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Terms and Conditions Web
Effective Date: [Dec 2024]
Welcome to jaislendingsolutions.com.au. By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using our website or services.
1. Purpose of Our Services
At Jais Lending Solutions, we empower our clients to turn their property dreams into reality. Our personalized services, expert guidance, and access to a wide range of competitive lending solutions are designed to make the journey to homeownership and property investment smooth and straightforward.
These terms govern your use of our website and outline your responsibilities when engaging with our services.
2. Eligibility
By using our website, you confirm that:
- You are at least 18 years old.
- You have the legal authority to enter into binding agreements.
- The information you provide is accurate, complete, and up to date.
3. Use of the Website
You agree to use this website only for lawful purposes. Prohibited activities include but are not limited to:
- Misusing or disrupting the website.
- Uploading malicious code or viruses.
- Engaging in fraudulent or unauthorized activities.
We reserve the right to restrict access to our website or services if these terms are violated.
4. Lending Solutions Disclaimer
While Jais Lending Solutions offers expert guidance and access to lending options, the final approval of loans and financing is subject to the terms and conditions of third-party financial institutions. We do not guarantee loan approval or specific terms.
5. Intellectual Property
All content on this website, including but not limited to text, images, logos, and designs, is the property of Jais Lending Solutions or its licensors. You may not reproduce, distribute, or modify this content without prior written consent.
6. Third-Party Links
Our website may include links to third-party websites for your convenience. Jais Lending Solutions is not responsible for the content, policies, or practices of these external websites.
7. Limitation of Liability
Jais Lending Solutions is not liable for any:
- Losses or damages resulting from your reliance on the information provided on this website.
- Errors, interruptions, or technical issues affecting the website.
Your use of this website is at your own risk.
8. Privacy
Your use of the website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review this policy for more details.
9. Modifications to the Terms
We may update these Terms and Conditions at any time. Changes will be posted on this page, and your continued use of the website constitutes acceptance of the updated terms.
10. Governing Law
These Terms and Conditions are governed by the laws of [Insert Jurisdiction, e.g., Australia]. Any disputes arising from the use of this website will be resolved in the courts of this jurisdiction.
CREDIT GUIDE
Finsure Finance & Insurance Pty Ltd is a licensed provider of credit assistance to assist you with finance under the National Consumer Credit Protection Act 2009 (”The Act”). This document provides you with information about us and our representative (”we, us, our”), with whom you are dealing and the services we provide.
1. KEY INFORMATION
| Australian Credit Licence holder Address | Finsure Finance and Insurance Pty Ltd |
| Level 27, 10 Carrington Street Sydney NSW 2000, Australia | |
| Phone and e-mail | 1300 346 787, admin@finsure.com.au |
| Australian Credit Licence number | 384704 |
| Internal Complaints Officer contact details | Complaints Manager complaints@finsure.com.au |
| External Dispute Resolution Scheme details | Australian Financial Complaints Authority Website: www.afca.org.au Email: info@afca.org.au Telephone: 1800 931 678 In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 |
- OUR CREDIT REPRESENTATIVES
We have appointed a number of Credit Representatives to provide services to you. Details of the Credit Representative with whom you are dealing are:
| Credit Representative’s name | Mr Carlos Rojas Paz |
| Address | 31 Wood Street, Chatswood NSW 2067, Australia |
| Phone | 0405133241 |
| carlos.rojas@jaislendingsolutions.com.au | |
| Credit Representative number | 561894 |
| External Dispute Resolution Scheme details | Australian Financial Complaints Authority Website: www.afca.org.au Email: info@afca.org.au Telephone: 1800 931 678 In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 |
The Credit Representative (or the business for which the Credit Representative acts) will receive the commissions referred to in Part 8 of this document below.
3. OWNERSHIP
Finsure is ultimately owned by MA Financial Group Limited (ACN 142 008 428). We will only ever assist you with the credit product that we believe is best for you and your circumstances. However, in the event that we introduce you to a loan from MA Financial Group Limited’s or any of its subsidiaries we will specifically disclose this ownership relationship to you again to ensure you understand our relationship with them.
4. PANEL LENDERS
We will provide you with information on a broad range of finance providers and loan products. Once you have chosen a loan or lease that is suitable for you, we will assist in obtaining approval for the finance. We source finance products from a panel of finance providers. Our Current Top providers to which our Representatives introduced borrowers are:
5. INFORMATION WILL BE REQUIRED FROM YOU
Before we suggest or assist you with entering into a loan (or lease) or increasing the credit limit of an existing loan, we must assess if that loan will be unsuitable for you. In order to do this, we will need to ask you a series of questions to make this assessment. This includes:
- making reasonable enquiries about your borrowing objectives and requirements;
- making reasonable enquiries about your financial situation; and
- taking reasonable steps to verify the details of your financial situation.
A loan or increasing the credit limit of an existing loan will be unsuitable if at the time of making the assessment, it is likely that you will be unable to repay the loan or lease or can afford to repay it only with substantial hardship; or the loan or lease does not meet your stated requirements or objectives.
If we provide you with credit assistance, we will provide you with a copy of our preliminary credit assessment that details how we considered the product we suggested.
6. INFORMATION PROVIDED BY US
We do not provide financial or legal advice. It is important to understand your legal obligations under a proposed loan or lease and the financial consequences imposed by the debt. If you have any doubts, you should obtain independent financial and legal advice before you enter into any finance contract.
We do not make any representations about the current value of any real estate you finance through us, or the future prospects of its value. You should always rely upon your own enquiries.
7. FEES PAYABLE BY YOU
We may charge you for our services if you apply for a home loan, an investment property loan, a personal loan or a lease. If a fee is to be charged, this will be disclosed to you in a Credit Quote which will be provided to you before applying for finance.
You may need to pay fees to the finance provider as part of the application process. These will be detailed in a Credit Proposal Disclosure Document that we will provide to you before applying for finance.
8. COMMISSIONS RECEIVED BY US
We may receive commissions from the finance provider that provides your loan or lease. These are not fees payable by you. Further details of the commission earned by us will be provided in the Credit Proposal Disclosure Document that we will provide to you before applying for finance.
We may receive additional commissions or bonuses from finance providers relating to the volume of finance that we arrange. Such payments are dependent upon a number of factors and cannot be quantified at this point.
9. COMMISSIONS AND FEES PAYABLE BY US
Referrals from a broad range of sources are sourced by us and our representatives. For example, we or our representatives may pay commissions or fees to call centre companies, real estate agents, accountants, solicitors or other businesses for referring you to us. These are not fees payable by you. Any referral fee or commission paid in relation to your referral will be disclosed in the Credit Proposal Disclosure Document that will be given to you before applying for finance.
10. OUR INTERNAL DISPUTE RESOLUTION SCHEME
We hope that you are delighted with our services. However, if you have any complaints, you may contact our complaints manager who will aim to resolve your complaint within five business days.
If the complaint is going take longer than five business days, we will keep you updated on the progress and provide you a written response when our investigation is complete. This response will let you know the outcome of the investigation and the reasons for our decision.
11. OUR EXTERNAL DISPUTE RESOLUTION SCHEME
If you are not satisfied with the outcome of your complaint, or you have not heard from us within 30 days, you may refer the matter to the Australian Financial Complaints Authority (AFCA), an ASIC-approved External Dispute Resolution Scheme. External dispute resolution is a service provided at no cost to you, giving you access to an independent mechanism for the resolution of specific complaints or disputes. AFCA’s contact details are included above.
12. PRIVACY DISCLOSURE STATEMENT
We are collecting personal and financial information about you to provide you with our broking services.
- The information you provide will be held by us and our Credit Representative.
- We may use credit information and any other information you provide to arrange or provide finance and other services. These include our Smart Select connection and comparison services.
- We may exchange the information with the following types of entities, some of which are located overseas:
- Persons who provide finance or other products to you, or to whom an application has been made for those products.
- Financial consultants, accountants, lawyers and advisers
- Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services
- Any person where we are required by law to do so
- Any of our associates, related entities, contractors and outsourcing partners some of which are located in the Philippines
- Persons to verify the information you have provided, such as your employer, accountant or superannuation provider
- Any person considering acquiring an interest in our business or assets
- Any organisation providing online verification of your identity
- You may gain access to the personal information that we hold about you by contacting us. You can also contact us for a copy of our privacy policy. Our privacy policy contains information about how you may access or seek correction of the information we hold about you, how we manage that information and our complaints process. Our privacy policy is available from www.finsure.com.au.
If you do not provide the information we may be unable to assist in arranging finance or providing other services.
13. DO YOU HAVE ANY QUESTIONS?
If you have any questions about this Credit Guide or about any other aspect of our services, please do not hesitate to ask us at any time. We are here to assist you.
14. LENDER ACCREDITATIONS
At the time this document was generated, I was accredited with the following Lenders:
| AIA life and health insurance | Honey Insurance |
| AMP Bank | ING |
| ANZ | La Trobe |
| ASCF | La Trobe Commercial |
| ASCF Commercial | Liberty FS |
| Bank of Melbourne | Macquarie Bank |
| Bank of Sydney | ME Bank |
| BankSA | Myloan Elect |
| Bendigo Bank | NAB |
| Better Choice Commercial | NWC Finance |
| Better Choice Home Loans | Pepper Money |
| Bluestone | Prospa |
| CBA | Qudos Bank |
| Deposit Power | Resimac Prime |
| FINSURE Loans BRIDGE | Resimac Specialist |
| FINSURE Loans PLUS | Smart Select |
| Firefighters Mutual Bank | St George |
| Great Southern Bank | Suncorp |
| Health Professionals Bank | Teachers Mutual Bank |
| Hejaz Islamic Credit Solutions | UniBank |
| Westpac |
