{
  "service": "Creditcrest Portal",
  "version": "1.0.0",
  "says": "This shows a borrower the figures their lender’s ledger holds and decides whether a message may be sent under the rules the lender set and the law sets. It does not decide anything about the borrower’s credit. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.",
  "stores": "nothing",
  "brand_required": [
    "legalName",
    "abn",
    "creditLicence",
    "afca",
    "phone",
    "hardshipContact"
  ],
  "s133cf": {
    "cite": "National Credit Act s 133CF(1)",
    "quote": "A licensee must not make, or arrange for the making of, an unsolicited communication to a consumer (whether orally, in writing or by electronic means) that contains: (a) an offer to the consumer to enter into a small amount credit contract; or (b) an invitation to the consumer to apply for a small amount credit contract; if any of the following apply: (c) the consumer is, or has at any time been, a debtor under a small amount credit contract with the licensee; (d) the consumer has at any time applied for a small amount credit contract with the licensee; (e) the consumer: (i) is, or has at any time been, a debtor under a small amount credit contract with another credit provider; or (ii) has at any time applied for a small amount credit contract with another credit provider; and a reasonable person in the licensee’s position would, if the person undertook such inquiries as are reasonable in the circumstances, be aware of the matter in subparagraph (i) or (ii) (whichever applies).",
    "consequence": "Section 133CF(4): if a contract is entered within 30 days after such a communication, the consumer is not liable for, and may recover, the fees and charges s 31A(1)(a) to (d) of the Code permit."
  },
  "example_templates": [
    {
      "key": "repayment-missed",
      "version": 1,
      "channel": "sms",
      "purpose": "service",
      "variables": [
        "lender",
        "amount",
        "due",
        "hardship_phone"
      ],
      "body": "{{lender}}: a repayment of ${{amount}} due {{due}} has not been received. If you are having trouble paying, call {{hardship_phone}}. Asking for help is free."
    },
    {
      "key": "repayment-missed",
      "version": 1,
      "channel": "email",
      "purpose": "service",
      "variables": [
        "lender",
        "first_name",
        "amount",
        "due",
        "hardship_phone"
      ],
      "subject": "A repayment has not been received",
      "body": "Hello {{first_name}},\n\nA repayment of ${{amount}} that was due on {{due}} has not been received by {{lender}}. If it has already been paid, you do not need to do anything.\n\nIf you are having trouble making repayments, call {{hardship_phone}}. You can tell us by phone or in writing, asking for help is free, and it does not affect your rights."
    },
    {
      "key": "payout-statement",
      "version": 1,
      "channel": "email",
      "purpose": "service",
      "variables": [
        "lender",
        "first_name",
        "amount",
        "as_at"
      ],
      "subject": "Your payout figure",
      "body": "Hello {{first_name}},\n\nThe amount required to pay out your loan with {{lender}} on {{as_at}} is ${{amount}}. The amount required to pay out the contract may change according to the date on which it is paid."
    },
    {
      "key": "contract-ready",
      "version": 1,
      "channel": "email",
      "purpose": "service",
      "variables": [
        "lender",
        "first_name"
      ],
      "subject": "Your contract is ready to read",
      "body": "Hello {{first_name}},\n\nYour contract with {{lender}} is ready to read in your account. Read it all before you sign, including the information statement. Nothing is final until you sign."
    }
  ],
  "endpoints": {
    "POST /v1/portal/account": "{brands, asAt, terms, events} — the borrower’s view of their account, from the ledger",
    "POST /v1/portal/render": "{template, variables} — a message, rendered, or why not",
    "POST /v1/portal/may-contact": "{purpose, channel, offersSmallAmountCredit, requestedByConsumer, recipient, recentSends, frequencyCap, journeyOver, onDay}"
  }
}