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  • 1.1 This Disclaimer applies to the provision of Services by CREDIT CHECK PTY LTD (ACN 647 680 635) trading as Credit Check (we, us, our) to you. This Disclaimer also forms part of the Terms and Conditions and policies contained elsewhere on our website creditcheck.com.au (our Site). By engaging or paying for our Services, as defined in our Terms and Conditions, you are agreeing to all of our terms and policies including those above listed.
  • 1.2 Capitalised terms found in this Disclaimer have the same definition as given in our Terms and Conditions.
  • 1.3 Nothing in this Disclaimer attempts to exclude rights that cannot be excluded by law, including but not limited to, those rights under the Australian Consumer Law (being Schedule 2 of the Competition and Consumer Act 2010 (Cth).
  • 1.4 Credit Check provides ‘debt management services’ (as defined in the National Consumer Credit Protection Regulations 2010) in accordance with the National Consumer Credit Protection Regulations 2010. Credit Check has been appointed as a credit representative (ACR 543507) of QED Credit Services Pty Ltd (ACN 147 272 295) trading as Pursuit Broker Services (ACL 387856).  Credit Check is registered with AFCA, our member number is 84058.
  • 2.1 We offer a number of Services on our Site from time to time.
  • 2.2 You acknowledge and agree that each service offering may have different terms, prices and fees, as displayed on our Sites or as contained in any quote provided to you for those Services.
  • 2.3 We provide the Sites and our Services on an "as-is" and "as available" basis and whilst every effort is taken to ensure the Sites and our Services provided to you are accurate and without error, we make no representations and give no guarantees or warranties about the currency, suitability, reliability, availability, timeliness and/or accuracy of the Website or our Services for any purpose.
  • 2.4 It is your responsibility to independently verify our Services and the information made available on the Sites.
  • 2.5 You acknowledge and agree that we, our employees, affiliates and representatives are not responsible for decisions that you may make, or for any consequences, undesired or otherwise, that may flow from your engagement of the Sites or our Services offered on the Sites.
  • 2.6 Any testimonials and examples of our Services, wherever published (online or in print) are not to be taken as a guarantee that you will achieve the same or similar results.
  • 2.7 We make no warranty, representation, or guarantee regarding the suitability of our Services for any particular purpose, nor do we assume any liability whatsoever arising out of the provision of our Services. It is your responsibility to independently determine suitability of any Service and to test and verify the same.
  • 2.8 Any timelines are provided by us on an estimated basis only. We make no guarantee that these timelines will be met as there may be interfering factors beyond our control, and we are not responsible for any delay in the delivery of our Services.
  • 3.1 Nothing on the Sites or anything relating to our Services is a promise or guarantee of results or an improvement in your credit rating.
  • 3.2 You acknowledge and agree that we make no assurance for improving or changing your records of creditworthiness with any credit reporting body as a result of our Credit Repair Services.
  • 3.3 Nothing on our Site or any information provided to you by us during our provision of the Services, purports to offer financial, legal, tax or other professional advice. Use caution and always seek professional advice before acting on any information that we provide.
  • 3.4 We are not providing any financial services. Any financial advice you require should be sought from a licenced financial service provider.
  • 3.5 We do not make any representation that we can improve or adjust your credit score, and you acknowledge this is out of our control.
  • 3.6 You acknowledge and agree that we do not make any representation that we can assist you in obtaining a mortgage or loan or achieving any other purpose for which you want to improve your credit score.
  • 3.7 You acknowledge and agree that we do not remove bankruptcy listings.
  • 3.8 You acknowledge and agree that our Services do not in any way include paying the debt which is the subject of the default listed on your credit report.
  • 3.9 Our Services are provided on the basis of information that was available to us at the time, including but not limited to information provided by you.
  • 3.10 You acknowledge that our Services are provided based on instructions, information and relevant documents provided by you, including, but not limited to where you provide your own credit check for us to review, and you acknowledge and agree that we are not responsible if we are unable to remove a default or judgement from your credit report due to the fact that you provided instructions, information or documents that were incomplete, contained errors, were inaccurate or false.
  • 3.11 You acknowledge and agree that while we aim to remove defaults or judgments from your credit report, this is dependent on whether you provide all relevant information and that such information is accurate and true and is also dependent on whether your creditor(s) agree(s) to remove the default from your credit report, which is ultimately out of our control.
  • 3.12 We shall not be liable, under any circumstances whatsoever, for any loss of business, profits or goodwill, interruption of business, or for any indirect, special, incidental or consequential damages of any character, that result in any way from your use or inability to use our Services.
  • 3.13 You acknowledge and agree that the time is takes to arrange for a default or judgment to be removed from your credit report varies from client to client and we do not guarantee that this will be done within any particular timeframe. However, we will provide our service within a reasonable time, considering the circumstances of your matter.
  • 3.14 You acknowledge and agree that you are still liable to pay our Success Fee no matter how long it may take us to successfully remove a default or judgment from your credit report.
  • 3.15 You acknowledge and agree that if you contact any of your creditors directly, after you have engaged our Services, and they agree to remove the default or judgment from your credit report, you will still be liable to pay our Success Fee to compensate us for our reasonable costs incurred for the labour and resources in working on your matter.

This document was last updated 25 January 2024.