Copyright ° 2025 www.zent.com.au ZENT is the trading name of MONZI PTY LTD, ABN 76 632 780 655. Credit Representative Number: 517193. MONZI PTY LTD is a credit representative of Fish4Loans Pty Ltd (ABN 89 603 132 618), Australian Credit License 474107. By accessing this web site, you are agreeing to be bound by the web site Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws.

If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.

Liability

 

To the extent permitted by law, we are not liable to any person in relation to use of the website, and you waive all claims against us in relation to your use of the website. The materials on this web site are provided “as is”. Zent makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Furthermore, we do not warrant that the website will always be accessible and we do not warrant that the website is free from anything that may damage any device used to access the website.

 

Privacy Statement

 

We are dedicated to safeguarding your personal privacy. For details on how we collect, use, and disclose your personal information, please refer to our Privacy Policy.

 

We adhere to the National Privacy Principles as outlined in the Privacy Act 1988. Accordingly, client information and associated records may be shared with third parties where necessary. That said, all client records are treated as confidential and will only be disclosed to third parties who are essential for delivering the services outlined herein, or where disclosure is required by law to relevant authorities.

 

Third Party Websites

 

Zent may include links to external websites operated by third parties. As these sites are not under our control, we disclaim any responsibility for the content, accuracy, or availability of such sites, or for any links contained within them. Your access to and use of third-party websites, including any products or services offered therein, is entirely at your own discretion and risk. We recommend that you review the terms and conditions of those sites prior to use, and direct any queries or concerns regarding their content to the respective site administrators.

 

Copyright Notice

 

All text pertaining to Zent’s services, along with the entire content of this website, is protected by copyright and other applicable intellectual property laws.

 

Security

 

Zent implements appropriate measures to safeguard the security and confidentiality of your personal information against misuse, interference, loss, and unauthorized access, alteration, or disclosure. Our systems and procedures have been designed from the outset with data protection in mind. For further details, please refer to our Security Policy.

 

Collection & Use of Information

 

Any information you provide to Zent, by any means, is collected solely for purposes that are reasonably necessary for, or directly related to, the functions and activities of our business. The purposes for which we collect and use this information may include, but are not limited to:

 

Processing your loan application in compliance with legal requirements;

 

Assessing your personal and/or commercial creditworthiness;

 

Compiling and aggregating data for statistical, prudential, actuarial, or research purposes;

 

Evaluating the risk of potential default on your obligations to us;

 

Developing and implementing strategies for fraud detection and credit loss prevention;

 

Conducting risk assessment and management activities, including securitisation, credit scoring, portfolio analysis, reporting, fraud prevention, and recovery of claims;

 

If your application is approved, issuing a loan and determining the terms under which it is provided;

 

Managing your account with Zent;

 

Assisting in the resolution of any disputes you may have with us;

 

Informing you about current or future products and services offered by us or our commercial partners; and

 

Fulfilling any legal obligations we may have in collecting and assessing personal information.

 

The types of personal information we may collect include, but are not limited to:

 

Your name, address, occupation, age, gender, email addresses, bank account details, income, and other financial information;

 

Details of your transactions with us or third parties, including payment history and loan balances, as well as information you provide when contacting our customer support team;

 

Information obtained from third parties, such as credit reporting agencies and other financial institutions; and

 

Data received from external parties such as lead generators and other service providers.

 

Cookies

 

We use cookies to enhance your browsing experience, deliver more personalised services, and improve the overall effectiveness of our website. A cookie is a small text file stored on your device by our web server, which may be retrieved during subsequent visits. The use of cookies is a common practice across websites. You have the ability to control how cookies are managed by adjusting the settings and preferences within your internet browser.

 

Complaints

 

Should you have any complaint or dispute regarding your use of this website, we encourage you to contact us using the details provided on our website. We also recommend reviewing our Dispute Resolution Policy for further guidance on how such matters are addressed.

 

Exclusions & Limitations

 

The content on this website is provided on an “as is” basis. To the maximum extent permitted by law, Zent:

 

Disclaims all representations and warranties, whether express or implied, with respect to this website and its content, including any that may arise from materials provided by affiliates or third parties, or from any errors or omissions found within the website or related literature; and

 

Disclaims all liability for any damages arising from or connected to your use of the website. This includes, without limitation, direct losses, loss of business or profits (regardless of foreseeability, normal course of events, or prior notification), and damage to your computer, software, systems, programs, or data, as well as any other direct, indirect, consequential, or incidental losses.

 

Notwithstanding the above, Zent does not exclude liability for death or personal injury resulting from its negligence. These exclusions and limitations apply only where permitted by applicable law and do not affect your statutory rights as a consumer.