This credit guide gives you information about us (Brighte Capital Pty Ltd Australian credit licence number 508217) and our responsible lending obligations. This guide provides you with information about credit we may provide to you that is regulated under the National Consumer Credit Protection Act 2009 (the Act). It contains a summary of certain obligations we have under the Act in relation to such credit and what you should do if you have a complaint or dispute about how we provide the credit.
Before entering into a credit contract with you or increasing a credit limit under an existing credit contract, we must assess if the credit contract or credit limit increase will be unsuitable for you.
To make this assessment, we must make reasonable inquiries about your requirements and objectives for the credit contract or credit limit increase. We must also make reasonable inquiries about your financial situation and take reasonable steps to verify this information.
A credit contract or credit limit increase will be unsuitable if at the time it is being provided to you it is likely that you will be unable to meet your financial obligations (e.g. repayments) under the credit contract or are unable to do so without substantial hardship. The contract will also be unsuitable if it does not meet your stated requirements or objectives.
If we assess that a proposed credit contract or credit limit increase is unsuitable for you, we cannot provide it to you.
Obtaining a copy of the assessment
You may request a copy of the assessment (at no cost to you) before entering into the credit contract or obtaining the credit limit increase or at any time up to 7 years after you enter into the credit contract or your credit limit is increased. To request a copy of the assessment please contact us on 1800 BRIGHTE or email firstname.lastname@example.org.
Please note that we are not required to provide you with a copy of the assessment where the credit contract or credit limit increase does not proceed.
Lodging a complaint
Your feedback about the services you receive from us and our products can help us understand and address issues we otherwise might not know about.
If you have any concerns, feedback or complaints you should first discuss the matter with us to see whether we can satisfactorily resolve it. You may tell us of your concerns by calling us on 1800 BRIGHTE or email email@example.com. You may find our complaints policy at https://brighte.com.au/complaints.
How long will it take?
If you raise an issue with us, we’ll address it as quickly as possible. Complaints can often be resolved within one business day. If your issue can’t be resolved straight away, we’ll make sure we see it through. In nearly all cases, you can expect that your concern will be resolved within five business days. In the event that it takes us longer than five days to resolve or investigate, we’ll ensure that you’re regularly updated.
Need more options? Our external dispute resolution scheme If we are unable to resolve the dispute to your satisfaction, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA is a fair, independent and free external dispute resolution scheme to resolve disputes. Before AFCA can investigate the matter, you must have first given us the opportunity to review it.
The contact details for AFCA are:
© Brighte Capital Pty Ltd | 1300-274-448 (BRIGHTE) ABN 74 609 165 906 | Australian credit licence number 508217