1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Acknowledgement and Consent

I understand that by completing an application for credit that Nifty Finance Pty Ltd will collect, use, hold and disclose my information as outlined in the Nifty Finance Privacy Policy and Nifty Finance Credit Reporting Policy. I declare that I have read the Nifty Finance Privacy Policy and Nifty Finance Credit Reporting Policy, which contain notifiable matters.

Collection of information

I consent to Nifty Finance Pty Ltd collecting personal and credit information from me. I understand that if I do not provide all information that is requested from me, Nifty Finance Pty Ltd may be unable to provide me with their financial services. I also understand that if any of my personal information should change, such as residential address, phone number, email address, etc, it is my responsibility to advise Nifty Finance Pty Ltd of this. I understand it may not always be practical or reasonable to collect information from me and as such I provide my consent for Nifty Finance Pty Ltd to collect personal information about me on an ongoing basis from:

  • publicly available sources such as public registers;
  • referees or point of contacts;
  • employers or income providers;
  • other financial service providers and financial institutions;

If any of these parties should request this Acknowledgement and Consent before providing information, I consent for this to be provided to them.

Use of information

I consent to Nifty Finance Pty Ltd collecting my information for the purposes of providing me with financial services and any related purpose including but not limited to:

  • lending activities including accepting and assessing loan applications and disbursement of credit;
  • credit management functions relating to management of accounts and collection of overdue amounts;
  • customer service requests such as providing access to and updating personal information and resolving disputes;
  • gathering information and statistical data to analyse and evaluate business functions;
  • developing our service offerings and improving overall business processes and efficiency

Disclosure of information

I consent to Nifty Finance Pty Ltd disclosing my personal information in order to provide me with their financial services and any other related purpose as outlined above, on an ongoing basis to:

  • my personal point of contacts, my employers and income providers;
  • other credit providers, financial institutions and debt collection agencys;
  • financiers, insurers, auditors, contractors, agents or service providers Nifty Finance Pty Ltd use to offer services;
  • any other entity.

I understand my information may also be disclosed in other circumstances outlined in the Nifty Finance Privacy Policy and Credit Reporting Policy.

Promotion of Products and Services

I consent to being contacted by Nifty Finance, and any external third parties or agents who act on their behalf, for the purposes of the promotion of products and services. I understand that I may withdraw my consent and request not to receive promotional communications at any time by contacting the Nifty Finance privacy officer at privacy@niftyfinance.com.au

Exchange of Information with Credit Providers

I consent to Nifty Finance exchanging with other credit providers my application information, such as my identification details, what type of loans I have, how much I have borrowed, whether or not I have met my loan payment obligations and if I have committed a serious credit infringement (for example, fraud). I consent to Nifty Finance exchanging and/or selling my personal and credit information to other credit providers for any of the purposes for which I have consented to Nifty Finance, including offering me their products or services.

Exchange of Information with Credit Reporting Bodies

I give my expressed and informed consent to Nifty Finance Pty Ltd exchanging my personal and credit information with credit reporting bodys. I understand that by giving this consent, Nifty Finance Pty Ltd may collect information about me from credit reporting bodies, such as a credit report about me, as outlined in the Nifty Finance Credit Reporting Policy. I also understand that by giving this consent, Nifty Finance Pty Ltd may disclose information about me to credit reporting bodies, such as default information about me, as outlined in the Nifty Finance Credit Reporting Policy. I understand that the details of the credit reporting body(s) that Nifty Finance Exchanges information with are as follows;

Veda Advantage Information Services and Solutions Limited
Email: Membership.query@veda.com.au
Privacy Policy: http://www.veda.com.au/privacy

Electronic Identity Verification

I consent to Nifty Finance disclosing my information, such as name, date of birth, address, phone number and identity document information, such as Drivers Licence and Medicare Card, to a credit reporting body to complete a electronic identity verification. I understand that the credit reporting body will attempt to match the information I have provided with the information they have access to, and provide an assessment. I understand as part of the identity verification process;

  • the information will be subject to an Information Match Request in relation to relevant Official Record Holder information;
  • that the Information Match Request, the Information Match Result and other Information Match Data and our access to and use of the Document Verification Service, may involve use of third party systems and services; and
  • that information provided to or by you in or from Australia will be transmitted to New Zealand or vice versa.

I understand that if no match is found between the details I provide and the information held by the credit reporting body, Nifty Finance will notify me of this. I also understand that if no match is found, I will have the opportunity to provide further documentation to verify my identity. I understand that if Nifty Finance is unable to verify my identity, Nifty Finance will be unable to provide me with financial services.

Electronic Communications

I consent to receiving all communications, information and documents, where possible, from Nifty Finance Pty Ltd through electronic communications, including but not limited to:

  • requests for information regarding credit applications and contract variation requests;
  • disclosure documents such as credit guides and information statements, copy of assessments, credit contract documents, variations of these and credit contract offers;
  • notices, such as missed payment notices, default notices, final notices, settlement notices and account statements;
  • marketing materials and promotions; ;
  • any other communications, information, or documents that must or will be provided to you or which you have requested.

I understand that by giving consent to receiving electronic communications;

  • communications may be sent via any electronic means, such as SMS and email;
  • electronic communications must be regularly checked for communications, information and documents;
  • it is my responsibility to ensure the security of my electronic communications;
  • paper based documents may no longer be given;
  • consent to the giving of documents by electronic communication may be withdrawn at any time.

Commercial Electronic Messages

I understand that under the Spam Act 2003, Nifty Finance may not communicate with me via commercial electronic messages unless I provide my consent. I consent to Nifty Finance communicating with me via commercial electronic messages (email, SMS, fax) in order to provide me with convenient and fast communications.

Electronic Bank Statement Retrieval

I understand that I am not required to use an electronic bank statement retrieval solution, such as that provided by BankStatements.com.au and Credit Sense, and by doing so, I am using these service at my own risk. I understand that by using such as service, I consent to them having read only access to my bank account transaction data and for this data to be provided to Nifty Finance Pty LTD. I understand that the transaction data supplied may include transactions from the previous 12 months from all available accounts. I Acknowledge that before using these services, I have read and agreed to their User Terms & Conditions and Privacy Policys.

Declaration

I declare that I have read and understood this Acknowledgement and Consent document and that I acknowledge, authorise and consent to all the terms that it sets out.