Credit Guide

WeMoney Pty Ltd

• ACN 633 007 860 | ABN 88 633 007 860
• Australian Credit Licence 526330
• 81-83 Campbell Street, Surry Hills, NSW 2010
• Phone: 1300 629 510 | Email: hello@wemoney.com.au
• Website: https://www.wemoney.com.au

1. About This Guide

This Credit Guide is designed to help you decide whether to use our credit assistance services. It contains important information about:

• Who we are and how to contact us
• The credit assistance services we provide
• How we are paid for our services
• How to make a complaint
• Your privacy and how we handle your personal information

You should read this Credit Guide before we provide you with credit assistance. Please keep a copy for your records.

2. Our Services

WeMoney provides credit assistance by helping you compare and apply for personal loan products from a range of credit providers. Our services are provided through the WeMoney app.

We do not provide credit ourselves. When you apply for a loan through the WeMoney app, you are applying directly to the credit provider, not to WeMoney.

Our services include:

• Providing access to your credit score and credit report information
• Helping you understand your financial position
• Comparing loan products that may suit your needs
• Facilitating loan applications to credit providers on our panel

3. Credit Providers on Our Panel

We work with a panel of credit providers. The credit providers we currently work with are:

Our panel may change from time to time. We will update this Credit Guide when there are material changes to our panel.

4. How We Are Paid

Our credit assistance services are provided to you at no cost. You do not pay us any fees for using the WeMoney app or for any credit assistance we provide.

We receive payments from credit providers when you successfully obtain a loan through our service. These payments are typically:

• ‍Upfront commission: A one-time payment when your loan settles‍
• Trail commission: Ongoing payments based on the outstanding loan balance (where applicable)

The commissions we receive do not affect the interest rate or fees you pay on your loan. These are set by the credit provider.

You can ask us for more details about the commissions we receive from particular credit providers.

5. How to Make a Complaint

If you have a complaint about our services, please contact us:

We will acknowledge your complaint within 1 business day and aim to resolve it within 30 days. For more information about our complaint handling process, please see our Complaint Handling Statement at https://www.wemoney.com.au/complaints.

5.1 External Dispute Resolution

If you are not satisfied with our response to your complaint, or if we have not resolved your complaint within 30 days, you can contact the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service.

6. Your Privacy

We collect personal information about you to provide our services, including your name, contact details, financial information, and credit information. We handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

For full details about how we collect, use, and disclose your personal information, please see our Privacy Policy at **https://www.wemoney.com.au/privacypolicy**.

For privacy-related complaints or to exercise your privacy rights (such as accessing or correcting your personal information), please contact our Privacy Officer:

Email: privacy@wemoney.com.au

7. Consumer Data Right (Open Banking)

WeMoney is an Accredited Data Recipient under the Consumer Data Right (CDR). This means we can receive your banking data from participating banks and financial institutions with your consent, to help you track your finances and find suitable products.

For more information about how we handle CDR data, please see our CDR Policy at https://www.wemoney.com.au/cdrpolicy.

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