About us 

Navalo Financial Services Group Pty Ltd trading as Payright ABN 24 605 753 535 (Payright or we) is an Australian Credit Licensee offering buy now pay later plans (BNPL Arrangements) and personal loans (Loans) to customers for purchases of goods and services. We hold an Australian Credit Licence number 533 485. We provide this Credit Guide to you in relation to the distribution of credit through us by Devizo Finance Pty Ltd ABN 21 622 104 527 (Devizo Finance). Devizo Finance is an exempt special purpose funding entity under Schedule 3 of the National Consumer Credit Protection Regulations 2010 (Cth) and is the lender of record. We act as the manager of Devizo Finance and perform the obligations or exercise the rights of Devizo Finance as the credit provider.  

Our obligation before providing credit to you 

In order for us to provide Loans or a BNPL Arrangement to you, we need you to provide us with complete and accurate information in response to any requests we make to you, so that we can make an assessment as to the suitability of the loan. Upon request, at any time within 7 years after we enter into a Loan or BNPL Arrangement with you or we increase the credit limit of your Loan or BNPL Arrangement or prior to us entering the credit contract or increasing the credit limit of your Loan or BNPL Arrangement, we will provide you with a copy of our assessment. We will provide you with a copy of the credit assessment within 7 business days of your request, unless your request is made more than 2 years after the date we provided the credit assistance, in which case we will provide it within 21 business days of your request. You will not be charged for a copy of your assessment. 

Responsible Lending 

We must not enter into a Loan contract (or an increased credit limit) or BNPL Arrangement that is unsuitable for you. A Loan or BNPL Arrangement will be unsuitable if you are unable to pay or could only do so with substantial hardship, or it does not meet your requirements or objectives. 

Dispute Resolution 

If you have a complaint or would like clarification from us, please: 

Call us on: 1300 338 496 

Email us at: complaints@payright.com.au 

Or write to us at: 

Payright 42 Cambridge Street Collingwood VIC Australia 3066 

Most complaints can be resolved quickly, and we encourage you to contact us. 

Payright will acknowledge your complaint within one business day, or as soon as practicable. All complaints require proper investigation, and we want to ensure that our response to you addresses the issues raised in your complaint. We will provide you an initial response within 14 calendar days (10 business days) of receiving your complaint. However, where further information is required from you or outside sources, Payright aims to resolve complaints within 21 calendar days of receiving all the required information. Where it is not reasonably possible to resolve your complaint within this timeframe, Payright will advise you of the reason and provide you with an indication of the alternative resolution timeframe. 

If you are not happy with the resolution of your complaint, you may request that your complaint be escalated for review. Escalated complaints are usually handled by a senior manager. 

External Dispute Resolution  

Payright is a member of the Australian Financial Complaints Authority (AFCA). If you remain unhappy with the outcome of your complaint after completion of Payright’s internal processes and procedures, you may take your complaint to AFCA. 

AFCA’s contact details are: 

Phone: 1800 931 678 

Fax: (03) 9613 6399 

Email: info@afca.org.au 

Website: www.afca.org.au 

Mail: Australian Financial Complaints Authority Limited 

GPO Box 3 

Melbourne VIC 3001 (Australia)