Legal
Privacy, disclosures & complaints
A plain-English summary of how we handle your information, what we're licensed to do, and how to raise a concern.
Who we are
Sterling & Co. Pty Ltd trading as Finsterl Finance. ABN 69 684 138 690. Australian Credit Licence 568199.
Registered office: 14/17 Rivergate Place, Murarrie QLD 4172.
We act as a finance broker, arranging credit and asset finance from a panel of lenders. We are not a lender and we do not provide financial product, tax or legal advice.
Privacy
We collect personal and, where relevant, business information so we can assess your requirements and arrange finance. This may include identification, income and expense information, credit information and details of the asset being financed.
We disclose your information to lenders, insurers, referrers you have authorised, credit reporting bodies and service providers who help us assess and submit your application. We only use it for the purpose you gave it to us, or a directly related purpose you would reasonably expect.
You can ask us for a copy of the information we hold about you, ask us to correct it, or ask us to stop contacting you at any time by emailing info@finsterlfinance.com.au.
Credit enquiries
An initial conversation does not require an application to a lender. A credit enquiry is generally recorded on your credit file when an application is submitted for a credit decision. We will tell you before that step happens.
Fees and commissions
We may receive commission from lenders and, in some cases, charge a broker fee. Where a fee applies, it will be disclosed to you in writing before you proceed, along with how it is calculated.
Complaints
If something has gone wrong, tell us first — call 1300 508 827 or email info@finsterlfinance.com.au and we will acknowledge your complaint and work to resolve it promptly.
If you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme. Our AFCA membership number is 116347.
General disclosures
All finance is subject to lender assessment, eligibility criteria, terms and conditions. Rates and fees depend on individual circumstances.
Funding options are subject to the asset, supplier, applicant and individual lender policy.
This calculator provides estimates only and does not constitute financial advice, a finance approval or a guarantee of business performance. Actual repayments, costs and business outcomes may differ.
Consolidating debt may reduce or increase the total interest and fees paid depending on the interest rate, fees and loan term. Estimates are illustrative only and do not represent an offer of credit.
