{"id":4580,"date":"2026-06-22T09:28:18","date_gmt":"2026-06-22T09:28:18","guid":{"rendered":"https:\/\/credeqstg.wpenginepowered.com\/?page_id=4580"},"modified":"2026-06-23T06:51:55","modified_gmt":"2026-06-23T06:51:55","slug":"complaints","status":"publish","type":"page","link":"https:\/\/credeq.com\/au\/contact\/complaints\/","title":{"rendered":"Complaints"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Hero&#8221; module_class=&#8221;hero-contact&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Details&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"contact-hero-box\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-img gsap-fade\"><!-- [et_pb_line_break_holder] -->    <img decoding=\"async\" src=\"https:\/\/credeq.com\/wp-content\/uploads\/2025\/06\/logo-glow-03.png\" alt=\"Credeq\"><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-info\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<h1><!-- [et_pb_line_break_holder] -->      Submit your complaint<!-- [et_pb_line_break_holder] -->    <\/h1>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"contact-details\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"contact-details-col contact-details-email wg-animate\" data-animate=\"fadeIn\" data-delay=\"300\" data-repeat=\"0\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<h4>Complaints<\/h4>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div><!-- [et_pb_line_break_holder] -->          At Credeq, we are committed to treating all customers fairly and to resolve complaints promptly and respectfully. If you are not satisfied with our decision or how your claim has been handled, we want to hear from you.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>Once we receive your complaint:<!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<ul><!-- [et_pb_line_break_holder] -->          <\/p>\n<li>We will acknowledge your complaint<\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li>We will contact you to ensure that we understand your complaint<\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li>We will investigate and keep you informed (at a minimum, every 10 business days)<\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li>Will aim to resolve your complaint within 30 business days<\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/ul>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div><!-- [et_pb_line_break_holder] -->          Due to the nature of our business, if we are unable to resolve your complaint within 30 business days, we will advise you of the reason for the delay and provide further options to progress.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>Although Credeq Australia is not subject to ASIC\u2019s RG 271, we choose to align with its standards voluntarily reflecting our commitment to fair and transparent complaint handling.<!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;How to submit&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"contact-hero-box\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-img gsap-fade\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-info\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"contact-details-col contact-details-address wg-animate\" data-animate=\"fadeIn\" data-delay=\"500\" data-repeat=\"0\" style=\"margin-top: 0;\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<h4>How to Make a Complaint<\/h4>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div><!-- [et_pb_line_break_holder] -->        You can contact us using the method most convenient for you:<!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<table><!-- [et_pb_line_break_holder] -->        <\/p>\n<tr><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Phone:<\/td>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<td><a href=\"tel:1800273337\" class=\"wlink\">1800 273 337<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->        <\/tr>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<tr><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Email:<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<td><a href=\"mailto:CredeqAU-RiskandCompliance@credeq.com\" class=\"wlink\">CredeqAU-RiskandCompliance@credeq.com<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->        <\/tr>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<tr><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Post:<\/td>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Credeq Complaints<!\u2013- [et_pb_br_holder] -\u2013>Level 4, 45 Clarence Street<!\u2013- [et_pb_br_holder] -\u2013>Sydney NSW 2000<\/td>\n<p><!-- [et_pb_line_break_holder] -->        <\/tr>\n<p><!-- [et_pb_line_break_holder] -->      <\/table>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div><!-- [et_pb_line_break_holder] -->        When making a complaint, please tell us:<!-- [et_pb_line_break_holder] -->        <\/p>\n<ul><!-- [et_pb_line_break_holder] -->          <\/p>\n<li>What your complaint is about and the outcome you are seeking<\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li>Your name and your preferred contact details (you have the right to remain anonymous)<\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li>Any supporting documentation<\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/ul>\n<p>   <!-- [et_pb_line_break_holder] -->\t\t\t\tBy providing us with as much information as you can, you will help us resolve your complaint as quickly as possible. If you wish to remain anonymous, we will not be able to contact you or tell you the outcome of any action we take.<!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][et_pb_code admin_label=&#8221;External resolution&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"contact-hero-box\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-img gsap-fade\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-info\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"contact-details-col contact-details-address wg-animate\" data-animate=\"fadeIn\" data-delay=\"500\" data-repeat=\"0\" style=\"margin-top: 0;\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<h4>External Resolution<\/h4>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div><!-- [et_pb_line_break_holder] -->        If you are not happy with our decision or the handling of your complaint, you can access the dispute resolution scheme managed by the Australian Financial Complaints Authority (AFCA). AFCA\u2019s role is to provide consumers (you) with free, fair and independent dispute resolution for complaints relating to financial service providers.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>AFCA deals with complaints that fall within their rules and will generally only consider your complaint after we have first had the opportunity to resolve your complaint through our internal complaint management process.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>Decisions made by AFCA are binding upon us provided you accept the decision.  However, where you do not agree with the decision, you may pursue alternatives such as legal advice or other external dispute mechanisms.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>You can contact AFCA to confirm if they can assist you.  There is also some helpful information available on their website. You can contact AFCA by:<!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<table><!-- [et_pb_line_break_holder] -->        <\/p>\n<tr><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Phone:<\/td>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<td><a href=\"tel:1800931678\" class=\"wlink\">1800 931 678<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->        <\/tr>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<tr><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Website:<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<td><a href=\"https:\/\/www.afca.org.au\/\" class=\"wlink\" target=\"_blank\" rel=\"noopener\">www.afca.org.au<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->        <\/tr>\n<p><!-- [et_pb_line_break_holder] -->   \t\t\t<\/p>\n<tr><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Email:<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<td><a href=\"mailto:info@afca.org.au\" class=\"wlink\">info@afca.org.au<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->        <\/tr>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<tr><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Post:<\/td>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<td>Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001<\/td>\n<p><!-- [et_pb_line_break_holder] -->        <\/tr>\n<p><!-- [et_pb_line_break_holder] -->      <\/table>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div><!-- [et_pb_line_break_holder] -->        If your complaint relates to privacy, you may also contact the Office of the Australian Information Commission (OAIC).<!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][et_pb_code admin_label=&#8221;Complainant conduct&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"contact-hero-box\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-img gsap-fade\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-info\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"contact-details-col contact-details-address wg-animate\" data-animate=\"fadeIn\" data-delay=\"500\" data-repeat=\"0\" style=\"margin-top: 0;\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<h4>Complainant Conduct<\/h4>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div><!-- [et_pb_line_break_holder] -->        We will consider all complaints on their merits. However, we may limit or discontinue the handling of a complaint where the complainant&#8217;s conduct is unreasonable, including abusive, threatening, or harassing behaviour, or where demands and expectations are excessive or inappropriate. Any such decision will be made fairly and proportionately.<!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;How to submit&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"contact-hero-box\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-img gsap-fade\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-info\" style=\"padding-bottom: 20px;\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"contact-details-col\" style=\"margin-top: 0;\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<ul class=\"accordion-list\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<li class=\"gsap-fadein\"><!-- [et_pb_line_break_holder] -->\n<div class=\"action-header\" data-page=\"<?= $cpage; ?>&#8220;><!-- [et_pb_line_break_holder] -->            <\/p>\n<h4>How to make a complaint<\/h4>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"action-header-less\">+<\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"action-content\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div><!-- [et_pb_line_break_holder] -->              You can contact us using the method most convenient for you:<!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<table><!-- [et_pb_line_break_holder] -->              <\/p>\n<tr><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Phone:<\/td>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<td><a href=\"tel:1800273337\" class=\"wlink\">1800 273 337<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->              <\/tr>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<tr><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Email:<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<td><a href=\"mailto:CredeqAU-RiskandCompliance@credeq.com\" class=\"wlink\">CredeqAU-RiskandCompliance@credeq.com<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->              <\/tr>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<tr><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Post:<\/td>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Credeq Complaints<!\u2013- [et_pb_br_holder] -\u2013>Level 4, 45 Clarence Street<!\u2013- [et_pb_br_holder] -\u2013>Sydney NSW 2000<\/td>\n<p><!-- [et_pb_line_break_holder] -->              <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/table>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div><!-- [et_pb_line_break_holder] -->              When making a complaint, please tell us:<!-- [et_pb_line_break_holder] -->              <\/p>\n<ul><!-- [et_pb_line_break_holder] -->                <\/p>\n<li>What your complaint is about and the outcome you are seeking<\/li>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<li>Your name and your preferred contact details (you have the right to remain anonymous)<\/li>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<li>Any supporting documentation<\/li>\n<p><!-- [et_pb_line_break_holder] -->              <\/ul>\n<p>   <!-- [et_pb_line_break_holder] -->              By providing us with as much information as you can, you will help us resolve your complaint as quickly as possible. If you wish to remain anonymous, we will not be able to contact you or tell you the outcome of any action we take.<!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/li>\n<p><!-- [et_pb_line_break_holder] -->      <\/ul>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][et_pb_code admin_label=&#8221;External resolution&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"contact-hero-box\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-img gsap-fade\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-info\" style=\"padding-bottom: 20px;\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"contact-details-col\" style=\"margin-top: 0;\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<ul class=\"accordion-list\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<li class=\"gsap-fadein\"><!-- [et_pb_line_break_holder] -->\n<div class=\"action-header\" data-page=\"<?= $cpage; ?>&#8220;><!-- [et_pb_line_break_holder] -->            <\/p>\n<h4>External resolution<\/h4>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"action-header-less\">+<\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"action-content\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div><!-- [et_pb_line_break_holder] -->              If you are not happy with our decision or the handling of your complaint, you can access the dispute resolution scheme managed by the Australian Financial Complaints Authority (AFCA). AFCA\u2019s role is to provide consumers (you) with free, fair and independent dispute resolution for complaints relating to financial service providers.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>AFCA deals with complaints that fall within their rules and will generally only consider your complaint after we have first had the opportunity to resolve your complaint through our internal complaint management process.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>Decisions made by AFCA are binding upon us provided you accept the decision.  However, where you do not agree with the decision, you may pursue alternatives such as legal advice or other external dispute mechanisms.<!\u2013- [et_pb_br_holder] -\u2013><!\u2013- [et_pb_br_holder] -\u2013>You can contact AFCA to confirm if they can assist you.  There is also some helpful information available on their website. You can contact AFCA by:<!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<table><!-- [et_pb_line_break_holder] -->              <\/p>\n<tr><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Phone:<\/td>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<td><a href=\"tel:1800931678\" class=\"wlink\">1800 931 678<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->              <\/tr>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<tr><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Website:<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<td><a href=\"https:\/\/www.afca.org.au\/\" class=\"wlink\" target=\"_blank\" rel=\"noopener\">www.afca.org.au<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->              <\/tr>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<tr><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Email:<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<td><a href=\"mailto:info@afca.org.au\" class=\"wlink\">info@afca.org.au<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->              <\/tr>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<tr><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Post:<\/td>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<td>Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001<\/td>\n<p><!-- [et_pb_line_break_holder] -->              <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/table>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div><!-- [et_pb_line_break_holder] -->              If your complaint relates to privacy, you may also contact the Office of the Australian Information Commission (OAIC).<!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/li>\n<p><!-- [et_pb_line_break_holder] -->      <\/ul>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][et_pb_code admin_label=&#8221;Complainant conduct&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"contact-hero-box\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-img gsap-fade\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"contact-hero-info\" style=\"padding-bottom: 20px;\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"contact-details-col\" style=\"margin-top: 0;\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<ul class=\"accordion-list\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<li class=\"gsap-fadein\"><!-- [et_pb_line_break_holder] -->\n<div class=\"action-header\" data-page=\"<?= $cpage; ?>&#8220;><!-- [et_pb_line_break_holder] -->            <\/p>\n<h4>Complainant conduct<\/h4>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"action-header-less\">+<\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"action-content\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div><!-- [et_pb_line_break_holder] -->              We will consider all complaints on their merits. However, we may limit or discontinue the handling of a complaint where the complainant&#8217;s conduct is unreasonable, including abusive, threatening, or harassing behaviour, or where demands and expectations are excessive or inappropriate. Any such decision will be made fairly and proportionately.<!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/li>\n<p><!-- [et_pb_line_break_holder] -->      <\/ul>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][et_pb_code disabled_on=&#8221;on|on|on&#8221; admin_label=&#8221;Accordion&#8221; module_class=&#8221;gsap-headings&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul class=\"accordion-list\"><!-- [et_pb_line_break_holder] -->\t<\/p>\n<li class=\"gsap-fadein\"><!-- [et_pb_line_break_holder] -->\n<div class=\"action-header\" data-page=\"<?= $cpage; ?>&#8220;><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<h4>How to Make a Complaint<\/h4>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<div class=\"action-header-less\">+<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"action-content\"><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<div><!-- [et_pb_line_break_holder] -->\t\t\t\tYou can contact us using the method most convenient for you:<!-- [et_pb_line_break_holder] -->\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<table><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<tr><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<td>Phone:<\/td>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<td><a href=\"tel:1800273337\" class=\"wlink\">1800 273 337<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/tr>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<tr><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<td>Email:<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<td><a href=\"mailto:CredeqAU-RiskandCompliance@credeq.com\" class=\"wlink\">CredeqAU-RiskandCompliance@credeq.com<\/a><\/td>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/tr>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<tr><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<td>Post:<\/td>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<td>Credeq Complaints<!\u2013- [et_pb_br_holder] -\u2013>Level 4, 45 Clarence Street<!\u2013- [et_pb_br_holder] -\u2013>Sydney NSW 2000<\/td>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/tr>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<\/table>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<div><!-- [et_pb_line_break_holder] -->\t\t\t\tWhen making a complaint, please tell us:<!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<ul><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<li>What your complaint is about and the outcome you are seeking<\/li>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<li>Your name and your preferred contact details (you have the right to remain anonymous)<\/li>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<li>Any supporting documentation<\/li>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/ul>\n<p>   <!-- [et_pb_line_break_holder] -->\t\t\t\tBy providing us with as much information as you can, you will help us resolve your complaint as quickly as possible. If you wish to remain anonymous, we will not be able to contact you or tell you the outcome of any action we take.<!-- [et_pb_line_break_holder] -->\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/li>\n<p><!-- [et_pb_line_break_holder] --><\/ul>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><b>How to Make a Complaint<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You can contact us using the method most convenient for you:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Phone:<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1800 273 337<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Email:<\/span><\/td>\n<td><span style=\"font-weight: 400;\">CredeqAU-RiskandCompliance@credeq.com<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Post:<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credeq Complaints<br \/><\/span><span style=\"font-weight: 400;\">Level 4, 45 Clarence Street<br \/><\/span><span style=\"font-weight: 400;\">Sydney NSW 2000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When making a complaint, please tell us:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">What your complaint is about and the outcome you are seeking<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Your name and your preferred contact details (you have the right to remain anonymous)<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Any supporting documentation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">By providing us with as much information as you can, you will help us resolve your complaint as quickly as possible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you wish to remain anonymous, we will not be able to contact you or tell you the outcome of any action we take.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Form&#8221; module_class=&#8221;section-form&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; 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d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_12' >\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_12'  action='\/au\/wp-json\/wp\/v2\/pages\/4580' data-formid='12' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_12' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_12_10\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_12_10'>Phone<\/label><div class='ginput_container'><input name='input_10' id='input_12_10' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_12_10'>This field is for validation purposes and should be left unchanged.<\/div><\/div><div id=\"field_12_1\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_12_1'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_12_1' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_12_3\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_12_3'>Surname<span class=\"gfield_required\"><span 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gfield--type-select gfield--input-type-select gfield--width-half form-product gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_12_8'>Product<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_8' id='input_12_8' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='' ><\/option><option value='Contractor Performance Guarantees' >Contractor Performance Guarantees<\/option><option value='Mining Rehabilitation Guarantees' >Mining Rehabilitation Guarantees<\/option><option value='PetroBonds' >PetroBonds<\/option><option value='Deposit Bonds' >Deposit Bonds<\/option><option value='Lease Bonds' >Lease Bonds<\/option><option value='Construction Warranty Insurance' 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