Self Service Area Terms & Conditions

Self Service Area Terms & Conditions

Before you can register to use the Self Service Area, you must read, accept and agree to be bound by these Self Service Area Terms and Conditions.

By registering for and accessing or using the Self Service Area, you acknowledge that you have read, accepted and agreed to be bound by the Self Service Area Terms and Conditions, as updated from time to time.

You acknowledge and agree that your access to, and use of, the Self Service Area, including the Live Chat facility, is on an ‘as is, as available’ basis. Credit Corp makes no representation and provides no express or implied warranty or guarantee about the security of the site or the Live Chat facility and it is not liable to you for your failure to access and otherwise use the Self Service Area.

The Self Service Area Terms and Conditions explain our obligations and your obligations in any dealings and transactions you have with us through the Self Service Area.  The Self Service Area allows you to manage your Account online using your computer, mobile phone or tablet. 

If you have any questions regarding our Self Service Area, you can contact the Credit Corp Self Service Team by:

Email selfservice@creditcorp.com.au

Phone 1300 798 350 or 02 8016 0758

Website www.creditcorp.com.au

Mail GPO Box 4475 Sydney 2001

To report suspected unauthorised access or a security breach to your Self Service Area please call our Self Service Team on 1300 798 350 or 02 8016 0758 (if calling from overseas) between 8:30am to 5pm on Business Days.

 

GLOSSARY

Account refers to an account with Credit Corp relating to a debt owed by an Account Holder that has been assigned to Credit Corp.

Account Holder refers to an individual who owes a debt that has been assigned to Credit Corp.

Authorised Representative refers to an individual who has been authorised by an Account Holder pursuant to a Letter of Authority to act on behalf of the Account Holder.

Banking Day refers to a day on which financial institutions are open for business to the public.

Business Day refers to an official working day of the week, and generally refers to the days between and including Monday to Friday and excludes public holidays.

Credit Corp refers to Credit Corp Services Pty Limited (ACN 082 928 872), Credit Corp Receivables Pty Limited (ACN 124 447 463) and/or Credit Corp Recoveries Pty Limited (ACN 122 556 665).

Credit Corp Website Terms and Conditions refers to the terms and conditions relating to the use of Credit Corp’s website, which can be found at https://www.creditcorp.com.au/customers/terms-conditions/

Live Chat refers to the live chat facility available in the Self Service Area.

Live Chat Terms of Use refers to the Live Chat Terms of Use as set out in the Credit Corp Website Terms and Conditions found at https://www.creditcorp.com.au/customers/terms-conditions/.

Self Service Area Terms and Conditions refers to these terms and conditions.

We’, ‘us’ and ‘our’ refers to Credit Corp.

You’ and ‘your’ refers to an individual who has registered an account on the Self Service Area.

 

Section A – Features and Benefits of the Self Service Area

This section provides you with information about the features and benefits of our Self Service Area.

Understanding your Account

  •         See all your Accounts in one place
  •         Check the balance of an Account
  •         View transaction information
  •         View Account information, including your personal information
  •         View details of current and prior payment arrangements
  •         View upcoming scheduled payments
  •         Calculate and compare payment arrangements
  •         View previous correspondence received from Credit Corp.

Paying your Account

  •         View offers available in relation to your Account
  •         Accept offers available in relation to your Account
  •         Request to enter into payment arrangements and receive a response online.
  •         Set up payment arrangements
  •         Make an immediate payment
  •         View details of payments
  •         Request variations to  payment arrangements

Services

  •         View and update personal and  contact details
  •         Compare various payment arrangement scenarios
  •         Request to link additional Credit Corp Accounts
  •         View Credit Corp contact information
  •         Chat online with Credit Corp via Live Chat

 

Not all features and benefits of the Self Service Area are available for all Accounts. Credit Corp reserves the right to restrict access to some or all of the features and benefits of the Self Service Area on some Accounts.  For information relating to access to the Self Service Area please contact Credit Corp’s dedicated Self Service Team on 1300 798 350.

 

Section B – Self Service Area Terms & Conditions 

Terms & Conditions

1. The Self Service Area Terms and Conditions (https://creditcorp.com.au/customers/self-service-area-terms-conditions/) together with the Credit Corp Website Terms and Conditions (https://www.creditcorp.com.au/customers/terms-conditions/) govern your use of the Self Service Area. By using the Self Service Area you accept both the Self Service Area Terms and Conditions and the Credit Corp Website Terms and Conditions.

2. Access to the Self Service Area is free of charge.  You must only use the Self Service Area to access information in relation to and manage your Account with Credit Corp in accordance with the Self Service Area Terms and Conditions and the Credit Corp Website Terms and Conditions.

3 Getting Started

3.1.   As an Account Holder, you can register to use the Self Service Area online at www.creditcorp.com.au/selfservice.

3.2.    Not all Accounts are eligible to register for the Self Service Area. If your Account is not eligible, we will let you know during the registration process.

3.3.   If your Account is eligible to be registered for the Self Service Area, to complete the registration process you will need to provide us with the following information:

(a)    your Credit Corp Account Reference Number, which can be found in all correspondence you have received from us. If you do not have a Credit Corp Account Reference Number, please contact us;

(b)    a nominated email address – you must provide us with a different email address for each Self Service Area registration; and

(c)    an Australian mobile phone number.

We will handle your personal information in accordance with the Credit Corp Privacy Policy which can be found at: https://www.creditcorp.com.au/customers/privacy/.

3.4.  When you register for the Self Service Area, you will be required to create a username and password.

3.5.  If you hold more than one Account, you have the option of linking all Accounts which areeligible to be registered for the Self Service Area, once you have successfully registered for the Self Service Area.

4 Login

4.1.   To login to the Self Service Area you will need to enter your username and password, or your Credit Corp Account Reference Number and password.

4.2.   We may at any time ask you to confirm your personal information and contact details as part of the login process.

5 Electronic Equipment

5.1.   The Self Service Area offers a browser based service for desktop and mobile devices (for compatible browsers).

5.2.   The availability, functionality and ability to use and access electronic equipment required to use the Self Service Area is your responsibility and not the responsibility of Credit Corp.

5.3.   Credit Corp is not liable to you or any third party if interference with or damage to any electronic equipment occurs in connection with your use of the Self Service Area. You must take your own precautions to ensure that any electronic equipment used by you to access the Self Service Area is protected against viruses or anything else that may interfere with or damage the operation of your electronic equipment.

6 Third Party Usage

6.1.   An Account Holder may nominate an Authorised Representative to access the Self Service Area on their behalf.

6.2.   An Authorised Representative can only be nominated by the Account Holder by completing and submitting to Credit Corp a Letter of Authority which can be obtained by contacting Credit Corp.

6.3.   Only the registered Account Holder and any Authorised Representative is authorised to access the Self Service Area using the username and password registered with us and it is their responsibility to ensure that these login details are protected and not shared with other parties. Credit Corp is not liable to you or anyone else for any loss suffered directly or indirectly in connection with any unauthorised access to the Self Service Area as a result of your failure (or that of your Authorised Representative) to keep the Self Service Area Account login details secure.

6.4.   The Authorised Representative will have unrestricted access to all information and functionality which is accessible using the Self Service Area including the Account Holder’s personal information and payment information and have the ability to manage any payment plans on behalf of the Account Holder.

6.5.   All actions, instructions or transactions performed by an Authorised Representative using the Self Service Area will be binding on the Account Holder.

7  Joint Accounts

7.1.   The Self Service Area is currently not available for Accounts which are jointly held by more than one liable party.

8 Credit Corp’s Authority

8.1.   You authorise Credit Corp to allow any transaction and to act on any instructions and information received by us through the Self Service Area. You are bound by any payment plans that are agreed between you (or your Authorised Representative) and Credit Corp through the Self Service Area.

8.2.   If you believe a transaction is wrong or unauthorised, you should contact the Self Service Area Team immediately.

9      Payment Arrangement

9.1.   Depending on the status of your Account, you may use the Self Service Area to view and respond to offers available in relation to your Account.

9.2.   You may use the Self Service Area to submit a proposal to:

 (a) finalise your Account by entering into a payment arrangement;

(b) finalise your Account by way of a one-off lump sum settlement payment; or

(c) change your current payment arrangement.

You are not able to cancel a current payment arrangement through the Self Service Area. If you wish to discuss further options in relation to your payment arrangement you will need to contact Credit Corp.

9.3.   The matters referred to in clauses 9.2(a)-(c) are subject to approval by Credit Corp. Credit Corp will consider all proposals and reserves the right to request further information regarding the circumstances of the proposal before advising you whether or not the proposal is accepted.

9.4.   Where Credit Corp accepts a proposal for a payment arrangement you must follow our instructions to implement the agreed terms of the payment arrangement. If you fail to follow our instructions we may cancel the payment arrangement. 

9.5.   You acknowledge that if you have nominated an Authorised Representative, that person will be able to use the Self Service Area to authorise payments in relation to the Account(s) using the Self Service Area.

9.6.   You and any Authorised Representative are solely responsible for providing correct payment details including amount and payee details. Credit Corp is not liable to you or anyone else for any loss or damage suffered directly or indirectly as a result of Credit Corp acting on any instructions provided by you or an Authorised Representative.

9.7.   Payment instructions submitted through the Self Service Area after 5pm may not be processed until the next Business or Banking Day depending on the payment method. It is your responsibility to submit any payment instructions through the Self Service Area before 5pm to ensure that payments are received by us in accordance with the terms of any payment arrangement.

9.8.   Any scheduled or recurring payments that have been established with a financial institution will not be automatically cancelled if your access to the Self Service Area is terminated or restricted. It is your responsibility to ensure that any such scheduled or recurring payments are cancelled or varied as appropriate.   

10   Currency of Information

10.1. Unless stated otherwise, any references to time in the Self Service Area Terms and Conditions or the display of the time and date in the Self Service Area refers to Australian Eastern Standard Time (or Australian Eastern Daylight Time, depending on the date).

10.2. Credit Corp monitors the quality of the information available on and accessible through the Self Service Area and updates the information regularly. However Credit Corp does not guarantee and accepts no liability whatsoever arising from or connected to the accuracy, reliability, currency or completeness of the information available on or accessible through the Self Service Area or the Credit Corp website. Credit Corp recommends that you exercise your skill and care with respect to the use of the Self Service Area and that you consider the accuracy, currency, completeness and relevance of the information available on and accessible through the Self Service Area. You are requested to contact the Credit Corp Self Service Team on 1300 798 350 if you believe the information is not accurate, current, complete or relevant.

11   Statements

Eligible Account Holders may access statements through the Self Service Area

12   Liability and Indemnity

12.1. You agree that Credit Corp will not be liable to you for any loss or damage whatsoever that you suffer or may suffer that arises directly or indirectly from:

(a)    your use or inability to use the Self Service Area;

(b)    unauthorised access to or alterations to your data;

(c)    activities resulting from the loss or misuse of your username and/or password;

(d)    any attempt to use the Self Service Area site without authorisation; or

(e)    any other matter relating to the Self Service Area or site.

12.2 You agree to indemnify and hold harmless Credit Corp from and against any loss, damage, cost, expense, claim, proceeding or liability of any kind that Credit Corp may incur to any third party that arises directly or indirectly from:

(a)    your breach of the Self Service Area Terms and Conditions; or

(b)    your use of the Self Service Area site and your activities in connection with the site, except to the extent that any such loss, damage, cost, expense, claim, proceeding or liability arises solely from any act or omission involving negligence or wilful default by Credit Corp.

13 Suspension and Termination

13.1.  Credit Corp may immediately suspend or terminate your access to the Self Service Area where we reasonably believe that:

(a)    you have breached any of the Self Service Area Terms and Conditions; or

(b)    you have breached any of the Credot Corp Wesbite Terms and Conditions; or

(b) there is a risk of fraud or a security breach.

13.2. Credit Corp may also suspend or terminate your access to the Self Service Area for its own reasons and without any fault on your part provided that we will attempt to give you  notice prior to such suspension or termination.

13.3. The suspension or termination of your access to the Self Service Area will not affect your liability and obligations in relation to your Account or any arrangement with us existing at the time of such suspension, restriction or termination.

13.4. If you wish to cancel your registration in relation to the Self Service Area, please contact the Self Service Team on 1300 798 350.

14 Restricted Access

14.1. Your Account may be subject to a restricted view in the Self Service Area. Credit Corp reserves the right to restrict the Self Service Area features available at any time. Where access to the Self Service Area is restricted, the Account Holder may contact Credit Corp to discuss the restriction. Contact can be made via any method listed on the Self Service Area Contact Us page.

14.2. Any restriction to the Self Service Area will not affect your liability and obligations in relation to your Account or any arrangement with us existing at the time of such restriction.

15 Login details, passwords and SMS PINs

15.1. You must ensure that your login details, including your password and SMS PIN, are kept secure.

15.2. You must not disclose your login details, password or SMS PIN to anyone, except if required or permitted by us.

15.3.  If you enter your password incorrectly 3 consecutive times, your Self Service Area access may be temporarily blocked. Instructions to regain access will be provided to you. If you experience any issues please contact the Credit Corp Self Service Team on 1300 798 350.

15.4. If you suspect the security of your login details, including your password or SMS PIN, have been compromised, please contact the Credit Corp Self Service Team on 1300 798 350 as soon as possible.

15.5. The obligations in this clause also apply to your Authorised Representative.

16 Privacy and Confidentiality

16.1.  Credit Corp’s Privacy Policy explains our commitment to the protection of your personal information. You may obtain a copy of the Credit Corp Privacy Policy on our website: https://www.creditcorp.com.au/customers/privacy/

17 Updating Your Contact Details

17.1. You agree to keep your contact details, including your email address, up to date.

17.2. The email address you provide is also your Self Service Area username. You may update your email address at any time via the Contact Details page in the Self Service Area or by contacting the Credit Corp Self Service Team on 1300 798 350.

17.3. We may use your mobile phone number to send SMS codes and any information relevant to the Self Service Area and/or your Account(s). You may update your mobile phone number at any time via the Contact Details page in the Self Service Area or by contacting the Credit Corp Self Service Team on 1300 798 350.

17.4. You may provide additional contact information via the Self Service Area. Any contact information provided can be used by Credit Corp for any purpose outlined in accordance with the Credit Corp Privacy Policy.

18 Security

Credit Corp is dedicated to ensuring the security of communications and transactions which take place over the internet. Our Self Service Area has been designed in conjunction with external IT security experts, and includes the following features:

(a)    an authentication process to protect your privacy;

(b)    encryption of information transmitted between you and Credit Corp using industry standard 128-bit SSL encryption technology. This is the current security standard used by most banks in Australia to protect their customers using internet banking; and

(c)    firewall technology to protect Credit Corp’s internal systems and your information against unauthorised access over the internet.

19 Governing Law

19.1       The Self Service Area Terms and Conditions are governed by and subject to the laws applicable in New South Wales, Australia, regardless of the location of the user, and any claims related thereto must be filed in the courts located in New South Wales, Australia.

20 Amendment

20.1       Credit Corp reserves the right to revise, update and amend the Self Service Area Terms and Conditions at any time, effective on the date of the posting of the new Self Service Area Terms and Conditions to the Self Service Area site or the Credit Corp website.

Section C - Feedback or Complaints

1. If you wish to provide feedback about the Self Service Area, please contact the Self Service Team on 1300 798 350 or 02 8016 0758.

2. If after contacting the Self Service Team you wish to lodge a complaint about the Self Service Area,  you can contact  the Credit Corp Customer Care Team by:

Phone: 1300 768 621
Email: customercare@creditcorp.com.au
Online form: https://www.creditcorp.com.au/customers/feedback/leave-feedback/

In writing:

Credit Corp
FAO: Customer Care
GPO Box 4475
Sydney NSW 2001

3. We will acknowledge receipt of your complaint within 2 Business Days.

4. Your complaint will be investigated by a Customer Care Officer and we will provide you with a written response of the outcome of the investigation.

5. If you have any questions or concerns about the outcome, or if you require further information or clarification from us, please do not hesitate to contact the Customer Care team.

6. If you are dissatisfied with the outcome, you are able to lodge a dispute with our external dispute resolution scheme, the Credit and Investments Ombudsman, which is a free and independent dispute resolution service. The Credit and Investments Ombudsman may be contacted on 1800 138 422 or via their website www.cio.org.au.

These terms and conditions were updated in December 2016.