1. General

1.1. Quickle (‘We’, ‘Us’, ‘Our’) is a trading name of FTA Data Solutions Pty Ltd, ABN 95 670 814 221.

1.2. Quickle is an Authorised Credit Representative (Credit Representative No. 552387) of Finance & Loans Direct Pty Ltd (Australian Credit Licence Number: 390166).

1.3. By choosing to use Our services or by positively indicating your agreement on the Quickle Website you hereby acknowledge and agree to be bound by these Terms and Conditions.

2. Privacy Policy

2.1. Privacy is very important to Us, which is why We have created a separate Privacy Policy to explain in detail how we collect, manage, process, secure and store personal information. Our Privacy Policy can be accessed here.

3. Quickle Services

3.1.By way of a consumer initiated enquiry on the Quickle website, Quickle collects the information of consumers who are interested in the products or services offered by licenced credit providers or authorised credit representatives and collates the consumer information into a data package.

3.2. Quickle is not a credit provider or a credit assistance provider and does not carry out any of the following activities:

• • suggest that a consumer apply for, increase or decrease a credit limit of, or remain in any particular credit contract or consumer lease;
  • assist a consumer to apply for or increase or decrease a credit limit of any particular credit contract or consumer lease;
  • make any credit or credit related decisions; or
  • provide any other credit advice or assistance.

3.3.Quickle may sell consumer information data packages to third party partners for a fee.

3.4. Once a consumer information data package is sold to a third party partner, Quickle has no further interaction with the consumer relating to that particular enquiry.

4. Collection, Use and Disclosure of Information – Quickle Services

4.1. To be able to provide you with the Quickle Services, you authorise and consent to Us collecting and tracking your personal information in accordance with Our Privacy Policy.

4.2. You consent and agree to Us disclosing your personal information:

• • To 3rd party partners for the following purpose of the 3rd party partners offering you a financial or other product that may suit your needs; and
  • To 3rd party partners who may refer your details to other providers on their platform for the purposes of finding a provider who may have a financial or other product to suit your needs.

4.3. You consent and agree to 3^rd parties who have been disclosed your personal information in accordance with sub clause 4.2. above who to correspond with you directly including for marketing purposes.

5. Use of Our Service

5.1 By choosing to use our service you:

1. • confirm that you are at least 18 years of age;
   • have the capacity to enter into a contract;
   • warrant that any information that you provide to us is true and correct; and
   • warrant that you are using our service for yourself and not on behalf of any other person.

6. Remuneration

6.1. We provide the Quickle Services to consumers for no charge.

6.2. Quickle may receive a fee from 3rd party partners for the provision of consumer information data packages.

7. No Warranty

7.1. The completion of Our enquiry form does not guarantee approval or the provision of any services from a 3rd party. Any application that you may choose to make to a 3rd party provider is subject to that provider’s eligibility criteria and terms and conditions.

7.2. Quickle does not endorse or recommend any particular provider, product or service that you may be connected with or offered.

7.3. The providers available to you by your use of the Quickle site may not cover all options available to you.

7.4. We do not guarantee, represent or warrant that your use the Quickle website or the Quickle Services will be uninterrupted, timely, secure or error-free.

8. Direct Marketing – General

8.1. In addition to clause 4 above, you consent to Us and any 3^rd party who We have disclosed your personal information to in accordance with these Terms and Conditions to contact you indefinitely (unless you opt-out in accordance with sub-clause 8.2 below) by any means including but limited to by email, SMS, phone call, push notification, mail for the purposes of marketing.

8.2. You may opt-out at any time by using the “unsubscribe” function available in the marketing messages that are sent to you or by contacting the sender of the marketing message directly.

8.3. This clause 8 survives the termination of these Terms and Conditions.