Terms of Use


These website terms of use outline how you are able to use our website (including subdomains) and content, as well as the other resources found on our website.

In these website terms of use, weus or our means OurMoneyMarket Holdings Pty Ltd and its wholly owned and related entities (Handypay)


If you access the website and its subdomains, you are taken to have agreed to the terms of use and our Privacy Policy. If you do not agree, you should not use the website and/or any information derived as a result of the use of the website.

General Information Only

The information contained on the website is, and should only be used as, general information only. It is not to be taken as advice. The information on the website does not take into account the particular circumstances, borrowing objectives and needs for a loan, or purport to be comprehensive or constitute advice and must not be relied upon as such.

Handypay is not liable for any loss resulting from any action taken or reliance made by you on any information or material on the website. To satisfy yourself that a loan is satisfactory for you, you should make your own inquiries and consult a financial adviser to help you form your own opinion of the information, and whether the information is suitable for your individual needs and aims.

While we take reasonable efforts to ensure that our content is accurate, current and complete, we don’t represent, warrant or guarantee its accuracy, currency or completeness (to the maximum extent permitted by law).

Warranties & Disclaimers

To the maximum extent permitted by law, we make no representations or warranties about our website or the content, including that:

  1. they are complete, accurate, reliable, up-to-date and suitable for any particular purpose;
  2. access will be uninterrupted, error-free or free from viruses; or
  3. our website will be secure.

You read, use, and act on our website and the content at your own risk.


So that you can use and access our website, we grant you a non-exclusive, royalty-free, revocable, worldwide, non-transferable licence to use our website in accordance with these terms.  All other uses of our website are prohibited unless we give you our written consent.


To use our website and our content, we expect you to abide by a certain standard of behaviour. You must not do or attempt to do anything that is unlawful, prohibited by any laws applicable to our website, anything which we would consider inappropriate, or which might bring us or our website into disrepute.

This includes:

  1. anything that would be a breach of any other person’s privacy (including if you upload personal information about an individual without their consent) or any other legal rights;
  2. using our website to defame, harass, threaten, menace or offend any person;
  3. interfering with anyone using our website;
  4. tampering with or modifying our website, knowingly transmitting viruses or other disabling features, or damaging or interfering with our website, including using trojan horses, viruses or piracy or programming routines that may damage or interfere with our website;
  5. using our website to send unsolicited email messages; or
  6. facilitating or assisting a third party to do any of the above acts.



Where you create a profile (generally only available to approved borrowers) you agree to provide accurate, current, and complete information during the registration process and update such information to keep your profile accurate, current and complete.

You are responsible for safeguarding your credentials. You agree that you will not disclose your credentials to any third party and that you will take sole responsibility for any actions or inactions undertaken in respect of your profile, whether or not you have authorised such actions or inactions. You will immediately notify us of any unauthorised use of your profile.

We recommend that you change your password on a regular basis. This will help to prevent the risk of unauthorised use of your profile.

We may suspend or terminate your profile if your use breaches any applicable law or regulation, or these terms and conditions or if any information provided during the registration process or thereafter is inaccurate, incomplete or not current.

Intellectual Property

Unless we indicate otherwise, please note that we own or licence all rights, title and interest (including intellectual property rights) in our website and all of our content. Your use of our website and your use of and access to any of our content does not grant or transfer to you any rights, title or interest in relation to our website or our content. You must not copy or use it, in whole or in part; or sell it to any third party. You must not breach any intellectual property rights connected with our website or our content, including (without limitation) altering or modifying any of our content or creating derivative works from the content.

Websites run by third parties 

Our website may contain links to websites operated by third parties. Unless we tell you otherwise, we do not control, endorse or approve, and are not responsible for, the content on those websites. We recommend that you make your own investigations to ensure those websites are suitable for you.


We may, at any time and at our discretion, vary these terms by publishing the varied terms on our website. We recommend you check our website regularly to ensure you are aware of our current terms. Content is subject to change without notice.

Suspension & Discontinuation

We make no representation or warranty that the website will be available for use by you at all times or at any particular time. We have a right to discontinue this website. This can be at any time, and may be without notice. We may also exclude any person from using our website, at any time and at our sole discretion. We are not responsible for any liability you may suffer arising from or in connection with any such discontinuance or exclusion.

Our liability is limited

To the maximum extent permitted by law, we are not responsible for any loss, damage or expense, howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent (Liability) suffered by you or any third party, arising from or in connection with your use of our website and/or the Content and/or any inaccessibility of, interruption to or outage of our website and/or any loss or corruption of data and/or the fact that the Content is incorrect, incomplete or out-of-date.

Our right to be indemnified by you

To the maximum extent permitted by law, you must indemnify us, and hold us harmless, against any liability suffered or incurred by us arising from or in connection with your use of our website or any breach of these Terms or any applicable laws by you. This indemnity is a continuing obligation, independent from the other obligations under these Terms, and continues after these Terms end. It is not necessary for us to suffer or incur any Liability before enforcing a right of indemnity under these Terms.


All figures and amounts displayed on the Website are in Australian dollars.


Use of our website and these Terms are governed by the laws of South Australia, Australia. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts operating in South Australia and any courts entitled to hear appeals from those courts and waive any right to object to proceedings being brought in those courts.

If you access our website and you are based overseas, we do not represent that our website complies with the laws (including intellectual property laws) of the country in which you reside (if you reside outside Australia). You are responsible for complying with the laws of the jurisdiction where you access our website and please note that you access our website at your own risk.


In the event that any provisions are deemed by any competent authority to be unenforceable or invalid, the relevant provision shall be modified to allow it to be enforced in line with the intention of the original text to the fullest extent permitted by applicable law. The validity and enforceability of the remaining provisions are not affected.

Providing us with testimonials

We really appreciate your feedback. If you review us, or provide us with a testimonial, you permit us to post or otherwise transmit the review or testimonial on our social media or other channels. You can email us and ask us not to do this, at any time.

Contacting Us

If you have any questions, please email us at info@handypay.com. Alternatively, you can call us on 1300 990 115.

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