RESPONSIBLE LENDING

Block Earner is a responsible lender with a comprehensive internal policy.

Block Earner is dedicated to responsible lending and maintains a comprehensive internal policy that guides our actions. We understand the significance of collaborating with our esteemed distribution partners to conduct business in an ethical and responsible manner.

The following highlights Block Earner's commitment to responsible lending:

We will:

1. Ensure strict adherence to the National Consumer Credit Protection Act and associated regulations, as well as guidance issued by ASIC and the Australian Financial Complaints Authority (AFCA).

   If an issue has not been resolved to your satisfaction, you can lodge a complaint with AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

2. Website: www.afca.org.au
3. Telephone: 1800 931 678 (free call)
4. Email: info@afca.org.au
5. In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
6. Where necessary, obtain a credit report from a credit reporting body (such as Experian) to aid us in assessing the credit worthiness of potential borrowers.
7. Guarantee that brokers diligently gather and verify information about the customer's requirements, objectives, and financial situation.
8. Assure that Block Earner staff only approve loans that are suitable for the customer and not unsuitable.

We encourage customers to seek independent advice.

Entering into a credit contract is a crucial decision. Block Earner strongly encourages you to seek independent legal and financial counsel as part of your decision-making process.

Money Smart is an initiative from the Australian Securities and Investment Commission (ASIC) that offers valuable resources and financial tools to assist you.