These terms of service (Terms) govern your use of EasyPayd Pty Ltd ACN 655 241 080 (referred to as "we", "us" or "EasyPayd") Products & Services.

1. Binding Agreement

By creating an account with EasyPayd via our App or Website and accessing or using our Products & Services, you are deemed to have read, accepted and be bound by these Terms.

Please be aware that we may change these Terms from time to time. We will only contact you regarding changes (excluding changes required by any laws or regulations) to these Terms as follows:

• if we make material changes to our Terms, including to introduce new fees or make changes to existing fees, we will provide you with personal notice and seek your consent prior to implementing those changes. If you do not agree to these changes, once your loan/s has been completed, then you may cease the use of our Products & Services without penalty prior to the amendments being implemented; and


• if we make non-material changes to our Terms, we will provide you with 30 days’ notice prior to the implementation of the changes.

For the avoidance of doubt, we may make changes to our Terms in order to comply with any laws or regulations immediately without seeking your consent and without giving you any prior notice.

2. Our Products & Services

We may aggregate financial, location and related information from one or more Linked Services, using Authentication Information provided by you, to retrieve Account Information from each Linked Service.

The information provided by our Products & Services is information provided by you, through our Linked Services, and may be combined with some further analysis of such information. Our Products & Services are not intended as legal, tax or financial advice, nor as an offer or recommendation for financial services or other products, and you are prohibited from relying on them for these or any other purposes.

Please be aware that we may make certain changes to our Products & Services which do not require any corresponding changes to our Terms. In these circumstances, we may not give you any notice (for example where a change is immaterial and does not affect the overall functionality of our Products & Services).

References to Linked Services, including the display of their trademarks, may appear on our Website, on our App or in third-party services incorporating our Products & Services. Any such references do not imply endorsement by or of the Linked Service. Your use of any Linked Services accessed through EasyPayd is at your own risk.

In order to access and use our Products & Services, you will need a compatible mobile device, tablet or computer, compatible software, and internet access.

We will use our best efforts to maintain the reliability of our Products & Services. However, they are provided on an ‘as is’ basis and we do not guarantee that our Products & Services will be error-free. Additionally, we cannot guarantee the accuracy, availability, continuity, and completeness of our Products & Services, as this can be affected by a variety of factors outside of our control.

3. Paid Services

We provide some of our Products & Services free of charge. However, where indicated either at registration, within the App or on our Website, we also provide Paid Services.

If we provide you with a Paid Service, we will enter into a separate agreement with you to do so.

4. Referral Arrangements

We use various channels to market our Products & Services to you, including through various third parties. We may enter into referral arrangements with third parties for this purpose. The referral arrangements we enter into may involve us paying referral fees or commissions to third parties for referring you to EasyPayd’s website or mobile application. The basis on which we may pay referral fees or commissions varies but may include payment of referral fees or commissions on a “per clients basis”, “per transaction basis”, a "per click" basis and/or a "per installation" basis.

By agreeing to these Terms, you consent to EasyPayd entering into referral arrangements with third parties that may involve the payment of referral fees or commissions to those third parties.

5. Your Information

We will handle your Personal Information in accordance with our Privacy Policy, which is accessible here. These Terms should be read together with our Privacy Policy.

To provide you with access to and use of our Products & Services, you authorise us to collect and use information about you maintained by third parties (such as your bank or other services that you have signed up with), in accordance with our Privacy Policy.

6. Your Rights

You may access and use our Products & Services free of charge (this excludes our Paid Services).

We grant you a non-exclusive, personal, non-transferable, revocable license to access and use our Products & Services in accordance with these Terms. We do not assign any ownership rights, intellectual property rights or any other implied rights (including resale rights) relating to our Products & Services to you or any other person. Your EasyPayd account is provided for your personal use only. You may not transfer or assign your account or usage rights to a third party.

You can unsubscribe from non-essential service email notifications at any time.

You can delete your EasyPayd account and uninstall our App from your device(s) at any time.

7. Your Responsibilities

You agree to:

• only access and use our Products & Services for lawful purposes;


• ensure your details used to create an account with EasyPayd are true and accurate, and update them if they change;


• assume all responsibility for your access to and use of our Products & Services and for any outcomes arising from their use;


• lenders must perform your own assessment on a potential buyer. Information provided by EasyPayd is based on external data and allows lenders to make their own informed deductions regarding borrowers suitability for a loan.


• EasyPayd does not accept any responsibility for loans funded by a lender


• at our discretion, your registered email address and/or mobile number being used by us as the primary means of verifying your identity (including for password resets);


• set strong passcodes/passwords to the devices and accounts used to access our Products & Services, and to keep these strictly confidential to avoid unauthorised access to your EasyPayd account;


• notify us promptly upon becoming aware of any unauthorised access to or use of your EasyPayd account or our Products & Services; and


• comply with our reasonable directions in connection with your use of our Products & Services.

You agree that you will not:

• do anything that interferes with or infringes our (or our licensors’, affiliates’ or partners’) intellectual property rights in the Content;


• copy or duplicate our Products & Services or any substantial part thereof, including the look and feel, without our prior written consent, except for ‘fair dealing’ or as otherwise permitted under the Copyright Act 1968(Cth);


• directly or indirectly reverse-engineer, decompile, recreate or otherwise obtain any of the software making up our Products & Services;


• use our public APIs except via our official client software (commercial use of our public APIs is not covered by these Terms). If you would like more information about using our APIs in your software, please contact us in accordance with clause 14;


• intentionally cause excessive load on our systems or servers, or interfere with the normal operation of other services;


• use our Products & Services in a way that infringes the rights or privacy of other people;


• use our Products & Services to connect to a Linked Service that you are not legally authorized to access; or


• use our Products & Services in a way that you know or reasonably suspect might cause damage to us or a third party.

8. Our Rights

• With your authorisation, we may use and store your Personal Information which we collect from you or third parties in accordance with our Privacy Policy, in order to provide our Products & Services to you (as well as improve and develop our Products & Services). We will treat any Personal Information strictly in accordance with our Privacy Policy.


• You acknowledge that any intellectual property right or interest in our Products & Services and Content belongs to us, our licensors, affiliates or partners.

9. Suspension of Use of Products & Services and Termination of Account

We may immediately suspend your access to or use of our Products & Services, or cancel your EasyPayd account if we determine that:

• you have breached these Terms;


• in using our Products & Services, you have contravened any laws or regulations;


• you are using our Products & Services in an inappropriate manner or not for their reasonably intended purpose;


• your conduct detrimentally impacts (or is reasonably likely to detrimentally impact) our good name or reputation;


• your conduct causes (or is reasonably likely to cause) harm to us or a third party, indirectly or directly.



If we determine it is necessary to suspend your access to or use of our Products & Services or cancel your EasyPayd account for any of the reasons above, we will provide you with personal notice outlining the reason and the effective date and length of the suspension. We will endeavour to give you personal notice prior to the suspension taking effect, however where it is not practicable to do so we will provide you with personal notice as soon as reasonably practicable after the fact.

We may also suspend your access to or use of our Products & Services, or cancel your EasyPayd account if we are unable to contact you or you do not use your account for an extended period of time (generally 365 day consecutive days). In this case, we will give you personal notice within a reasonable time prior to the suspension taking effect.

10. Service Outage

From time to time, our Products & Services may experience interruptions for a variety of reasons, including:

• periodic updates, maintenance or repair;
• system failure or network failure;
• software or hardware malfunction; or
• emergencies, such as a natural disaster or a serious accident.

We will provide advance notification where we are able to plan or anticipate these interruptions, however, this may not always be the case. If we are not able to notify you before the interruption, we will notify you as soon as reasonably practicable after the fact.

11. Payment Services

EasyPayd utilises the services of digital payment solutions provider, Zai Australia Pty Ltd (ABN 96 637 632645), to procure the payment of loan funds to you. Zai's website can be found here.

12. Limitation of Liability

To the fullest extent permitted by law, we exclude all liability owing to you and all third parties for any special, indirect, consequential or incidental costs, losses, expenses and damages of any kind, including lost profits, loss or corruption of data, loss of goodwill, loss of bargain or opportunity, loss of anticipated savings or any other analogous losses of any kind incurred in any way (including negligence) arising out of or in connection with the use of, access to or any reliance on our Products & Services.

To the extent permitted by law, you indemnify and hold harmless EasyPayd from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) suffered or incurred from or in connection with:

• your access to, use of and any reliance on our Products & Services (including any third party that accesses our Products & Services using your EasyPayd account);


• breach by you of these Terms;


• a claim that any use of our Products & Services by you (other than in accordance with these Terms) infringes any intellectual property rights of any third party, or any privacy right or otherwise results in injury or damage to any third party; or


• any deletions, additions, insertions, or alterations to, or any unauthorised use of, our Products & Services by you

13. Notices and Communications

(a) How we will communicate with you

To the fullest extent permitted by law, we exclude all liability owing to you and all third parties for any special, indirect, consequential or incidental costs, losses, expenses and damages of any kind, including lost profits, loss or corruption of data, loss of goodwill, loss of bargain or opportunity, loss of anticipated savings or any other analogous losses of any kind incurred in any way (including negligence) arising out of or in connection with the use of, access to or any reliance on our Products & Services.

(b) Personal Notice

If these Terms require us to give you personal notice, we may give you that notice by sending it to you via electronic methods of communication using contact details listed on your EasyPayd account (including email and text messages). Service of personal notice is taken to be effective from 5pm the day after it is sent, unless we receive notification that delivery of the relevant email has failed.

14. Governing Law & Jurisdiction

These Terms and all aspects of your use of our Products & Services are governed by the laws of the state of New South Wales (Australia). You agree to notify us as soon as reasonably possible about any claim or dispute concerning or relating to these Terms or our Products & Services using the contact details set out in clause 15 below.

15. Contact Us

If you would like to contact us, you can email us at info@easypayd.com or from the contact form on our website.