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LoadingOur credit guide, rental contract terms and the consumer lease information statement.
As a licensed credit provider, we are required to give you a Credit Guide as soon as practical after it becomes apparent to us that a lease is likely to be entered into.
The guide includes information about us, our responsible lending obligations and our dispute resolution process.
Under the National Consumer Credit Protection Act, we must not enter into a lease with you, or increase the credit limit of a lease with you, if the contract is unsuitable for you.
The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likely that:
We must make an assessment whether the contract will be unsuitable for you before entering into a lease with you or increasing the limit of an existing lease.
You can request a copy of our assessment. We must give you a copy (at no charge to you):
We do not need to give you a copy of the assessment if:
Rent The Roo AU PTY LTD offers its customers both an internal and an external dispute resolution process that are readily accessible and free.
A dispute arises if you make a complaint to Rent The Roo AU PTY LTD about a product or service and you are not satisfied with the response that you receive.
To use our internal dispute resolution procedure you should address a letter, email or fax detailing the dispute to:
Name: The Member Representative
Mail: Rent The Roo AU PTY LTD, PO BOX 262 Albury NSW 2640
Email: headoffice@renttheroo.com
If the Member Representative is able to resolve the dispute he or she will promptly notify you in writing of the outcome and provide reasons for the outcome. If you are still not satisfied with the outcome of a dispute, you can refer the matter to our external dispute resolution scheme.
You are not obliged to pursue a dispute with Rent The Roo AU PTY LTD using its internal dispute resolution procedure. If you do use the internal dispute resolution procedure, you may commence legal proceedings before, after or at the same time as using the internal dispute resolution procedure.
Rent The Roo AU PTY LTD's participation in the internal dispute resolution procedure is not a waiver of any rights it may have under the law or under any contract between you and Rent The Roo AU PTY LTD.
External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.
You must attempt to resolve your complaint with us before contacting our external dispute resolution scheme. If you have a complaint which remains unresolved after speaking to our Member Representative, you can contact our external dispute resolution provider or get legal advice.
Our external dispute resolution provider is:
Name: Australian Financial Complaints Authority (AFCA)
Mail: GPO Box 3, Melbourne VIC 3001
Phone: 1800 931 678
Website: www.afca.org.au
Further information regarding AFCA including their Terms of Reference is available from their office or on their website.
For more information regarding Rent The Roo AU PTY LTD or any of the products and services outlined in this guide, please contact us on 137 661.
This Agreement is a "Consumer Lease" and is for consumer purposes and the provisions of the National Consumer Protection Act 2009 (Cth) ("NCCP Act") apply to it if at the date that you sign the Rental Contract you are an individual and the Rented Items are obtained wholly or predominantly for personal, domestic or household purposes.
The following documents form part of the entire Agreement between the Renter and us in relation to the Rented Items:
1.1In this agreement, unless the context otherwise requires:
1.2The following terms have the following meanings:
Australian Credit Licence or ACL: are one and the same.
Code: means Schedule 1 of the National Consumer Credit Protection Act 2009.
Collection Fees: Means the Collection Fees as described in the Rental Contract.
Computer Equipment: means any computer equipment, mobile phone or other electronic device including any accessories, manuals and software so described in the Rental Contract.
Depreciated Value of Rented Items: Recommended Retail Price, including GST on the day the goods were last acquired new; Minus
Default Event: Has the meaning given in clause 6.1.
Default (Collection) Fee: Has the meaning given in clause 6.5.
Default Fee: Is calculated in accordance with clause 6.6.
Exercise Equipment: means any fitness or exercise equipment so described in the Rental Contract.
GST: has the same meaning given to that term in A New Tax System (Goods and Services Tax) Act 1999 (Cth).
Late Fees: means the Late Fees as described in the Rental Contract.
Premises: refers to the Renter's address as described in the Rental Contract.
Rebate Rate: means:
Recoverable Amount: means the amount as defined in clause 5.2.
Rental Contract: Means the contract titled "Rental Contract" between you, as the Renter, and us, which accompanies these Terms and Conditions and forms part of the entire Agreement between us.
Rented Items: means the goods so described in the Rental Contract.
Renter, you, your: means the person(s) so described in the Rental Contract.
Term: means the period described as "Term of Rental" in the Rental Contract.
Total Rental Amount: means the total amount of rent payable which is specified in the Rental Contract.
We, Our, Us: means Rent The Roo AU PTY LTD, ABN: 15165511188, PO Box 262 Albury NSW 2640, headoffice@renttheroo.com, ACL: 456115
User Manual: means any instruction manual, guide, notes or similar document relating to Exercise Equipment.
2.1This offer is accepted by you when you complete and sign this Agreement.
3.1We are responsible for delivery of the Rented Items. You must advise us of the delivery address and be present at the delivery address to accept delivery of the Rented Items.
3.2By accepting delivery, the Renter acknowledges that the Rented Items are in good condition and as described in the Rental Contract.
4.1The Rented Items are, and will remain at all times, ours or our financier's sole property.
4.2The Renter does not own the Rented Items.
4.3The Renter acknowledges that they have no right to purchase the Rented Items from us.
4.4Nothing in this Agreement shall be interpreted to vary the ownership of the Rented Items.
5.1The Renter can terminate this Agreement at any time during the Term by returning the Rented Items to us in good working order and in good repair (reasonable wear and tear excepted) during ordinary business hours or other agreed time to the place we nominate and by paying the Recoverable Amount.
5.2The Recoverable Amount means the total, at the date of termination, of:
5.3You may request a written statement of the Recoverable Amount which itemises the amounts which make up the Recoverable Amount, in accordance with the Code. We will provide this statement within seven (7) days of your request.
6.1For the purposes of this Agreement, a "Default Event" occurs in each of the following circumstances and a Default Event is a breach of a condition of this agreement:
The renter will be responsible for any costs incurred by us (or any related party, or a third party) to repair the item which has damage beyond reasonable wear and tear, to the extent permitted by law.
'Damage beyond reasonable wear and tear' means any form of damage to the rented item beyond the normal deterioration that occurs as a result of day-to-day use of the item, whether by accidental, intentional or negligent act or omission, and whether caused or allowed to be caused by the Renter.
The renter agrees to indemnify us, and keep us indemnified, for any repair costs associated with an item which has damage beyond reasonable wear and tear that is incurred by us, to the extent permitted by law.
6.2A Default Event does not include circumstances where the Rented Items have been damaged as a result of a natural disaster. In these circumstances, clauses 12.7–12.9 will apply.
6.3If a Default Event occurs and you are unable to remedy the default after thirty (30) days of receiving a notice of default, the Renter will be deemed to have repudiated this Agreement and we will be entitled to terminate it by written notice or by any act of repossession. Upon such termination, the Renter must pay us, immediately upon demand, by way of liquidated damages for our loss arising from termination, the Recoverable Amount, as defined by clause 5.2.
6.4You may request a written statement of the Recoverable Amount which itemises the amounts which make up the Recoverable Amount, in accordance with the Code. We will provide this statement within seven (7) days of your request.
6.5If the Renter defaults under clause 6.1(a), then the Renter will be liable to pay us:
6.6If the Renter defaults under clause 6.1(h), then the Renter will be liable to pay a Default Fee, calculated as follows:
7.1Upon expiry of the Term, the Renter may:
7.2We will provide you with an end of lease statement, no later than 90 days before the end of the Term, which includes details prescribed by the law, including:
7.3Except where the Term is extended under clause 7.1(a), at the end of the Term or upon termination by us under clause 6, the Renter must immediately return the Rented Items to us in good working order and in good repair (reasonable wear and tear excepted) during ordinary business hours to the place we nominate.
7.4Where the Renter elects to extend the Term of this Agreement under clause 7.1(a), the Renter will be subject to a new suitability assessment and a new Rental Contract will be provided. The new Rental Contract will commence the day after the Term of this Agreement ends.
7.5If the Renter does not return the Rented Items to us when required, we may take possession of them by giving the Renter thirty (30) days written notice of our intention to do so.
7.6We are not required to provide thirty (30) days' written notice of our intention to take possession if:
8.1We will not enter any part of the Premises used for residential purposes for the purpose of exercising our rights:
9.1The Renter undertakes to maintain the Rented Items in good order and condition during the Term of this Agreement.
9.2We undertake to maintain and service the Rented Items and agree to replace any parts of the Rented Items, excluding batteries, which are faulty.
9.3Upon receiving notice from us, the Renter agrees to produce the Rented Items for inspection, testing, servicing or repair to any person authorised by us and for that purpose to allow such person access to any place where the Rented Items are kept. The Renter agrees to produce the Rented Items within fourteen (14) days of receipt of the notice.
9.4The obligation to maintain and service the Rented Items in good working order does not apply if:
10.1The Renter must:
11.1The Renter must not:
12.1We require the Renter to indemnify us for any loss or damage, direct or indirect, incurred if the Rented Items are moved from the Premises by the Renter for any reason whatsoever.
12.2If the Renter moves the Rented Items from the Premises and the Rented Items are damaged while in transit, we may, in our sole discretion, agree to repair any damage to the Rented Items. Any repair works completed under this clause 12 will be at the Renter's expense. The Renter must notify us of the damage to the Rented Goods and we will arrange the repair within thirty (30) days of receiving the notice.
12.3Subject to clauses 12.7–12.9 below, the Renter assumes all risks and liability in relation to the Rented Items and the use and storage of the Rented Items (including liability for injury to any person or damage to any property, whether direct or consequential).
12.4The Renter must include the Rented Items on their Household Contents Insurance Policy. If the Renter does not have a Household Contents Insurance Policy or the Policy lapses the Renter indemnifies us against any loss.
12.5The Renter indemnifies us against all losses, liabilities and reasonable enforcement expenses incurred by us as a result of:
12.6The Renter must pay to us on demand any amount payable under this indemnity.
12.7If a natural disaster impacts the Rented Items and the Rented Items are either lost or destroyed, the following shall apply:
12.8Subject to the Renter meeting its obligations as set out in clause 12.7(b), where we are satisfied that the Rented Items were damaged or destroyed by the natural disaster and not through the fault of the Renter, we agree to:
12.9If clause 12.8(b) applies, we will offer the Renter a new Rented Item, to be provided under a new Rental Contract. Where the Renter elects to enter into a new Rental Contract under this clause, the Renter will be subject to a new suitability assessment.
13.1The Renter acknowledges that:
14.1The Renter will be supplied with a User Manual on delivery of the Exercise Equipment;
14.2The Renter should read the User Manual before using the Exercise Equipment and follow any recommendations in that User Manual before starting any exercise on the Exercise Equipment.
14.3The Renter agrees that they hold us harmless and release us from and indemnify us against any and all claims arising directly or indirectly from any loss, damage, injury, accident or death suffered by the Renter or any other user of the Exercise Equipment. The Exercise Equipment is provided on an 'as is' basis without any assessment (health or otherwise) by us as to the suitability of the Exercise Equipment for the Renter.
14.4To the maximum extent permitted by law, we exclude all and any liability for any losses, liabilities, damages, costs, charges, expenses, penalties arising, directly or indirectly, from the Exercise Equipment, its use, location or placement, including arising from any injury, accident or death. The Renter agrees and acknowledges that the Renter uses the Exercise Equipment entirely at its own risk.
15.1The Renter must:
15.2All payments shall be made:
15.3If the Renter fails to pay an installment of rent by the due date, the Renter shall pay the Late Fees as shown on the Rental Contract for that breach.
15.4On each occasion where we or someone authorised to act on our behalf, collects or attempts to collect any instalment(s) of rent unpaid on its due date, by physically visiting the Renter at the Premises, the Renter shall pay the Collection Fees as shown on the Rental Contract.
15.5It is acknowledged and agreed by the Renter that the instalments of rent have been calculated on the basis that, apart from GST, we are not liable to pay any licence fees, registration fees, taxes, duties, surtaxes, imposts, charges and/or levies in respect of the Rented Items, this Agreement or any payment under this Agreement. To the extent that we, by virtue of our title in the Rented Items or by virtue of this Agreement, are in fact liable to pay any of the foregoing, the Renter agrees that it will pay an amount equivalent to any monies paid or payable from time to time by us in respect of any such liability, by way of an additional instalment or an increased instalment as advised by us, to the extent permissible by law.
15.6Subject to clauses 12.7 - 12.9, the Renter's obligations to pay the installments of rent and any other amounts due under this Agreement are unconditional for the Term and operate even if the Rented Items break down, are damaged or destroyed. All payments are to be made without setoff or deduction on any account.
16.1At regular intervals, we will provide you with a statement of account. The maximum period for a statement of account is twelve (12) months.
16.2The statement of account will be provided to you electronically, where you have agreed to this, or otherwise by post.
16.3The statement of account will include the information required by law, including, but not limited to, the time period the statement applies to, the particulars of amounts paid by the Renter, any amounts credited by us to the Renter's account, any payments debited from the Renter's account and any corrections to information contained in a previous statement of account.
16.4Where a Default Event has occurred and we have commenced enforcement proceedings, or the Renter dies or is insolvent, we will not provide a statement of account, unless the trustee in bankruptcy or the personal representative of the Renter requests such a statement.
17.1Any notice or demand to be given by us to the Renter may be delivered to the Renter personally, or by leaving it at, or by sending it by post to, the Premises or by sending it via email (if the Renters have consented to receiving notices via email).
17.2Where there are multiple Renters, any notice or demand will be given to each Renter unless a different arrangement is requested and the law permits it.
17.3The Renter agrees to advise us of any change to:
18.1If the Renter is experiencing hardship we may agree, in our sole discretion, to:
18.2If a variation to the Agreement is agreed to by us, we will issue to the Renter, no later than thirty (30) days after the date of our agreement, a notice setting out the changes to the terms of the Agreement.
19.1If we decide not to exercise a right, remedy or power, this does not mean we cannot exercise it later. In addition, the termination of this agreement does not affect any rights we have to recover monies including damages from the Renter. The single or partial exercise or waiver by us of any right relating to this Agreement will not prevent any other exercise of that right or exercise of any other rights.
19.2Where there are two or more Renters, each Renter is bound by this Agreement jointly and severally.
19.3Each provision of this Agreement is independent of each other provision. Any provision which would otherwise be prohibited or unenforceable in any jurisdiction is, to the extent of the prohibition or unenforceability, deemed removed without invalidating, as far as is possible, the remaining provisions.
19.4We may assign, novate or otherwise deal with our rights under this Agreement in any way we wish.
19.5Acting reasonably, we can change any term of this Agreement, without your consent, in accordance with the law, in circumstances where the changes reduce your obligations.
19.6Where the changes increase your obligations under this Agreement, we will provide you with written notice of the change at the address included in the Rental Contract.
19.7This Agreement is governed by the laws of the State or Territory of Australia in which you ordinarily reside when you enter into this Agreement and the parties submit to the nonexclusive jurisdiction of the courts of that jurisdiction.
20.1To the extent that the law permits, we give no condition, warranty or representation as to ownership, description, condition, merchantability, suitability or fitness (for a particular or any purpose) of the Rented Items and no such term, condition or warranty will be implied.
20.2Our liability for breach of any implied term, condition or warranty which is, by law, unable to be excluded, is limited, where permitted by law, to the replacement of the Rented Items or the supply of equivalent goods or the repair of the Rented Items, as determined in our sole discretion.
20.3Except as provided for by law, we will not be liable for any direct, indirect, consequential or incidental damage to any person or property or business arising as a result of:
21.1We value our customers.
21.2We will always aim to be fair and responsive. If you have a complaint, you have the right to expect that we will handle it in a friendly and in a professional way.
21.3When we receive a complaint, we look on it as valuable feedback that may help us to improve the services we offer and to ensure your needs are met in a satisfactory and appropriate manner.
21.4If you wish to make a complaint, just write to us at the following address: Rent The Roo AU PTY LTD, PO Box 262 ALBURY NSW 2640, headoffice@renttheroo.com
21.5We will make all efforts possible to investigate your complaint, and provide you with a final response as soon as possible, within thirty (30) days (or twenty-one (21) days for complaints involving hardship or a default notice). If the matter is not resolved to your satisfaction, you can then refer your complaint to the Australian Financial Complaints Authority ("AFCA"), who can be contacted at: Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne VIC 3001. Phone: 1800 931 678. Fax: (03) 9613 6399. Email: info@afca.org.au. Website: https://www.afca.org.au/
1.1The information in this document details how we, Rent The Roo AU Pty Ltd ("Rent The Roo"), comply with the requirements of the Privacy Act 1988 (Cth) and the Australian Privacy Principles in protecting the personal information we hold about you.
1.2Personal information is any information or opinion about you that is capable, or reasonably capable, of identifying you, whether the information or opinion is true or not and is recorded in material form or not.
1.3Sensitive information includes such things as your racial or ethnic origin, political opinions or membership of political associations, religious or philosophical beliefs, membership of a professional or trade association or trade union, sexual orientation or criminal record, that is also personal information. Your health, genetic and biometric information and biometric templates are also sensitive information.
1.4We will act to protect your personal and sensitive information in accordance with the Australian Privacy Principles and the Privacy Act 1988.
1.5We collect personal and/or sensitive information to provide you with the products and services you request as well as information on other products and services offered by or through us. The law requires us to collect personal and/or sensitive information.
1.6Your personal and/or sensitive information may be used by us to administer our products and services, for prudential and risk management purposes and, unless you tell us otherwise, to provide you with related marketing information. We also use the information we hold to help detect and prevent illegal activity. We cooperate with police and other enforcement bodies as required or allowed by law.
1.7We disclose relevant personal information to external organisations that help us provide services. These organisations are bound by confidentiality arrangements. They may include overseas organisations.
1.8You can seek access to the personal information we hold about you. If the information we hold about you is inaccurate, incomplete, or outdated, please inform us so that we can correct it. If we deny access to your personal information, we will let you know why. For example, we may give an explanation of a commercially sensitive decision, or give you access to the information through a mutually agreed intermediary, rather than direct access to evaluative information connected with it.
2.1We collect personal information when it is reasonably necessary for one or more of our functions or activities.
2.2These include:
3.1The personal and sensitive information we collect generally consists of name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information.
3.2If you are applying for credit we may also collect the number and ages of your dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions.
3.3In addition, we will obtain your consent to collect, use and disclose credit information about you.
3.4We are required by law to identify you if you are opening a new account or adding a new signatory to an existing account. Anti-money laundering laws require us to sight and record details of certain documents (i.e. photographic and non-photographic documents) in order to meet the standards set under those laws.
3.5Where it is necessary to do so, we also collect information on individuals such as:
3.6We may take steps to verify the information we collect; for example, a birth certificate provided as identification may be verified with records held by the Registry of Births, Deaths and Marriages to protect against impersonation, or we may verify with an employer that employment and remuneration information provided in an application for credit is accurate.
4.1We only collect personal information about you directly from you (rather than someone else) unless it is unreasonable or impracticable to do so or you have instructed us to liaise with someone else.
5.1If it is impracticable or unreasonable for us to collect the personal information directly from you, we may collect such information from agents, or from your family members or friends. If you are not aware that we have collected the personal information, we will notify you of collection and the circumstances of collection, if we consider it is reasonable to do so.
5.2The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) require us to collect certain identification information about you. We will collect personal information from third parties in respect of AML/CTF checks which are required to be carried out, under AML/CTF Legislation.
6.1We may not be able to provide you with the products or services you are seeking if you provide incomplete or inaccurate information.
7.1In most cases, before or at the time of collecting your personal information, we will obtain your consent to the purposes for which we intend to use and disclose your personal information.
7.2If you don't give us consent, we may not be able to provide you with the products or services you want. This is because we are required to collect this information to provide you advice.
8.1Having provided consent, you are able to withdraw it at any time. To withdraw consent, please contact our office. Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service you enjoy given that, as mentioned above, it is impracticable for us to treat some customers differently.
9.1In addition to the above conditions of collecting personal information, we will only collect sensitive information about you if we obtain prior consent to the collection of the information or if the collection is required or authorised by law.
10.1If we receive personal information that is not solicited by us, we will only retain it, if we determine that it is reasonably necessary for one or more of our functions or activities and that you have consented to the information being collected or given the absence of your consent that it was impracticable or unreasonable for us to obtain it under the circumstances.
10.2If these conditions are not met, we will destroy or de-identify the information.
10.3If such unsolicited information is sensitive information we will obtain your consent to retain it regardless of what the circumstances are.
11.1We ensure that the personal information we collect and use or disclose is accurate, up to date, complete and relevant.
11.2Please contact us if any of the details you have provided to us change or if you believe that the information we have about you is not accurate or up to date.
11.3We may also take steps to update personal information we hold, for example, an address, by collecting personal information from publicly available sources such as telephone directories or electoral rolls.
12.1We are committed to ensure that we protect any personal information we hold from misuse, interference, loss, unauthorised access, modification and disclosure.
12.2For this purpose we have a range of practices and policies in place to provide a robust security environment. We ensure the on-going adequacy of these measures by regularly reviewing them.
12.3Our security measures include, but are not limited to:
12.4Where information we hold is identified as no longer needed for any purpose we ensure it is effectively and securely destroyed, for example, by shredding or pulping in the case of paper records or by degaussing (demagnetism of the medium using alternating electric currents) and other means in the case of electronic records and equipment.
13.1If we hold personal information about you that was collected for a particular purpose ("the primary purpose"), we will not use or disclose the information for another purpose ("the secondary purpose") unless:
13.2Where we use or disclose personal information in accordance with section 13(1)(e) we will keep a copy of this disclosure (e.g.: the email or letter used to do so).
Subsection 175 (1) of the Code Regulation 105 of the Regulations
Things you should know about your consumer lease.
This statement tells you about some of the rights and obligations of yourself and your lessor. It does not state the terms and conditions of your lease.
1.1Your lessor must give you a copy of your consumer lease with this statement. Both documents must be given to you within 14 days after the lessor enters into the consumer lease, unless you already have a copy of the consumer lease.
1.2If you want another copy of your lease, write to your lessor and ask for one. Your lessor may charge you a fee.
1.3Your lessor has to give you a copy:
2.1You should read your lease carefully. Your lease should tell you about your obligations, and include information on matters such as:
2.2This information only has to be included in your lease if it is possible to give it at the relevant times.
2.3If your lease does not tell you all these details, contact your credit provider's external dispute resolution scheme, or get legal advice, for example from a community legal centre or Legal Aid, as you may have rights against your lessor.
3.1Yes. Simply return the goods to your lessor. The goods may be returned in ordinary business hours or at any other time you and the lessor agree on or the court decides.
4.1The amount the lease says you have to pay. If you have made rental payments in advance then it is possible that your lessor might owe you money if you return the goods early.
5.1Yes, but only if your lease says so.
6.1Yes. You should talk to your lessor. Discuss the matter and see if you can come to some arrangement.
6.2If that is not successful, you may contact your credit provider's external dispute resolution scheme.
External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. Your credit provider's external dispute resolution provider is the Australian Financial Complaints Authority (AFCA), who can be contacted at: Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne VIC 3001. Phone: 1800 931 678. Fax: (03) 9613 6399. Email: info@afca.org.au. Website: https://www.afca.org.au/. Alternatively, you can go to court. You may also wish to get legal advice, for example from a community legal centre or Legal Aid, and/or make a complaint to ASIC. ASIC can be contacted on 1300 300 630 or through ASIC's website at http://www.asic.gov.au.
7.1Yes. You have 7 days after receiving your lessor's request to tell your lessor. If you do not have the goods you must give your lessor all the information you have so they can be traced.
8.1Your lessor can only do so if it has the court's approval or the written consent of the occupier which is given after the occupier is informed in writing of the relevant section in the National Credit Code.
9.1Get in touch with your lessor immediately. Discuss the matter and see if you can come to some arrangement. You can ask your lessor to change your lease in a number of ways:
10.1If the lessor refuses your request to change the rental payments, you can ask your lessor to review this decision if you think it is wrong. If the lessor still refuses your request, you can complain to the external dispute resolution scheme that your lessor belongs to. Further details about this scheme are set out below in question 12.
11.1Yes, if you are in default under your lease. But the law says that you cannot be unduly harassed or threatened for rental payments. If you think you are being unduly harassed or threatened, contact your credit provider's external dispute resolution scheme or ASIC, or get legal advice.
12.1Yes. The law will give you other rights and obligations. You should also read your lease carefully.
If you have any doubts, or want more information, contact your credit provider. You must attempt to resolve your complaint with your credit provider before contacting your credit provider's external dispute resolution scheme. If you have a complaint which remains unresolved after speaking to your credit provider you can contact your credit provider's external dispute resolution scheme or get legal advice. Please keep this information statement. You may want some information from it at a later date.