Credit Guide & Scope of Authorisation

Licensee: FUEL MIND SCIENCE PTY LTD | ACL No: 389527 | Auth Rep No: 559822

Scope of Authorisation

As an authorised credit representative of Australian Credit licence No. 389527, I am authorised to engage in the following types of credit activities under the National Consumer Credit Protection Act 2009 (NCCP Act):

1. Providing Credit Assistance

Assisting consumers in applying for, varying, or remaining in credit contracts or consumer leases with credit providers or lessors.

2. Acting as an Intermediary

Acting as an intermediary between consumers and credit providers to facilitate the application, variation, or ongoing management of credit contracts.

3. Credit Assessment and Recommendation

Conducting assessments to determine the suitability of credit products for consumers based on their financial situation, needs, and objectives. Providing recommendations on credit products that meet the consumer's requirements and are not unsuitable.

4. Specific Authorised Activities

• Personal Loans: Assisting with personal loan applications, including unsecured and secured personal loans.
• Car and Asset Finance: Facilitating applications for car loans and other asset finance products, including novated leases and chattel mortgages.
• Consumer Leases: Assisting with consumer lease agreements, ensuring compliance with consumer protection regulations.

Responsible Lending Obligations

As an authorised credit representative, I am committed to meeting responsible lending obligations by ensuring that any credit product recommended to a consumer is suitable for their financial situation and objectives. This involves:

• Making reasonable inquiries into the consumer's financial situation, needs, and objectives.
• Verifying the consumer's financial situation where necessary.
• Assessing whether the proposed credit contract or consumer lease is not unsuitable for the consumer.

Dispute Resolution Policy

At FUEL MIND SCIENCE PTY LTD our aim is to provide our customers with superior service, but we know that sometimes things can go wrong. If you have concerns, it is important that we are aware of the issues.

Internal Dispute Resolution

If you have a concern, we recommend you speak with the person with whom you originally dealt. If the matter is not resolved, please escalate it to our Dispute Resolution Officer:

Phone: 0461 268 407
Post: Level 19/200 Mary st, Brisbane City, QLD, 4000
Email: liam@expand.loans

Investigating Complaints:
We will attempt to resolve your complaint promptly. Unless there are exceptional circumstances, we will respond within 30 days of receipt. If we are unable to resolve it within 30 days, we will advise you of the reason for the delay.

External Dispute Resolution (AFCA)

If we do not reach agreement on your complaint, you may refer the complaint to the ASIC Approved External Dispute Resolution Scheme managed by the Australian Financial Complaints Authority (AFCA):

Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au
Post: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001