event not later than five Business Days after posting.
13.9 Statements by Us
A statement by one of our authorised representatives on any matter relating to this Loan Contract (including any amount owing by the Guarantor) is, in the absence of evidence to the contrary, to be treated as correct.
13.10 Execution by less than all parties
This Guarantee binds each Guarantor executing this Loan Contract even if:
a. one or more of the persons named in this Loan Contract as a Guarantor does not execute this Loan Contract or is not bound or ceases to be bound by this Loan Contract or the Guarantee; or
b. we do not execute or only subsequently execute this Loan Contract.
13.11 Multiple Guarantors
If a term is used in this Loan Contract to refer to more than one Guarantor, or there is more than one Guarantor, then, unless otherwise specified in this Loan Contract:
a. an obligation of those Guarantors is joint and several;
b. a right of those persons is held by each of them severally; and
c. any other reference to that person, or that term, is a reference to each of those persons separately.
14. Meaning of Words
Account and loan account means any account we open in your name for the purposes of this Loan Contract.
Authorised Representative means:
a. if you are a sole trader, you;
b. if you are a partnership, each of the partners;
c. if you are a company, any director or company secretary; and
d. any nominated representative of yours as described in the Details at the commencement of this Loan Contract, or as otherwise agreed in writing from time to time.
balance means the difference between all amounts debited and all amounts credited to your account.
Borrower means the means the Borrower listed, and as described, in the Details at the commencement of this Loan Contract.
Business Day means a day other than a Saturday or Sunday or a public holiday in New South Wales.
Business Purpose Declaration means the declaration at the end of this Loan Contract made by the Borrower to declare to us that the advance is to be applied wholly or predominantly for a business purposes or investment purposes other than investment in residential property.
Consumer law includes theAustralian Securities and Investments Commission Act 2001 and the Competition and
Consumer Act 2010.
delivered -- any reference to 'delivered' with respect to any Goods that must first be installed before you can use the
Good means delivered by the Vendor or its agent irrespective of when the Good is installed or connected.
Default has the meaning set out in clause 6.
Goods, Services, or Goods and Services means the goods and/or any services purchased by you from a Vendor in circumstances where we have agreed with you or the Vendor to finance your purchase of such goods or services.
Guarantee means the guarantee and indemnity arising under clause 14 when this Loan Contract is signed by one or more Guarantors.
Guarantor means the person (if any) named as Guarantor in the Details at the commencement of this Loan Contract.
Guaranteed Money means all amounts (including damages) that are payable, owing but not yet payable, or that otherwise remain unpaid by the Borrower to us on any account at any time in connection with this Loan Contract, whether present or future, actual or contingent or incurred alone, jointly, severally or jointly and severally and without regard to the capacity to which the Borrower is liable.
Insolvent means that one or more of the following occurs to a person:
a. they are (or state they are) an insolvent under administration or insolvent (each as defined in the Corporations Act 2001);
b. they have a controller appointed, are in liquidation, in provisional liquidation, bankrupt, under administration or wound up or have had a receiver or a receiver and manager appointed to any part of its property;
c. a compromise, arrangement, assignment, moratorium, or composition is proposed with, or becomes effective in relation to, their creditors or any class of their creditors (in each case, other than to carry out a reconstruction or amalgamation while solvent on terms approved by us);
d. an application or order has been made (and, in the case of an application, it is not stayed, withdrawn or dismissed within 30 days), resolution passed, proposal put forward, or any other action taken, in each case in connection with them, which is preparatory to or could result in any of the things referred to above;
e. they are taken (under section 459F of the Corporations Act 2001) to have failed to comply with a statutory demand;
f. they are the subject of an event described in section 459C(2)(b) or section 585 of the Corporations Act 2001 (or they make a statement from which we reasonably deduce they are so subject);
g. where they are a natural person, they commit an act of bankruptcy within the meaning of the Bankruptcy Act 1966;
h. they are otherwise unable to pay their debts when they fall due; or
i. something having a substantially similar effect to any of the things referred to above happens in connection with them under any law.
Loan Amount is the total amount of credit that Brighte has approved you to borrow under this Loan Contract.
Loan Contract means these Terms and Conditions and the Schedule that comprise your contract with us for your Brighte Business Loan.
Nominated account means:
a. your nominated bank account that is the subject of a direct debit authority; or
b. your approved card account with a financial institution that is the to be debited under the recurring payment authority,
you provide to us to facilitate your payments to us under this Loan Contract.
Payment card means a credit or debit card that we are authorised to debit under an approved credit authority you provide to us.
Schedule means the document that set out the Details and the Payment Schedule and, amongst other things, the payments that you are to make to us in respect of an advance made by us under this Loan Contract for you to purchase Goods and/or Services from a Vendor.
Security Interest means: a security interest that is subject to the *Personal Property Securities Act 2009 *(Cth); any other mortgage, pledge, lien or charge; or any other interest or arrangement of any kind that secures the payment of money or the performance of an obligation or which gives a creditor priority over unsecured creditors in relation to any property.
Terms and Conditions means this document.
Vendor means a merchant or other vendor that is, at the relevant time, approved by us as a supplier of Goods or Services in respect of which we have agreed to provide finance to suitable customers of that merchant or other vendor.
We, our and us means Brighte Capital Pty Limited ABN 74 609 165 906 and its successors and assigns.
You and your means the Borrower listed in the Details at the commencement of this Loan Contract and includes your successors and assigns. If there is more than one of you, each of you is liable for all obligations under the Contract individually and jointly.
Contact Us
Phone: 1300 BRIGHTE (1300 27 4448)
Email: info@brighte.com.au
Web: www.brighte.com.au
Mail: Level 15, 1 Margaret St, Sydney NSW 2000