Welcome to www.handypay.com.au and its subdomains (“Website”). The Website is owned and operated by OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669 trading as Handypay (referred to in this document as “Handypay”, “we”, “our”, or “us”). References to “Handypay”, “we”, “our” and “us” includes Handypay’s related entities. The term “you” or “your” ore references to the person or entity accessing or using the Website, including use for the purposes of applying for any of the loons, payment plans or using our consumer finance solutions for your business through or in connection with the Website (“Products”).
Types of Users
While we allow you to access and browse the Website anonymously, in order to register on interest in becoming a partner or applying for a loon or payment plan you will need to provide certain personal information to us to enable us to contact you (at which point you will become on “Interested User”).
In order to apply to become a partner or for a loon or payment plan, you will need to create a user profile with us (at which point you will become a “Registered User”).
Once you have submitted your request to create a user profile with us, we will ordinarily send you on email requiring you to verify the email address provided. We may refuse any request to create a user profile with us and we do not need to give reasons for doing so.
We may make varying levels of functionality available to different Users, depending on whether they ore Unregistered Users, Interested Users or Registered Users.
If you ore on Interested User or a Registered User, you:
(a) warrant that you ore 18 years of age or above;
(b) warrant that you ore properly authorised to provide Handypay with any information which you provide;
(c) agree to provide true, accurate and complete information and to keep this information up-to-dote;
(d) agree to Handypay contacting you via the personal information you provide; and
If you are a Registered User, you:
(a) must not disclose your login credentials for the Website to any other person;
(b) acknowledge that the login and password ore for your personal use only;
(c) must take reasonable core when accessing the Website to ensure that your login credentials ore not disclosed to any other person or is observed by any other person; and
(d) if you have lost you login credentials, or you have any reason to believe that someone else host access to your account, you must notify us by emailing email@example.com immediately; and
(e) must change your password on a reasonably frequent basis and each time we prompt you to do so. Handypay has no obligation to any User to assist or involve itself in any way in any dispute between Users.
General Information Only
The purpose of the Website is to provide Registered Users on online platform that facilitates loons to consumers, funded by investors who con view and select individual loons or loon pools (meaning a pre-selected collection of individual loons) they wish to be exposed to.
The information contained in 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, business or borrowing objectives and needs for a consumer finance payment solution or a loan or payment plan, 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 or our consumer finance solution is satisfactory for you and your business, you should make your own inquiries and consult a financial adviser to help you form you own opinion on the information, and whether the information is suitable for any individual needs and aims. You should consult appropriate professional advisors on any legal, stamp duty, taxation and accounting implications of utilizing our consumer finance solution for your business or borrowing any money.
Information Specific for Borrowers
Anyone wishing to apply for a loan will need to complete an application form online or over the phone. Loans will be provided to Australian consumers only.
We will then undertake a risk assessment including independently verifying the identity of any borrower or representative, shareholder, beneficiary or guarantor of a borrowing entity. You represent and warrant that you have the full authority to engage in any transaction you undertake.
Should you be approved and subsequently offered a loan or payment plan, the provision of the loan or payment plan to you will be subject to separate terms and conditions set out in the loan agreement. The loan amount, loan rate and details in relation to the loan or payment plan will be set out in the loan agreement between you (or the relevant borrowing entity) and OurMoneyMarket Lending Pty Ltd (ABN 64 605 231 669) (“OurMoneyMarket Lending trading as Handypay”), which is a subsidiary of the OurMoneyMarket Holdings ABN 30 614 872 105 and the lender of record for a loan.
Use of Website
No claim is made as to the accuracy or authenticity of the content of the Website Material or that it is useful for your particular requirements or at all.
The entire contents and design subsisting in, relating to or existing out of the Website and available through or in connection with the Website including but not limited to copyright, logos, trademarks, designs, text, graphics, images, information, applications and other files, and their selection and arrangement (“Website Content”) are the intellectual property of us, our content providers or our licensors, with all rights reserved.
You must not do anything, or omit to do anything, which may infringe these intellectual property rights, except with our express written permission. You may contact us by emailing us at firstname.lastname@example.org if you wish to seek such consent.
Unless we agree or notify otherwise in writing, you are provided with a non-exclusive licence to access the Website only for your personal use or for the purposes of:
(a) reviewing general information on the Website;
You are also provided with a non-exclusive licence to download and print a reasonable number of copies of any information contained on the Website solely for your personal use or the Permitted Use, provided that you keep all copyright or other proprietary notices intact.
When using the Website, applying for a loon or to use our consumer finance solution for your business, you may be able to submit or upload certain data, information and materials (“User Information”) to the Website (for example, personal and financial information). We are not responsible for the User Information. If you believe that there is a problem with any of the User Information, please notify us immediately.
If you choose to submit any User Information, you must be legally entitled to do so. In particular, any User Information must not and you warrant that it does not:
(a) deceive or be likely to deceive any person;
(b) be used to impersonate any person (including Handypay or its representatives);
(c) misrepresent your identity or affiliation with any person
(d) be illegal or encourage conduct that would be considered a criminal offence, could give rise to civil liability, or violate any low; or
(e) advertise any product or service or solicit any business.
You acknowledge and agree that we may edit or delete any of your User Information, or format it in a particular way.
By submitting the User Information you grant us an irrevocable, perpetual, non-exclusive, royalty-free, transferable, sub-licensable, worldwide licence to use, copy and modify the User Information (in whole or in part). You also waive any and all moral rights (as the term is defined in Part IX of the Copyright Act 1968 (Cth)) you may have in respect of the User Information and consent to any act or omission the doing or not doing of which infringe such moral rights, in both cases in favour of Handypay, its licensees and successors in title.
You must not, whether as part of the User Information or otherwise, communicate any computer viruses or other malicious computer code to us or any other User. You must not interfere with the Website or any of its associated hardware or software.
Suspension of Service
Handypay makes no and expressly disclaims any representation or warranty that the Website will be available for use by you at all times or at any particular time, during and for the duration of any particular transaction or at all.
If the Website is interrupted for any reason during when a transaction is being made (whether by way of suspension by Handypay or otherwise)
Handypay may, but is not obliged to, declare the transaction void. Handypay may from time to time suspend the provision of the Website. Handypay may also from time to time suspend access to the Website.
Where possible, Handypay will notify you in advance of the time and duration of any suspension of the Website, but do not represent or warrant that it will do so on every occasion, on any particular occasion or any occasion at all.
Links to References to Other Websites
Acceptance of Risk and Release from Liability
We do not accept any liability to you or any other person for the Products or information (or the use of such Products or information), which is provided on the Website or incorporated into it by reference. The information on the Website is provided on the basis that all persons accessing the Website undertake responsibility for assessing the relevance and accuracy of its content before relying on that information.
You are wholly responsible for your use of the Website and you use the Website at your own risk. You acknowledge that we are not responsible for, and accept no liability in relation to, your use of the Website or your conduct in connection with the Website in any circumstance.
The information contained in the Website is not to be displayed, except in full screen format. No liability is accepted for any information or services, which may appear in any other format.
Otherwise, to the maximum extent permitted by law, neither Handypay nor any of its officers, directors, employees, contractors, agents, information providers, suppliers, associated entities or clients will be liable for any loss, damage, cost or expense (including any indirect or consequential loss or damage) to any person or entity, however caused (whether by negligence or otherwise), which may arise directly or indirectly in respect of any error, omission or misrepresentation in any information or material provided on the Website or otherwise as a result of or in connection with the use of the Website or any information or material provided on or through the Website.
When using the Website, you must not:
- infringe any intellectual property right of any person or be in breach of any legal duty owed to any person, such as a contractual duty or a duty of confidence;
- reproduce or adapt any part of the Website, Website Material or Website Content without our express written permission, which we may grant or withhold at our absolute discretion;
- seek reimbursement from any other party for access to the Website, sell or on-sell any part of the Website Material, Website Content or any information obtained from the Website;
- engage in any conduct which is likely to mislead or deceive us or any other person, impersonate any other person while using the Website, conduct yourself in an offensive manner while using the Website, or use the Website for any illegal, immoral or harmful purpose;
We will use our reasonable endeavours to minimize viruses and bugs from infiltrating the Website, however, due to the nature of the internet, the Website may be affected by viruses or bugs from time to time. You must take your own precautions to ensure that the process which you employ for accessing the Website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage you own computer system.
We do not accept responsibility for any interference or damage to your own computer system which arises in connection with your use of the Website or any linked third party website.
Although the Website may be accessed throughout Australia and overseas, Handypay makes no representation that the content provided by the Website complies with the laws (including intellectual property laws) of any country outside Australia. If you access the Website from outside Australia, you do so at your own risk and are responsible for ensuring that your access to the Website is not illegal or prohibited by laws which apply to you.
Termination of Access
Handypay reserves the right to refuse or terminate your registration at any time and on our discretion, including, for example if:
(a) you register in a fraudulent or illegal manner;
(c) Handypay considers it necessary to comply with any requirements of the low;
(d) Handypay considers that you are using the services provided on the Website in on inappropriate manner; or
(e) you are already a Registered User.
You may cease to be a Registered User by notice in writing to Handypay, provided that:
(a) if you are a partner; or
(b) if you are a borrower, you do not have any loons or other amounts outstanding.
(b) you must destroy or delete any copy of any information collected from the Website you have in your possession or under your control.
All figures and amounts displayed on the Website ore in Australian dollars.