The University Credit Society Limited is licensed to operate
as a registered financial services business, holding an Australian
Financial Services Licence (AFSL Number 244168) under the Financial Services
Reform Act.
The Society views the Financial Service Reform Act as important legislation
to ensure that you are able to make informed decisions about the acquisition
of products and services provided by Unicredit.
Following are a number of disclosure documents for you to read or download.
Copies of each document are also available from any Unicredit branch.
:: click to download PDF
Financial Services Guide (FSG)
The Financial Services Guild
(FSG) (339k PDF) has been prepared to inform
you of the financial services offered by the Society under its
AFS Licence, to assist you in deciding whether to use any of the
services described.
The FSG sets out:
- Who the Society is;
- The financial services the Society is authorised to provide;
- The remuneration arrangements in relation to the services
offered;
- The Society’s dispute resolution procedure.
Information - Terms & Conditions
Savings Accounts, Fixed Term Deposits and Account Access
The Information - Terms and Conditions (260kb PDF) provides you with important information that should be considered
before opening a Savings or Fixed Term Deposit Account or using a particular product or service
available from the Society.
The Information - Terms and Conditions provides information about the particular product; including the
product issuer, costs, features and benefits. A copy of the Information - Terms and Conditions will
be given to you when a recommendation about any financial product is
made or you proceed to acquire a financial product. This information
will help you decide whether to acquire the product or service from the
Society.
Fees
and Charges Schedule
The Unicredit Fees and Charges Schedule,
together with the Interest Rate Schedule,
forms part of the Terms & Conditions - Savings Accounts, Fixed Term Deposits and Account Access. Both the Fees and Charges and Interest Rate Schedules
are available for download or from any Unicredit branch.
Dispute Resolution Procedure
The Dispute Resolution Procedure outlines the
Society’s
internal dispute resolution procedure and how to request the resolution
of a dispute, in addition to the details of our external dispute
resolution scheme and how to access it. A dispute arises if you make a complaint to Unicredit about a Unicredit
product or service, and you are not satisfied with the response that
you receive.
:: Dispute Resolution Procedure
Privacy Policy Statement
Unicredit has always been committed to and required by law to protect
your privacy. This statement (234k PDF) explains how the Commonwealth Privacy (Private Sector) Amendment
Act (2000) governs how the Society collects, uses and discloses your
personal information.
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Mutual Banking Code of Practice
Credit unions are committed to acting with members' interests at heart. As part of our ongoing commitment we meet high regulatory and self-regulatory standards and provide members with ways to raise concerns or complaints, should they arise.
The Code outlines our 10 key promises to you and ensures that all credit unions and mutual building societies will be fair and ethical when dealing with you.
You can download a copy of the Mutual Banking Code of Practice here. (1.2mb pdf) |
Unicredit understands that there may be times caused by extraordinary circumstances when a valued member may find it difficult to meet their loan commitments. We aim to be able to support our members during tough times.
It is our policy to try to find workable solutions that are fair, equitable and effective for both the member and the Credit Society and to do so in a sensitive and courteous manner.
:: Further Information on Financial Hardship Assistance
:: download Credit Guide (28k PDF file)
