Credit Guide & Disclosures

About this Credit Guide

This Credit Guide is provided to you as required under the National Consumer Credit Protection Act 2009 (Cth) ("NCCP Act") because Power Money Group Pty Ltd (ABN 36 672 748 711) may provide you with credit assistance. It contains important information about who we are, the services we provide, how we and our credit representatives are paid, and what to do if you have a complaint.

Who we are

• Credit Representative: Power Money Group Pty Ltd, ABN 36 672 748 711, Credit Representative Number 555081
• Australian Credit Licensee: TODO:LICENSEE_NAME, Australian Credit Licence TODO:ACL_NUMBER
• Principal broker: Nickrod Vatandoust
• Contact: +61 450 435 400 · admin@powermoneygroup.com

Services we provide

We provide credit assistance by suggesting you apply for a particular credit product with a particular lender, or by suggesting you increase or refinance an existing loan, based on the information you provide us about your needs and objectives. We are not a lender — we act as an intermediary between you and lenders on our panel of 60+ trusted Australian banks and lenders.

How we are paid

We may receive commission from the lender if your loan proceeds to settlement, typically calculated as a percentage of the loan amount. This may include an upfront commission and, in some cases, a trail commission paid periodically over the life of the loan. Commission structures vary by lender and product. We do not charge you a fee for our credit assistance unless separately agreed with you in writing in advance.

Our responsible lending obligations

Before suggesting a credit product, we make reasonable inquiries about your requirements, objectives and financial situation, and take reasonable steps to verify that information. We will not suggest a product that appears unsuitable for you based on that assessment.

Comparison rates

Where a comparison rate is quoted or applicable to a product we discuss with you, it is based on the example provided by the relevant lender and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are provided as a general guide only — always review a lender's full comparison rate disclosure before proceeding.

Complaints

If you have a complaint about our service, please contact us directly at admin@powermoneygroup.com or +61 450 435 400so we can try to resolve it. If you're not satisfied with our response, you can lodge a complaint, free of charge, with the Australian Financial Complaints Authority (AFCA):

• Website: afca.org.au
• Email: info@afca.org.au
• Phone: 1800 931 678
• Mail: GPO Box 3, Melbourne VIC 3001

Professional indemnity insurance

Our licensee holds professional indemnity insurance covering the credit activities carried out by us and our credit representatives, as required under the NCCP Act. TODO: confirm insurer/policy details if required for disclosure