Right to Request Assessment
At Jingle, we believe in responsible lending and transparency. As a borrower, you have the legal right to request and receive a copy of the assessment we conducted to determine whether the loan was suitable for you.
What This Means
Before approving any loan, we are required by law to assess whether you can meet the repayments without substantial hardship. This process is part of our responsible lending obligations under the National Consumer Credit Protection Act 2009.
You have the right to request a copy of this assessment at any time - whether your application was approved or declined. This helps you understand how we made our lending decision and how your financial situation was evaluated.
What’s Included in Your Assessment Report
1. Income Verification
- Sources of income we verified
- How we calculated your available income
- Employment verification details
2. Expense Analysis
- Your declared living expenses
- How we verified or estimated your expenses
- Comparison with benchmark data (where applicable)
3. Affordability Calculation
- How we determined what you could reasonably afford to repay
- Any buffer we applied for unexpected expenses
- Our final affordability outcome
4. Suitability Assessment
- How the loan met your needs and objectives
- Risk factors we considered in the approval process
How to Request Your Assessment Copy
You can request your assessment report through any of the following methods:
1. By Phone
Call us on 1300 654 230 and request “a copy of my loan assessment report.” Please have your loan number and identification ready.
2. By Email
Email: hello@jingle.com.au
Subject: Request for Assessment Report Copy
Include the following details in your email:
- Full name
- Loan contract number
- Date of birth (for verification)
- Request for assessment report copy
3. In Writing
Mail a signed letter to:
Jingle Finance Pty Ltd
PO Box 677, Templestowe VIC 3106
Include your loan details and a clear request for the assessment report.
What Happens Next
Identity Verification: We’ll confirm your identity before releasing the report to protect your privacy.
Timeframe: You’ll receive your report within 7 business days of your verified request.
Format: Reports are typically sent as PDFs via email, or by post if requested.
Cost: There is no charge - requesting your assessment is completely free.
Why You Might Want Your Assessment Report
To Understand Our Decision
- Review how your affordability was calculated
- See what information influenced the lending outcome
- Understand any assumptions made about your finances
For Future Applications
- Learn what lenders look for
- Better prepare for future loan applications
If You’re Experiencing Difficulty
- Assess whether your circumstances have changed
- Use the report to support a hardship application
To Lodge a Complaint or Dispute
- Use the report as part of your evidence
- It’s often required in AFCA complaints or legal matters
Understanding and Privacy
If you have questions about the report:
- Call us on 1300 654 230
- Speak with a financial counsellor: 1800 007 007
- Visit moneysmart.gov.au for independent guidance
Your information is handled in accordance with the Privacy Act 1988. We:
- Only release the report to you (or someone you’ve authorised in writing)
- Store assessments securely for at least 7 years, as required by law
Important Legal Information
Your rights are protected under:
- National Consumer Credit Protection Act 2009
- National Credit Code
- Privacy Act 1988
We cannot:
- Refuse your request without valid reason
- Charge a fee for this request
- Provide incomplete or misleading information
- Unreasonably delay your request
If we refuse your request:
- Ask for the refusal and reason in writing
- Contact our complaints team: complaints@jingle.com.au
Escalate to AFCA: 1800 931 678 or afca.org.au
Ready to Request Your Assessment?
- Phone: 1300 654 230
- Email: hello@jingle.com.au (Subject: Assessment Report Request)
We’re committed to transparent, responsible lending. Your assessment report is available at no cost and can help you better understand your loan.
This right applies to all regulated loans under the National Consumer Credit Protection Act 2009. Assessment reports contain personal financial information and should be stored securely.
