Terms of Use

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Loansbuddy.com.au is owned by Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 is licensed and provide credit services under Australian Credit License 389610.

Our registered address is 8 Budawang Street, Parkinson, QLD 4115 (We do not accept physical applications at this address. Please apply online)

We comply with the National Credit Act and are a licensed credit provider.

Protecting the privacy of visitors to our website is one of our top priorities. By visiting our website, you are agreeing to our terms of use and privacy policy.

Collection of Information

We collect your personal information and other data for the purpose of providing credit broking services. This information will help us to find you one of the most suitable unsecured loans online from our panel of lenders. It is your crucial that you provide us with complete, accurate and correct information. If you omit information or provide us with information that is incorrect or inaccurate, Installment Loans may not able to provide credit broking services to you or refer you to a credit provider.

Changes to your personal information

It is your responsibility to ensure that the details provided to you in your application when you apply for a loan are correct and complete. You must inform us immediately if any of your personal information changes.

Types of personal information collected and tracked by Installment Loans

Personal information provided by you

• We store the information entered by you into our online forms and surveys when you visit our website. This includes your name, address, occupation, gender, age, email address, income details, bank account details and other financial information.

Information provided by third parties.

• We receive information about your credit history and credit worthiness from third party credit bureaus, credit reporting agencies, and other lenders.

Website related information

We may collect digital information on relating to:

• Your webpage http headers, domain names on your home server, IP addresses, and the types of computers and web browsers you are using.
• Specific and aggregated information on which pages visitors' access on our website
• Interaction with our website. Cookies are used to store and receive information about how you interact with our website. This information is used to customise our online information. Cookies are also used to find out which of the pages are most popular and inform us who (which members and subscribers) are using our site. This helps us to customise our on-line information more effectively.
• Email addresses from email communications received from visitors to our website.
• Email interactions are monitored including whether recipients have opened an email, and which links/images in the email have been clicked on. We do this to ensure that we are providing materials of interest to you.
• Telephone calls made to the specified telephone numbers on our website, advertising/correspondence/marketing material may be recorded for regulatory, training and quality purposes.

Disclosure and Use of Information

Your personal information and other relevant data are used by us to:

• Assessing your application and eligibility for short term loans.
• Find the best personal loans to suit your current situation from our panel of credit providers. We provide your information to our credit providers, so they can confirm your eligibility and acceptance of a fast cash loan online.
• Enhance your user experience on our website
• Transmit marketing communications
• Make improvements to our website
• Statistical analysis
• Editorial or feedback purposes.

By providing us with your personal information you consent to us sharing it with third parties to:

Conduct certain functions of our business on our behalf.

For example: Database providers assist in identity verification, credit scoring, credit reporting, debt collection, lead generation and provision. These third parties have limited access to your data. We only provide them with the data they need to perform their function.

Prevent Fraud.

If fraud is identified by Installment Loans because you provided us with false or inaccurate information, including false and inaccurate information about your identity, we will pass on your personal information and relevant data to fraud prevention and law enforcement agencies. Law enforcement and fraud prevention agencies may use and access this information.

Information about our product and services

We may contact you via telephone, fax, email, SMS or automated messages to inform you about products and services we offer that may be of interest to you.

Direct marketing from third parties

The contents of our customer database are shared with selected 3rd parties. By providing us with your mobile number and email address you consent to your information being passed on to third parties who may contact you via phone, email or SMS with offers that may be suitable for you. To opt out of receiving information from third parties you can use the "unsubscribe" function in the marketing email or SMS sent to you. You can request to opt-out of the use of your personal information for marketing purposes, and we will honour this once we have had a reasonable opportunity to process your request.

To third parties who may be able to provide you with payday loans or personal loans if we decline your application.

If we are unable to accept your instant cash loans application there may be third parties who may be able to offer you a product or service that meets your needs. In this case, third parties may pass your personal information onto a lender who may carry out further credit checks, if required. This lender or third party will contact you to confirm if they accept or decline your application. This lender will have their own privacy policy and they will request for you to agree to their privacy policy with respect to how they will use your information.

Use and Disclosure of Email Communications

If legally required, we will retain the content of emails sent to us. If appropriate, your email address will be recorded against the relevant company name in our confidential customer database.

Security Information

Installment Loans takes reasonable care to ensure personal information submitted via our website is secure. We regularly review new developments in security and encryption technology. We cannot guarantee complete security of data transmission over the internet. The information you transmit to us from our online products and services and is done so at our own risk.

Once we have received your transmission, we will take the necessary steps to preserve the security of your information.

Access to your personal information

By law, you have the right to request access to the information we hold about you. To request access to your information and for privacy related queries, you can email us at info@installmentloans.com.au

There are limited circumstances where we are legally prohibited to give you access to the information held by Installment Loans about you.

We may charge a fee for access requests and they must be received in writing. Information requests from separate affiliates within our group require separate requests in writing and may require separate fees to be paid for each request.

Links to Third Party Websites

Installment Loans has links to third party websites on our website. Third party websites are not operated by us and outside of our control. Installment Loans does not accept liability for the content or availability of any third-party site. We provide third party links on our website for your convenience, but we do not endorse any third-party webpages that we link you to. We recommend you read the terms and conditions of these websites before you use them and direct any questions about their contents to the relevant website provider.

Copyright and Trademarks

Installment Loans and its related companies own all trademarks, copyright and all other intellectual property on our website and its content (including without limitation the information, material, pages and screens) included in the website and all the source codes and software connected with our website ("Intellectual Property").

Installment Loans prohibits the use of our "Intellectual Property" without our express permission.

Installment Loans' ABN is 13 690 290 821.
Installment Loans' credit license number is 389610

Loans are available to persons aged over 18 only and are subject to status. Installment Loans does not lend or make credit decisions. Installment Loans is not a lender and does not make credit decisions about quick cash loans. Installment Loans match customers' loan applications with lenders on our panel who offer SACC loans depending on the information provided. We do not guarantee approval of any small cash loans and the amount approved is at the discretion of the lender. We do not guarantee the timeframe to process same day loans. Installment Loans' website does not directly endorse any specific products or services. The information we provide on our website is an opinion only.

Usage of our website

Users take full responsibility for their use of our Installment Loans' website. By using our website, you agree to abide by our terms. You must ensure that any person who uses your computer also complies with these terms.

You are not permitted to:

• Knowingly transmit any virus or other harmful matter to our website.
• Attempt to interfere with the proper working of our website with any devices, software or routine.
• Attempt to reverse engineer, disassemble, decipher or de-compile any part of our website or the software it is comprised of.

Limitation of Liability and Disclaimers

We take reasonable steps to ensure the information on our website is accurate, current, complete, correct and available but we do not give any guarantee this information. We do not offer any express or implied guarantees.

Use of our website and the materials it contains is at your own risk. Installment Loans is not liable for any damages or losses, direct or indirect, that you may suffer as a result of using our website including but not limited to:

• System or computer failure
• Delays and interruptions of website access
• Non-delivery or mis delivery of data
• Computer viruses or other harmful components
• Security breaches
• Unauthorised use of the system from hacking

You are solely responsible for adequately protecting your computer system, backing up data and undertaking reasonable and appropriate precautions to scan your hardware and software for computer viruses and other destructive properties.

Information provided on our website may be changed at any time without notice. Changes may be made to the terms at any time. Any revised term takes effect from the date the change is made on our website. You agree to regularly review our terms and your continued use of our website means that you agree to any changes.

You are not permitted to set up backlinks from your own websites to Installment Loans' website without prior written consent from us which we can grant and withhold at our discretion.

Email security

Security of emails sent cannot be completely guaranteed. Emails have the potential to be intercepted, lost or altered. We are not responsible for the lost or intercepted emails that may be altered during transmission. We will not be liable for any damages to yourself or any associated parties connected to messages between you and Installment Loans over the internet.

Credit checking

Credit checks with credit reference agencies may be conducted as a condition of your credit agreement.

Loan Agreements

Your agreement with us is based on:

• The information provided to us by you. Your contract is formed by you making an offer to us. Once our own enquiries and assessments are completed, and you have signed the required documentation we will accept your offer. Until we accept your offer, there is no agreement.

You acknowledge that before we advance your funds to you:

• If Installment Loans is satisfied that your identification verifies your identity according to our internal policy and any relevant legislation.
• If Installment Loans has sufficient evidence to verify your income and expenses.
• If Installment Loans has adequate information about the requirements and objectives to be met applying for and obtaining the loan.
• If Installment Loans is able to make an assessment that the loan contract is suitable for you, and you can meet your obligations of the contract without undergoing financial hardship and the loan meets your requirements.
• If Installment Loans has completed a credit check, that a satisfactory report has been received from a credit reporting body.
• If Installment Loans has received all the necessary information and documents requested to process your application.
• If Installment Loans has advised, you that your loan application has been approved in writing or electronically.

Cancellation policy

Installment Loans can cancel your loan agreement at any time if:

• the information you have provided is not true, incorrect or incomplete.
• Your circumstances change between receiving your application and advancing the loan.
• Installment Loans is not liable for any costs, damages or expenses incorrect as a result of your loan being cancelled.
• You acknowledge that we have advised you: You should obtain independent financial and legal advice relation to the agreement from Installment Loans.
• If you default on a payment, we may report the matter to a credit reporting agency and it may have an adverse effect on you chances of obtaining successful financial applications in the future.

Establishment Fees

You agree to pay the established fee set out in your loan contract and the establishment fee forms part of your credit.

Payment to You
The total amount of your payday or personal loan will be paid to you on the intended settlement date as disclosed in the offer you receive from Installment Loans.

The amount paid to you will be debited to your nominated account provided to and held by us upon which fees may accrue.

Repayments, Fees and Charges

You permit to be charged fees in accordance with your loan agreement. These fees will be debited from your nominated bank account on their due date(s) and will be paid to us on demand.

Under your obligations to Installment Loans, you agree to:
Pay Installment Loans your repayments, fees and charges as specified on your loan contract via direct debit, from your nominated bank account on the agreed dates.

Pay Installment Loans on demand for any enforcement expenses incurred by enforcing our rights if you breach the terms of our agreement with you.

Ensure Installment Loans are aware of your correct and current address, e-mail and telephone numbers and to notify us within 7 days of any changes to your details.

Default

Our agreement is in default if you do not comply with all the terms of your agreement.

If you default on your obligations, Installment Loans will send you a default notice explaining what the default is and how to remedy it.

If you do not remedy the default according to the notice, the total outstanding amount of your loan, plus all fees and charges may become due immediately and is payable to Installment Loans.

If you are in default, subject the relevant laws and codes, Installment Loans may report this default to a credit reporting body.

You will be considered to be in default of your agreement with Installment Loans if:

• Amounts due are not paid in full on or before the due date on your agreement.
• You fail to comply with any condition on your agreement. Installment Loans. You commit an act of bankruptcy including entering in a Part IX agreement pursuant to the provisions of the Bankruptcy Act.
• You fail to advise us within 7 days of any changes to your address, phone number and email.

discovers that the information on your application is incomplete, false or incorrect.

Installment Loans believes we were induced to fraudulently enter into the agreement.
After defaulting, enforcement expenses are payable by you.

Statements

Installment Loans will provide you with statements of your account when required as dictated by law.

You may ask for a statement any time. Installment Loans may charge a fee.

Payments

Installment Loans will credit you for your payment on the day it is received. If your payment takes a few days to land with us, it will not be considered "made" until the day Installment Loans receives it.

You are not entitled to change the amounts of payment due. You cannot deduct anything from payments that you claim to be owed by us or that we may owe you in the future.

Early Repayment

You can repay your loan amount or any payments due on your agreement any time before the due date.

You will not be penalised for making a payment before the agreed due date.

Unless agreed upon, no deductions will be made to your fees or charges on your agreement if you pay early and no refunds will be made.