Terms And Conditions

This website is owned by beInformed Group Pty Ltd (“BGPL”), ABN: 37 154 478 725, trading as beCarWise. Finance – Australian Credit Licence BGPL is an ACR# 419386 of Platform Auto Finance Pty Ltd ACL# 444332 (ACN 164 611 367). Insurance – Authorised Representatives BGPL is an Authorised Representative of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of Level 12, 2 Market Street, Sydney NSW 2000 (Allianz). Allianz can be contacted on 1300 300 573 or by using the contact details listed on www.allianz.com.au BGPL is an Authorised Representative of Smart Guys Pty Ltd ABN 46 129 708 523 AFSL 460412 of 275 Canterbury Road, Canterbury VIC 3126 (Smart Guys). Smart Guys can be contacted on 1300 946 677 or by using the contact details listed on www.thesmartguys.com.au BGPL is a Distributor of the insurer Coverforce Insurance Broking Victoria Pty Limited, ABN 45 127 707 813 AFSL 345986 of Level 15, Fawkner Centre, 499 St Kilda Road, Melbourne VIC 3004 (t/as “Coverforce”). Coverforce can be contacted on 1800 986 445. BGPL is a Distributor of the insurer AAI Limited, ABN 48 005 297 807 AFSL 230859 of PO Box 1453, Brisbane QLD 4001 (t/as “Suncorp Insurance”). Suncorp Insurance can be contacted on 13 11 55 or visit the website at www.suncorp.com.au .

General Advice

Any advice given on this website is general advice only and is not specifically based on your own financial objectives, situation or needs. Before you act on the advice you should consider whether this advice is suitable for you. You should read the relevant Product Disclosure Statements before purchasing any products or services. You should always discuss with your accountant or a registered tax agent before entering into a finance contract. While we make every attempt to give you the best product information, BGPL, its agents and employees accept no responsibility for any loss that may arise.

Disclosure

BGPL acts as an independent intermediary to:

• arrange finance with respect to acquiring motor vehicles;
• arrange for the purchase of motor vehicles;
• arrange motor vehicle insurance;
• provide ongoing fleet management services.

For the provision of services BGPL may receive the following:

• a commission or brokerage from the financial institution which has agreed to provide finance;
• a commission or fee from the trader, manufacturer or importer of motor vehicles;
• a commission or fee from Insurance products;
• a service fee for fleet management as agreed.

Fees Payable By You

We do not charge you for our services because we are paid commission by the financier. However, you may need to pay the financier’s application fee, if applicable.

Commissions Received By Us

We may receive commissions from the lenders and lessors who provide finance for you as our customer. These are not fees payable by you. You may obtain from us information about a reasonable estimate of those commissions and how the commission is worked out. We have a volume bonus arrangement in place as part of our association with Platform Finance Group (as aggregator) under which most financiers may pay an additional commission depending on the total volume of business arranged with them. As part of our association with Platform Finance Group, Beinformed Group Pty Ltd may receive additional remuneration in the form of volume bonuses. Bonus remuneration is based on various benchmarks including loan portfolio growth and loan volume through PFG’s member base depending on a individuals financer’s bonus parameters.

Complaints

We endeavour to achieve excellent customer service. If you are not satisfied with our service we have established processes for managing your complaint. We will ensure we manage your complaint in confidence and deal with it promptly. If you are unsatisfied with our service, we look to ensure that your complaint:

• is simple to lodge with us;
• is dealt with seriously;
• is managed in confidence; and
• managed expeditiously.

A complaint could include:

• we gave you the wrong information;
• our service was not up to standard; or
• you have a problem with one of our staff.

Our processes for managing your complaint are intended to achieve a quick and efficient resolution of the issue. If you have a complaint please utilise the following complaints process:

• speak to our consultant about it; or
• if you are not satisfied with our consultants response please contact our Management Team, see below.

Our Management Team will fully investigate your complaint and respond to you within 10 business days.

Email

E-mail your complaint to TalkToUs@beCarWise.com.au with “Complaint” in the subject line.

Mail

Management Team beInformed Group Pty Ltd PO Box 1207, Crows Nest NSW 1585

Phone

Telephone 1300 734 500 and ask to speak to one of the Management Team.

Fax

Alternatively you may fax your complaint to (02) 9475 1425 to the attention of the Management Team. If you believe your complaint has not been resolved by our internal complaint processes you can contact our external dispute resolution service as outlined below.

External Dispute Resolution

In the unlikely event we cannot resolve your complaint in a satisfactory manner, or you have not received a response from us after 45 days, you can escalate your complaint to the below Ombudsman, a free and independent dispute resolution service provider.

AUSTRALIAN FINANCIAL COMPLAINTS AUTHORITY (AFCA):

AFCA Tel: 1300 931 678 or info@afca.org.au A copy of AFCA’s dispute resolution policy is available at www.afca.org.au by request. ACL’s Membership number with AFCA is: 14508

Limited Licence

Subject to the terms and conditions set forth in this Agreement, BGPL grants you a non-transferable, non-exclusive and limited right to use and display this website and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the website in any way. BGPL authorises you to view and download the information (“Content”) at this website only for your personal use (non-commercial use). This authorisation is not a transfer of title in the Content and copies of the Content and is subject to the following restrictions: 1) you must retain, on all copies of the Contents downloaded, all copyright and other proprietary notices contained in the Contents; 2) you may not modify the Contents in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Contents to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the website as it may be updated from time to time. This website, including all Contents, is copyrighted and protected by worldwide copyright laws. You agree to comply with all copyright laws worldwide in your use of this website and to prevent any unauthorised copying of the Contents. Except as expressly provided herein, BGPL does not grant any express or implied right to you under any patents, trademarks, copyrights or confidential trade information.

Disclaimer

This website has been prepared without consideration of your particular objectives, financial situation and needs. In all cases, you should conduct your own investigations and exploration of the information contained on this site. Given the intricacy of taxation legislation, individual circumstances may produce a particular result. If you are an employee of an organisation and are considering salary packaging a vehicle, you should seek your own professional advice in relation to the income tax, fringe benefits tax, goods and services tax, stamp duty and legal and accounting implications of the chosen form of finance. This disclaimer does not limit or alter your statutory rights, which cannot be excluded. The materials may contain inaccuracies and typographical errors. BGPL does not warrant the accuracy or completeness of the Contents or the reliability of any advice, opinion, statement or other information displayed or distributed through the website. You acknowledge that any reliance on any such opinion, advice, statement or information shall be at your sole risk. BGPL reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the website. BGPL may make any other changes to the website, the materials and the products, programs, services or prices (if any) described in the website at any time without notice. Subject to any applicable provisions of the trade practices act 1974 (cth), which cannot be modified or excluded, the information and contents on the website, and the software made available on the website, are provided “as is” without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose. These terms and conditions apply to the use of this website, including the purchase of goods or services via this website. In using this website for these or any other purposes, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, do not use this website. BGPL reserves the right to amend these terms and conditions at any time and such amendment will apply upon publication on this website. These terms and conditions must be read in conjunction with any other applicable terms and conditions governing the use of this website or the purchase of goods or services from BGPL. While BGPL tries to ensure that all information and prices contained on this website are accurate at the time of publishing, products and prices are subject to change without notice. BGPL cannot ensure the availability of any product or service. The information on this website should always be read in conjunction with other information provided by BGPL. To the extent permitted by law, BGPL excludes all express and implied warranties and all liability, whether direct, indirect, special or consequential, arising from negligence or otherwise relating to the use of this website, any inaccuracies and for any non-compliance by any goods or services with any representations, illustrations, specifications, product features or other information contained on this website. Where, by law, BGPL is not permitted to exclude its liability but is permitted to limit its liability, its liability will be limited to the maximum extent possible. Nothing in these terms and conditions should be taken to limit the operation of the statutory warranties implied under the Trade Practices Act 1974 (Cth) or related consumer protection laws. BGPL is not responsible for the contents of websites that are maintained by third parties and therefore waives its liability for any links from this website to other websites.