Terms & Conditions

Privacy Statement:

As part of the application process to assist you for credit we will ask you to
provide us with information of a personal nature in relation to your financial
affairs.

Privacy Act 1988 Authorisation:

In accordance with the Privacy Act 1988, I acknowledge and agree that Direct
Personal Loans, as a credit assistance provider needs to disclose to me and
obtain from me authorisation to process my application. The authorisation is
related to the information that is obtained before, during or after the provision of
credit is granted.

Electronic Transaction Act 1999:

In accordance with The Electronic Transaction Act 1999, I acknowledge and
agree that Direct Personal Loans, as a credit assistance provider may send,
receive and request electronic communication. The authorisation is related to
the information that is obtained before, during or after the provision of credit is
granted.

Acknowledgements:

In accordance with the Terms and Conditions within all Authorisations and
Consent, I also acknowledge, including but not limited to;

Anti Money Laundering & Counter Terrorism Act 2006: I
acknowledge and understand that Direct Personal Loans must provide
AUSTRAC information with matters of suspicion that may be related to an
offence, which may include money laundering, the financing of terrorism,
proceeds of crime, tax evasion, a person is not who they claim to be, or any
other offence under a Commonwealth, State or Territory law.

Disclosure: By entering information into any part of this website I
acknowledge and consent to exchanging/providing the information and personal
details to a third party, employers, landlords, credit reporting agency, debt
collection agency, legal/court/tribunal, or any external service that Direct
Personal Loans may nominate at any time after making an application.

Information Accuracy: I acknowledge and agree that I have been
expressly warned not to apply for credit if I am unable to repay it. The
information that I have supplied in the application is true and correct.

Legal Advice: I acknowledge and understand that I have the right to obtain
independent legal/financial advice prior to entering into a loan/credit agreement.

Responsible Lending: I acknowledge and agree that Direct Personal Loans
uses and adopts current and relevant responsible lending laws. As a Licenced
Lender, Direct Personal Loans abides by the rules and regulation of the finance
industry. A short term high cost loan may not be the best option available in the
financial market. There are cheaper borrowing options and assistance services
available. They include government websites: http://www.nilsnsw.org.au and
https://www.moneysmart.gov.au

Indemnity: I acknowledge and agree to indemnify Direct Personal Loans from
all actions, claims, costs, demands, damages, errors, loss or liability arising in
any manner from a breach by the terms of the loan contract/agreement, or
information passed on to a third party, or relevant legal/government body.

Changes to this Agreement: I acknowledge and agree that Direct
Personal Loans has the right to change, modify and remove any of the financial
information described in its agreement with out consent, including fees and
charges, dates for making repayments, amount method of calculation or any
portion of its agreement solely at Direct Personal Loans discretion. If possible,
Direct Personal Loans will try to notify its clients of the agreement changes, but
reserve the rights not to do so.

Jurisdiction: I acknowledge and agree to the terms which are governed by
the laws of New South Wales. Parties submit to the non-exclusive jurisdiction of
the courts of New South Wales.

External Sites & Linking Sites: I acknowledge and agree that when I visit
the website the system will record the date and time of the visit, the pages
viewed, the information downloaded, IP address, home server domain. It does
not identify me personally.
I acknowledge and agree that the use of the website is only for limited
use/access only, the information on this website can be used as a personal
reference only.
No unauthorised materials may be transferred, copied or distributed without
consent.
I agree not link or upload any material that is distasteful, or otherwise offensive,
any content of an illegal nature or abusive nature, discriminative, or is a gambling or of a
betting nature, defamatory or that is threatening in any form.

No Alteration: I acknowledge and agree not to attempt to alter the Direct
Personal Loans website in anyway. I will not transfer or attempt to transfer data,
viruses, codes, or any material that could cause harm to the site, or interrupt the
operation, or damage any of its security.

Disclaimers: I acknowledge and understand the information regarding this
website and/or mobile phone application, makes no warranties or
representations, including but not limited to any warranty as to *accuracy,
*advise, *completeness, *currency, *opinion, *typographical errors, *reliability,
*security, *stability, *timeliness, *merchantability, *fitness for a particular propose,
*statements or information.

Limitation of Liability or Damages, & Exclusion: I acknowledge and
agree that I am responsible to verify any information supplied/resupplied before
relying on it; any loss or damage however caused, including negligence, which
may be directly or indirectly suffered in connection with the use of this website
and extends to third parties; any business interruption, loss of revenue and loss
of/or damage to data/information, or any other harmful element that interferes
with the operations of a computer system or an external site in connection with
the use of this website and/or phone application.
I acknowledge and understand that Direct Personal Loans has the right, that
should a liability occur, for a breach or term which is not implied by law, shall not
exceed an amount equal to a fee paid, in respect to the matter, to which the
breach relates.

Copyright: I acknowledge and understand the information contained on this
website is owned by Direct Personal Loans. The information may not be
reproduced, distributed, copied, used, or otherwise be transmitted. The use of
the information on this website is used as a reference guide to view and
download for ones personal use only.

Dispute Resolution: I acknowledge and agree that should I have a
complaint about Direct Personal Loans service, the service provided or of any
loan/ credit officer or need more information, I would contact The Direct Personal
Loans Internal Dispute Resolution Officer; on 02 9831 3311 or via email at
dpl@bigpond.net.au .We will endeavour to assist your dispute in a timely
manner.

The external dispute resolution service is a free service established to provide
advice and help to resolve complaints that have not been resolved after an
internal dispute has failed.

AFCA: Australian Financial Complaints Authority.
Phone : 1800 931 678
Fax : 03 9613 6399
http://www.afca.org.au