Website Terms of Use

1. About us

Fix My Credit File Australia is a trading name of Jade Heather Taylor (ABN 36 251 153 231), Australian Credit Licence 538261.

Contact: freedom@fixmycreditfileaustralia.com.au | 0418 519 871

2. General information only — not advice

The content on this Website is provided for general information only. It is not:

• legal advice;
• financial advice;
• tax advice; or
• a substitute for obtaining independent professional advice.

You should consider whether the information is appropriate for your circumstances and seek independent advice where needed.

3. Our services (summary)

We provide debt management services and credit reporting assistance. We may assist with disputing or requesting correction of credit reporting information with credit reporting bodies (CRBs) and/or credit providers/creditors.

We do not:

• provide legal representation;
• provide credit, act as a lender, or provide finance broking;
• recommend specific credit contracts; or
• assist with credit applications.

Any engagement for paid services is governed by our Services Agreement and related documents.

4. No guarantee of outcomes

We do not guarantee any particular outcome, including that:

• a listing will be removed or corrected; or
• your credit score will improve.

Outcomes depend on the facts of your situation and the decisions and actions of third parties (including CRBs and credit providers).

5. Accuracy of information

We take reasonable steps to keep Website content accurate and current, however:

• information may change over time;
• some content may be generalised; and
• the Website may contain errors or omissions.

To the maximum extent permitted by law, we do not warrant that the Website content is complete, accurate or suitable for your purposes.

6. Links to third-party websites

The Website may contain links to third-party websites. We do not control those websites and are not responsible for their content, availability, privacy practices, or any loss you suffer from using them.

A link does not imply endorsement.

7. Acceptable use

You must not:

• use the Website in breach of any law;
• interfere with the security or functionality of the Website;
• introduce malicious code (including viruses or malware);
• attempt to gain unauthorised access to systems or data; or
• use the Website to send unsolicited communications or spam.

We may restrict or block access to the Website if we reasonably suspect misuse.

8. Intellectual property

Unless otherwise indicated, we own (or license) all intellectual property rights in the Website and its content (including text, graphics, logos and documents).

You may view and print pages for personal use only. You must not reproduce, publish, distribute or exploit Website content for commercial purposes without our prior written consent.

9. Availability of the Website

We do not guarantee that the Website will be available at all times. We may suspend, withdraw, or change the Website (or any part of it) without notice.

10. Limitation of liability

To the maximum extent permitted by law:

• we exclude liability for loss arising from your use of, or reliance on, the Website or its content; and
• we are not liable for indirect or consequential loss, including loss of profits, business interruption, or loss of data.

Nothing in these Terms excludes or limits any rights or remedies you may have under the Australian Consumer Law or other laws that cannot be excluded.

11. Privacy

Our handling of personal information is governed by our Privacy Policy.

12. Changes to these Terms

We may update these Terms of Use from time to time. The updated version will be published on the Website with a new effective date.

13. Governing law

These Terms of Use are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland.

14. Contact

If you have questions about these Terms, contact: