Privacy & Terms
So the latest Sarah J Maas novel hasn't captured your attention? Interesting...
Well if you're up for some light reading, feel free to peruse our terms. There are more interesting things to read, of course.
But as people who cross our T's and dot our I's, we would suggest they're important.
Privacy Policy
Inspired Asset Finance is committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information.
We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The NPPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.
A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/.
1. What is Personal Information and why do we collect it?
Personal Information is information or an opinion that identifies an individual. Examples of Personal Information we collect includes names, addresses, email addresses, phone and facsimile numbers.
This Personal Information is obtained in many ways including through our website, phone, by email, from media publications, publicly available sources, from cookies and from third parties. We don’t guarantee website links or policy of authorised third parties.
We collect your Personal Information for the primary purpose of providing our services to you, providing information to our clients and marketing. We may also use your Personal Information for secondary purposes closely related to the primary purpose, in circumstances where you would reasonably expect such use or disclosure. You may unsubscribe from our mailing/marketing lists at any time by contacting us in writing.
When we collect Personal Information we will, where appropriate and where possible, explain to you why we are collecting the information and how we plan to use it.
2. Sensitive Information
Sensitive information is defined in the Privacy Act to include information or opinion about such things as an individual's racial or ethnic origin, political opinions, membership of a political association, religious or philosophical beliefs, membership of a trade union or other professional body, criminal record or health information.
Sensitive information will be used by us only:
• For the primary purpose for which it was obtained
• For a secondary purpose that is directly related to the primary purpose
• With your consent; or where required or authorised by law.
3. Third Parties
Where reasonable and practicable to do so, we will collect your Personal Information only from you. However, in some circumstances we may be provided with information by third parties. In such a case we will take reasonable steps to ensure that you are made aware of the information provided to us by the third party.
4. Disclosure of Personal Information
Your Personal Information may be disclosed in a number of circumstances including the following:
• Third parties where you consent to the use or disclosure; and
• Where required or authorised by law.
5. Security of Personal Information
Your Personal Information is stored in a manner that reasonably protects it from misuse and loss and from unauthorized access, modification or disclosure.
When your Personal Information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information. However, most of the Personal Information is or will be stored in client files which will be kept by us for a minimum of 7 years.
6. Access to your Personal Information
You may access the Personal Information we hold about you and to update and/or correct it, subject to certain exceptions. If you wish to access your Personal Information, please contact us in writing.
Inspired Asset Finance will not charge any fee for your access request, but may charge an administrative fee for providing a copy of your Personal Information.
In order to protect your Personal Information we may require identification from you before releasing the requested information.
7. Maintaining the Quality of your Personal Information
It is an important to us that your Personal Information is up to date. We will take reasonable steps to make sure that your Personal Information is accurate, complete and up-to-date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.
8. Policy Updates
This Policy may change from time to time and is available on our website.
9. Privacy Policy Complaints and Enquiries
If you have any queries or complaints about our Privacy Policy please contact us via our Contact Page.
Website Terms of Use and Disclaimer
Welcome to our website. This website (located at www.inspiredassetfinance.com.au) is owned and operated by Inspired Asset Finance Pty Ltd trading as Inspired Asset Finance Pty Ltd (ABN 54 663 328 470) (“Inspired Asset Finance Pty Ltd”, “we”, “us”). Should you continue to use this website, you are agreeing to comply with and be bound by the following terms and conditions of use and disclaimer which, together with our Privacy Policy, govern our relationship with you in connection with this website. Should you not agree with any of these terms and conditions, please do not use our website.
Your use of this website is subject to the following terms and conditions:
1. Use of our Website
The content of this website is for your general information and use only and is subject to change without prior notice.
You can only ever use our website for lawful purposes (such as researching our goods and services or contacting us) in a manner consistent with the nature and purpose of the website, and in a way that doesn’t impact on anyone else’s use and enjoyment of the website. We have a zero-tolerance policy for users who conduct themselves unlawfully or encourage such conduct, who post any defamatory, obscene, offensive or scandalous material, harass or cause distress or inconvenience to any person, or disrupt the website. We reserve the right to ban any users who engage in such behaviour.
You’re not permitted to change, add to, remove, deface, hack or otherwise interfere with our website or any material or content displayed on the website, or attempt to do any of those things.
Unauthorised use of this website may be a criminal offence and/or give rise to a claim for damages.
2. Intellectual Property
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the content, design, layout, appearance, look, graphics, text, logos, button icons, video images, audio clips, code, scripts, design elements and interactive features of the website, and is protected by copyright under the laws of Australia and through international treaties.
Unless we say otherwise, all rights (including copyright) in the website are owned or controlled by us and are reserved by us.
Any reproduction of the website or website content is prohibited other than in accordance with these terms.
All designs, trade marks, service marks and trade names are owned, registered and/or licensed by us, save for any trademarks reproduced on this website which are not the property of or licensed to us, which are acknowledged on the website.
As a user of our website, we grant you a worldwide, non-exclusive, royalty-free, revocable license to use our website in accordance with these terms, to copy and store the website and its content in your device's cache memory and to print pages from the website for your own personal and non-commercial use.
Except as outlined above, we don’t grant you any other rights whatsoever in relation to the website- all other rights are expressly retained and reserved by us and nothing you do on or in relation to the website will transfer any intellectual property or associated rights.
If you would like to share our website or social media content that’s freely available for re-use or is in the public domain, you are permitted to do so, as long as you attribute same to us and link back to our website. If you’d like to share, re-publish or otherwise use our website or content in a way that you aren’t expressly authorised to do by these terms, please don’t hesitate to get in touch with us.
3. Submissions
We’ll sometimes ask our users to contribute content to our website or social media. Please note before you do so that any material you send to us (including any data, questions, comments, suggestions, ideas, designs, images, videos, audio, marks or other information) will be deemed to be non-confidential and non-proprietary, unless you tell us otherwise. You authorise us to use it for any purpose, without compensation to you.
We maintain a blog on our website to keep you up to date with the latest in Asset Finance. As a website user, we may give you the opportunity to comment on our blog posts. Please note that we do not regularly screen and review blog comments. We reserve the right to remove comments that we consider may not align with our brand values. You are expressly prohibited from posting any comment or content that is defamatory, offensive or otherwise inappropriate. You warrant that all information that you submit to us via our website is true and correct, to the best of your knowledge and information, and that you are the rightful owner of all intellectual property rights in such information.
We may also feature guest bloggers from time to time. We want you to know that we don’t necessarily endorse or support any views, opinions, standards or information expressed in guest blogs and/or the comments section of our blog.
If you find something offensive or inappropriate, please don’t hesitate to get in touch with us and we’ll review the material to see whether it should be removed.
4. Privacy
We take your privacy seriously. All information we collect through your use of the website and how we use and disclose it is set out in our Privacy Policy, which is available on our website.
5. Links to our Website
If you would like to link to our website, please get in touch with us with your URL, a brief description of your website and why you want to establish a link. Please note that if we allow you to link to our website, we may impose certain terms or conditions.
If the nature or content of your website changes in any significant way after the authorised link is established, you must let us know and provide us with a new description of your website. If the change means that your website is no longer a good fit with ours, we may ask you to remove the link. Refusal will constitute a breach of these terms.
6. Links from our Website, to other Websites
We may also, on occasion, include links to other websites which are not controlled by us. These links are provided for your convenience to provide you with further information. You acknowledge that they are used at your own risk. Please note that we include these links for your convenience, however we don’t necessarily endorse or support the views, opinions, standards or information expressed on them. We have no control over the nature, content and availability of those websites. For your own safety, please make sure you check the protocols and standards of the linked sites before using them.
7. Use of Cookies
We use cookies to monitor browsing preferences and to help us improve, promote, and protect our website and services. By continuing to use the website, you agree to our cookie policy. You can find out more information about our cookie policy in our Privacy Policy, which is available on our website.
8. Security
Our website is security assured by WIX and Go Daddy. We use our best endeavours to ensure the website is free of any malware, bugs, viruses, trojan horses, ransomware or other harmful code or communications which may be transmitted to or through the website, including links to other sites.
9. Disclaimer and Indemnity
Nothing in these terms limits or excludes any rights, guarantees, warranties, representations or conditions that you are entitled to by law that can’t be limited or excluded, including under the Australian Consumer Law, which forms Schedule 2 to the Competition and Consumer Act 2010 (Cth) (ACL).
Apart from that, to the extent permitted by law, we exclude all terms, guarantees, warranties, representations or conditions as to the performance, accuracy, timeliness, completeness or suitability of the information and materials found or offered on this website for any purpose which are not expressly stated in these terms. You hereby acknowledge that such information and materials may contain mistakes, inaccuracies or errors and we expressly exclude any liability for such to the fullest extent permissible by law.
We will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable consumer guarantee to which you are entitled under the ACL), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the website or these terms (including as a result of not being able to use the website), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise. If we can’t exclude liability but we can limit it, we limit it to the maximum extent permitted under section 64A of the ACL.
We make the website available to you, however you use it at entirely your own risk, for which we will not be liable. Everything on the website is provided "as is" and "as available" – we don’t make any representations or warranties of any kind – and we exclude all liability for loss or damage you might suffer because of:
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failures, errors, mistakes, inaccuracies, interruptions, defects, delays, viruses, lost, stolen, altered or misused data, unlawful third party conduct arising out of the website;
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unsuitable or out of date information on the website (including third party material and advertisements on the website);
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you or any other person acting or not acting, on any information;
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personal injury or property damage of any nature resulting from your or any other person’s access to or use of the website;
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any unauthorised access to or use of information or data, including personal and financial information, collected by us;
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any interruption of transmission to or from the website;
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any unauthorised access to or use of information or data, including personal and financial information, collected by us;
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any malware (bugs, viruses, trojan horses, ransomware or other harmful code or communications) which may be transmitted to or through the website, including links to other sites;
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costs incurred by you in using the website; and
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links which are provided for your convenience.
It is your own responsibility to ensure that any services or information available through this website meet your specific requirements.
You indemnify us from and against all claims, suits, demands, actions, liabilities, costs and expenses (including legal costs and expenses on a full indemnity basis) resulting from your use of the website.
10. Changes to Terms
If we decide to change these terms (and we can do so at any time), we’ll post a copy of our revised terms on our website. Changes to the terms will take effect immediately on being published on the website. Your continued use of the website indicates your acceptance of the revised terms.
11. Severance
If any part of these terms is found to be void or unenforceable by a Court of competent jurisdiction, that part will be severed and the rest of the terms will remain in force.
12. No Affiliation
Our website is not a part of the Facebook website, Facebook Inc, YouTube, Instagram, Snapchat, Twitter or Google, nor is it endorsed by or affiliated with any of those websites or their owners in any way.
13. Termination
The agreement between us constituted by your use of the website may be terminated at any time by us without notice, in which case all disclaimers and limitations of liability will survive termination, however, you will no longer be authorised to access the website.
14. Jurisdiction
As we are based in Queensland, these terms will be governed by the laws of Queensland. In the event of any dispute, we ask that you first contact us, and we’ll do our best to resolve the dispute to our mutual satisfaction quickly, cheaply and efficiently. If we do end up in court, you agree that the exclusive venue for resolving any dispute will be in the courts of Queensland and courts of appeal from them.
This document was last updated: 17/06/2024
Credit Guide & Quote
Date: 17th June 2024
About this Credit Guide
This Credit Guide provides you with important information to help you decide whether to accept our assistance in obtaining a credit contract. This Credit Guide includes the following information:
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Our contact details;
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Our fees, charges and commissions; Our responsible lending obligations;
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Credit providers we conduct business with; and
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What to do if you have a compliant.
1. About Us
Licensee Name & ABN: COG Aggregation Pty Ltd (ABN 99124319857)
Australian Credit Licence Number: 389527
Address: Level 1/1 Elgin Place, Hawthorn VIC, 3122
Phone: 0384209608
Email: compliance@platform.com.au
2. Authorised Credit Representative
We have appointed the following Authorised Credit Representative to provide the credit assistance services on our behalf:
Entity Name & ABN: Inspired Asset Finance Pty Ltd (ABN 54663328470)
Individual’s Name: Candice Hawkins
Australian Credit Representative Number: 512193
Address: Suite 7/11-15 Gardner Court, Wilsonton QLD, 4350
Phone: 0439698123
Email: candice@inspiredassefinance.com.au
3. Our Services
We provide credit assistance to you when we:
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suggest or assist you to apply for a particular credit contract with a particular credit provider; or
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suggest or assist you to apply for an increase to the credit limit of a particular credit contract with a particular credit provider; or
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suggest you remain in a particular credit contract with a particular credit provider.
We will not provide credit assistance where the credit contract would be unsuitable for you. Credit will be unsuitable at the time of the assessment and the time credit is provided if:
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you could not meet, or could only meet with substantial hardship, your fiancial obligations under the credit contract; or the credit will not meet your requirements and objectives.
4. Our Obligations
We adhere to responsible lending obligations as required by the National Consumer Credit Protection Act 2009 Crth (National Credit Act). This means that we will:
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make reasonable enquires about your fiancial situation, requirements and objectives; verify your financial situation; and
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make preliminary assessment about whether a credit contract is not unsuitable for you.
In order to verify your fiancial situation we may:
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ask you for copies of documents that demonstrate your fiancial position; and contact third parties to assist in verifying the information you provide.
5. Preliminary Assessment
If we haven't already provided you with a copy, you may request a copy of our preliminary assessment, and we must provide it to you in accordance with the time frames below:
Timing of Requesting for Preliminary Assessment:
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Within two (2) of us providing credit assistance to you
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Within two (2) and seven (7) of us providing credit assistance to you
Time frame to provide Preliminary Assessment:
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Seven (7) business days
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Twenty-one (21) business days
A copy of the preliminary assessment will be provided free of charge
6. Fees Payable By You
We may charge a fee for providing credit assistance to you. More details about any fees are set out on the Credit Quote attached to this Credit Guide. You can request information from us about the fees and charges that you are likely to pay and how they are calculated by contacting us at the contact details in the About Us section.
Fees and charges will also be payable by you to the lender. You should review the lender's disclosure documents and loan contract for further details of such fees and charges.
7. Our Panel of Lenders
We source finance from a range of lenders. The following are lenders with whom we generally conduct the most business are Pepper Asset Finance, Now Finance Group, Firstmac Asset Finance, Latitude Financial Services, Plenti, Wisr.
These lenders do not necessarily represent all lenders who ffer credit contracts of the nature that you seek.
8. How we are paid
We receive commissions from our panel of lenders when they provide finance to you. The total amount of commission we may receive in relation to your loan may vary depending on:
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the size of the loan;
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the particular type of credit contract you have selected.
We only receive commissions upon the loan being settled.
9. Types of Commission
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Upfront Commissions are payable by lenders shortly after settlement of the loan and are calculated as a percentage of the loan amount. Upfront commissions are generally in the range of 1%-5% of the loan amount.
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Trail Commissions are calculated regularly (e.g. monthly on the outstanding loan amount) and paid in arrears. Trail commission payable by lenders is generally in the range of 0%-0% of the loan amount.
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A Volume Bonus is payable to us by a lender is calculated in range of 0%-2.5%, depending on the aggregate of volume introduced to a lender over a monthly period. The amount of this additional commission cannot be determined at the time of loan statement.
You can request detailed information from us about the remuneration that we receive, how this remuneration is calculated, and our reasonable estimate of the remuneration or commissions that will be payable by contracting us.
10. Referrers and Referral Fees
In some circumstances, your business may have been referred to us by non-regulated third parties such as accountants, motor resellers etc. Where this is the case, we may pay a referral fee to these parties. If we do pay a fee to these parties, then:
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they should already have told you about this; and
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we will either disclose the fee or a reasonable estimate in our Credit Proposal.
You can request further information from us about referral fees that we pay and how these fees are calculated by contacting us.
11. Dispute Resolution Procedures
If you have a complaint about the service that we provide, the following steps or avenues for the resolution are available to you. You can obtain a copy of our Complaints Management Policy free of charge by contacting the complaints officer listed below.
Step 1
Please contact us and tell us about your concerns.
Step 2
If the issue is not satisfactorily resolved by talking with one of our consultant, we will apply our internal complaints process to manage complaint appropriately. In this instance, the complaint will be escalated to the Complaints Offer. You may contact the Complaints Officer directly at the details below:
Complaints Officer
Phone: 0732320505
Email: candice@inspiredassetfinance.com.au
Our Complaints Officer will acknowledge receipt of your complaint within twenty-four (24) hours. If we are unable to resolve the complaint to your satisfaction within five (5) business days, we will write to you advising the procedures we will follow in investigating and handling your complaint.
We will write to you advising you of the outcome of the investigation and the reason/s for our decision, or if required, we will inform you if more time is needed to complete the investigation. We will provide our final response to you within the following time frames.
For disputes involving a default notice: No later than thirty (30) calendar days after receiving the complaint.
For disputes involving applications for hardship notices or a request for hardship notices or a request for postponement of enforcements proceedings is made: No later than thirty (30) calendar days after receiving the complaint. Exceptions apply where we do not have sufficient information to make a decision or if an agreement is reached with you.
For all other disputes: No later than thirty (30) calendar days after receiving the complaint.
Step 3
If you are not satisfied with our final response, you can have the dispute managed externally and independently. This External Dispute Resolution ("EDR") process is available to you, at no cost. The EDR scheme is listed below.
Name: Australian Financial Complaints Authority Member Number: 95197
Phone: 1800 931 678 (free call)
Mail: GPO Box 3, Melbourne VIC 3001 Website: www.afca.org.au
Email: info@afca.org.au
12. Things you should know
We don't provide legal or financial advice. It is important you understand your legal obligations under the credit contract and the financial consequences. If you have any doubts, you should obtains independent legal and financial advice before you enter into any credit contract.
We are not responsible and have no control over the success or otherwise of any finance application we assist you with. Approval of any finance application is at the sole discretion of the lender.
We are not liable for any claim, loss or damage incurred or suffered by you or any other relevant persons as a result of:
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any delay with the approval of your application;
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incorrect or incomplete transmission or any error in any application which has arisen directly or indirectly in connection with or as a result of an act or omission by you, your accountant and/or your legal and financial advisers; or
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failing to assist in arranging finance for you.