This credit guide outlines the responsible lending obligations, obligations to provide an assessment and the dispute resolution procedures of Janko Loans Pty Ltd (‘we’, ‘us’, ‘our’) (ABN 47 632 787 458, Australian Credit Licence 518 429). It is a requirement under the NCCP Act to provide this document to you as soon as it becomes apparent that you are likely to enter into a credit contract with us.
As a part of our responsible lending obligations, we are required to not enter into a credit contract with you if the contract will be unsuitable. A contract will be deemed unsuitable if:
In determining whether a contract will be deemed unsuitable, we will:
We must also obtain and consider your account statements that cover at least the immediately preceding period of 90 days.
If you request a copy of our Assessment of Unsuitability for your credit contract:
If you are not fully satisfied with the service we have provided you, you can notify our complaints manager at:
In your complaint, you should provide your preferred contact details and clearly outline the nature and details of your complaint and our complaints manager will be in touch with you.
If you are not satisfied with the outcome from our internal dispute resolution procedures or we have not responded within 21 days, you can refer the matter to the independent external dispute resolution scheme of which we are a member;
Australian Financial Complaints Authority
Phone 1800 931 678
Postal Address GPO Box 3, Melbourne VIC 3001
Should you have any questions regarding any of the information found in this document, or have any other enquiries, please feel free to contact us.