National Consumer Credit Protection Act Loan Legal Documents.

It is important that you read and understand the below documents as they contain important information regarding your loan and your obligations under the contract agreements.
– Credit Contract Terms and Conditions
– Information Statement
– Credit Guide
– Direct Debit Authority

Credit Contract Terms and Conditions

The Credit Provider for this agreement is Panthera Leo Pty Ltd, trading as ‘Quickle’ (ABN: 55 604 197 275 | Australian Credit Licence Number: 481816).
1. Payments
It is important that you make all your payments on the due dates.  We will provide you with a repayment schedule prior to your acceptance of the agreements.  These loans are very useful for emergency situations however if they are not used correctly they can impact negatively on your financial situation.  If you do not agree to the repayment schedule or cannot afford the repayments do not continue. If payment is not received on its due date, the payment will be considered dishonoured and the loan in arrears.  If this occurs you will be charged the relevant fees as specified in the credit contract.
2. Initial Fees and Charges
The initial fees and charges that you are liable to pay under this credit contract equate to 20% of the amount that you borrowed PLUS a monthly Account Keeping Fee that equates to 4% of the amount that you borrowed per month.  The Account Keeping Fee is charged on the monthly anniversary of your loan start date.
3. Dishonours and Change of Payments
If, after taking your loan, you are unable to keep to the payment schedule that you agreed to, please contact us as soon as possible.  We may be able to change your payment.  The fee for a change of payment is $20. If you dishonour on your obligations under this agreement and you have not contacted us to change your payment, you will be charged a dishonour fee.  The dishonour fee is $49.00.
Establishment Fee – 20% of Principal
Monthly Account Keeping Fee – 4% of Principal
4. If your loan falls into Arrears
If by dishonour, change of payment, or any other reason, your loan falls into Arrears you will be charged a daily Arrears fee of 1% on the total amount outstanding for your loan.

Privacy Act 1988 Authorisation

You consent under the Privacy Act 1988 to Panthera Leo Pty Ltd using your personal information to verify the matters you disclose to us to, amongst other things, obtain a credit report if required and to discuss matters relevant to your employment or income with whoever we believe necessary, including your employer. You consent to and agree that Quickle may share information with related third parties for matters involving your advance including, collections.  You also consent to Quickle using your personal information for marketing, planning and product development purposes.

Electronic Transactions Act 1999

Authorisation and Consent It is contemplated that you and Quickle may enter into an agreement (“Agreement”). By contacting Quickle about entering into a Agreement, you acknowledge and agree that:
– You are at least 18 years old, of sound mind and judgement and able to make decisions regarding your finances;
– You understand that you have the right to get independent legal and financial advice before entering into the Agreement;
– If you have any questions about the terms of the Agreement you will not enter into a Agreement unless those questions are answered to your satisfaction;
– The Agreement may be entered into electronically /verbally over the phone by being read and explained to you and you indicating that you have understood and agree to the terms and conditions of that agreement.
– If you do not wish to be bound by the Agreement, or if you wish to obtain independent legal or financial advice in relation to it, or if you do not fully understand all of the terms and conditions of the Agreement, you will indicate to the Quickle telephone operator that you do not wish to enter into the Agreement;
– Once you indicate to the Quickle telephone operator that you have understood and agree to the terms and conditions of the Agreement, and funds have been advanced by the lender, that you will be bound by the Agreement as if you had signed a hard copy of the Agreement;
– The terms and conditions of the Agreement and any related materials and information (“Quickle Materials”) may be provided, or otherwise made available, to you electronically under the Electronic Transactions Act 1999 (“the Act”) and that;
– Paper documents may no longer be provided to you;
you will regularly check your nominated email account for Quickle Materials;
– You may at any time withdraw consent for the Quickle Materials to be provided electronically.

Acceptance of the Contracts and Documentation

You can provide acceptance of the Contracts and Legal Documents by selecting the “YES” options under the heading “Acceptance of Contracts and Legal Documents” in the credit contract.

Information Statement

Things you should know about your proposed credit contract

We are required under the National Consumer Credit Protection Act 2009 to provide you with the following statement and as such, parts of it may not apply to you.
This statement tells you about some of the rights and obligations of yourself and your credit provider. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact the credit provider and, if you still have concerns, your credit provider’s external dispute resolution scheme, or get legal advice.

The Contract

1. How can I get details of my proposed credit contract?
Your credit provider must give you a precontractual statement containing certain information about your contract. The precontractual statement, and this document, must be given to you before –
– Your contract is entered into; or
– You make an offer to enter into the contract; whichever happens first.
2. How can I get a copy of the final contract?
If the contract document is to be signed by you and returned to your credit provider, you must be given a copy to keep. Also, the credit provider must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if the credit provider has previously given you a copy of the contract document to keep. If you want another copy of your contract, write to your credit provider and ask for one. Your credit provider may charge you a fee. Your credit provider has to give you a copy—
– Within 14 days of your written request if the original contract came into existence 1 year or less before your request; or
– Otherwise within 30 days of your written request.
3. Can I terminate the contract?
Yes. You can terminate the contract by writing to the credit provider so long as—
– You have not obtained any credit under the contract; or
– A card or other means of obtaining credit given to you by your credit provider has not been used to acquire goods or services for which credit is to be provided under the contract.
However, you will still have to pay any fees or charges incurred before you terminated the contract.
4. Can I pay my credit contract out early?
Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract.
5. How can I find out the pay out figure?
You can write to your credit provider at any time and ask for a statement of the pay out figure as at any date you specify. You can also ask for details of how the amount is made up. Your credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement.
6. Will I pay less interest if I pay out my contract early?
Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits your credit provider to charge one) and other fees.
7. Can my contract be changed by my credit provider?
Yes, but only if your contract says so.
8. Will I be told in advance if my credit provider is going to make a change in the contract?
That depends on the type of change. For example—
– you get at least same day notice for a change to an annual percentage rate. That notice may be a written notice to you or a notice published in a newspaper.
– you get 20 days advance written notice for—
– a change in the way in which interest is calculated; or
– a change in credit fees and charges; or
– any other changes by your credit provider;
except where the change reduces what you have to pay or the change happens automatically under the contract.
9. Is there anything I can do if I think that my contract is unjust?
Yes. You should first talk to your credit provider. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact your credit provider’s external dispute resolution scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. Your credit provider’s external dispute resolution provider is Credit and Investments Ombudsman and can be contacted at:

Phone: 1300 555 727
Email: info@cio.org.au
Web: cio.org.au
Postal: Credit and Investments Ombudsman, PO Box A 252, South Sydney, NSW, 1235

Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at: http://www.asic.gov.au.

Insurance

10. Do I have to take out insurance?
Your credit provider can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. If you take out insurance, the credit provider can not insist that you use any particular insurance company
11. Will I get details of my insurance cover?
Yes, if you have taken out insurance over mortgaged property or consumer credit insurance and the premium is financed by your credit provider. In that case the insurer must give you a copy of the policy within 14 days after the insurer has accepted the insurance proposal. Also, if you acquire an interest in any such insurance policy which is taken out by your credit provider then, within 14 days of that happening, your credit provider must ensure you have a written notice of the particulars of that insurance. You can always ask the insurer for details of your insurance contract. If you ask in writing, your insurer must give you a statement containing all the provisions of the contract.
12. If the insurer does not accept my proposal, will I be told?
Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected.
13. In that case, what happens to the premiums?
Your credit provider must give you a refund or credit unless the insurance is to be arranged with another insurer.
14. What happens if my credit contract ends before any insurance contract over mortgaged property?
You can end the insurance contract and get a proportionate rebate of any premium from the insurer.

General

15. What do I do if I can not make a repayment?
Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways—
to extend the term of your contract and reduce payments; or
to extend the term of your contract and delay payments for a set time; or
to delay payments for a set time.
16. What if my credit provider and I can not agree on a suitable arrangement?
If the credit provider refuses your request to change the repayments, you can ask the credit provider to review this decision if you think it is wrong. If the credit provider still refuses your request you can complain to the external dispute resolution scheme that your credit provider belongs to. Further details about this scheme are set out below in question 25.
17. Can my credit provider take action against me?
Yes, if you are in default under your contract. But the law says that you can not be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the credit provider’s external dispute resolution scheme or ASIC, or get legal advice.
18. Do I have any other rights and obligations?
Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully. 
IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION SCHEME OR GET LEGAL ADVICE. EXTERNAL DISPUTE RESOLUTION IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION PROVIDER IS CREDIT AND INVESTMENTS OMBUDSMAN AND CAN BE CONTACTED AT PHONE: 1300 555 727, EMAIL: INFO@CIO.ORG.AU, WEB: CIO.ORG.AU, POSTAL: PO BOX A252, SOUTH SYDNEY, NSW, 1235. PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

Credit Guide

This is the Credit Guide of Panthera Leo Pty ltd (ABN: 55 604 197 275 | Australian Credit Licence Number 481816). This Credit Guide applies from 1 March, 2014 and will remain valid unless a further Credit Guide is issued to replace it. 

Contact Details
Phone: 07 5676 7041
SMS: 0428 594 936
Email: customerservice@quickle.com.au
Web: www.quickle.com.au
Facebook: www.facebook.com/QuickleLoans
Instagram: https://www.instagram.com/quickleloans/
Twitter: https://twitter.com/QuickleLoans
Complaints and Disputes
If you have a complaint of dispute with Panthera Leo Pty ltd, please use our internal dispute resolution procedure by contacting: 
Panthera Leo Pty ltd – Complaints Department
Phone: 07 5676 7041
Mobile: 0428 594 936
Email: complaints@quickle.com.au
Post: PO Box 3578, Australia Fair, Southport, QLD, 4215
If you are not satisfied with the outcome of our internal dispute resolution process, you may contact our independent external dispute resolution scheme which is: 
Credit and Investments Ombudsman (CIO)
Phone: 1800 138 422
Email: info@cio.org.au
Web: cio.org.au
Postal:  Credit and Investments Ombudsman, PO Box A252 South Sydney NSW 1235 
Responsible Lending Obligations
We are required by law to:
– ensure that the credit contract suggested meets your needs and is suitable to your financial situation and;
– take reasonable steps to verify your financial situation and;
– make a preliminary assessment as to whether any credit contract suggested by us is unsuitable for you and;
– not provide credit that is unsuitable for your needs.
Copy of Suitability Assessment
If you ask us for a copy of our preliminary assessment of your suitability for a credit contract within:
– two years of the date we offered to give credit, we must give you a written copy of our preliminary assessment within 7 business days.
– seven years of the date we offered to give credit, we must give you a written copy of our preliminary assessment within 21 business days.

Direct Debit Authority

This Agreement is designed to explain what your obligations are when undertaking a Direct Debit arrangement with IntegraPay and the Business. It also details what our obligations are to you as your Direct Debit Provider. We recommend you keep this agreement in a safe place for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR form.
I/We hereby authorize IntegraPay Pty Ltd (ABN: 63 135 196 397) Direct Debit User ID 382220 to make periodic debits on behalf of the “Business” as indicated on the front of this Direct Debit Request (herein referred to as the Business).

I/We acknowledge that IntegraPay is acting as a Direct Debit Agent for the Business and that IntegraPay does not provide any goods or services and has no express or implied liability in regards to the goods and services provided by the Business or the terms and conditions of any agreement with the Business.
I/We acknowledge that IntegraPay and the Business will keep any information (including account details) contained in the Direct Debit Request confidential. IntegraPay and the Business will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.
We will only disclose information that we have about you:
(a) to the extent specifically required by law; or
(b) for the purposes of this agreement (including disclosing information in connection with any query or claim).
I/We acknowledge that the debit amount will be debited from my/our account according to the Direct Debit Request, this Agreement and the terms and conditions of the agreement with the Business.
I/We acknowledge that bank account details have been verified against a recent bank statement to ensure accuracy of the details provided. If uncertain you should contact your financial institution.
I/We acknowledge that is my/our responsibility to ensure that there is sufficient cleared funds in the nominated account by the due date to enable the direct debit to be honoured on the debit date. Direct debits normally occur overnight; however transactions can take up to three (3) business days depending on your financial institution. I/We acknowledge and agree that sufficient funds will remain in the nominated account until the direct debit amount has been debited from the account and that if there are insufficient funds available, I/We agree that IntegraPay will not be held responsible for any fees and charges that may be charged by your financial institution.
I/We Acknowledge that there may be a delay in processing if:
1) There is a public or bank holiday on the day, or any day after the debit date
2) A payment request is received by IntegraPay on a day that is not a Banking Business Day
3) A payment request is received after normal operational hours, being 2.30pm Monday to Friday. Any payments that fall due on any of the above will be processed on the next business day.
I/We authorise the Business to vary the amount of the payments from time to time as provided for within the Business agreement.
I/We authorise IntegraPay to vary the amount of the payments upon instructions from the Business.
I/We do not require IntegraPay to notify me/us of such variations to the debit amount.
I/We acknowledge that the total amount billed will be for the specified period for this and/or subsequent agreements and/or amendments.
I/We acknowledge that the Business is to provide 14 days’ notice if proposing to vary the terms of the debit arrangements.
I/We acknowledge that variations to the debit arrangement will be directed to the Business.
I/We acknowledge that any request to stop or cancel the debit arrangement will be directed to the Business.
I/We acknowledge that any disputed debit payments will be directed to the Business. If no resolution is forthcoming you are advised to contact your financial institution.
I/We acknowledge that if a debit is returned by my/our financial institution as unpaid, I/We will be responsible for any fees and charges for each unsuccessful debit in addition to any financial institution charges and collection fees, including and not limited to any solicitor fees and collection agent fees appointed by IntegraPay.
I/We authorise IntegraPay to attempt to re-process any unsuccessful payments as advised by the Business.
I/We acknowledge that if specified by the Business, a setup, variation, dishonour, SMS or processing fees may apply as instructed by the Business.
I/We authorise:
1) The Debit User to verify details of my/our account with my/our financial institution
2) The Financial Institution to release information allowing the Debit User to verify my/our account details.
IntegraPay Pty Ltd
ABN: 63 135 196 397
P.O Box 6290, Upper Mt Gravatt, Queensland 4122
Ph: 07 3040 4320 Fax: 07 3343 8590