Credit Guide

1. About This Credit Guide

This Credit Guide provides important information about the credit assistance services offered by Believe Finance, how we are remunerated, and how we comply with Australian credit laws.

It is designed to help you make an informed decision when using our services.

2. About Believe Finance

Believe Finance is an Australian finance platform that provides credit assistance to individuals and businesses by helping them apply for and obtain suitable credit products from a panel of lenders.

We operate a digital-first platform that enables clients to:

• Submit finance applications online or via mobile devices
• Compare loan options from multiple lenders
• Upload documents securely
• Receive personalised support throughout the application process

3. Our Licence Details

Believe Finance operates in accordance with the National Consumer Credit Protection Act 2009 (NCCP Act).

Credit Representative

Believe Finance may act as a Credit Representative of a licensed entity.

• CRN: 573900
• ACL Number: 543697

4. What Services We Provide

We provide credit assistance services, which may include:

• Suggesting or assisting you to apply for a credit contract
• Providing information about credit products
• Assisting you to complete and submit loan applications
• Liaising with lenders on your behalf

Types of Credit We Assist With

• Home Loans and Mortgages
• Loan Refinancing
• Car and Vehicle Finance
• Personal Loans
• Business Finance
• Asset Finance
• SMSF Loans (where applicable)

5. Our Responsible Lending Obligations

Under the NCCP Act, we are required to:

• Make reasonable inquiries about your financial situation, requirements, and objectives
• Take reasonable steps to verify the information you provide
• Assess whether a credit contract is not unsuitable for you

You have the right to request a copy of your credit suitability assessment within:

• 7 years of the credit assistance being provided

Requests can be made using our contact details below.

Email : Support@believefinance.com.au

6. How We Are Paid

Believe Finance may receive commissions or fees from lenders when a loan is successfully settled.

Commission Types

• Upfront Commission: A percentage of the loan amount paid by the lender
• Trail Commission: Ongoing commission paid over the life of the loan

In some cases, we may charge a brokerage or service fee, which will be disclosed to you prior to proceeding.

You are entitled to request information about:

• The commission we receive
• How we are remunerated for your loan

7. Lender Panel

Believe Finance works with a panel of Australian lenders, which may include:

• Major banks
• Non-bank lenders
• Specialist lenders

We do not represent all lenders in the market. Our recommendations are based on your individual circumstances and the lenders available to us at the time.

8. Conflicts of Interest

We have policies and procedures in place to manage conflicts of interest.

If any conflict arises that could reasonably influence our recommendations, we will disclose it to you.

9. Privacy & Data Protection

We are committed to protecting your personal information and comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

Your personal information may be shared with:

• Lenders
• Credit reporting bodies
• Service providers (e.g., verification and processing services)

For more information, please refer to our Privacy Policy available on our website.

10. Credit Reporting

We may collect and disclose your personal information to credit reporting bodies for purposes including:

• Assessing your creditworthiness
• Verifying your identity
• Meeting legal and regulatory obligations

You have the right to:

• Access your credit information
• Request corrections if your information is inaccurate

11. Complaints Resolution

We are committed to resolving complaints fairly and efficiently.

Internal Dispute Resolution (IDR)

If you have a complaint, please contact us:

• Email: support@believefinance.com.au
• Phone: 0451256365

We will acknowledge your complaint promptly and aim to resolve it within 30 days.

External Dispute Resolution (AFCA)

If you are not satisfied with our response, you may contact:

Australian Financial Complaints Authority (AFCA)

• Website: www.afca.org.au
• Phone: 1800 931 678
• Email: info@afca.org.au

AFCA provides a free and independent dispute resolution service.

12. Important Information

• We do not guarantee loan approval
• Loan approval is subject to lender criteria and your financial circumstances
• Interest rates, fees, and terms vary between lenders
• You should carefully review all loan documents before accepting any offer

13. Contact Us

If you have any questions about this Credit Guide or our services, please contact:

Believe Finance

• Phone: 0451256365
• Email: support@believefinance.com.au
• Website: www.believefinance.com.au