Terms & Conditions

Key Information

Sando Finance and its Credit Representatives are representatives of Finsure Finance and Insurance Pty Ltd.

Australian Credit Licence holder:
Finsure Finance and Insurance Pty Ltd (ACN 068 153 926)

Level 27, 10 Carrington Street Sydney NSW 2000

Australian Credit Licence number:

External Dispute Resolution Scheme details:
Australian Financial Complaints Authority



1800 931 678

In writing to:
Australian Financial Complaints Authority,
GPO Box 3, Melbourne VIC 3001


Finsure is ultimately owned by MA Financial Group Limited (ACN 142 008 428). We will only ever assist you with the credit product that we believe is best for you and your circumstances. However, in the event that we introduce you to a loan from MA Financial Group Limited’s or any of its subsidiaries we will specifically disclose this ownership relationship to you again to ensure you understand our relationship with them.

Information will be required from you

Before we suggest or assist you with entering into a loan (or lease) or increasing the credit limit of an existing loan, we must assess if that loan will be unsuitable for you. In order to do this, we will need to ask you a series of questions to make this assessment.

This includes:

  • making reasonable enquiries about your borrowing objectives and requirements
  • making reasonable enquiries about your financial situation
  • taking reasonable steps to verify the details of your financial situation.

A loan or increasing the credit limit of an existing loan will be unsuitable if at the time of making the assessment, it is likely that you will be unable to repay the loan or lease or can afford to repay it only with substantial hardship; or the loan or lease does not meet your stated requirements or objectives. If we provide you with credit assistance, we will provide you with a copy of our preliminary credit assessment that details how we considered the product we suggested.

Information Provided by us

We do not provide financial or legal advice. It is important to understand your legal obligations under a proposed loan or lease and the financial consequences imposed by the debt. If you have any doubts, you should obtain independent financial and legal advice before you enter into any finance contract. We do not make any representations about the current value of any real estate you finance through us, or the future prospects of its value. You should always rely upon your own enquiries.

Additional Information

If you have any questions about this information and you would like a full copy of our Credit Guide or about any other aspect of our services, please do not hesitate to ask us at any time. We are here to assist you.