ARE YOU SURE |
GET FUNDS *UPON APPROVAL ; |
It takes only 5 minutes to complete and submit the loan application. |
Ph: (02) 9623 1333
169 Queen St, St Marys NSW 2760
Ph: (02) 9791 0033
346 Chapel Rd, Bankstown NSW 2200
Ph: (02) 9676 2644
17 Campbell St, Blacktown NSW 2148
Ph: (02) 4260 9066
258 Queen St, Campbelltown NSW 2560
Ph: (02) 9724 4222
128 Ware St, Fairfield NSW 2165
Ph: (02) 9829 8955
39 Oxford Rd, Ingleburn NSW 2565
Ph: (02) 9601 0066
37 Moore St, Liverpool NSW 2170
Ph: (02) 9687 4411
77 Macquarie St, Parramatta NSW 2150
Ph: (02) 4732 4099
68 Station Street, Penrith NSW 2750
Apply online at your convenience
The information contained in this website is for general information purposes only. This information is provided by Moneyplus and whilst we endeavour to keep the information up-to-date and correct, Moneyplus gives no warranty and accepts no responsibility for the accuracy or the completeness of the material. Any reliance the user place on such information is therefore strictly at their own risk.
Moneyplus reserves the right at any time to make changes, as it deems appropriate. Links to other websites are inserted for convenience and inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
* Due to the large volume of online applications, there can be a 24 hours delay in processing your application. If you need cash fast, we suggest applying at one of our Branches.
** Subject to all documents being provided.
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
Privacy Policy
Paymay Pty Ltd
1. Introduction
This Policy applies to the operations and functions of Paymay Pty Ltd ACN 137 270 369 (referred to in this Policy as Paymay, we, our, or us).
All Third Parties (including Related Parties, customers, suppliers, sub-contractors, or agents) to which personal information held by Paymay is disclosed must comply with this Policy. Paymay makes this Policy available free of charge on request and from its website: www.moneyplus.com.au
This Policy outlines how Paymay manages the personal information it collects to be open and transparent, in accordance with the Privacy Act 1988 (Cth) ('Privacy Act'), the Australian Privacy Principles ('APPs') and, the Privacy (Credit Reporting) Code ('the Code').
2. KIND OF PERSONAL INFORMATION DO WE COLLECT AND HOLD
We may collect and hold the following kinds of personal information:
3. HOW WE COLLECT AND HOLD PERSONAL INFORMATION
We generally collect personal information directly from the individual it relates to when that individual interacts with us. For example, personal information will be collected when an individual applies for credit or opens an account with us either online or in person, visits our website, or sends us correspondence.
Sometimes we may collect personal information about an individual from their employer, financial institution, another credit provider or a credit reporting body ("CRB"). In this event, we take reasonable steps to ensure that the individual is made aware of the matters set out in this Policy.
We may arrange for third party service providers to use cookies to analyse traffic to our website (www.moneyplus.com.au). Information collected this way is anonymous.
We will not collect sensitive information about an individual unless the individual has consented or an exception to obtaining this consent applies. The exceptions include circumstances under which the collection is required or authorised by law, or it is necessary to take action in relation to suspected unlawful activity or serious misconduct.
If consent is not given or the personal information we request is not provided, we may not be able to provide our services, or otherwise meet an individual's needs.
We do not give individuals the option of dealing with us anonymously, or under a pseudonym. This is because it is impractical, and in some circumstances illegal, for us to deal with individuals who are not identified.
All personal information we hold in electronic format is held securely on our premises. We have cybersecurity measures in place that comply with international standards and ASIC regulatory requirements.
4. UNSOLICITED PERSONAL INFORMATION
We destroy or de-identify all unsolicited personal information we receive, unless the personal information is relevant to services we or a related entity have provided, are providing or propose to provide to the individual to which it relates.
5. WHO WE COLLECT PERSONAL INFORMATION ABOUT
We may collect personal information about the following individuals:
6. WHY WE COLLECT AND HOLD PERSONAL INFORMATION
We may collect and hold information about individuals for us or a related party (collectively 'Money Plus') to:
7. HOW WE USE AND DISCLOSE PERSONAL INFORMATION
We may use and disclose personal information for the primary purposes for which it is collected, for reasonably expected secondary purposes which are related to the primary purpose and in other circumstances authorised by the Privacy Act.
We use and disclose personal information, excluding credit information, for the purposes outlined in section 6 above. Sensitive information will be used and disclosed only for the purpose for which it was provided or a directly related secondary purpose, unless the individual agrees otherwise, or where certain other limited circumstances apply (e.g., where required by law). Such a directly related purpose may also include updated information, such as changed employment details, during the life of a loan (including where a default or fees remain unpaid). You should note that we may need to contact previous employers where this is relevant to a current loan or application.
We engage other people to perform services for us, which may involve disclosure of personal information to them and that person handling the personal information we hold. In these situations, we prohibit that person from using personal information about individuals we have disclosed except for the specific purpose for which we supply it. We prohibit that person from using your information for the purposes of direct marketing their products or services.
In relation to sensitive information held by us, wherever possible, Paymay will attempt to de-identify the information.
We delete all personal information about an individual when it is no longer needed or relevant.
8. TO WHOM WE DISCLOSE PERSONAL INFORMATION
We may disclose personal information, excluding credit information, to:
Also, If we collect personal information from these organisations and individuals we will deal with that information in accordance with this Policy.
9. HOW WE USE AND DISCLOSE CREDIT INFORMATION
We will only use and disclose credit information we collect for:
We will only disclose credit information to the following recipients:
If we intend to provide default information about an individual to a CRB, we will give the individual at least 14 days written notice. If we disclose default information to a CRB, and the individual subsequently repays the amount owed, we will tell the CRB the individual has repaid the amount owing. We will not disclose credit repayment history information to the CRB which is more than 2 years old.
10. SENDING INFORMATION OVERSEAS
We are not likely to disclose personal information to an overseas recipient.
11. MANAGEMENT OF PERSONAL INFORMATION
The APPs require us to take all reasonable steps to protect the security of personal information, including credit information that we hold.
We take reasonable steps to protect personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Where we no longer require personal information, we will take reasonable steps to destroy it.
12. DIRECT MARKETING
Paymay does not use personal information for the purposes of direct marketing, unless:
If the individual would not reasonably expect us to use or disclose the information for the purpose of direct marketing, we may only use or disclose that information for direct marketing if the individual has consented to the use or disclosure of the information for direct marketing or it is impracticable to obtain that consent.
In relation to sensitive information, we may only use or disclose sensitive information about an individual for the purpose of direct marketing if the individual has consented to the use or disclosure of the information for that purpose. We will not use or disclose credit information for the purposes of direct marketing except as mentioned above
Individuals have the right to opt out of direct marketing and we give effect to any request we receive, within a reasonable period of time.
Individuals may also request that we provide them with the source of the personal information we hold about them. If such a request is made, Paymay will notify the individual of the source of the information free of charge within a reasonable period of time.
13. RETRIEVAL OF BANK STATEMENT DATA
We have nominated Illion bank statements as our external bank statement retrieval provider to retrieve and review your bank statement(s), as required by law to assess your loan application. The below outlines your rights and obligations to using this automated bank statement retrieval service
By entering your login details, you agree to the terms:
For further information please visit https://bankstatements.com.au or call (08) 7122 9452
14. IDENTIFIERS
We will not use identifiers assigned by the Government, such as a tax file number, Medicare number, passport number or drivers licence number., for our own file recording purposes, unless one of the exemptions in the Privacy Act applies. Paymay endeavours to avoid data- matching. We do not disclose this information unless permitted by law. We may use Government identifiers to verify your identity when you deal with us.
15. HOW WE KEEP PERSONAL INFORMATION ACCURATE AND UP-TO-DATE
We take reasonable steps to ensure that the personal information, including credit information, we collect, use and disclose is relevant, accurate, complete and up-to-date.
We encourage individuals to contact us in order to update any personal information we hold about them. If we correct information that has previously been disclosed to another entity, we will notify the other entity within a reasonable period of the correction. Where we are satisfied information is inaccurate, we will take reasonable steps to correct the information within 30 days, unless the individual agrees otherwise. We do not charge individuals for correcting the information.
16. HOW WE GAIN ACCESS TO YOUR PERSONAL INFORMATION
Individuals may generally gain access to the personal information, including credit information, which we hold about them. Access may be sought by contacting the Privacy Officer by phone (02) 9676 1974 or email headoffice@moneyplus.com.au. We will provide access within 30 days of the request.
If we refuse to provide access, we will provide reasons for the refusal.
The individual will be able to look at his or her personal information at our head office or other offices as agreed beforehand. We will require identity verification and specification of what information is required. An administrative fee for search and photocopying costs may be charged for providing access.
17. UPDATES TO THIS POLICY
This Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and the business environment.
18. RESPONSIBILITIES
It is the responsibility of our management to inform employees and other relevant parties that the Privacy Policy is maintained and enforced. Management must ensure that they periodically advise our employees and other relevant Third Parties of any changes to the Privacy Policy.
It is the responsibility of all employees and other relevant parties to ensure that they understand and comply with this Privacy Policy.
Ignorance of the existence of the Privacy Policy will not be an acceptable excuse for non- compliance.
19. PRIVACY TRAINING
All new employees are provided with timely and appropriate access to Paymay's Privacy Policy. All employees are required to attend training which covers our obligations under the Act, the APPs and Guidelines and the Code.
20. INQUIRIES AND COMPLAINTS
If you have any questions about our privacy procedures, or if you wish to make a complaint about how we have dealt with your personal information (including credit information) you may lodge a complaint with us in any of the following ways:
21. WHAT IF I AM NOT SATISFIED WITH THE RESPONSE?
If you are not satisfied with our response to your complaint, you can contact the Australian Financial Complaints Authority ('AFCA') for an independent review. You can make a complaint by visiting AFCA's website www.afca.org.au.
You can also refer your complaint to the Office of the Australian Information Commissioner (OAIC). You can contact the Office of the Australian Information Commissioner:
22. REVIEW AND AMENDMENT
We review this Policy at least annually and welcome comments and feedback to ensure it remains effective and up to date.
Updated September 2022
Target Market Determination for SACC, MACC and OACC
Small Amount Credit Contracts
DATE
The date from which this document is effective is 5 October 2021
INTRODUCTION
This document is intended to comply with our obligations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019, which requires the determination of a target market for our products, and associated purposes. It will give the consumer assistance in determining whether the product is aimed at them, whilst at the same time allowing us to gauge whether the products are meeting their intended market. This document is called the Target Market Determination, hereinafter referred to as “TMD”.
It is also intended to provide consumers, and where appropriate, distributors with an understanding of the class of consumers for which the product has been designed. It takes into account the objectives, needs and financial situation of those members of the target market.
This TMD is not intended to replace other documents related to the products provided by us which set out the terms and conditions relating to the product upon which we expect you to rely when making a decision about applying for the product, including, and in particular, the contract document which will be sent to you prior to you entering into an agreement with us.
PRODUCT
The product to which the TMD relates is the SMALL AMOUNT CREDIT CONTRACT (“SACC”) offered by us, as that term is defined in section 5 of the National Consumer Credit Protection Act 2009, that is, loans in which:-
TARGET MARKET
SACCs have been designed for consumers who:
These are regarded as the key attributes of the loan.
CONDITIONS AND RESTRICTIONS ON SUPPLY
We will not supply a SACC to any consumer:
HOW WILL WE KNOW IF THE PRODUCT IS NOT MEETING THE TARGET?
Based on the description of the target market above, we believe that it is unlikely that the product will not meet the target market. Nevertheless, we will maintain a watch on the consumers who access the loans to ensure that the majority are within the target market. If they are not, we will review the product and change its key attributes to ensure that the target market is met.
DISTRIBUTION
It is intended that the sole method of distribution to consumers will be by us, as the credit provider, alone. Access will primarily be by way of our website or by making direct contact with us. We do not have authorised representatives, or agents for the purposes of distribution.
REVIEW
We will review this TMD on the occurrence of any of the following triggering events
significant dealing. We will consider whether there has been a significant dealing:
A triggering event will require the review to be undertaken within one month.
REPORTING
As noted above, we do not use distributors in the provision of SACCs to consumers. As a result, whilst the law requires a TMD to set out what information must be provided by distributors to us, in our view, this is not necessary. The TMD will be revisited if we commence distribution through a distribution network.
TMD SACC Ver 4
June 2024
Target Market Determination for SACC, MACC and OACC
Medium Amount Credit Contracts
DATE
The date from which this document is effective is 5 October 2021
The document was reviewed on 4 May 2023
INTRODUCTION
This document is intended to comply with our obligations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019, which requires the determination of a target market for our products, and associated purposes. It will give the consumer assistance in determining whether the product is aimed at them, whilst at the same time allowing us to gauge whether the products are meeting their intended market. This document is called the Target Market Determination, hereinafter referred to as “TMD”.
It is also intended to provide consumers, and where appropriate, distributors with an understanding of the class of consumers for which the product has been designed. It takes into account the objectives, needs and financial situation of those members of the target market.
This TMD is not intended to replace other documents related to the products provided by us which set out the terms and conditions relating to the product upon which we expect you to rely when making a decision about applying for the product, including, and in particular, the contract document which will be sent to you prior to you entering into an agreement with us.
PRODUCT
The product to which the TMD relates is the MEDIUM AMOUNT CREDIT CONTRACT (“MACC”) offered by us, as that term is defined in section 204 of the National Credit Code found in Schedule 1 of the Consumer Credit Protection Act 2009, that is, loans in which:-
TARGET MARKET
MACCs have been designed for consumers who:
These are regarded as the key attributes of the loan.
CONDITIONS AND RESTRICTIONS ON SUPPLY
We will not supply a MACC to any consumer:
HOW WILL WE KNOW IF THE PRODUCT IS NOT MEETING THE TARGET?
Based on the description of the target market above, we believe that it is unlikely that the product will not meet the target market. Nevertheless, we will maintain a watch on the consumers who access the loans to ensure that the majority are within the target market. If they are not, we will review the product and change its key attributes to ensure that the target market is met.
DISTRIBUTION
It is intended that the sole method of distribution to consumers will be by us, as the credit provider, alone. Access will primarily be by way of our website or by making direct contact with us. We do not have authorised representatives, or agents for the purposes of distribution.
REVIEW
We will review this TMD on the occurrence of any of the following triggering events
significant dealing. We will consider whether there has been a significant dealing:
A triggering event will require the review to be undertaken within one month.
REPORTING
As noted above, we do not use distributors in the provision of MACCs to consumers. As a result, whilst the law requires a TMD to set out what information must be provided by distributors to us, in our view, this is not necessary. The TMD will be revisited if we commence distribution through a distribution network.
TMD MACC Ver 1
May 2023
Target Market Determination for SACC, MACC and OACC
Other Amount Credit Contracts
DATE
The date from which this document is effective is 5 October 2021
The document was reviewed and on 4 May 2023
INTRODUCTION
This document is intended to comply with our obligations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019, which requires the determination of a target market for our products, and associated purposes. It will give the consumer assistance in determining whether the product is aimed at them, whilst at the same time allowing us to gauge whether the products are meeting their intended market. This document is called the Target Market Determination, hereinafter referred to as “TMD”.
It is also intended to provide consumers, and where appropriate, distributors with an understanding of the class of consumers for which the product has been designed. It takes into account the objectives, needs and financial situation of those members of the target market.
This TMD is not intended to replace other documents related to the products provided by us which set out the terms and conditions relating to the product upon which we expect you to rely when making a decision about applying for the product, including, and in particular, the contract document which will be sent to you prior to you entering into an agreement with us.
PRODUCT
The product to which the TMD relates is the OTHER AMOUNT CREDIT CONTRACT (“OACC”) offered by us, that is, loans in which:-
TARGET MARKET
OACCs have been designed for consumers who:
These are regarded as the key attributes of the loan.
CONDITIONS AND RESTRICTIONS ON SUPPLY
We will not supply an OACC to any consumer:
HOW WILL WE KNOW IF THE PRODUCT IS NOT MEETING THE TARGET?
Based on the description of the target market above, we believe that it is unlikely that the product will not meet the target market. Nevertheless, we will maintain a watch on the consumers who access the loans to ensure that the majority are within the target market. If they are not, we will review the product and change its key attributes to ensure that the target market is met.
DISTRIBUTION
It is intended that the sole method of distribution to consumers will be by us, as the credit provider, alone. Access will primarily be by way of our website or by making direct contact with us. We do not have authorised representatives, or agents for the purposes of distribution.
REVIEW
We will review this TMD on the occurrence of any of the following triggering events
significant dealing. We will consider whether there has been a significant dealing:
A triggering event will require the review to be undertaken within one month.
REPORTING
As noted above, we do not use distributors in the provision of OACCs to consumers. As a result, whilst the law requires a TMD to set out what information must be provided by distributors to us, in our view, this is not necessary. The TMD will be revisited if we commence distribution through a distribution network.
TMD OACC Ver 1
May 2023
Terms of Use
Effective Date: April 2024
Last Modified Date: April 2024
Welcome to www.moneyplus.com.au (“Website”) and “Moneyplus Fast Loans” mobile application (“Mobile Application”) operated by ABAZ PTY LTD. (“we”, “us”, or “our”). The Website and Mobile Application is designed to provide users a simple and easy loan application process. These Terms and Conditions (“Terms”) govern your access to and use of our Services available through our Website and Mobile Application. Please read these Terms carefully before accessing or using our Website or Mobile Application.
By accessing or using our Website or Mobile Application, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services
1. Acceptance Of Terms
By accessing or using the Website or Mobile Application, you represent and warrant that you are 18 years old or older and have the legal capacity to enter into these Terms. If you are applying for a loan using our Website or Mobile Application, you need to meet our eligibility criteria as mentioned in the section “3. USER ELIGIBILITY” below.
2. Services Offered
We offer quick and reliable loans from $100 to $6,000 that can be processed online or cash in hand through one of our 9 branches in Sydney, NSW. We endeavour to provide the best, most efficient financial Services and solve customers’ financial problems. For us, that means taking the time to listen to every individual's need and help them as best we can.
3. User Eligibility
Our Services are intended for individuals who possess the legal capacity to enter into binding contracts and meet our eligibility criteria as listed below.
3.1 | 18 years of age or older |
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3.2 | Currently working |
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3.3 | Earning over $250 per week |
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3.4 | Wages paid electronically into their bank accounts |
4. Using Our Services
4.1 | Registration: In order to access our Mobile Application, you will be required to register for a user account. When registering, you must provide accurate and complete information. You can access our Website without registering for a user account. |
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4.2 | Account Security: You are solely responsible for maintaining the confidentiality of your account information, including your password, and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account. |
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4.3 | Accuracy of Information: You agree to provide accurate, current, and complete information about yourself as requested by our Services and to update such information to keep it accurate, current and complete. |
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4.4 | Lawful Use: You agree to use our Services only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use of our Services. |
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4.5 |
Prohibited Conduct: You agree not to:
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5. Intellectual Property Rights
All materials within our Website, including but not limited to text, graphics, logos, images, and software, are the property of Moneyplus, our content suppliers or our licensors and are protected by Australian and international copyright and trademark laws. You are granted limited license to access to use our Website and Mobile Application to allow you to use our Services.
You acknowledge and agree that you do not acquire any ownership rights on the Website or Mobile Application. You may not use, reproduce, distribute, modify, or create derivative works of our Website or Mobile Application without our prior written consent.
6. Amendments To Terms & Conditions
We reserve the right to modify or update these Terms of Use from time to time by posting an updated version of these Terms of Use and changing the “Date Last Modified” above. Your continued use of the Website or Mobile Application after the posting of any changes constitutes your acceptance of the modified Terms of Use.
7. Privacy
We collect and use personal information as described in our Privacy Policy. By accessing or using our Website or Mobile Application, you consent to the collection and use of your personal information as described in the Privacy Policy.
8. Disclaimer Of Warranties
THE Website and Mobile Application IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
9. Limitation Of Liability
IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE Website or Mobile Application, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
10. Indemnification
You agree to indemnify and hold us harmless from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the Website or Mobile Application or any violation of these Terms of Use.
11. Termination
We may terminate or suspend your access to the Mobile Application, in whole or in part, at any time and without prior notice, for any reason or no reason. Upon termination, your right to use our Mobile Application will immediately cease.
12. Governing Law And Dispute Resolution
These Terms of Use shall be governed by and construed in accordance with the laws of NSW, Australia. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of NSW, Australia.
Any disputes arising out of or related to these Terms or the Services shall be resolved by lodging a complaint to our complaint officer by calling 029621 8333 or sending an email to headoffice@moneyplus.com.au or writing to “The Complaint Officer, PO Box 42 Blacktown NSW 2148” or speaking to any representative of our business who will refer you to the Complaint Officer. You can refer our Website to lodge a complaint with us.
If we do not reach agreement on your complaint, you may refer the complaint to our external dispute resolution provider AFCA (Australian Financial Complaints Authority) PO Box A252 Sydney South NSW 1235 or online at www.afca.org.au
AFCA are a member of the ASIC Approved External Dispute Resolution (EDR) Scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints
13. Contact Us
If you have any questions or concerns about these Terms, please contact us at headoffice@moneyplus.com.au
These Terms of Use constitute the entire agreement between you and us regarding your use of our Website and Mobile Application and supersede any prior or contemporaneous understandings or agreements, whether oral or written.
IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY ALL OF THE FOREGOING TERMS, PLEASE DO NOT ACCESS AND/OR USE THE WEBSITE AND/OR MOBILE APPLICATION.
Terms of Use Ver 1
April 2024
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