This guide is provided by Mini D Credit Pty Ltd ABN 95 649 002 157 Australian Credit Licence 531599.

The purpose of this Credit Guide is to assist you in deciding whether you want to enter into a credit contract or increase your credit limit on an existing credit contract with Mini D Credit Pty Ltd.

OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU:

We are obligated by law to only provide you with credit or increase your credit limit on an existing credit contract, if it is not unsuitable for you.

For this reason, before we provide you with credit or increase your credit limit on an existing credit contract, we will make an assessment to ascertain that:

• Œ You can meet your financial obligations without substantial hardship; and
•  The contract will meet your requirements and objectives.

We will therefore:

• Œ Make reasonable inquiries about your financial situation, and your requirements and objectives; and
•  Take reasonable steps to verify your financial situation.

You can, within 7 years of the date of the loan contract or credit limit increase, ask for a written copy of our credit assessment of your application. We are not required to provide you with a copy of your assessment if your application is declined or you decide not to proceed with the application.

OUR INTERNAL DISPUTE RESOLUTION SCHEME

We are committed to providing you with the highest level of service. If our service does not meet your expectations, you can contact our Internal Dispute Resolution Department on: 
Telephone: 1300 64 64 33 Address: The Manager, Mini D Credit Pty Ltd,  3 Cape Lane, Sippy Downs, Queensland 4556
Email: disputes@minideposit.com.au

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly and we will keep you informed of our progress in resolving your complaint.

OUR EXTERNAL DISPUTE RESOLUTION SCHEME

If you are not satisfied with the outcome of your complaint, you can contact our external dispute resolution scheme, the Australian Financial Complaints Limited service at:
Telephone: 1800 931 678     
Email: info@afca.org.au
Website: www.afca.org.au

The Australian Financial Complaints Limited service provides our customers with a free alternative to legal proceedings for resolving complaints.