Terms of Service

1. Introduction

Welcome to Freedom Credit. These Terms of Service govern your use of our services, website, and other offerings provided by Freedom Credit ('we', 'our', or 'us'). By accessing or using our services, you agree to be bound by these Terms.

2. Definitions

In these Terms:

• 'Services' refers to any credit products, financial solutions, or related offerings provided by Freedom Credit
• 'User', 'you', or 'your' refers to any individual or entity using our Services
• 'Agreement' refers to the contractual relationship between you and Freedom Credit
• 'Website' refers to freedomcredit.com.au and all associated digital platforms

3. Service Eligibility

To be eligible to use our services, you must:

• Be at least 18 years of age
• Be a resident of Australia
• Have the legal capacity to enter into a binding contract
• Provide accurate, current, and complete information as required during the application process
• Meet our credit assessment criteria

4. Service Application

When applying for our services:

• You must provide truthful, accurate, and complete information
• We reserve the right to verify the information you provide
• We may request additional documentation to support your application
• Approval for services is subject to our assessment and discretion
• We comply with responsible lending obligations under the National Consumer Credit Protection Act

5. Fees and Charges

Our services may include fees and charges as outlined in your credit contract and financial disclosure documents. By accepting our services, you agree to pay all applicable fees and charges, which may include:

• Application fees
• Account service fees
• Interest charges
• Late payment fees
• Default charges

All fees will be clearly disclosed prior to you entering into an agreement with us and in accordance with Australian consumer credit laws.

6. Repayments

When using our credit services:

• You agree to make repayments in accordance with the agreed schedule
• You are responsible for ensuring sufficient funds are available for scheduled payments
• Failure to make repayments may result in additional fees and negative impacts on your credit score
• You may make additional repayments or pay out your balance early in accordance with your contract terms

7. Financial Hardship

If you experience financial hardship that affects your ability to meet your payment obligations, please contact us promptly. We have processes in place to assist customers facing financial difficulties in accordance with regulatory requirements and our commitment to responsible lending.

8. Website Use

When using our website, you agree to:

• Not attempt to gain unauthorized access to any part of our systems
• Not engage in any activity that disrupts or interferes with our services
• Not use our services for any illegal or unauthorized purpose
• Not transmit any viruses, malware, or other malicious code
• Respect the intellectual property rights displayed on or accessible through our website

9. Intellectual Property

All content, features, and functionality of our website, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of Freedom Credit and are protected by Australian and international copyright, trademark, and other intellectual property laws.

10. Privacy

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Limitation of Liability

To the maximum extent permitted by law, Freedom Credit:

• Excludes all implied conditions and warranties
• Is not liable for any indirect, special, or consequential loss
• Limits its liability for breach of any non-excludable guarantee to resupplying the service or paying the cost of having the service resupplied

Nothing in these Terms is intended to exclude, restrict, or modify rights that you may have under the Australian Consumer Law.

12. Dispute Resolution

If you have a complaint, please contact us first to try to resolve the issue. If you are not satisfied with our response, you may be entitled to lodge a complaint with the Australian Financial Complaints Authority (AFCA), a free and independent dispute resolution service.

13. Changes to Terms

We may modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services following any changes indicates your acceptance of the modified Terms.

14. Governing Law

These Terms are governed by the laws of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts in that State and any applicable Commonwealth courts.

15. Contact Information

If you have any questions about these Terms, please contact us at: