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Statement of Authorisation

A clear statement indicating that the representative is authorised to engage in credit activities on behalf of the ACL holder.

Scope of Authorisation

As an authorised credit representative of Australian Credit Licence No. 389527, we are authorised to engage in the following types of credit activities under the National Consumer Credit Protection Act 2009 (NCCP Act):

  • Providing Credit Assistance – assisting consumers in applying for, varying, or remaining in credit contracts or consumer leases.
  • Acting as an Intermediary – facilitating applications and ongoing management of credit contracts.
  • Credit Assessment & Recommendation – assessing suitability and recommending appropriate credit products.
  • Referring Consumers to Credit Providers – referring consumers to credit providers with whom we have agreements.
  • Providing Information & Advice – offering information and general advice about credit products and features.

Details of Authorisation

  • Personal Loans – unsecured and secured personal loans.
  • Car & Asset Finance – car loans, novated leases, chattel mortgages.
  • Consumer Leases – assistance with consumer lease agreements.

Complaints Handling (Dispute Resolution Policy)

At HERITAGE FINANCE PTY LTD our aim is to provide superior service. If you have concerns, please first speak with your original contact. If unresolved, escalate to our Dispute Resolution Officer:

Investigating Complaints

  • No requirement for face-to-face contact (unless helpful).
  • Both parties should attempt prompt resolution and provide relevant information.
  • Unless exceptional circumstances apply, we respond within 30 days.

If we can’t resolve within 30 days, we’ll advise reasons and a revised decision date.

External Dispute Resolution

If agreement isn’t reached, you may contact AFCA (free, independent):

Time limits may apply—please act promptly.

Privacy Policy

About this Policy

This policy is for HERITAGE FINANCE PTY LTD and outlines how we collect, use, disclose and protect personal information in accordance with the Australian Privacy Principles and the Privacy (Credit Reporting) Code 2024.

Who We Are

We are finance brokers providing credit assistance by suggesting, assisting with, or recommending credit products and variations, using a panel of financiers and insurers (consumer and commercial).

Personal Information We Collect

  • Identity and contact details; employment details; credit report information.
  • Sensitive information generally not required; health info may be collected with consent for insurance products.

How We Collect Personal Information

Mainly directly from you; with consent we may collect from third parties (e.g., employer, accountant, bank, referrer).

Why We Collect & How We Use/Disclose

To provide finance/insurance products requested. Information is handled under Australian privacy and credit reporting laws and retained for seven years after a finance contract ceases. We may disclose to financiers, insurers, CRBs, your employer/bank/solicitor/accountant, suppliers, and referees if we can’t contact you.

Anonymity & Pseudonyms

You may remain anonymous for general enquiries, but identification is required for applications.

Solicited & Unsolicited Information

We collect only what is reasonably necessary. Unsolicited PI that’s not required is destroyed or de-identified.

Notification

We explain purposes, disclosures, access/correction, and complaint processes when we collect PI directly or from third parties.

Direct Marketing & Opt-Out

We may market additional products/services via email, phone, social media, SMS, or mail. You can opt-out at any time; we typically stop within 30 days.

Cross-Border Disclosure

We may share information with affiliated organisations outside Australia (e.g., Germany, NZ, UK, Philippines, India, Singapore, Japan, Malaysia, Vietnam, USA). Overseas storage may occur; providers may be subject to foreign law disclosures.

Government Identifiers

We may collect identifiers (e.g., driver’s licence, passport) for verification. TFNs are de-identified per the TFN Rule 2015.

Accuracy & Updates

Please contact us to update your information; we aim to keep it accurate and current.

Security

We use contractual, physical and electronic safeguards (confidentiality, access controls, encryption, etc.). We notify you of eligible data breaches per the CR Code.

Access & Correction

Access is available except in limited circumstances (e.g., legal proceedings, public safety). We’ll explain if we can’t provide access. Contact us for corrections.

How to Make a Privacy Complaint

  • Phone: 03 9642 5422
  • Email: 0
  • Post: G4 100 Dorcas Street, Southbank VIC 3006

We’ll keep you informed; if a final response isn’t possible within 30 days, we’ll provide reasons and updates.

Changes & Contact

Updates will be published on our website. For questions, contact us by phone (03 9642 5422), email (0), or post (G4 100 Dorcas Street, Southbank VIC 3006).

Responsible Lending Obligations

We ensure recommended credit is suitable for consumers by:

  • Making reasonable inquiries into financial situation, needs and objectives.
  • Verifying financial situation where necessary.
  • Assessing that credit contracts/leases are not unsuitable.

Website Terms & Conditions

Important Information – Disclaimer

The information on this website is general and not a recommendation. Seek advice to determine suitability. HERITAGE FINANCE PTY LTD and contributors disclaim liability for reliance on this website.

Copyright

All content (including source code) is © HERITAGE FINANCE PTY LTD. You may download a single copy for reference. No other reproduction without written consent, except as permitted by law.

Terms of Use

Prepared under Australian law (VIC & Commonwealth). Information may not satisfy other jurisdictions and is current at publication but may change.

Links

Links to external sites do not imply endorsement. HERITAGE FINANCE PTY LTD isn’t responsible for external content, policies, opinions, services, or losses arising from their use.