Australian Credit License

Credit License Details (Australian Credit License page):

Australian Credit License

Licensing Information

The Digital Brokerage Pty Ltd
Australian Business Number (ABN): [NUMBER]
Australian Credit License (ACL): [NUMBER]

We are authorized to engage in credit activities including credit assistance and acting as a credit intermediary under the National Consumer Credit Protection Act 2009 (Cth).

What This Means for You

As a licensed credit provider, we are required to:

• Act in your best interests when providing credit assistance
• Comply with responsible lending obligations
• Maintain professional indemnity insurance
• Follow strict conduct and disclosure requirements
• Protect your personal information in accordance with privacy laws

Our license is regulated by the Australian Securities and Investments Commission (ASIC). You can verify our license details on the ASIC Register at www.asic.gov.au.

Our Credit Activities

Under our Australian Credit License, we are authorized to:

• Provide credit assistance by suggesting or assisting with credit applications
• Act as a credit intermediary between you and lenders
• Assist with loan applications for residential mortgages and related credit products
• Provide information and comparisons of home loan products

Responsible Lending Obligations

We are required by law to:

• Make reasonable inquiries about your financial situation, requirements, and objectives
• Take reasonable steps to verify your financial information
• Assess whether credit products are not unsuitable for you before providing credit assistance
• Provide you with assessment documentation explaining the basis of our recommendations

Lender Panel and Commissions

We work with a panel of lenders and may receive commissions when your loan settles. These commissions are paid by lenders, not by you, and do not increase your loan costs.

Lender Arrangements:
We maintain relationships with [NUMBER] lenders including major banks, regional banks, credit unions, and non-bank lenders. A full list of our lender panel is available upon request.

Commission Disclosure:
We receive upfront commissions (typically 0.5-0.7% of loan amount) and ongoing trail commissions (typically 0.15-0.25% per year) from lenders. Specific commission amounts for your loan will be disclosed in your Credit Proposal.

Product Selection:
We are not required to consider all credit products in the market and will provide recommendations based on products available through our lender panel that we reasonably believe suit your needs.

Your Rights

As a consumer of credit services, you have the right to:

• Request information about our lender panel and commission arrangements
• Receive a Credit Proposal explaining our assessment and recommendations before proceeding
• Decline our recommendations and seek credit directly from lenders
• Request a copy of our internal dispute resolution process
• Make a complaint to external dispute resolution services if you're not satisfied with our response

Professional Indemnity Insurance

We maintain professional indemnity insurance as required under our license. This insurance covers claims relating to the conduct of our representatives and former representatives for work done while engaged with us.

Dispute Resolution

If you have a complaint about our services:

Step 1: Contact Us
Email: loans@thedigitalbrokerage.com.au
Phone: 1800 233 344
We will acknowledge your complaint within 1 business day and provide a response within 30 days.

Step 2: External Dispute Resolution
If you are not satisfied with our response, you can escalate your complaint to:

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

AFCA provides free and independent dispute resolution services for consumers.

Regulatory Authority

Our credit activities are regulated by:

Australian Securities and Investments Commission (ASIC)
Website: www.asic.gov.au
Phone: 1300 300 630

You can verify our license status and check for any conditions or restrictions on the ASIC Register.

Credit Guide

Before providing credit assistance, we will provide you with a Credit Guide that contains:

• Details about our services and how we are remunerated
• Information about our internal and external dispute resolution processes
• Our Australian Credit License number and contact details
• Privacy information and how we handle your personal data

You can request a copy of our Credit Guide at any time.

Compliance and Standards

We are committed to:

• Meeting all obligations under the National Consumer Credit Protection Act
• Following the Code of Banking Practice where applicable
• Maintaining membership with relevant industry bodies
• Ongoing professional development and training for our representatives
• Regular compliance audits and reviews

Document Retention

We are required to retain records of credit assistance provided for 7 years. This includes:

• Your credit application and supporting documents
• Our assessment and recommendations
• Correspondence and file notes
• Loan contracts and variations

You have the right to request copies of documents we hold about you.

Contact Us

For questions about our licensing, services, or your rights:

The Digital Brokerage Pty Ltd
Australian Credit License: [NUMBER]
ABN: [NUMBER]
Email: loans@thedigitalbrokerage.com.au
Phone: 1800 233 344
Address: [business address]

What needs customizing:

• ABN number
• ACL number
• Number of lenders on panel
• Business address
• Date

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