FULL LOAN TERMS & CONDITIONS

Submitting an application does not guarantee approval. Every application is reviewed individually and may be subject to verification, affordability assessment and final approval by SureFlow Finance.

We will consider the information available to us when making our lending decision.

When you apply, you confirm that the information and documents you provide are true, accurate and complete.

Providing information that is false, misleading or incomplete may result in your application being declined or, where appropriate, an approved loan being withdrawn.

To help us assess your application responsibly, you authorise SureFlow Finance to verify the information you provide.

Depending on your application, this may include contacting an employer, guarantor, reference, bank or another relevant party where necessary.

If your application is approved, the loan amount, applicable interest rate and repayment structure will be communicated to you before you commit to the loan.

The terms offered may vary depending on factors including affordability, repayment history, account conduct and the outcome of our assessment.

Before making your decision, you can also use our Loan Calculator to explore the published repayment structures.

The calculator provides estimates only. Your final loan terms remain subject to assessment, verification and approval.

If your loan is approved, you agree to make your repayments according to the agreed repayment schedule.

Keeping up with your agreed repayments is an important part of maintaining your account in good standing and may affect your eligibility for future opportunities with SureFlow Finance.

If something changes and you believe you may have difficulty meeting a repayment, please speak with us as early as possible.

You agree that SureFlow Finance may contact you by appropriate communication channels, including phone, SMS, WhatsApp or email, in relation to your application, account, repayments and other relevant account matters.

We believe communication should work both ways. If your circumstances change, keeping us informed helps us understand what is happening.

Where a guarantor or reference is required, you confirm that you have their permission to provide their details to SureFlow Finance.

We may need to verify information provided by a guarantor or reference as part of the applicable assessment process.

We take the privacy of the information you provide seriously.

Your information will be handled in accordance with our applicable privacy practices and relevant laws and regulations, and may be used for purposes connected with processing, administering and managing your application and account.

If you need to request a repayment extension, the request should be made before the relevant repayment due date.

Any extension request is subject to review and approval by SureFlow Finance and is not automatically granted.

Successfully completing one loan does not guarantee approval for another.

Future applications will continue to be assessed individually, taking into account relevant factors such as repayment history, affordability, account conduct and the information available at the time of application.

SureFlow Finance may assign unique customer and guarantor reference numbers for identification and account administration purposes.

These may include:

• SCRN (SureFlow Client Reference Number)

• SGRN (SureFlow Guarantor Reference Number)

Reference numbers remain the property of SureFlow Finance and may be used for future applications, account enquiries, loyalty programmes, savings memberships, and verification processes.

Assignment of a reference number does not guarantee approval for any loan, savings product, benefit, promotion, or future service.

Successfully completing one loan does not guarantee approval for another.

Future applications will continue to be assessed individually, taking into account relevant factors such as repayment history, affordability, account conduct and the information available at the time of application.

SureFlow Finance offers a range of programmes and benefits designed to support customers beyond a single loan.

These may include Trusted Access, savings programmes, community benefits, progression opportunities, promotions and other customer initiatives.

Eligibility varies between programmes and customers.

Participation in one programme or benefit does not automatically qualify you for another.

Trusted Access

Trusted Access is an invitation-based programme that recognises customers who have developed a positive and consistent relationship with SureFlow Finance.

Eligible customers may receive access to additional benefits, flexibility or opportunities depending on their individual circumstances and applicable programme requirements.

Trusted Access does not guarantee approval of any particular request.

All applicable requests remain subject to the relevant assessment, verification and lending criteria.

Our savings and community programmes may have their own contribution requirements, participation periods, verification procedures and withdrawal arrangements.

Please refer to the applicable programme information and terms before participating.

From time to time, SureFlow Finance may offer promotions, savings boosts, rewards, incentives or other customer benefits.

Each programme may have its own eligibility requirements and terms.

We may amend, suspend or discontinue a programme or benefit where appropriate.

Programme Changes

Customer programmes, benefits and eligibility requirements may change as SureFlow Finance develops.

Where a programme has specific terms that apply to you, those terms will take precedence for that programme.

SureFlow Finance may decline an application where, following our assessment, verification or applicable lending criteria, we determine that the application is not suitable for approval.

An application meeting the basic eligibility requirements does not guarantee approval.

Please make sure you:

• Have provided accurate and complete information
• Understand the proposed repayment commitment
• Have reviewed the applicable terms
• Have considered whether the repayments are affordable for you
• Have provided any required guarantor or supporting information
• Have asked us about anything you do not understand

Take your time. Read the terms. Understand the commitment.

We want you to proceed with clarity, not uncertainty.

By submitting a loan application to SureFlow Finance, you confirm that you have read, understood and agreed to these Loan Terms & Conditions and any other applicable terms relating to your application or approved loan.

Clear from the beginning. Human throughout the journey.