Terms and Conditions

This document sets out the basis on which Chevron Equipment Finance, ABN 58 119 232 825, PO Box 536, Varsity Lakes, QLD, 4227, (we, us, CEF) will provide the services to you, your obligations to us and the facts on which we both rely upon to enter into this agreement.

By applying for a loan through us you agree that you have read and agree to be bound by the terms and conditions listed below.

Services offered

We act as finance brokers on behalf of lenders, predominantly for equipment finance products. We will provide you with information regarding the type and availability of credit contracts, finance products and loans. We will also assist you in the application for finance by arranging offers to be made to you by lenders. We are not lenders and act only as intermediaries therefore do not represent the opinions of any lender, each of whom reserve the right to approve, decline, condition or vary any application that is submitted to them by us.

We do not advise you on the legal or financial implications of entering into credit arrangements or particular finance products.

Any quotes for finance provided by us are strictly subject to lenders approval and valid for 7 days only from the date of issue. All quotes provided are indicative only and may vary, depending on the financier who offers the credit, their approval terms and their pricing.

Our panel of lenders

We have entered into arrangements with the lenders which allow us to obtain credit for you from these lenders subject to you meeting the lenders credit criteria. The lenders with which we have arrangements do not necessarily represent all the lenders who offer credit of the nature that you seek. We can consider entering into agreements with lenders that are not part of our standard panel providing they deal with brokers and consent to our accreditation.

Fees payable by you

We are paid by the lender for doing the work that would otherwise be completed by a lender or bank manager. We will charge you a documentation fee for preparation of your documents on behalf of the lender and may also charge other fees including a fee to conduct a private sale transaction where applicable.

For some types of loans such as commercial loans, short term loans or loans where we will not earn industry standard commissions or have our commissions clawed back by the lender then we may charge you a brokerage fee.

In all cases, any fees charged by us will be disclosed to you up front.

In some situations, we may charge a processing fee for work completed if you have dealt with us in an unethical manner.

Refund policy

Any fee paid by you is non refundable.

Compliments & complaints

Please address all feedback in the first instance to: enquires@chevronfinance.com

We endeavour to handle your feedback in house via our Director or Complaints Manager.

In the event that a complaint you lodge with us is unable to be resolved you may refer your complaint to the Credit Ombudsman Service Limited, who are our appointed External Dispute Resolution scheme.

You may contact them only after you have been unsuccessful in coming to an agreement to us regarding your complaint. Their contact details are:

Credit & Investments Ombudsman Ltd

PO Box A252

Sydney South NSW 1235

Tel: 1800 138 422

Fax: 02 9273 8440

How will my complaint be handled?

One of our Managers will record the complaint on our register, investigate the complaint by discussing the matter with our staff, and then call the customer to further clarify their complaint.

Once sufficient information has been gathered, a decision is made on what action to take and, if necessary, compensation may be paid to the customer.

Once action has been taken, our Managers will analyse the cause of the complaint and discuss any required changes to our systems / procedures with the Director and/or Operations Manager.

The register is then updated with the outcome and the complaint file is closed.

We confirm that:

We do not determine or recommend the conditions of the credit contract (such as interest rates, fees or the term of the loan);

We and nobody else will receive any financial or other benefit or have any other interest or relationship which could reasonably be expected to influence our recommendation other than as disclosed in the brokerage agreement; and

You acknowledge and agree that:

You agree to engage us to arrange the loan described above on your behalf.

The information you have provided to us is true and correct and that we will rely upon such information in arranging for the loan on your behalf.

You understand that we are not qualified to give legal or financial advice and any information we give you is of a general nature only and is not specific for your situation. We recommend you obtain your own legal and financial advice regarding the suitability of the loan to your needs or purposes. In entering into this agreement you expressly agree and represent to us that you have relied upon your own independent inquiries and advice in relation to the financial and legal implications of entering into this agreement or a loan contract.

You will release us, indemnify us and hold us harmless from all and any loss, damage, cost or injury suffered by you, and with respect to any claim, proceeding, or action which does or might arise out or in relation to this agreement or the services provided to you by us.

The terms of the loan you are seeking are indicative only and may be subject to change. Please refer to the loan contract given to you by the lender for the full terms and conditions of the loan.

You are able to make the quoted repayments over the quoted term without undue hardship.

If your loan is a “Low Doc” loan then the income being declared by you is true and correct.

In dealing with us, you agree to be bound by these terms and conditions.

WEBSITE TERMS OF USE

Contained on this page are the Terms of Use for the www.chevronfinance.com site.

This site is owned by Chevron Equipment Finance ( CEF) ABN 58 119 232 825 (“we”, “us” or “our”) of PO Box 536, Varsity Lakes, QLD, 4227.

Please feel free to browse around our website as you like, subject to these terms. If you do not agree to these terms please do not make use of this website.

If you visit our website, you’re agreeing to the terms listed on this page and any other law or regulation that applies to our website.

Agreement to these terms and conditions

By using this website and any pages or material contained therein, you agree to be bound by these terms and conditions.

Intellectual property rights

This site is the subject of copyright protection and may contain trademarks, patents, technologies, products or processes the subject of intellectual property rights vested in CEF, its subsidiaries and/or third parties. No intellectual property licence, right or interest is granted to you in relation to those things.

User obligations

You promise that you will only make use of this website in a responsible manner and will not:

  • use this website for any purpose or in any way that is unlawful;
  • make use of the facilities provided by this website in a manner intended to, or likely to, mislead or deceive or harm others;
  • interfere with or damage the operation of this website or inconvenience others in their use

(or intended use) of this website;

  • frame this site as part of another site.

Errors: While we make every effort to maintain accuracy and completeness of all the information on our website, the dynamic nature of the medium means that this website could include errors. (If you notice any error, we’d appreciate if you bring it to our attention.) Your browser and hardware configurations, over which we have no control, affect the performance and operation of this website when accessed and viewed at your computer.

Viruses: We do not guarantee that any files, pages, or other things available for downloading from this website will be free of viruses or other code that may corrupt, harm or destroy. You are responsible for implementing virus and spyware checking and other procures to prevent any such corruption, harm or destruction.

Limitation of our liability to you: The use of this website is at your own risk and, to the extent permitted by law, you relieve us from any liability to you (whether in contract, tort or otherwise whatsoever) for any loss or damage suffered by you as a result of your use of this website or as a result of your use or attempted use of or reliance on any information, service or facility provided on, by or through this website.

Linking: We sometimes provide links to websites of others. We do so as a matter of convenience. However, we do not manage or control those websites and the link should not be taken as an endorsement or warranty by us in relation to any particular aspect of aspects of those sites.

Third party actions or opinions: CEF accepts no responsibility or liability for the actions or opinions of any third party which may be referred to on its website. These are merely references do not imply any guarantee of accuracy, recommendation, or endorsement by CEF.

Assignment: Your rights under the agreement, arising from your acceptance of these terms, are personal to you and may not be assigned without the prior written consent of us. That consent may be granted or refused in our sole discretion.

Our rights under the agreements arising from your acceptance of these terms may be assigned by us. We will notify you if we assign by a notice posted on our website.

Governing law and jurisdiction

In the event of any claim or dispute arising either directly or indirectly out of your use of this website, this agreement is governed by the law in force in the State of Queensland, Australia.

The above limitations are to be read as being subject to, and limited by, any rights or remedies available under the Trade Practices Act (Cth) 1974 or any other legislation, which cannot be limited or negated by terms and conditions such as these.

Changes to these terms and conditions

CEF reserves the right to make changes to the content of the website, including these terms and conditions from time to time.

Whilst changes are periodically made to the information on this site, CEF does not warranty that information currently accessible is up to date.

Chevron Equipment Finance Privacy Policy – updated January 2016

This Privacy Policy briefly explains how Chevron Equipment Finance ABN 58 119 232 825 (CEF) and our related businesses manage the personal information that we collect, use, disclose and store and how to contact us if you have any queries. This Privacy Policy is intended to be read subject to any overriding provisions of law or contract.

Personal Information

Personal information is information or an opinion, in any form and whether true or not, about an individual whose identity is apparent or can reasonably be ascertained from the information or opinion.

Type of Information Collected by CEF

The kinds of personal information we collect and store about our customers include (amongst other things):

  • Personal information you provide us as part of assisting you with your finance requirements. This information may include information and supporting documentation relating to your name, past and current addresses, telephone number, email address, date of birth, past and current occupations;
  • Credit information, supporting documentation and credit search results required in order to assess your eligibility to obtain financial products including credit history, income tax details, account details, outstanding debts and liabilities, expenses, earnings, repayment history and tax file number;
  • Communication between you and CEF, finance service providers, and where applicable your employers and credit agencies.
  • Some telephone conversations which may be recorded from time to time for quality and training purposes.

If you are applying for finance we may also be required by the financiers to collect some personal information regarding your dependants, including number and ages of dependants, as well as cohabitants, their relationship to you and the length of time they have cohabitated at your current address.

How your personal information will be used

We collect your personal information so that we can use it for our functions and activities which include, amongst other things:

  • Assisting you with your finance requirements;
  • To keep you informed of our products and services and any changes to our organisation;
  • To facilitate contact with you;
  • Confirming your identity (eg. when you wish to use our products or services);
  • Addressing any feedback or complaints or queries you may have;
  • Any purposes for which it was requested and directly related purposes, monitoring and developing, improving and marketing our products and services; and
  • To comply with any mandatory requirement of law.

Disclosure of Personal Information to third parties

The organisations we may disclose your personal information to include:

  • Finance providers or other intermediaries as part of assisting you with your financial requirements;
  • Anybody who represents you including financiers, brokers, lawyers and accountants;
  • Your past and current employers, referees, identity verification services;
  • Our related companies, business associates and others for purposes directly related to the purpose for which the personal information is collected;
  • Organisations involved in any possible future transfer/sale of all or part of our assets or business;
  • To our professional advisors, relevant contractors and service providers;
  • Our national cloud storage and IT service providers;
  • Others that you have been informed of at the time any personal information is collected from you;
  • To any entity to which we are required or authorised by or under law to disclose such information.

Direct Marketing

From time to time we may use your personal information to provide you with current financial information, any changes to CEF, new product offers by CEF or any company with whom we are associated. We may from time to time use third party businesses to assist us in managing your account for these purposes.

If you do not wish to receive marketing information you may at any time decline to receive such information by contacting us on 13000 334 345 or writing to us at Privacy Officer, CEF, PO Box 536, Varsity Lakes, QLD 4227. If the direct marketing is received by email or text message you may also use the unsubscribe function. We will not charge you for giving effect to that request and will take all reasonable steps to meet your request at the earliest possible convenience.

Collection of other information

If you visit our website, some of the information we and/or our contractors/service providers collect about your visit to our website is not personal information because it does not reveal your identity. Information gathered when you visit our website includes your server address, the date and time of your visit, the pages you accessed, the information you downloaded and the type of Internet browser you used.

How safe and secure is your personal information we hold?

We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic format and may rely on cloud storage or IT service providers to support our services. These external service providers will similarly be required to comply with the privacy requirements.

Access and correction of your personal information

You have a right to access your personal information, subject to some exceptions allowed by law. If you would like to do so, please let us know in writing:

Privacy Officer

CEF Finance Group

PO Box 536

Varsity Lakes, QLD 4227

Help us to keep your information up to date

It is important to us that the personal information we hold about you is accurate, complete and up to date. However, the accuracy of that information depends to a large extent on the information you provide. That is why we recommend that you:

  • Let us know if there are any errors in your personal information; and
  • Keep us up to date with changes to personal information especially contact details. You can update your details at any time:

In writing: PO Box 536, Varsity Lakes, QLD 4227

Phone: 1800 334 345     Email: enquiries@ChevronFinance.com

Other website matters

  • Security

When you use the Internet, you are using facilities that are beyond our control and there are risks associated with transferring data.

Any personal information that we hold about you in our computer systems is made more secure from unauthorised access by a range of internal security mechanisms and procedures.

If you become aware of any security breach however, please let us know as soon as possible.

  • Third Party Web Pages

Our website may also contain links to third party websites that we do not operate or control. Please note that we are not responsible for the privacy or security practices of those websites and that those sites are not covered by this Privacy Policy. Third party websites may have their own privacy and security policies, which we encourage you to read.

Complaints

If you are dissatisfied with how we have dealt with your personal information or have a complaint generally about our compliance with the Privacy laws, you may contact our complaints officer, on 1800 334 345 or email: equiries@chevronfinance.com.

We will take all reasonable steps to promptly deal with your complaint in accordance with our internal complaints handling procedures.

If you however remain dissatisfied with the response of our complaints officer you may make a complaint to the Privacy

Commissioner which can be contacted on either www.oaic.gov.au or 1800 363 992.

Updates to Privacy Policy

We may amend this Privacy Policy from time to time. If we do so, we will post the amended Privacy Policy on our website so that you will always be aware of how we manage your personal information.