Terms/ Conditions/ Commission and Fee Disclosure

We take a position that we are happy for our customers to view our commission schedule for our complete panel of lenders.

For the preparation of advice and commitment to implementation Grow Capital Australia will charge a fee of $380 + GST. This is refundable to the client should an approval not be obtained.. Once a customer you will have access to our Property Plus program in which you can access complementary property reports, suburb statistics and property valuations by contacting shayne@gcafiannce.com.au

From time to time, we may receive non-monetary benefits from lenders and other parties such as training and other information seminars. The value of these benefits is usually unascertainable to us.

From time to time we will make payment to a partner business for introducing a customer which results in a transaction. The maximum we will pay for this arrangement is 20% of the revenue we receive for the transaction.

This small fee is in appreciation of the referring party having sent us your valuable custom. This fee is not paid by you.

See our full commission schedule

HERE

Privacy Consent and Acknowledgement

Grow Capital Australia Northcote, VIC, 3070

ABN 82 724 629 093

Consent to Disclose Personal Information and acknowledgement to Grow Capital Australia

I/ We acknowledge that GCA Finance are not qualified to give legal advice and I/we should seek legal advice in relation to the property purchase, loan application, insurance, mortgage documentation, first home owners grant, loan guarantees, loan contracts and any other information requiring legal advice. Government fees and charges should also be confirmed with your solicitor.

I/we acknowledge that GCA Finance are not qualified tax accountants and may not be investment advisors and I/we should seek professional taxation and investment advice in relation to the application, purchase and for any other information regarding these professional services.

I/we acknowledge that GCA Finance has not given advice, recommendations or suggestions in relation to self certification or low documentation loan income figures

I/we acknowledge that GCA Finance has not given advice in relation to expected movement of future interest rates

I/we acknowledge that GCA Finance has not given any advice or recommendations in relation to savings or deposit accounts.

I/we acknowledge that interest rates, fees and charges quoted by GCA Finance are supplied by various lenders, mortgage managers and Connective Services Pty Ltd. Therefore GCA Finance takes no further responsibility for their accuracy. All rates are indicative only and are subject to change.

I/we acknowledge that if I/we have selected a fixed interest rate, the rate secured may be the rate applicable on the settlement day. Some lenders may have a Rate guarantee option. Please discuss this with your Finance Consultant.

I/we acknowledge that the GCA Finance consultant is not an agent for and acts independently of the lender

I/we acknowledge that the loan application is subject to the lenders approval processes and the GCA Finance Consultant is unable to provide approvals until the application has been assessed and has met the lenders criteria.

I/we acknowledge that Grow Capital Australia may receive or pay a fee for referring other facilities to affiliated organisations.

I/we acknowledge that the products and services offered by affiliated organisations are taken at my/our own discretion and risk. Grow Capital Australia also suggests seeking professional legal, taxation, financial advice in relation to these transactions. Grow Capital Australia takes no further responsibility for the products and services offered by affiliated institutions.

I/we acknowledge that our consultant has provided a copy of the credit services guide outlining how we are paid and our customer dispute resolution process.

I/we acknowledge that the consultant has provided a copy of a credit proposal disclosure document.

PURPOSE FOR COLLECTING PERSONAL INFORMATION

You agree that we may collect, use and disclose your personal information for the following purposes:

1. 1.processing and tracking your requested services and products;
2. 2.processing commission payments;
3. 3.marketing and sales promotion;
4. 4.administrative operations including statistical reports, accounting, record keeping, development and testing of
5. 5.systems and the training of staff and Appointed Credit Service Providers;
   1. a.complying with legislative and regulatory requirements (including requirements of self-regulatory bodies); and
   2. b.developing, establishing and administering alliances and other arrangements with other organisations relating to the
   3. c.promotion, administration and use of our respective products and services.

DISCLOSURE OF PERSONAL INFORMATION

You agree and consent that we may disclose your personal information to each other (including related entities, employees, contractors, agents and persons otherwise engaged). You also agree and consent that we may disclose your personal information to the following types of persons and organisations for the purposes outlined above:

• • 1. i.banks, financial institutions, and other product or service providers;
    2. ii.organisations with whom Grow Capital Australia has alliances and other arrangements and organisations
    3. iii.considering an alliance, investment, or other arrangement with Grow Capital Australia;
       1. 1.consultants, advisers and experts; and
       2. 2.related entities, employees, contractors, agents and persons otherwise engaged by any of the above.
       3. 3.ACCESS TO YOUR PERSONAL INFORMATION

All your personal information held by GROW CAPITAL AUSTRALIA will be used and disclosed in accordance with the Privacy Policy, available from GROW CAPITAL AUSTRALIA. Subject to the provisions of the Privacy Act 1988 (Cth), you can arrange access to your personal information held by us by calling your GROW CAPITAL AUSTRALIA office on 1800 249 066.