Welcome to the website of Loan Lenders PTY LTD trading as “Loan Lenders” (ABN 12 141 444 886) Second-hand dealer & Pawnbroker license number 3384812 and Citiloans Gold Coast PTY LTD (ABN 89 141 445 141) Australian Credit License 394831 (“we”, “us” or the “Company’s”). Our registered office is at Shop 1A/23 Nind St. Southport QLD 4215. This website is located on the web via the domain https://www.loanlenders.com.au and includes all of the files located in that domain (“this site”).
If you are under 18 years of age, you cannot request transactions through this site. By using this site you represent and warrant to the Company’s that you are over the age of 18 years. Should the Company’s suffer any damage or other losses as a result of a transaction entered into by a minor, we reserve the right to seek compensation for such
losses from his/her parents or guardians.
Your use of this site is subject to the rules set out in Schedule 1 below.
You indemnify and hold harmless the Company’s and its officers, employees, agents, consultants, licensors, partners and affiliates from and against any losses, liabilities, costs, expenses or damages (including actual, special, indirect and consequential losses or damages of every kind and nature, including all legal fees on a solicitor-client basis) suffered or incurred by any of them due to, arising out of, or in any way related to (directly or indirectly):
You must promptly update this information to maintain its accuracy at all times. You represent and warrant to the Company’s that all information provided to the Company’s by you, including the information provided by you through our application module or entered into your account profile, is true and not misleading and does not violate any applicable law or regulation or any person’s intellectual property or other rights.
We may need to identify you pursuant to the provisions of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and Rules. Division 5A of the Act allows, in certain circumstances, that verification be undertaken electronically (“e-verification”) by matching certain personal information you supply to us with personal information held by credit reporting agencies. We may use that system to verify your identity. We will not do so without your consent. By agreeing to us undertaking e-verification, you are expressly agreeing to allow us to verify your identity against personal information held by a credit reporting agency.
The Act permits us to disclose to a credit reporting agency for identification verification purposes two (2) of your name, address and date of birth. The credit reporting agency will make an assessment on the information provided to determine whether the information held by them matches the information provided by us to them.
You are advised that if you do not wish us to verify your identity through e-verification, then we will provide you with another option to identify yourself in accordance with the provisions of the Act.
If you consent to us using e-verification, and the identification is not successful, we will advise you:-
One person may not make more than one application with this site. Applications registered by “bots” or other automated methods are not permitted.
The Company reserves the right to accept or reject any application for registration of an account with this site at its discretion.
The Company reserves the right to change the Interest Rates for services displayed in this site at any time before you apply for a loan.
Payment for transactions may be made: by credit card (Visa or MasterCard only) processed by Pawnit365 Gateway via direct bank deposit by electronic funds transfer (EFT).
Only VISA and MasterCard are accepted. Please note that we may be unable to accept credit cards issued by banks outside of Australia in some cases. Additional transaction fees may apply if paying by credit card, in which case the additional charges will be specified at checkout.
If you elect to make a payment by direct deposit using EFT, during the course of your transaction, we will send you an email containing instructions for making the payment, or otherwise provide such information to you, including our bank account details and the reference number for your order. Please quote the reference number for the EFT transaction in order to avoid delays in processing your transaction.
While our website hosting providers employ secure technology for transactions with our customers, we will not be responsible for any damages, including consequential losses (whether direct or indirect), that may be suffered by a customer whose credit or debit card or bank account information is used in a fraudulent or unauthorised manner by any
person other than the Company.
The Company may request further information from you, such as a copy of your credit card and/or other identification documentation, as part of our internal validation procedures. These procedures help protect bank and credit card account holders from online fraud.
consent of the Company or other copyright owner (as applicable). You may download and print out content from this site only for your own personal and non-commercial use and provided that you do not remove or modify any copyright, trademark or other proprietary notices.
The Company’s logo and the phrase “Loan Lenders” are trademarks of the Company. The look and feel of this site (including all button icons, scripts, custom graphics and headers) are the trademarks, service marks and/or trade dress of the Company. These trademarks, service marks and trade dress may not be used, copied or imitated, in whole or in part, without the prior written consent of the Company.
If you believe that our site contains any material that infringes upon any copyright that you hold or control, or that users are directed through a link on this site to a third-party website that you believe is infringing upon any copyright that you hold or control, you may send a notification of such alleged infringement to us in writing. Such notification should identify the works that are allegedly being infringed upon and the allegedly infringing material and give particulars of the alleged infringement. In response to such a notification, we will give a written notice of a claim of copyright infringement to the provider of the allegedly infringing material. If the provider of that material does not respond to us in writing denying the alleged infringement within 14 days after receipt of that notice, we will remove or block the allegedly infringing material as soon as is reasonably practicable. If the provider of that material responds to us in writing denying the alleged infringement, we will, as soon as is reasonably practicable, send a copy of that response to the original notifying party. If the original notifying party does not, within a further 14 days, file an action seeking a court order against the provider of the allegedly infringing
material, we may restore any removed or blocked material at our discretion. If the original notifying party files such a legal action, we will remove or block the allegedly infringing material pending resolution of that legal action.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S AND ITS OFFICERS, EMPLOYEES, AGENTS, CONSULTANTS, LICENSORS, PARTNERS AND AFFILIATES EXPRESSLY DISCLAIM ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES (WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE) IN RELATION TO THIS SITE AND ANY SERVICES OBTAINED THROUGH THIS SITE, INCLUDING ANY IMPLIED WARRANTY.
This site is provided strictly on an “as is” basis. To the maximum extent permitted by law, the Company and its officers, employees, agents, consultants, licensors, partners and affiliates make no representation, warranty or guarantee as to the reliability, timeliness, quality, suitability, truth, availability, accuracy or completeness of this site or any of its content, and in particular do not represent, warrant or guarantee that:
The use of this site will be secure, timely, uninterrupted or error-free or operate in combination with any other hardware, software, system or data; this site will meet your requirements or expectations; anything on this site, or on any third-party website referred or linked to in this site, is reliable, accurate, complete or up-to-date; the quality of any services, information or other material purchased or obtained through this site will meet any particular requirements or expectations; errors or defects will be corrected; or this site or the servers that make it available are free of viruses or other harmful components.
To the maximum extent permitted by law, the Company and its officers, employees, agents, consultants, licensors, partners and affiliates exclude all liability to you or any other person for any loss, cost, expense, claim or damage (whether arising in contract, negligence, tort, equity, statute or otherwise, and for any loss, whether it be consequential,
Loan Lenders PTY LTD and Citiloans Gold Coast PTY LTD are a responsible and professional organisation that cares about the service you receive. We are committed to a fair and prompt response to your complaints.
We recommend that you initially make contact with the us. However, disputes between you and Loan Lenders and/or Citiloans Gold Coast Pty Ltd regarding our services may be reported to Australian Financial Complaints Authority (AFCA).
Contact person : Email: email@example.com
P.O Box 10777, Southport BC, QLD, 4215.
For any credit related transaction, in addition to the internal dispute procedures that Loan Lenders PTY LTD and Citiloans Gold Coast PTY LTD utilise, if you are still not satisfied after speaking with us, you can contact our External Dispute Resolution provider. Contact Australian Financial Complaints Authority (AFCA) by phone 1800 931 678 (free call), by email to firstname.lastname@example.org, or by post at GPO Box 3, Melbourne VIC 3001. For more information go to www.afca.org.au
breach or any subsequent or similar breaches.
Loan Lenders PTY LTD trading as “Loan Lenders” (ABN 12 141 444 886) Second-hand dealer & Pawnbroker license number 3384812 and Citiloans Gold Coast PTY LTD (ABN 89 141 445 141) Australian Credit License 394831 (“we”, “us” or the “Company”) is committed to privacy protection. At https://www.loanlenders.com.au (“this site”), we understand the
We will never rent, trade or sell your email address to anyone. We will never publicly display your email address or other personal details That identify you
We will treat all personal information in accordance with any and all obligations that are binding upon us under the Privacy Act 1988 (Cth) (“Privacy Act”). The Privacy Act lays down 13 key principles in relation to the collection and treatment of personal information, which are called the “Australian
What is “personal information”?
Personal information held by the Company’s may include your:
This site uses “cookies” to help personalise your online experience. A cookie is a text file or a packet of information that is placed on your hard disk by a web page server to identify and interact more effectively with your computer. There are two types of cookies that may be used at this site: a persistent cookie and a session cookie. A persistent cookie is entered by your web browser into the “Cookies” folder on your computer and remains in that folder after you close your browser, and may be used by your browser on subsequent visits to this site. A session cookie is held temporarily in your computer’s memory and disappears after you close your browser or shut down your computer. Cookies cannot be used to run programs. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. In some cases, cookies may collect and store personal information about you. The Company extends the same privacy protection to your personal information, whether gathered via cookies or from other sources.
You can configure your internet browser to accept all cookies, reject all cookies or notify you when a cookie is sent. Please refer to your internet browser’s instructions to learn more about these functions. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. If you choose to
decline cookies, you may not be able to fully experience the interactive features of this site.
Many of these cookies are removed or cleared when you log out but some may remain so that your preferences are remembered for future sessions.
Third party cookies
In some cases, third parties may place cookies through this site. For example:
How we may use your personal information
Your personal information may be used in order to:
From time to time we may email our customers with news, information and offers relating to our own services or those of selected partners. Your personal information may also be collected so that the Company can promote and market products and services to you. This is to keep you informed of products, services, and special offers we believe you will find valuable and may continue after you cease acquiring products and services from us. If you would prefer not to receive promotional or other material from us, please let us know and we will respect your request. You can unsubscribe from such communications at any time if you choose.
Bank Statements (Citiloans Gold Coast Clients Only)
The System provides you with the means to request us, as your agent, to help you quickly and efficiently gather your income and expense data from financial institutions and government agencies, using third party information gathering services (illion).
What if you don’t want to use the Bank Statements System?
There is no obligation on you to use the Bank Statements System.
Variations and updates
These Terms and Conditions only apply to this current session of your use of the Bank Statements System.
Your acknowledgement and consent in relation to the use of the Bank Statements System
To use the System to produce an account/bank statement information report (Bank Statement Report) to your broker or dealer on your behalf, you:
WARNING: By disclosing your financial institution account(s) access credentials, you may become liable for any unauthorised transactions on your financial institution account(s). If you are uncomfortable, speak to your financial institution for details before you proceed. (You should note that Illion may store your financial institution account(s) access credentials for up to 90 days to allow for an up to date Bank Statement Information Report to be prepared);
When we may disclose your personal information
In order to deliver the services you require or for the purposes set out above, the Company may disclose your personal information to organisations outside the Company. Your personal information may be disclosed to these organisations only in relation to this site, and the Company takes reasonable steps to ensure that these organisations are bound by confidentiality and privacy obligations in relation to the protection of your personal information. These organisations may carry out or provide:
In addition, we may disclose your personal information to:
Contacting us about privacy
If you would like more information about the way we manage personal information that we hold about you, or are concerned that we may have breached your privacy, please contact us by email to email@example.com or by post to PO Box 10777, Southport, QLD 4215
Access to your personal information
In most cases, you may have access to personal information that we hold about you. We will handle requests for access to your personal information in accordance with the Australian Privacy Principles. All requests for access to your personal information must be directed to the Privacy Officer by email using the email address provided above or by
writing to us at our postal address. We will deal with all requests for access to personal information as quickly as possible. Requests for a large amount of information, or information that is not currently in use, may require further time before a response can be given. We may charge you a fee for access if a cost is incurred by us in order to retrieve your information, but in no case will we charge you a fee for your application for access.
In some cases, we may refuse to give you access to personal information that we hold about you. This may include circumstances where giving you access would:
We may also refuse access where the personal information relates to existing or anticipated legal proceedings, and the information would not be accessible by the process of discovery in those proceedings. If we refuse to give you access, we will provide you with reasons for our refusal.
Correcting your personal information
We will amend any personal information about you that is held by us and that is inaccurate, incomplete or out of date if you request us to do so. If we disagree with your view about the accuracy, completeness or currency of a record of your personal information that is held by us, and you ask us to associate with that record a statement that you have a contrary view, we will take reasonable steps to do so.
Storage and security of your personal information
We are committed to maintaining the confidentiality of the information that you provide us and we will take all reasonable precautions to protect your personal information from unauthorised use or alteration. In our business, personal information may be stored both electronically (on our computer systems and with our website hosting provider) and in hard-copy form. Firewalls, anti-virus software and email filters, as well as passwords, protect all of our electronic information. Likewise, we take all reasonable measures to ensure the security of hard-copy information.
Third party websites
You can set preferences for how Google advertises to you using the Google Ads Settings page (https://www.google.com/settings/ads). Facebook has enabled an Ad Choices link
that enables you to opt out of targeted advertising.
I authorise and acknowledge that Loan Lenders and Citiloans Gold Coast may use my personal information to help promote its products or services or those of its related companies and alliance partners; disclose my personal information to its related companies or alliance partners in connection with that purpose; and tell me about its products or services or those of its related companies or alliance partners, and that I may withdraw my consent in the future by contacting the Loan Lenders officer at: firstname.lastname@example.org
If you require any further information about the Privacy Act and the Australian Privacy Principles, you can visit the Federal Privacy Commissioner’s website (see www.privacy.gov.au).
If you have any questions in relation to our Terms and Conditions, you can contact us in the following ways:
T: (07) 5531 1422
Mail: P.O Box 10777, Southport BC, QLD 4215