Robo Loans Pty Ltd – Credit Guide

Thank you for considering doing business with Robo Loans.

We are a Representative of a licensed provider of credit assistance under the National Consumer Credit Protection Act 2009. This document provides you with information about us, our Licensee with whom you are dealing and the services we provide.

Our Licensee

Your Credit Representative

Our Licensee has authorised Robo Loans Pty Ltd and Xavier Wiaczek as their Credit Representative:

If you are looking for consumer credit products, our role is to help you find a product that suits you. That process involves talking to you to understand your requirements and objectives in seeking credit, as well as understanding your financial position.

Our assistance process

We are required by law to ensure that any credit product with which we assist you can be deemed “not unsuitable” for you. In simple terms, this means that the product fits your needs and that you can afford to meet the financial repayments.

To establish this, we need to:

• Make enquiries with you as to your needs;
• Make enquiries with you as to your financial position; and
• Collect evidence from you to verify your financial position.

Once we have done this, we will then use our broking expertise to find a product in the market place that you can afford and that meets your needs.

We can provide you with a report – called a Preliminary Assessment – on how we determined that any loan we assisted you with was not unsuitable for you. You may request this report up to seven years after we provided you with this assistance.

With what products do we provide assistance?

In the past 3 months, the top 6 lenders that our clients have been placed with are:

1. Affordable Car Loans Pty Ltd
2. Pepper Money Limited
3. Plenti Pty Limited
4. Fin One Pty Ltd
5. Azora Finance Group Pty Ltd
6. Liberty Financial Pty Ltd

In the past 3 months, the top 6 lenders of our licensee are:

1. Macquarie
2. Commonwealth Bank
3. Westpac
4. ANZ
5. Bankwest
6. NAB

This is not to say that we will only deal with these lenders, it is simply that the products these lenders offer have been most suitable to our most recent clients. Your case may be different and we would look at your needs separately and independently of the above list.

Lists current as at August 2026 and reviewed quarterly.

How do our Credit Representatives get paid?

Our Credit Representatives are paid a commission directly from the lender. The lender may pay them a percentage amount upon settlement of your loan and may also pay them an ongoing percentage amount for the life of your loan.

These amounts are paid to the Credit Representative by the lender and ARE NOT payable by you. Robo Loans does not charge you any fee for our services. You will never receive an invoice from us, and no part of what we are paid is charged to you separately by us.

Before we provide you with credit assistance in relation to a particular loan, we will give you a Credit Proposal Disclosure Document. It sets out the commission we expect to receive from the lender for that loan, and the lender’s fees and charges for that product. You do not need to sign it – it is provided so that you can see how we are paid.

If you are interested and want an estimate of what the commission payment will be and how it is worked out, please just ask us or our Credit Representative and we will be only too glad to provide you with this information.

What if you are not happy with our services?

At Robo Loans, we always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.

We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.

If, for any reason, you do not feel that you have received the highest standard of care from us, we encourage you to share this with us. We have developed a process that we believe makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly.

You can contact us by whichever of the following means best suits you:

• Complaints Manager
• QED Credit Services Pty Ltd
• 31 Ardentallen Road, Enoggera, QLD 4051
• admin@qedrisk.com.au
• Phone: 1300 817 662

If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.

We will try to deal with your complaint on the spot. However, if this is not possible, we will write to you to acknowledge your complaint within 24 hours of receipt. We will ensure we treat you fairly and will work to resolve your complaint as soon as possible. In the rare event we are still investigating your complaint after 30 days we will write to you to explain why and to let you know when we expect to have completed our investigation.

When we have completed our investigation, we will write to let you know the outcome and the reasons for our decision.

Taking it further

We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, then you can have your complaint heard by our external dispute resolution scheme, AFCA, an independent party. You can contact AFCA at:

How we manage your information

Collection and use of your information

Robo Loans Pty Ltd and its representatives will only seek to collect necessary information from you in order to provide you with the credit assistance you have sought from us. We may also use this information for purposes associated with our services such as follow-up calls to assist you.

In some cases, we may seek to collect credit information about you. If we do this, it will only be from an Australian Credit Reporting Body and only with your consent, which we will ask you to provide by signing the form over the page.

We receive services to support the broking services we give you. We receive mortgage aggregation services from PLAN Australia and compliance services from our Licensee, QED Credit Services. Sometimes they collect personal information about customers to manage customer enquiries or complaints, commission payments or file reviews. If you want to find out how they manage your personal information, please visit:

• http://www.planaustralia.com.au/privacy-policy
• https://www.qedrisk.com.au/privacy-policy

In certain circumstances, we may also be required to collect sensitive information (such as health information) on behalf of the lender in the course of giving you credit assistance.

Disclosure of personal information

Robo Loans and its representatives will never unnecessarily exchange your personal or business information with any third party for any reason, unless compelled by force of law. However, in order to assist you, we may be required to provide your personal information to certain organisations. If your information is not provided, we may be unable to assist you. The types of organisations include:

• Lenders
• Our Licensee
• Mortgage insurers
• Other mortgage intermediaries
• Valuers
• Other organisations that assist us such as printers, mailing houses, lawyers, debt collectors, accountants and other auditors
• Digital and social media advertising platforms (e.g. Meta, Google), for marketing purposes only, using hashed data

In certain, specific cases our Licensee may contract an external audit service provider to ensure we are meeting our obligations and commitments to you under the National Consumer Credit Protection Act 2009 and this service provider may disclose your personal information to its team in India. You can be assured that we have full legal access to that overseas service provider as if they were domiciled in Australia, as required by the Privacy Act 1988.

Access and alterations to your personal information

You can gain access to your personal or company information or advise alterations to that information by contacting our office:

Information which is easily accessible will be provided to you free of charge. However, information which is more difficult to access may have a fee associated with the request. You can also contact us for more detailed information on how we collect, handle and secure your personal information.

Marketing

From time to time, Robo Loans may contact you with information about products from either ourselves or our industry affiliates that we believe may interest you. To opt-out of receiving such information, simply let us know by contacting us directly using the office details above.

Digital and social media marketing. We may use your personal information – including your name, email address, phone number and date of birth – to show you relevant marketing and to help us reach people with similar profiles, through digital and social media advertising platforms including Meta (Facebook and Instagram) and Google. Where we do this, your information is shared only in a hashed (encrypted, non-readable) format for matching purposes, and is not used by those platforms to identify you personally. You can opt out at any time by contacting us using the details above, or through your ad-settings on the relevant platform.

Security of your personal information

Robo Loans takes reasonable steps to ensure the security of your personal or company information from unauthorised access, theft or modification.

Feedback on the handling of your personal information

Should you be unsatisfied in the manner in which Robo Loans has handled your personal information please contact us (per details listed above). We will take all necessary steps to investigate and address your concerns. If the issue you have raised is not resolved to your satisfaction you should contact the Office of the Australian Information Commissioner at:

• Ph: 1300 363 992
• Email: enquiries@oaic.gov.au
• Mail: GPO Box 5218, Sydney NSW 2001

If you wish to view a copy of our full Privacy Policy, contact us on the details above. You can learn more about the Privacy Act and your rights at www.privacy.gov.au

Your Privacy Consent

Robo Loans Pty Ltd seeks to gain credit information about you from a Credit Reporting Body (CRB). We may use this information in the course of our providing credit assistance to you.

By signing the form below, you appoint us as your agent to act as an “access seeker” and obtain your credit information from a CRB on your behalf.

If you do not consent to us doing this, do not sign the form below. However, if you do not sign the consent, we may be unable to provide credit assistance or other services to you.

This consent form is intended to be read in conjunction with our Privacy Policy, detailed overleaf.

Authority to act as your Agent for the collection of credit information

I hereby appoint Robo Loans Pty Ltd as my Agent for the purpose of obtaining my credit information from a Credit Reporting Body.