You consent to Australian Synergy Finance Pty Ltd ABN 54 613 655 646 Australian Credit License 490422 t/a My Cash Online communicating with you electronically.

This consent and authority will apply to all communications permitted to take place electronically by law including, but not limited to, statements, notices, and any documents from us about your account.

We rely on this consent to communicate to you by e-mail to the email address you have notified to us; making a notice available for you to access on our website; and/or any other method of electronic communication.

Any notice or document we send to you by electronic communications will be deemed to have been received by you. You are responsible for viewing, printing or saving documents or information you receive from us electronically.

By giving this consent, we are no longer required to send you notices or other documents in paper form for the account, unless electronic delivery is unavailable, or we reasonably believe your email address is not receiving the emails we send.

You must ensure that

  • you regularly check your e-mail for notices and other communication from us
  • your e-mail address remains current (or otherwise notified to us)
  • e-mails from us to your e-mail address are not blocked.

We rely on you to keep your nominated e-mail or physical (street) address details up-to-date and to notify us when there are any changes.

You may withdraw this Electronic Communications Consent at any time and change to receiving paper statements, notices and documents to your nominated mail address, by notifying us in writing.

This website policy applies to this website which is operated by Australian Synergy Finance Pty. Ltd. ABN 54 613 655 646 Australian Credit License 490422 t/a My Cash Online

These terms and conditions govern your use of our website. By using this website, you accept these terms and conditions in full. We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

Our website also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

We use ‘cookies’ to allocate a unique number to your internet browsers, to customize our website for you, for statistical purposes, to identify if you have accessed a Third Party Website; and for security purposes. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

Whilst we regularly review our security and encryption technologies, unfortunately, no data transmission over the internet can be guaranteed as totally secure. We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorized access, modification or disclosure. We take reasonable steps to preserve the security of cookies and personal information in accordance with this policy.

While Australian Synergy Finance endeavor to take reasonable care in preparing and maintaining the information on this website we do not warrant the accuracy, reliability, adequacy or completeness of any of the website content. You acknowledge and accept that the website content may include technical inaccuracies and typographical errors. The website content is subject to change at any time without notice and may not necessarily be up to date or accurate at the time you view it.

To the maximum extent permitted by law Australian Synergy Finance excludes all liability for for any indirect, special or consequential loss or of any kind arising out of or in connection with the website content and the use of the Australian Synergy Finance website. These limitations of liability apply even if Australian Synergy Finance has been expressly advised of the potential loss. You agree that the limitations of warranties and liability set out in this website disclaimer will protect Australian Synergy Finance ‘s officers, employees and agents and you will not bring any claim personally against Australian Synergy Finance ‘s officers, employees or agents in respect of any losses you suffer in connection with the website.

You must not use this website to transmit or send unsolicited commercial communications.

The Australian Synergy Finance Website may contain links to other websites from third parties. Unless otherwise indicated, Australian Synergy Finance does not control, endorse, sponsor or approve any such third party websites or their content nor does Australian Synergy Finance provide any warranty or take any responsibility whatsoever for any aspect of those websites or their content.

If you breach these terms and conditions in any way, Australian Synergy Finance may take any action as deemed appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, and/or bringing court proceedings against you.

Australian Synergy Finance may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website.

If you would like further information, please contact us at

Telephone: 1300 998868 Monday to Friday 9am to 5pm (AEST)

Email: resolutions@mycashonline.com.au

Mail: PO Box 163, Forest Hill Vic 3131



MyCash Online goes to great lengths to ensure satisfaction with our services and offerings. However, there may be instances from time to time, where you may be dissatisfied with our service. If you have a dispute or complaint, the following steps or avenues for resolution are available to you.

Step 1

You can raise a complaint by contacting our office by;

  • telephoning 1300 998868
  • e-mailing: resolutions@mycashonline.com.au
  • writing to PO Box 163, Forest Hill Vic 3131


Step 2

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.

The maximum time-frame in which to provide a response to you is 45 days.

Step 3

If you are not completely satisfied after the above steps have been attempted, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme.

Our External Dispute Resolution provider is the Credit & Investments Ombudsman; phone 1800 138 422, web: www.cio.org.au

This external dispute resolution process is available to you, at no cost.



Australian Synergy Finance Pty Ltd ACN 613 655 646 (“ASF”), Australian Credit Licence Number 490422 trading as My Cash Online may collect personal and credit-related information about you for the purposes of assessing your application for finance and managing that finance, establishing your identity, contacting you, managing our risk and to comply with our legal obligations. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.

We may disclose your personal information to other organisations that are involved in managing or administering your finance such as companies that provide information and infrastructure systems to us, our agents, contractors, external service providers, debt recovery and information technology support, insurers, credit reporting bodies, funders or other intermediaries in relation to your finance requirements, any person or entity who represents you, including lawyers, persons holding power of attorney, accountants or to any person or entity, where you have provided us consent, to other financial institutions, organisations that provide products or services used or marketed by us; to your employer, former employer, referees or identity verification services and where we are authorised to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth), government and law enforcement agencies or regulators.

Our Privacy Policy details how we treat personal information held, the type of information we collect, how we may use the information and to whom we allow access and how we protect it.

You may request further information about the way we manage your personal or credit-related information by contacting us by;

Phone: 1300 998868 Monday to Friday 9am to 5pm (AEST)

​Email: admin@mycashonline.com.au

Mail: PO Box 163, Forest Hill Vic 3131



of Australian Synergy Finance Pty. Ltd. ABN 54 613 655 646 Australian Credit License 490422 t/a My Cash Online

This document provides you with information relating to our key obligations before entering a credit contract with you and information about what you should do if you have a complaint or dispute about our services.

THE ASSESSMENT WE NEED TO DO BEFORE GIVING YOU CREDIT

Before we provide credit to you, we assess whether the credit is suitable for you. To do this, we need to;

  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial situation;
  • take reasonable steps to verify your financial situation and that the credit or increase will meet your requirements and objectives;

We won’t be able to give you credit if our assessment shows that:

  • The credit will not meet your requirements or objectives or
  • you were in default under another small amount credit contract or
  • in the past 90 days, you have two or more small amount credit contracts or.
  • you won’t be able to meet the proposed repayments without substantial hardship;

If you enter a loan contract with us, you can ask us for a copy of our loan assessment any time up to 7 years. If you make a request within 2 years of entering the loan contract, the copy of our loan assessment will be provided within 7 business days of your request. Otherwise, a copy of the loan assessment will be provided within 21 business days.

WHAT TO DO IF YOU HAVE A DISPUTE OR COMPLAINT?

We are committed to providing you with the best possible service. If at any time, we have not met our obligations and you have a complaint, please contact our Resolutions Officer, at:

Telephone: 1300 998868 Monday to Friday 9am to 5pm (AEST)

Email: admin@mycashonline.com.au

Mail: PO Box 163, Forest Hill Vic 3131

We may ask for additional information and request you to provide us with as much information as possible to ensure your issue is properly investigated. We will provide you with a response within 45 days but aim to resolve your complaint with 7 business days.

OUR EXTERNAL DISPUTE RESOLUTION SCHEME

If you do not think we have resolved your complaint to your satisfaction, you may take the matter – free of charge – to the External Disputes Resolution Scheme detailed below. You may also refer the matter to the relevant External Disputes Resolution Scheme at any time, but if our internal process is still in progress, they may request that our internal processes be complete before considering the matter further.

Our external dispute resolution service provider is The Credit and Investments Ombudsman (CIO) which can be contacted via:

Telephone: 1800 138 422 Monday to Friday 9am to 5pm (AEST)

Website: http://www.cio.org.au

Email: info@cio.org.au

Mail: Case Management Team, PO Box A252, South Sydney NSW 1235

Before you accept your loan offer, please ensure you read the loan contract carefully and understand full details of the loan. If in any doubt, you should obtain independent legal and financial advice before you enter the loan contract.



This website policy includes a website that allows consumers to fill in questionnaires, forms and surveys, loan applications, subscription services and online expert chat.

About this Website Policy

This website policy applies to this website, which is operated on behalf of Australian Synergy Finance Pty Ltd ABN 54 613 655 646 (“ASF”), Australian Credit Licence 490422 t/a MyCash Online and its related bodies corporate (we, us and our).

We are committed to protecting your privacy.

This policy explains how your personal information will be treated as you access and interact with this website.

Our website privacy policy may change from time to time.

Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information.

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

Information from third parties

Our website also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

Advertising and tracking

When you view our advertisements on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:

  • the server your computer is logged onto;
  • your browser type;
  • the date and time of your visit; and
  • the performance of their marketing efforts.


When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (e.g. which pages you view) and whether you complete an online application.

Cookies

We use ‘cookies’ to provide you with better and more customised service and with a more effective website.

A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

  • to allocate a unique number to your internet browsers;
  • to customise our website for you;
  • for statistical purposes;
  • to identify if you have accessed a Third Party Website; and
  • for security purposes.


IP addresses

Your IP address is the identifier for your computer when you are using the internet.

It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Online applications.

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

Security of information

The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any authorized access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request [LINK]. We will respond to your request as soon as practicable.

Disclosure to overseas entities

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

If you would like further information, please contact us.



Loan Amount of $500 over 10 weeks repayable weekly, $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66

​You may request further information on our fees and charges;

Phone: 1300 998868

​Email: admin@mycashonline.com.au

Mail: PO Box 163, Forest Hill Vic 3131

Trading Hours: Monday to Friday 9am to 5pm (AEST)



1300 998 868
PO Box 163 Forest Hill VIC 3131
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