Responsible Lending & Collections Policy

Our commitment

Tectri Finance aims to provide financing responsibly, transparently and without deceptive or abusive collection practices.

Before approval

• Verify relevant identity and application information.
• Assess affordability using declared income, expenses and existing obligations.
• Consider repayment capacity rather than relying only on the requested amount.
• Use credit information where legally permitted and appropriately disclosed.
• Record the decision and supporting information for audit purposes.

Customer transparency

Customers should be shown the principal, applicable interest rate, service charge, repayment schedule, total repayment and material consequences of default before accepting a loan.

Collections

Collections staff and authorised service providers must communicate professionally, use accurate account information and respect privacy. Recovery activity must be proportionate, documented and lawful. We will not publish or disclose a customer’s debt to unrelated third parties as a pressure tactic.

Vulnerability and hardship

Customers experiencing genuine financial difficulty should contact Tectri Finance promptly. Where appropriate and permitted, we may review a repayment arrangement. Any variation must be documented.

Governance

Management should periodically review affordability rules, complaints, arrears, recoveries, pricing and customer outcomes. This policy should be aligned with the licence and regulatory obligations applicable to Tectri Finance before launch.