Terms Of Service/ Conditions for using this website and Privacy Policy

Eureka Capital Pty Ltd and its associated entities appreciate your interest in its products and your visit to this website. These terms and conditions apply to the use of this website, including the purchase of our services over this website. In using this website for these or any other purposes, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, do not use this website. Eureka Capital Pty Ltd and its associated entities reserves the right to amend these terms and conditions at any time and such amendment will apply upon publication on this website. These terms and conditions must be read in conjunction with any other applicable terms and conditions governing the use of this website or the purchase of goods or services from Eureka Capital Pty Ltd and its associated entities


​​Copyright

Copyright 2012 Eureka Capital Pty Ltd and its associated entities which include the text, images, graphics, sound files, animation files, video files and their arrangement on this website are all subject to copyright and other intellectual property protection. These objects may not be copied for commercial use, transmission or distribution and may not be modified or posted to other websites. This website may contain content that is subject to the intellectual property rights of third parties.

Trademarks

Unless otherwise indicated, all trademarks on this website are subject to the trademark rights of Eureka Capital Pty Ltd and its associated entities.

No Licenses

Eureka Capital Pty Ltd and its associated entities have sought to achieve an innovative and informative website. However, you also need to understand that Eureka Capital Pty Ltd and its associated entities must protect its intellectual property, including its trademarks and copyrights. Accordingly, please appreciate that no license to use the intellectual property of Eureka Capital Pty Ltd and its associated entities or the intellectual property of third parties has been granted by this website.

Product Information

While Eureka Capital Pty Ltd and its associated entities has endeavoured to ensure that all information, representations, illustrations, specifications and prices contained on this website are accurate at the time of publication, product features, specifications, subject to change without notice and Eureka Capital Pty Ltd and its associated entities makes no commitment as to the availability of any or service.

Disclosure, Eureka Capital P/L has a close arm’s length relationship with the Peregian Capital P/L, we hereby declare that there exists a relationship between Eureka Capital and Peregian Capital P/L any questions please ask Eureka Capital P/L

To the extent permitted by law, Eureka Capital Pty Ltd and its associated entities excludes all express and implied warranties and all liability, whether direct, indirect, special or consequential, arising from negligence or otherwise relating to the use of this website, any inaccuracies and for any non-compliance by any goods or services with any representations, illustrations, specifications, product features, or other information contained on this website. Where, by law, Eureka Capital Pty Ltd and its associated entities is not permitted to exclude its liability but is permitted to limit its liability, its liability will be limited to, at its discretion, refunding of the services.

Eureka Capital Pty Ltd and its associated entities are not responsible for the contents of websites that are maintained by third parties and therefore waives its liability for any links from this website to other websites.

Eureka Capital Pty Ltd and its associated entities

When you visit our website you may be asked to or you may wish to give us your personal information. It is your decision whether to provide the personal information requested.

Protecting your privacy is important to us. Eureka Capital Pty Ltd and its associated entities will not use the personal information collected on this website for any purpose other than individual customer contact, care and information, customer analysis and the communication of product information, marketing material or special offers. For these purposes, the personal information may be stored, processed and passed on to other companies which are part of the Eureka Capital Pty Ltd and its associated entities or other third parties such as marketing and other advisers, whether operating within or outside Eureka Capital Pty Ltd and its associated entities will take reasonable steps to protect all personal information and to ensure that it is treated in accordance with the legislative requirements concerning data protection.

You may gain access to your personal information which is held by Eureka Capital Pty Ltd and its associated entities by contacting the Company Secretary at compliance@eurekacapital.com.au. You should also contact us if you believe that the personal information which we hold about you may be incomplete or inaccurate.

Cookies

Cookies are small files which are temporarily installed on your hard drive. Eureka Capital Pty Ltd and its associated entities use cookies to keep track of their users' preferences and thereby design the website to best meet users' requirements. You can prevent cookies from being saved on your hard drive by selecting the appropriate setting on your browser - simply follow your particular browser's instructions. Deactivating cookies could mean that you might no longer be able to enjoy offers from Eureka Capital Pty Ltd and its associated entities in their entirety.

Our policy on your privacy

At Eureka Capital Pty Ltd, we are committed to respecting the privacy of our customers.

It’s important that you feel secure whenever you deal with us. It’s also important that you understand how we protect your privacy, as well as how, when and where we may use your details.

The following is our commitment to you, on what our policies towards your privacy are. You can be confident in the fact that we abide by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act 1988 as amended.

What do we mean by ‘personal information’?

Personal information means any details or opinion about you, from which your identity is apparent or your identity can be uncovered.

Why we collect your personal information?

The main reasons why we would collect personal information about you are: To assess your financial and credit position when you apply for a product or service from us.

To ensure your security when visiting our website.

In both of these cases, we may use the information we gather to provide targeted, and value-added products and services to you, through direct marketing.

These direct marketing offers and promotions are designed to make your life easier, not harder. So if you do not want to receive them, just let us know when we contact you.

How we collect your personal information?

We will always aim to collect your personal information directly from you. If for some good reason, we are unable to do so, we may involve another organisation.

Should you have any questions as to our Terms, Conditions or Privacy Policy please contact us click here to email us

Feedback on the handling of your personal information

Should you be unsatisfied in the manner in which Eureka Capital Pty Ltd has handled your personal information please contact us 1300789780 (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:

       

e:            enquiries@oaic.gov.au

Mail:      GPO Box 5218

SYDNEY NSW 2001.


Code of Ethics

Eureka Capital Pty Ltd is committed to upholding the highest standards in the finance and insurance industry by observing the highest possible levels of professionalism and conduct in its activities in providing finance and insurance solutions to the public and its customers.

Eureka Capital's core values can be enunciated in the following four commitments:

  • Trust

  • Integrity

  • Honesty

  • Respect

We pride ourselves in setting high standards and benchmarks for our staff when we deal with our customers and stakeholders by observing the following principles:

  • We will act in the best interests of our customers and stakeholders.  Our interests will not conflict with theirs and we will not override the interests of our customers or stakeholders

  • We are committed to using the highest levels of skill, diligence and care when we deal with our customers and stakeholders

  • We are committed to our Privacy Statement and client and stakeholder confidentiality

  • We undertake to preserve the intellectual property rights of others

  • We undertake and commit ourselves to promote the integrity of the finance and insurance industry

  • We will disclose any possible conflicts of interest

  • We are committed to honesty in our dealings

  • We respect the dignity of all our customers, stakeholders and staff

  • We will never knowingly mislead or deceive others

  • We are committed to maintaining the highest standards of ethics and professionalism

IDR EXTERNAL INFORMATION


EUREKA CAPITAL ACN 125606822 Australian Credit Licence 387535 we believe that it is essential for us to have the ability, authority and proper training to hear and respond appropriately to any complaints or disputes raised by our customers.

 

We are a member of the Mortgage & Finance Association of Australia (MFAA), and as such we are also subject to the requirement to have in place an IDR process.

 

How you may lodge a complaint:

 

You can lodge complaints by contacting our Complaints Officer, by:

•        emailing complaints@ eurekacapital.com.au;

•        writing to Eureka Capital Pty Ltd Suite 101, 45 Glenferrie Rd Malvern Vic 3144

 

You may also lodge a complaint by speaking to any representative of our business who will refer you to the Complaints Officer.

 

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. in order to assist complainants who might need additional assistance to lodge a complaint, we:

 

•        offer multiple methods for lodging complaints, including phone, email, letter, social media, in person, or online;

•        do not require complaints to be in writing;

•        ensure that information provided to the public about our IDR process, including this policy, is available in a range of languages and formats (including large print and audiotape);

•        provide training to all staff (not just complaints management staff) to enable staff to be able to identify, support and assist complainants who need additional assistance, including cross-cultural training; and

•        allow representatives to lodge complaints on behalf of complainants, including financial counsellors, legal representatives, family members and friends.

 

This policy provides information about our internal dispute resolution (IDR) process. Our IDR service is provided to you free of charge.

 

Dealing with complaints:

 

Our process for dealing with complaints is as follows:

 

1.      Acknowledgement: We will acknowledge receipt of your complaint promptly – that is, within one business day of receiving it, or as soon as practicable.

2.      Assessment and investigation: We will review your complaint carefully and promptly, taking such steps and reviewing such documents as reasonably necessary.

3.      IDR response: We will provide an ‘IDR response’, which is a written communication that sets out the final outcome of your complaint through our IDR process and your right to take your complaint to AFCA if you are not satisfied with the IDR response. If we reject or partially reject your complaint, we will clearly set out the reasons for our decision.

 

Response timeframes:

 

Generally, we will provide an IDR response to you no later than 30 calendar days after receiving the complaint. However, for some specific types of credit-related complaints, the following response timeframes apply.

•        Credit-related complaints involving default notices: No later than 21 calendar days after receiving the complaint;

•        Credit-related complaints involving hardship notices or requests to postpone enforcement proceedings: No later than 21 calendar days after receiving the complaint. Exceptions apply if we do not have sufficient information to make a decision, or if we reach an agreement with you.

 

We do not need to provide an IDR response to you if we close your complaint by the end of the fifth business day after receipt because we have:

(a)    resolved the complaint to your satisfaction; or

(b)    given you an explanation and/or apology we can take no further action to reasonably address your complaint.

 

However, we must provide a written IDR response for complaints closed by the end of the fifth business day after

receipt if:

(a)    the complainant requests a written response; or

(b)    the complaint is about hardship.

 

Our external dispute resolution scheme – AFCA:

 

If we do not reach agreement on your complaint, you may refer your complaint to the Australian Financial Complaints Authority (AFCA). You can contact the AFCA scheme:

•        by phone on 1800 931 678;

•        by email at info@afca.org.au; or

•        in writing to GPO Box 3, Melbourne VIC 3001.

The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints