Initium Investments Pty Ltd
This is the Credit Guide of Initium Investments Pty Ltd (ACN: 604 639 143) trading as Fundo Loans ABN 65 604 639 143.
This Credit Guide contains important information about:
check_circle who we are and how you can contact us
check_circle Our key obligations before entering into a credit contract with you
check_circle and Our complaints procedures and how we aim to resolve them
We are a licensed credit provider under the National Consumer Credit Protection Act 2009, and holder of an Australian Credit License number 491418.
Initium Investments Pty Ltd ACN 604 639 143,
Trading as “Fundo Loans” ABN 65 604 639 143 (“we”, “us”, “our”).
ACN: 604 639 143
Phone number:02 9138 7875
OUR OBLIGATIONS TO YOU
Assessment of unsuitability for a credit contract – our obligations and your rights
Before we can provide credit to you, we are required to make an assessment as to whether the proposed credit contract is ‘not unsuitable’ for you. To do this we must make reasonable inquiries about:
check_circle your requirements and objectives in relation to the credit;
check_circle your financial situation; and
check_circle any other relevant matters.
We must also take reasonable steps to verify your financial situation. This will require you to provide certain documents to us.
Requesting a copy of our assessment
Before entering into a credit contract, or at any time within 7 years of the date of the credit contract, you can request a written copy of our assessment. There is no fee for requesting a copy of our assessment.
If you ask to see our assessment within the first 2 years of the credit contract, we will provide you with a written copy of our assessment within 7 business days after we receive your request. Otherwise, we will provide you with a written copy of our assessment within 21 business days after we receive your request.
If you have a complaint
If you have a concern or complaint about the service we provide to you, please contact us on:
We will acknowledge your complaint quickly and fairly. We must provide you with a response within 45 days, but we will try to resolve your complaint within 7 days.
If your complaint cannot be resolved to your satisfaction by us, you have the right to refer the matter to our external dispute resolution provider, the Australian Financial Complaints Authority (AFCA) by contacting them on;
We will collect your personal information in order for us to provide you with our services. We will limit the collection and use of your information to the minimum we require to provide finance to you.
If you do not provide some or all of the personal information requested on our application form, we may not be able to accept your application and provide you with a loan.
We only accept debit card transactions and strictly do not accept credit cards or charge cards.