Please note:
Terms of Use
This site is operated by [Finance Ezy Pty Ltd (ACN 108 225 841) Finance Ezi (we, us or Finance Ezi). Your access to and use of our loan calculator Finance Ezi online calculator site and sub domains at www.financeezi.com.au (Web site) and the data available on this Web site (Content) is subject to these terms, and our Privacy Policy (Terms).
You are requested to read the Terms before you use this Web site. By using and continuing to use this Web site, you will be deemed to have agreed to these Terms. If you do not agree to these Terms, you should not continue to use this Web site.
Changes to these Terms
From time to time, we may need to change these Terms to reflect our changing business. We may also need to change these Terms if we are required by law, for security reasons or for technical or infrastructure reasons.
We may change the Terms at any time by posting the changed Terms on this Web site and by posting a notice to users on the www.financeezi.com.au homepage stating that a change has occurred.
Your Use
This Web site and the service (service) provided through this web site are made available for personal or non-commercial use only. You may not use the service to supply a product or service, or to increase traffic to your web site for commercial reasons, such as advertising sales. You may not, without express written permission from us, take the results from the www.financeezi.com.au search and reformat and display them. You also may not mirror the www.financeezi.com.au home page or results pages on your web site. You may not send automated queries of any kind to the www.financeezi.com.au search engine without prior written approval from www.financeezi.com.au nor may you data mine this Web site. www.financeezi.com.au may add to, remove or vary any information on this Web site at any time.
You may not send automated queries of any kind to the Finance Ezi search engine without prior written approval from Finance Ezi nor may you data mine this Web site. Finance Ezi may add to, remove or vary any information on this Web site at any time.
Copyright and trade mark notice
The material on the Web site, the software, design, text and graphics comprised in the Web site and the selection and layout of the Web site are owned by or licensed to us and protected by Australian and international laws.
The Web site does not grant you a licence nor act as a right of use of any of the trademarks or logos, whether registered or unregistered, that are displayed on the Web site without the express written permission of the trade mark owner.
You may view the Web site and its contents using your web browser. In visiting the Web site, you are able to save an electronic copy of the Web site by means of the usual operation of your web browser only.
You may print, copy, download and view materials on the Web site subject to:
1. the material being used in a manner reasonably anticipated by www.financeezi.com.au and
2. the material not being modified in any way.
You must not modify, copy, reproduce, republish, frame, upload to a third party, post, transmit or distribute the content of the Web site in any way except for any reasonable purpose associated with the use of the Web site. www.financeezi.com.au owns all of the original intellectual property contained in and supported by the Web site and you are prohibited from copying or otherwise modifying or altering the intellectual property for a commercial purpose.
Other web sites
This Web site may contain links to other web sites which are not maintained or controlled by us or our related companies (third party site). Third party sites are not part of this Web site. These links are provided by us solely for your convenience.
We make no representations or warranties whatsoever about any third party site. We do not endorse, and accept no responsibility for, the content or use of any third party site. If you link to any third party site, you leave this Web site and do so entirely at your own risk.
Access to the Web site outside Australia
We do not represent or warrant that this Web site or the Content complies with the laws of any country outside of Australia. If you access and use this Web site or the Content from outside Australia, you do so at your own risk.
No warranty
We take all reasonable care in compiling the Content. However, the Content is provided 'as is' and we do not warrant or represent that it is complete, current or free from errors or omissions.
We cannot screen all advertisements on the Web site. We do not assume any responsibility for the content of any advertisement available through this Web site. We will not be responsible for any offensive language or otherwise objectionable content contained in this Web site.
We provide our services with reasonable care and skill and endeavor to ensure availability of our services and access to this Web site. However, the availability of our services and access to this Web site may be interfered with by numerous factors, including those outside our control (such as malfunction in equipment or software, Internet access difficulties, or delay or failure of transmission). Accordingly, we do not warrant or represent that our services and/or your access to this Web site or the Content will be continuous, uninterrupted, timely, fault free, virus free or secure.
We accept advertisements for this Web site in good faith on the basis of warranties provided by each advertiser. We do not warrant or represent that the products or services advertised on this Web site will be suitable for any particular purpose, or that an advertiser has particular qualifications, or that the qualifications claimed by an advertiser are valid, or that any statements of the advertiser are true and are not misleading or deceptive. You must investigate for yourself the suitability, quality and condition of any goods or services advertised on this Web site and it is your responsibility to verify any information in the advertisements on this Web site.
If you become aware of any inaccuracies or omissions in the information on this Web site we would be grateful if you could bring this to our attention by calling 1300 003 003 or emailing us at
enquiries@www.financeezi.com.au?time=1328257339
Information does not represent professional advice
You acknowledge and agree that information published by us on the Web site, is intended to provide general information only and which may not be applicable to your particular circumstances. You agree to access the information at your own risk and Finance Ezi is not liable to you for the content of the information or any reliance by you on that information.
Online Competitions
From time to time we may organise competitions. Please refer to our www.financeezi.com.au Competition Rules. Please note that where we have no control over competitions provided by our advertisers and third parties, these rules will not apply. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage, loss or cost caused or alleged to be caused by or in connection with use of or reliance on any such competition available.
Our liability to you
The terms that apply to our supply of this Web site and the Content are those that are set out in the documents that make up the Terms (as listed above) and those implied by consumer protection laws to the supply of this service that are unable to be excluded. No other terms apply.
To the maximum extent permitted by law, we exclude any liability to you for any loss or damage you suffer resulting from your use of the web site or your reliance on any content.
Your liability to us
You are liable to us for breach of contract or negligence under the principles applied by the courts. However, you are not liable to us for any loss to the extent that it is caused by us (for example through our negligence or breach of contract).
Disclaimers
www.financeezi.com.au web site contains, among other things, information provided by us and associated entities, third parties and links to third party web sites. There may be technical inaccuracies, errors, programming bugs or computer viruses in this Web site or its contents.
We make no representations about the accuracy, completeness, currency or suitability of the information or links provided on this Web site.
The information is provided 'as is' without express or implied warranty. You use the information and links at your own risk. We take no responsibility for the content of Internet sites that link from, or to, this site. Except as set out below, www.financeezi.com.au excludes:
1. warranties whether express, implied, statutory or otherwise, relating in any way to this Web site or your use of this Web site; and
2. liability (including for negligence) to you or anyone else in respect of any loss or damage (including special, indirect or consequential loss or damage such as loss of revenue, unavailability of systems or loss of data) arising from, or in connection with, any use of the information on, or accessed through, this Web site for any reason whatsoever.
Where any statute implies any term into your use of, or any arrangement arising out of, the accessing of this Web site and that statute prohibits exclusion of that term, then that term is included.
If and to the extent permitted by the statute, however, Finance Ezi's liability for any breach of such term is limited to the re-supply of the information or links or associated services.
No responsibility for the security of your information
We will take all due care in ensuring the privacy and integrity of the information you provide via the Web site. However, the possibility exists that your information could be unlawfully observed by a third party while in transit over the Internet, or while stored on Finance Ezi's systems (including servers) or on the Web site. www.financeezi.com.au disclaims all liability to you to the greatest extent possible pursuant to law should security or integrity of your information be jeopardized. www.financeezi.com.au may provide your name and contact details to other financiers. You have no obligation to respond to enquiries from any financier to whom we provide your name and contact details.
Use of intellectual property and information
www.financeezi.com.au welcomes ideas and feedback from you about all aspects of the Web site. You agree that www.financeezi.com.au may use, reproduce, distribute, transmit, create derivative works of, and publicly display any materials and other information (including ideas for new or improved products and services) that you submit to any public areas of the Web site or by email to www.financeezi.com.au.
(Please read the www.financeezi.com.au Privacy Notice for more information as to how we store and treat information you send to us).
No misrepresentation allowed
You agree that it is a condition of your use of the services provided by us or through the Web site that you will not through any act or omission (including but not limited to submitting a request or inquiry via the Web site) mislead or deceive others.
Termination, suspension and limitation of your access - material breach by you
We may suspend, terminate or limit your access to this Web site at any time if you are in material breach of these Terms and:
1. we have told you in writing of your breach and you have failed to remedy it within 14 days of us telling you; or
2. the breach is something which cannot be remedied (in which case we can cancel the service immediately by telling you).
Our other rights to terminate, suspend or limit your access
We may suspend, terminate or limit your access to this Web site with as much warning as we reasonably can, if:
1. we reasonably believe that there is a real risk of loss or damage to us or another if we do not suspend, terminate or limit your access to this Web site;
2. the law requires us to do so;
3. we believe on reasonable grounds that providing you with access to this Web site or to the Content is illegal or may become illegal; or
4. there is an emergency.
Sever ability
If any part of these Terms is unenforceable, it will be severed from the remainder of these Terms. These Terms constitute the entire agreement between the parties concerning the subject matter of these Terms. A provision of or a right created under these Terms will not be waived except in writing signed by the party granting the waiver.
No Waiver
If we do not act in relation to a particular breach by you of these Terms, this will not be treated as a waiver by us of our right to act with respect to subsequent or similar breaches. If you do not act in relation to a particular breach by us of these Terms, this will not be treated as a waiver by you of your right to act with respect to subsequent or similar breaches.
Governing Law
These Terms (and your dealings with us) are subject to the laws of Queensland, Australia.
PRIVACY POLICY
At Finance Ezy Pty Ltd (trading as Finance Ezi) your privacy has always been important to us.
We comply with the National Privacy Principles (new privacy laws which apply from 21 December 2001).
This policy and other privacy statements
This privacy policy explains how we collect personal information and how we maintain, use and disclose that information. It also provides some detail about your privacy rights along with our general rights and obligations and our policy in relation to the personal information we keep on record.
When you apply for a new product or service, notices are generally given about privacy and requests for consent. Those privacy notices (called privacy statements) specify in more detail how any information about you may be used and disclosed in relation to the particular product or service.
When you apply for or use one of our products or services, you consent to us collecting, maintaining, using and disclosing personal information about you and provided by you or by another person in accordance with the privacy statement in the application form and this policy.
What information does www.financeezi.com.au hold?
The types of information we keep on record will depend on the type of product or service requested by you.
Generally, we keep a record of one or more of the following types of information about you:
- information that identifies you, such as your name, address, telephone contact, drivers license and other information provided by you and people nominated by you;
- when making an application for loans for finance, credit information about you
- if you apply for insurance, information about what is being insured (including health information about you, your income and occupation if you are requesting GAP or Consumer Credit Insurance).
All information sought is required for our business purposes, which are detailed generally in this privacy policy and more specifically in our application forms or on the web pages which allow you to contact us.
We do not actively seek to collect sensitive information (for example health information or information about your racial or ethnic origin or any criminal record), unless it is necessary for our business purposes. If we do have to collect sensitive information, we will do so in accordance with the National Privacy Principles.
Sometimes we act as an agent for others when collecting information about you, such as for our preferred insurance companies. We will tell you when we do this.
During the course of our relationship with you, we may gather information about you relating to all products and services that we or our preferred suppliers provide to you. This information is used to help us form views about how we can improve our relationship with you.
How www.financeezi.com.au collects information from its web site
We collect and hold information about you when you:
- complete an online application or other type of form; or
- provide your name, phone number and email address on one of our loan calculators ;or
- provide us with your email address; or
- access and use our services through our web site.
We also collect some statistical information about visitors, from our web site (for example, the number of visitors, pages viewed, types of transactions conducted, time online and documents downloaded).
Some of this statistical information is collected by using cookies, but none of the statistical information we collect allows us to identify a visitor. We use this information to evaluate our web site performance and continually improve our services.
Other than statistical information, we do not collect any information about you through our web site unless you provide the information to us.
How www.financeezi.com.au generally collects your information
Generally, we only collect personal information about you from you, unless it is not reasonable or practical for us to do so or you consent.
For example, you may authorise us to collect information from a third party, like your employer to confirm your income details, or we may engage an agent.
We may also collect information about you from publicly available sources such as company registers or Australian Taxation Office ABN searches.
How may www.financeezi.com.au use your personal information?
We use your personal information to:
- comply with all regulatory and statutory bodies when enquiring or arranging finance or insurance.
- provide information to insurance companies if insurance products are considered. These companies include Swann Insurance and National Warranty Services, 24/7, Elite warranties, Fortron, Allianz, Motorone and are for warranty products on car loans, boat loans, truck loan, equipment finance or car insurance related purposes.
- This is including sending of material or contact about their products and services, disclosure of information to their contractors and agents (such as call centre operators, advertising agencies, direct mail houses), disclosure of your information to their related bodies corporate and transfer of your information out of and into Australia.
- Our customer service department effectively manages and administers all products and services we provide to you even after your loan. We arrange current loan payout amounts, providing a choice of comparison prices on your car insurance renewal.
- To enable our various departments including Finance Ezi entities and business partners Southcoast Automotive Group Pty Ltd and Sci Fleet Pty Ltd, to identify and contact you for things such as refinancing car loans, boat loans, truck loan, equipment finance, and home loans, buying cars, trucks, boats, equipment and homes.
- When we request your information we may give more specific details about the way we use your information.
What rights does www.financeezi.com.au have to disclose personal information?
Usually we must get your consent before we tell anyone about you, your accounts or your credit information. You can give us your consent expressly or it may be implied by your conduct.
Sometimes the law requires us to give out information about you, such as a court if we were ordered to do so under a subpoena.
Depending on the product or service that we provide to you, if it is necessary we may also disclose your personal information to:
- government agencies in connection with any vehicle purchase, such as for stamping and registration purposes;
- any organisation which you request us to or any persons acting on your behalf, including your financial adviser, broker, solicitor, or accountant - unless you tell us not to.
- Any organisation to allow us to offer or provide our services to you, maintain our relationship with you, or as required under various laws and regulations that govern our business.
We may at other times give you more details about our disclosure practices in relation to specific products or services - for example on the attachment to the Finance Agreement.
How may www.financeezi.com.au use your personal information?
Your personal information may also be used by us to assess your total relationship and product holding within www.financeezi.com.au, analyze products and services, evaluate the needs of our customers and develop new products.
Unless you inform us or have previously told us not to, we may also provide access to your personal information to sub contractors of www.financeezi.com.au to inform you of products and services available, special promotions etc.
How www.financeezi.com.au protects the security of your information
We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure.
We have physical, electronic and procedural safeguards to protect your information which is held by us. For example, your personal information is stored in secured office premises, in electronic databases requiring logins and passwords for access. Access to information stored electronically is restricted to staff whose job purpose requires access. We require all staff to maintain the confidentiality of customer information.
We use secure methods to destroy or de-identify any personal information as soon as the law permits, provided the information is no longer needed by us for any purpose.
Changes to our Privacy Policy
We may amend this policy from time to time. Not all changes to our privacy policy will require your consent, for example where office security procedures are changed. We will notify you of any change to our information handling policy that requires your consent before being implemented.
What are your rights?
Without your personal information, we generally are not able to provide our products and services to you, except in the circumstance of purchasing spare parts from us, which you are welcome to do so anonymously.
Information about our Products and Services
If you do not want the benefit of receiving information, special offers or exclusive opportunities about products and services (which may be supplied by us or any contractor that we may sub-contract) which we think may be of interest or value to you, then please tell us. You can do this at any time by writing to us or telephoning the Privacy Officer at the contact details listed below.
Access to your information
You can request access at any time to personal information we hold about you. We will process your request within a reasonable time, usually 21 days for a straightforward request. More time may be needed, depending on the nature of the request.
There is no fee for requesting access to your information, however we may charge you the reasonable cost of processing your request.
Fees, Charges and Notice of disclosure
Our income is derived by a commission payment from a lender. However a broker is entitled, in some cases, to charge a fee for service. That fee charged may be a percentage of the loan amount or a fixed sum and can vary from product to product.
It is pointed out that a share of any commission earned by www.financeezi.com.au may be passed on to a third party who has introduced a client to us for assistance in financial borrowings. This payment to a "Referrer" is at the sole discretion of Finance Ezi.
All fees and charges will be detailed to you verbally and confirmed in writing in the finance documents you receive.
Correction of information
We try to ensure that all information we hold about you which we collect, use or disclose is accurate, complete and up to date. You must promptly notify us if there are any changes to your personal information.
You may ask us at any time to correct personal information held by us about you, which you believe is incorrect or out of date. We will deal with your request within a reasonable time.
If there is anything you would like to discuss, please contact us.
We will try to answer any questions you may have, correct any error on our part or resolve any complaint that you may have about our information handling practices. If we do not resolve a complaint to your satisfaction, you also have the right to complain to the Privacy Commissioner.
Privacy Officer
Contact Details:
Finance Ezy Pty Ltd
The Privacy Officer
PO Box 4905
Gold Coast MC Bundall QLD 9726
admin@financeezi.com.au
Telephone: 1300 003 003
Facsimile: 1300 851 406
Complaints
If you have a complaint about the services we provide, please follow the steps below to resolve your dispute.
Step 1.
Contact your Finance Representative that you have been dealing with and explain your concerns. Most complaints or disputes arise from miscommunication, and can usually be resolved swiftly with direct communication.
Step 2.
If you are dissatisfied with the response you have received from your Finance Representative, please contact the complaints officer at Finance Ezi as follows:
Writing:
The Complaints Officer
Finance Ezy Pty Ltd Po Box 4905
GCMC Bundall 9726
Telephone: 1300 003 003
Email: admin@financeezi.com.au
Step 3.
If you feel that your complaint still has not been resolved after following these steps, than you may contact our ASIC approved complaints body:
Writing:
Case Management Team
C-/Credit Ombudsman Service
Po Box A252
Sydney South NSW 1235
Telephone: 1800 138 422
Fax: (02) 9273 8440
Online: http://www.cosl.com.au/Make-a-complaint
Business finance options
If you are a start-up business and you are at the point where you require outside finance you must clearly identify the purpose of your business finance. The start-up finance that you gain for your business is generally acquired so that you can gain assets for your business. These assets are used to help your business achieve its profit making objectives.
When you start to look for ways of raising business finance you should have calculated roughly how much money you are going to need in order to cover all of your business start-up expenses. By doing this you have a better chance of getting the business finance that you want and that you require. Once you have gained a rough estimate of how much money you are going to need for your business start-up in order to get your business off the ground you can start to think about the various avenues that you are able to approach as a way of securing your business finance.
However when it comes to business finance there are only really two words that you need to consider, these are debt or equity. Debt finance, for example, comes in the form of bank loans and credit cards. Debt finance is money that is lent to your business. It will cover all of your business costs but you are required to pay it back. You will have to repay debt finance on a monthly basis with added interest. Before you agree to take out debt finance it is important that you are able to keep up with the monthly repayments. To find this out you should investigate your expenditure and ensure that you will be able to keep up with the payments sufficiently.
The second word that you need to know is equity. Equity finance is money that is invested into your business for a share of your business. You don’t have to pay this money back at any point within your business but it does mean that you lose an aspect of control over your business.
This information was taken from 1888articles.com
