| |
1. |
Q. I don't know anything
about computers. Can it really be this easy?
A. Yes - Virtual Communities takes
care of everything for you, from setting up your computer to
organising your email address.
|
| |
2. |
Q. What happens to my repayments
if there is a rise in interest rates?
A. Nothing - they are fixed for
the length of your loan.
|
| |
3. |
Q. Do I need a separate
phone line for my dial-up internet connection?
A. No - your phone and modem can share the same line.
|
| |
4. |
Q. Can I upgrade my PC at
any time?
A. Yes, we offer discounts when
you upgrade your computer with Virtual Communities.
|
| |
5. |
Q. What happens to my internet
once I have paid off my computer?
A. You can continue your internet,
a Virtual Communities consultant will contact you before your
internet service runs out.
|
| |
6. |
Q. How much do you charge
for delivery?
A. Delivery charge for computers
is $89.
|
| |
7. |
Q. Is installation included?
A. Yes. You will receive a voucher
in the box your computer arrives in which entitles you to free
installation with our partner organisation Quicknowledge.
|
| |
8. |
Q. What is the interest
rate?
A. The interest rate is
12.99%
p.a.* (Comparison rate is
17.16%
p.a.^).
|
| |
9. |
Q. How long is the loan
term?
A. The loan term is 3.5 years.
|
| |
10. |
Q. Can I pay out the loan
early?
A. Yes
|
| |
11. |
Q. Are there
any penalties for paying the loan out early?
A. No
|
| |
12. |
Q. How can I buy the computer?
A. You can choose to pay for the package in the following ways:
1. Completely upfront
2. By taking out a low-cost loan for 3 1/2 years organised for you
through Members Equity.
3. You may be eligible to salary sacrifice a laptop computer through a
one-off deduction from your pay.
|
| |
13. |
Q. I don't know how to use a computer or the Internet, is there any training?
A. The Virtual Communities offer comes with the following:
1. Free installation including internet connection to
ensure you're ready to go when the PC is delivered
2. 30 days free help desk for any of your queries
|
| |
14. |
Q. Do I own the computer outright?
A. Yes you own the computer whether you purchase outright or via the
financing arrangements.
|
| |
15. |
Q. When do I get my computer?
A. Once your order is approved we will contact you to schedule a
delivery.
|
| |
16. |
Q. How many computers can I purchase?
A. In general there is no limit. However, under salary sacrifice
arrangements the offer is limited to one laptop per staff member in a 12
month period.
|
| |
17. |
Q. Am I locked in for the full 3 1/2 years once I sign up?
A. Yes, once you have signed up you can't cancel the arrangement.
However, you can make a one-off repayment of the full amount outstanding
within this time.
|
| |
18. |
Q. Do I have to arrange insurance?
A. Yes, the insurance for the computer at home is your responsibility.
|
| |
|
|
