Terms of Use

1. Introduction

These Terms of Use ("Terms") govern your access to and use of the website operated by Steadfast Recoveries ABN [XX XXX XXX XXX] ("we", "us", "our"), including all associated online forms, tools, and services (collectively, the "Site").

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site. We may update these Terms at any time by posting a revised version on this page.

2. Nature of Our Services

Steadfast Recoveries is a financial recovery support service. We are engaged by creditors (our clients) to contact individuals or businesses with outstanding accounts and assist in arranging resolution of those accounts.

The Site allows you to look up your account, arrange or request a payment plan, apply for hardship assistance, raise a dispute, and contact us. We do not provide legal, financial, or taxation advice. If you require such advice, you should consult a qualified professional.

3. Account Lookup and Verification

When you use our reference code lookup tool, you acknowledge that:

• You are the person named on the account, or are authorised to act on their behalf
• Account information displayed is provided in good faith based on information supplied to us by the relevant creditor
• You will not attempt to access another person's account information
• You will not attempt to circumvent or probe our systems

4. Payments

By submitting a payment through our Site, you confirm that:

• You are authorised to use the payment method provided
• The payment details you provide are accurate and complete
• You understand that payments are applied to the outstanding account balance specified at the time of payment

Payments are processed by our third-party payment provider. We do not store full card numbers. Receipts will be issued by email following successful payment. If you believe a payment has been applied in error, please contact us immediately.

Payments cannot be reversed except in cases of demonstrated error or fraud, or where required by applicable law.

5. Payment Plans

Submitting a payment plan request through our Site does not constitute acceptance of a payment plan agreement. A plan is only in place once it has been confirmed in writing by one of our staff members. Until then, the outstanding debt remains due and collection activities may continue.

6. Hardship Applications

Submitting a hardship application does not automatically pause collection activities, though we will make reasonable efforts to avoid contact with you while your application is under review. We will respond to hardship applications within 2 business days. We assess all applications in accordance with applicable guidelines, including the ACCC/ASIC Debt Collection Guideline and our internal hardship policy.

7. Disputes

You have the right to dispute an account at any time. To raise a dispute:

• Use the dispute form on the Pay page of this Site, or
• Contact us by phone or email during business hours

We will investigate all disputes in good faith and respond within 5 business days. If your dispute is substantiated, the account will be amended accordingly. If you remain unsatisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA) free of charge.

8. Acceptable Use

You agree not to:

• Provide false, misleading, or fraudulent information on any form
• Attempt to access accounts that are not yours without proper authorisation
• Conduct automated scraping, crawling, or probing of our systems
• Introduce malware, viruses, or any harmful code to the Site
• Use the Site in any way that breaches applicable Australian law
• Harass, abuse, or threaten our staff

We reserve the right to suspend or restrict access to the Site for users who breach these Terms.

9. Regulatory Compliance

Our debt recovery activities are conducted in compliance with applicable Australian laws and guidelines, including:

• ACCC/ASIC Debt Collection Guideline for Collectors and Creditors
• The Privacy Act 1988 (Cth) and Australian Privacy Principles
• The National Consumer Credit Protection Act 2009 (Cth) where applicable
• The Competition and Consumer Act 2010 (Cth)
• Applicable state and territory consumer protection legislation

10. Intellectual Property

All content on this Site — including text, graphics, logos, and software — is owned by or licensed to Steadfast Recoveries and is protected by Australian and international copyright law. You may not reproduce, distribute, or create derivative works from any content on this Site without our prior written consent.

11. Limitation of Liability

To the maximum extent permitted by law, Steadfast Recoveries is not liable for:

• Any indirect, incidental, or consequential loss arising from your use of this Site
• Temporary unavailability of the Site due to maintenance or technical issues
• Errors or inaccuracies in account information provided to us by creditors

Nothing in these Terms excludes any guarantee, right, or remedy that cannot be excluded under the Competition and Consumer Act 2010 (Cth) or other applicable law.

12. Links to Third-Party Websites

This Site may contain links to external websites, including regulatory bodies and support services. We do not endorse and are not responsible for the content of those sites. Accessing third-party sites is at your own risk.

13. Governing Law

These Terms are governed by the laws of New South Wales, Australia. Any disputes arising out of these Terms or your use of the Site will be subject to the non-exclusive jurisdiction of the courts of New South Wales.

14. Contact Us

If you have a question about these Terms, please contact us: