Compliance & Legal

Stable Capital operates in accordance with the National Consumer Credit Protection Act 2009 and the National Credit Code. We conduct thorough assessments of your financial situation to ensure any credit provided is not unsuitable.

We are required to make reasonable inquiries about your income, expenses, assets, liabilities, and objectives. We may request supporting documentation to verify your circumstances.

All lending decisions consider your ability to repay without substantial hardship while meeting other commitments and reasonable living expenses.

A comprehensive Credit Guide will be provided to you before we provide any credit assistance. This document contains information about our licence, services, fees, dispute resolution processes, and your rights.

If you have not received a Credit Guide when engaging our services, please contact us immediately.

We handle personal information in accordance with the Privacy Act 1988, Australian Privacy Principles, and Credit Reporting Privacy Code.

We collect information to assess applications, provide credit services, and meet legal obligations. Information may be obtained from you, credit reporting bodies (Equifax, Experian, illion), and other relevant parties.

Your information may be disclosed to credit reporting bodies, other lenders, service providers, and as required by law. You have the right to access and correct your personal information.

For our complete Privacy Policy, please contact our Privacy Officer.

If you have a complaint, please contact us in writing. We will acknowledge your complaint within 24 hours and aim to resolve it within 30 days.

If you are not satisfied with our response, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA):

• Website: www.afca.org.au

• Phone: 1800 931 678 (free call)

• Email: info@afca.org.au

• Mail: GPO Box 3, Melbourne VIC 3001

All loan applications are subject to credit assessment and approval. We reserve the right to decline applications. Lending criteria, terms, and conditions apply.

Interest rates and fees may change and will be disclosed in your loan documentation. All fees comply with applicable consumer credit legislation.

Stable Capital operates from Victoria and provides lending across Australia, subject to assessment requirements. All loans require satisfactory property valuation.

We comply with the National Consumer Credit Protection Act 2009, National Credit Code, ASIC regulations, and AML/CTF legislation.