Coogans Credit Terms & Conditions

1. Credit provided by W Coogan & Co Pty Ltd (ABN 77 009 475 923) Australian Credit Licence 382866.  You must be over the age of 18 years to apply, interest rates, fees and charges apply.  W Coogan & Co Pty Ltd complies with all lending requirements under the National Consumer Credit Protection Act (NCCP).  For full Terms and Conditions see Line of Credit Contract.

2. I warrant a) that all statements made and documents provided by me within this application process of a Coogans Line of Credit Contract are true and correct to the best of my knowledge b) I acknowledge that further information may be required to finalise this application and c) that I accept the application is subject to review and that the credit provider is not obliged to approve credit.

3. I acknowledge that;

a) If the credit provider agrees to provide credit, I will receive a copy of the Coogans Line of Credit Contract, along with a card which forms the account. b) my credit limit will appear in the Financial Table, I agree that I must not allow the credit limit to be exceeded without your approval.  If the credit limit is exceeded without your approval, I must immediately repay the excess. I agree that you may reduce the credit limit or stop providing credit at any time and for any reason.

4. We collect your personal information so that we can perform our functions and activities.  If you do not provide your personal information to us, we may not be able to; a) provide you with the product or service you want; b) verify your identity; or c) manage your account

5. Personal information we hold about you that was collected for a particular purpose will not be disclosed for another purpose unless; a) you have consented to the use or disclosure of the information for another purpose; or b) the access, use or disclosure is otherwise permitted under the Privacy Act.  Where your personal information is disclosed, we will seek to ensure that information is used, held and disclosed consistently with the Privacy Act and any other applicable laws.  Further information on our Privacy Policy can be found at https://www.cooganstores.com.au/index.php/privacy-statement/

6. I agree that the contact details I have provided may be used to advise me about products or services that I may find of interest.  I understand that I can opt out of direct marketing at any time by emailing [email protected] or by calling 1300 266 426

7. Minimum credit limit $500.  Fees and charges are; $1.95 monthly account keeping fee, $10.00 cheque dishonour fee, $5.00 per week late fee, $2.95 paper statement fee.  Interest rate is 25.9%

8. W Coogan & Co Pty Ltd has the right to withdraw, suspend or terminate any Line of Credit Contract that has been breached in any way, or if a person has engaged in fraudulent activities relating to the Line of Credit Contract.

9. Deferred payment options and limited offers available for promotional periods.  Offers apply to instore purchases only (not valid for personal loans) Exclusions apply, see instore for further details.