This policy outlines the terms and conditions under MCP Credit Pty Ltd, trading as Uptain (hereinafter referred to as “Company”) provides financial services to its customers. By using our services, you agree to be bound by the following terms and conditions: 


1. Definitions: 

    • “Agreement” refers to these terms and conditions, together with any other agreements or documents incorporated by reference. 

    • “Customer” refers to the person or entity that has applied for and been approved for financial services from the Company. 

    • “Services” refers to the financial services provided by the Company, including but not limited to loans, mortgages, and other financial products. 

2. Eligibility:  

To be eligible for the Company’s services, you must be at least 18 years of age, possess the legal right and ability to enter into a legally binding agreement with the Company. You must also meet the Company’s credit and income requirements, as determined by the Company’s underwriting guidelines. 

3. Application and Approval Process:  

The application process for the Company’s services can be initiated via our Introducers and Relationship Managers. Once your application is submitted, the Company will conduct a credit and income check to determine your eligibility for our services. The Company reserves the right to reject any application for any reason. 

4. Loan Terms and Conditions:  

The terms and conditions of the loan, including the loan amount, interest rate, repayment schedule, and any fees, will be disclosed to the customer at the time of loan approval. The customer must agree to the terms and conditions of the loan before disbursal of funds. The customer is responsible for making timely and full payments according to the repayment schedule. Late or missed payments may result in additional fees and/or interest charges. 

5. Privacy Policy:  

The Company is committed to protecting the privacy of its customers. We will only use your personal information as necessary to provide our services and as otherwise permitted by law. For more information, please refer to our Privacy Policy. 

 6. Limitation of Liability:  

The Company will not be liable for any indirect, incidental, special, or consequential damages arising from the use of its services, including but not limited to lost profits, business interruption, or loss of data. 

7.Dispute Resolution:  

We value your privacy and strive to handle your personal information in an ethical and responsible manner. If you have a complaint about our handling of your personal information or our service does not meet your expectation, we would like to hear from you. 


Internal Dispute Resolution

To raise your complaint, please reach out to our Internal Dispute Resolution Department at the following: 

Telephone:      03 8370 3173  

Email:               help@uptain.com.au  

Address:           Level 4 488 Bourke Street Melbourne VIC 3000 


To help us resolve your complaint quickly, please provide as much information as possible. If you have any supporting documents, please have them readily available. We will endeavour to resolve your complaint within 5 business days upon receipt. If we are unable to do so, we will send you an email or letter explaining the reason for the delay and your right to escalate to our External Dispute Resolution scheme. 


External Dispute Resolution

If you are not satisfied with our internal resolution process, you may make a formal complaint to our External Dispute Resolution scheme, the Australian Financial Complaints Authority (AFCA). AFCA is independent and administers the external segment of the banking and finance industry’s alternative dispute resolution scheme, approved by the Australian Securities and Investments Commission. You can contact AFCA at: 

Web:        www.afca.org.au 

Email:      info@afca.org.au 

Tel:           1800 931 678 (free call) 

Postal:     Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 


8. Governing Law:  

This Agreement will be governed by the laws of the country in which the customer resides. 


9. Changes to Terms and Conditions:  

The Company reserves the right to modify these terms and conditions at any time. The customer is responsible for regularly reviewing the terms and conditions for any changes. Continued use of the Company’s services after any changes have been made constitutes acceptance of the revised terms and conditions. 


These terms and conditions constitute the entire agreement between the Company and the customer, and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter of this Agreement. 


By using the Company’s services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.