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Financial Services Reform Act (FSRA)
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The Conditions of Use for our Account and Access Facility contains important information about the terms and conditions, fees & charges and transaction limits that apply to all our savings and investment accounts or access facilities.
You should read and retain these documents before taking out any of our financial products or services.
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Conditions of Use
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 Conditions of use
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Summary of Accounts & Availability of Access Facilities
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Financial Services Guide
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Fees & Charges and Transaction Limits
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Credit Card
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Credit Card Terms and Conditions
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Cash Rewards Terms and Conditions
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Credit Union Code of Practice
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Credit Union Code of Practice
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Dispute Resolution
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Do you have a complaint?
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The Directors, Managers and staff of Big Sky understand that although we do our best to provide a high level of service, you may at times feel that there are issues that have not been resolved to your satisfaction.
Big Sky is committed to providing exceptional and superior service to all our members. Complaints provide Big Sky with an opportunity to identify where it may be failing this commitment. To ensure members have the opportunity to make these complaints known, Big Sky has a Complaints and Dispute Resolution Procedure which members can access free of charge. This procedure means:
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- You have a way of having your complaints addressed;
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- Our Directors and Senior Management will be aware of the issue that is of concern to you; and
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- Where possible, Big Sky has an opportunity to improve its procedures, products and services.
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Internal
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You may lodge a complaint with Big Sky regarding a product or service in the following ways:
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- In writing to Big Sky Credit Union, GPO Box 1801 Melbourne VIC 3001;
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- Visiting one of our Service Centres where one of our friendly consultants will assist you.
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If the complaint is unable to be resolved immediately it will be forwarded to a more senior or experienced person. Big Sky aims to have your complaint resolved within 14 days. If we are unable to do so, your complaint will be forwarded to our Internal Disputes Manager and you will be notified in writing advising you of this.
For more information on the Big Sky Complaint Dispute Resolution procedure please view our information brochure Big Sky Dispute Resolution Procedure.
Big Sky is fully committed to dealing with complaints promptly with the view to resolving the complaint to the satisfaction of yourself and Big Sky.
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External
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If however, in spite of our best efforts, your complaint is not resolved to your complete satisfaction, you may pursue the dispute with an independent external dispute resolution service.
The external disputes resolution body is the:
Credit Union Dispute Resolution Centre Pty Ltd
Telephone 1300 780 808
Fax (03) 9620 4446
Email info@cudrc.com.au
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Website http://www.cudrc.com.au
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Mail GPO Box 3A, Melbourne VIC 3001
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Privacy
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Big Sky is committed to protecting your privacy. On 21 December 2001, amendments to the Commonwealth Privacy Act came into force. Broadly speaking, these laws affect information privacy and relate to the collection, storage, use and disclosure of personal information about individuals.
Big Sky has always ensured that member information is maintained with the utmost confidentiality.
Download a copy of the:
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Big Sky Privacy Policy
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Disclaimer
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The information contained in the Big Sky web site is of a general nature and should be used for reference only. While every effort is made to keep this site accurate and current, Big Sky reserves the right to change the information without notice and makes no guarantee as to the accuracy and currency of the interest rates or other product information. Details of current terms and conditions and fees and charges are available from Big Sky.
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Loan repayment calculator
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Information provided by the Borrowing Power Calculator should be used as a guide only. The information is not a quotation and is not binding in any way. The calculator does not pre-qualify you for a loan - all loan applications are subject to Big Sky's loan assessment criteria. Actual repayments and interest calculations will vary based on the details of your loan application.
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Links to other web sites
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The Big Sky web site may contain links to other web sites operated by third parties. Big Sky does not endorse or approve the information contained in these party web sites, nor does it make warranties or representations of the products or services of these third parties.
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Viruses
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Big Sky does not warrant that its web site or the web sites of any third parties linked to this web site will be free from viruses.
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Liability
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Big Sky accepts no responsibility for any loss, cost or expense arising from use of information in this site.
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Copyright
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Information on this web site (including source code) is the property of Big Sky and is subject to copyright. Unauthorised use of the information is not permitted.
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