The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of South Australia and the Commonwealth of Australia ("Australian law"). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information in this site is current at the date of publication but may be subject to change.
Scope of Authorisation
As an authorised credit representative of COG Aggregation Pty Ltd. ACL No.389527, I am authorised to engage in the following types of credit activities under the National Consumer Credit Protection Act 2009 (NCCP Act):
Specific Authorised Activities
Responsible Lending Obligations
As an authorised credit representative, I am committed to meeting responsible lending obligations by ensuring that any credit product recommended to a consumer is suitable for their financial situation and objectives. This involves:
By providing these services, I aim to help consumers make informed decisions about their credit options and ensure that they receive credit products that are appropriate for their needs and circumstances.
Dispute Resolution Policy
At Speak Easy Finance our aim is to provide our customers with superior service, but we know that despite our best efforts sometimes things can go wrong. If you have any concerns with the level of service received or believe we haven’t handled your PI in accordance with our privacy policy or the APPs, it is important that we are aware of the issues and have an opportunity to restore your confidence.
We understand that a concern which is left unresolved can lead to a negative lasting impression and we strongly recommend that in the first instance you speak with the person with whom you originally dealt to see if an amicable outcome can be achieved.
If after speaking with your contact you still feel the matter has not been resolved, we invite you to escalate the matter via a complaint to our Dispute Resolution Officer for further investigation.
To assist us, we ask that you clearly explain all matters relevant to the issue and the remedies you seek. Upon receipt we will contact you if any further information is needed.
Investigating Complaints
When we receive a complaint, the Dispute Resolution Officer will attempt to resolve it promptly.
We will observe the following principles in handling your complaint:
Unless there are exceptional circumstances, we will in all instances respond within 30 days of receipt of the initial contact.
If we are unable to resolve the complaint within 30 days, we will:
Our External Dispute Resolution Scheme
If we do not reach agreement on your complaint, you may refer the complaint to the ASIC Approved External Dispute Resolution Scheme managed by the Australia Financial Complaints Authority “AFCA” (www.afca.org.au) whose contact details are below:
GPO Box 3
Melbourne VIC 3001
The External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.
Copyright
The information on this site, including the site source code is the property of Speak Easy Finance and is subject to Copyright. Unauthorised use of the information on this website is not permitted. Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by Speak Easy Finance unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process without the specific written consent of Speak Easy Finance.
Links
This website may contain a number of links to other Internet sites. The provision of these links does not mean Speak Easy Finance endorses or accepts any responsibility for the content, use or products and services made available through these websites. If you use these links, you acknowledge and agree that Speak Easy Finance is not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, or other links provided by these sites. You further acknowledge and agree that Speak Easy Finance is not responsible either directly or indirectly for any damage or loss caused by use or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator.
Disclaimer
The information on this website is general information only and is not intended to be a recommendation. We strongly recommend you seek advice from your financial adviser as to whether this information is appropriate to your needs, financial situation and investment objectives. Whilst every care has been taken in the preparation of this website, Speak Easy Finance, its directors, authors, consultants, editors and any persons involved in the construction of this website, expressly disclaim all and any form of liability to any person in respect of this website and any consequences arising from its use by any person in reliance upon the whole or any part of this website.
Contact us
If you have any questions about this policy or other privacy related procedures for our group, please don’t hesitate to contact us using the details below.
Changes to this policy
Any changes we make to this policy will be updated on our website.
