Terms and Conditions for using this website
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 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.
Unless otherwise indicated, all trademarks on this website are subject to the trademark rights of Eureka Capital Pty Ltd and its associated entities.
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.
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.
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 firstname.lastname@example.org. You should also contact us if you believe that the personal information which we hold about you may be incomplete or inaccurate.
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.
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:
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
This IDR service is provided free of charge to you
Eureka Capital Pty. Ltd. Trading as Easy Car Credit (ACL 387535) and National Mortgage Services Pty Ltd (ACL387616) (EC and NMS) believe that it is essential for our customers to be able to identify and deal with a broker who has the ability, authority and proper training to hear and respond appropriately to any complaints or disputes. Eureka Capital Pty. Ltd. Trading as Easy Car Credit (ACL 387535) and National Mortgage Services Pty Ltd (ACL387616) are members of the Mortgage & Finance Association of Australia (MFAA) Member Eureka Capital Pty Ltd Member Number 49314 and National Mortgage Services Pty Ltd Member Number 360. EC are also subject to the requirement to have in place an Internal Dispute Resolution procedure.
You can lodge complaints by contacting EC and NMS Complaints Officer by:
• Telephoning 1300789780 directing your call to EC and NMS Compliance Officer Complaints
• Writing to PO Box 430 Toorak VIC 3142
You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.
When EC and NMS receives a complaint, EC and NMS will attempt to resolve it promptly EC and NMS hope that in this EC and NMS will stop any unnecessary and inappropriate escalation of minor complaints.
EC and NMS will observe the following principles in handling your complaint:
1. there is no requirement for face-to-face contact between you and EC, although it may be useful for EC and NMS to come to a satisfactory resolution;
2. EC and NMS expect that both parties will make a genuine attempt to resolve a complaint promptly;
3. EC and NMS expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and
reasonably be believed to assist in resolving the complaint;
4. EC and NMS expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.
Our external dispute resolution scheme
If EC and NMS do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is COSL (Credit Ombudsmen Services Limited) phone 1800 138 422, www.cosl.com.au. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.