Installment Loans is a registered Australian business.
Our Australian Business Number is 13 690 290 821
Our registered address is P.O. Box 5229, Algester, QLD 4115
We comply with the National Credit Act and are a licensed credit provider. Our credit license is issued by the Australian Securities and Investment Commission (ASIC). ASIC regulate the consumer credit industry.
Installment Loans are operating under credit license number 389610.
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
Website related information
We may collect digital information on relating to:
Disclosure and Use of Information
Your personal information and other relevant data are used by us to:
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.
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.
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.
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 firstname.lastname@example.org
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:
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:
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.
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 checks with credit reference agencies may be conducted as a condition of your credit agreement.
Your agreement with us is based on:
You acknowledge that before we advance your funds to you:
Installment Loans can cancel your loan agreement at any time if:
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
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.
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:
Installment Loans believes we were induced to fraudulently enter into the agreement.
After defaulting, enforcement expenses are payable by you.
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.
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.
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.