Terms of Service

Terms of Service

These terms of service (Terms) govern your use of Beforepay Finance Pty Ltd ACN 636 670 525 and/or BPG Credit Pty Ltd ACN 673 570 575 (referred to as "we", "us" or "Beforepay") Products & Services.

1. Binding Agreement

By creating an account with Beforepay via our App and accessing or using our Products & Services, you are deemed to have read, accepted and be bound by these Terms.

Please be aware that we may change these Terms from time to time. We will only contact you regarding changes (excluding changes required by any laws or regulations) to these Terms as follows:

• if we make material changes to our Terms, including to introduce new fees or make changes to existing fees, we will provide you with personal notice and seek your consent prior to implementing those changes. If you do not agree to these changes then you may cease the use of our Products & Services without penalty prior to the amendments being implemented; and
• if we make non-material changes to our Terms, we will provide you with 30 days’ notice prior to the implementation of the changes.

For the avoidance of doubt, we may make changes to our Terms in order to comply with any laws or regulations immediately without seeking your consent and without giving you any prior notice.

2. Our Products & Services

We may aggregate financial, location and related information from one or more Linked Services, using Authentication Information provided by you, to retrieve Account Information from each Linked Service.

The information provided by our Products & Services is information provided by you, through our Linked Services, and may be combined with some further analysis of such information. Our Products & Services are not intended as legal, tax or financial advice, nor as an offer or recommendation for financial services or other products, and you are prohibited from relying on them for these or any other purposes.

Please be aware that we may make certain changes to our Products & Services which do not require any corresponding changes to our Terms. In these circumstances, we may not give you any notice (for example where a change is immaterial and does not affect the overall functionality of our Products & Services).

References to Linked Services, including the display of their trademarks, may appear on our Website, on our App or in third-party services incorporating our Products & Services. Any such references do not imply endorsement by or of the Linked Service. Your use of any Linked Services accessed through Beforepay is at your own risk.

In order to access and use our Products & Services, you will need a compatible mobile device, tablet or computer, compatible software, and internet access. For details of compatibility requirements, please refer to the help page of our Website which can be found at https://help.beforepay.com.au/en/.

We will use our best efforts to maintain the reliability of our Products & Services. However, they are provided on an ‘as is’ basis and we do not guarantee that our Products & Services will be error-free. Additionally, we cannot guarantee the accuracy, availability, continuity, and completeness of our Products & Services, as this can be affected by a variety of factors outside of our control.

By creating an account and accepting these terms of service, you expressly consent to receiving email and SMS marketing messages from Beforepay for informational and promotional purposes.

To opt out of marketing communications, please email support@beforepay.com.au.

3. Paid Services

We provide some of our Products & Services free of charge. However, where indicated either at registration, within the App or on our Website, we also provide optional Paid Services. The fees for Paid Services can be found on our Website and on our App.

If we provide you with a Paid Service, we will enter into a separate agreement with you to do so.

4. Referral Arrangements

We use various channels to market our Products & Services to you, including through various third parties, such as comparison websites. We may enter into referral arrangements with third parties for this purpose. The referral arrangements we enter into may involve us paying referral fees or commissions to third parties for referring you to Beforepay’s website or mobile application. The basis on which we may pay referral fees or commissions varies but may include payment of referral fees or commissions on a "per click" basis and/or a "per installation" basis.

By agreeing to these Terms, you consent to Beforepay entering into referral arrangements with third parties that may involve the payment of referral fees or commissions to those third parties.

5. Your Information

We will handle your Personal Information in accordance with our Privacy Policy, as amended from time to time, which is available on our website. These Terms should be read together with our Privacy Policy.

To provide you with access to and use of our Products & Services, you authorise us to collect and use information about you maintained by third parties (such as your bank or other services that you have signed up with), in accordance with our Privacy Policy.

6. Your Rights

You may access and use our Products & Services free of charge (this excludes our Paid Services).

We grant you a non-exclusive, personal, non-transferable, revocable license to access and use our Products & Services in accordance with these Terms. We do not assign any ownership rights, intellectual property rights or any other implied rights (including resale rights) relating to our Products & Services to you or any other person. Your Beforepay account is provided for your personal use only. You may not transfer or assign your account or usage rights to a third party.

You can unsubscribe from marketing email notifications at any time.

You can delete your Beforepay account and uninstall our App from your device(s) at any time.

7. Your Responsibilities

You agree to:

• only access and use our Products & Services for lawful purposes;
• ensure your details used to create an account with Beforepay are true and accurate, and update them if they change;
• assume all responsibility for your access to and use of our Products & Services and for any outcomes arising from their use;
• at our discretion, your registered email address and/or mobile number being used by us as the primary means of verifying your identity (including for password resets);
• set strong passcodes/passwords to the devices and accounts used to access our Products & Services, and to keep these strictly confidential to avoid unauthorised access to your Beforepay account;
• notify us promptly upon becoming aware of any unauthorised access to or use of your Beforepay account or our Products & Services; and
• comply with our reasonable directions in connection with your use of our Products & Services.

You agree that you will not:

• do anything that interferes with or infringes our (or our licensors’, affiliates’ or partners’) intellectual property rights in the Content;
• copy or duplicate our Products & Services or any substantial part thereof, including the look and feel, without our prior written consent, except for ‘fair dealing’ or as otherwise permitted under the Copyright Act 1968 (Cth);
• directly or indirectly reverse-engineer, decompile, recreate or otherwise obtain any of the software making up our Products & Services;
• use our public APIs except via our official client software (commercial use of our public APIs is not covered by these Terms). If you would like more information about using our APIs in your software, please contact us in accordance with clause 16;
• intentionally cause excessive load on our systems or servers, or interfere with the normal operation of other services;
• use our Products & Services in a way that infringes the rights or privacy of other people;
• use our Products & Services to connect to a Linked Service that you are not legally authorized to access; or
• use our Products & Services in a way that you know or reasonably suspect might cause damage to us or a third party.

8. Our Rights

• With your authorisation, we may use and store your Personal Information which we collect from you or third parties in accordance with our Privacy Policy, in order to provide our Products & Services to you (as well as improve and develop our Products & Services). We will treat any Personal Information strictly in accordance with our Privacy Policy.
• You acknowledge that any intellectual property right or interest in our Products & Services and Content belongs to us, our licensors, affiliates or partners.

9. Suspension of Use of Products & Services and Termination of Account

We may immediately suspend your access to or use of our Products & Services, or cancel your Beforepay account if we determine that:

• you have breached these Terms;
• in using our Products & Services, you have contravened any laws or regulations;
• you are using our Products & Services in an inappropriate manner or not for their reasonably intended purpose;
• your conduct detrimentally impacts (or is reasonably likely to detrimentally impact) our good name or reputation;
• your conduct causes (or is reasonably likely to cause) harm to us or a third party, indirectly or directly.

If we determine it is necessary to suspend your access to or use of our Products & Services or cancel your Beforepay account for any of the reasons above, we will provide you with personal notice outlining the reason and the effective date and length of the suspension. We will endeavour to give you personal notice prior to the suspension taking effect, however where it is not practicable to do so we will provide you with personal notice as soon as reasonably practicable after the fact.

We may also suspend your access to or use of our Products & Services, or cancel your Beforepay account if we are unable to contact you or you do not use your account for an extended period of time (generally 365 day consecutive days). In this case, we will give you personal notice within a reasonable time prior to the suspension taking effect.

10. Service Outage

From time to time, our Products & Services may experience interruptions for a variety of reasons, including:

• periodic updates, maintenance or repair;
• system failure or network failure;
• software or hardware malfunction; or
• emergencies, such as a natural disaster or a serious accident.

We will provide advance notification where we are able to plan or anticipate these interruptions, however, this may not always be the case. If we are not able to notify you before the interruption, we will notify you as soon as reasonably practicable after the fact.

11. Payment Services

Beforepay utilises the services of digital payment solutions providers, being either Zai Australia Pty Ltd ABN 96 637 632 645 (Zai) or Zepto Payments Pty Ltd ABN 61 604 057 598 (Zepto), to procure the payment of loan funds to you. Your Personal Information will be provided to Zai and/or Zepto for the purposes of providing the digital payment solutions to you, and will be disclosed, collected, held and used by Zepto and/or Zai in accordance with their respective privacy policies. Zai's privacy policy can be found here. Zepto's privacy policy can be found here.

12. Data Aggregation Services

Beforepay has engaged Basiq Pty Ltd (ABN 95 616 592 011) (Basiq) who operates a data aggregation platform (Platform) to retrieve and collate your data.

You authorise and appoint Beforepay and its service providers, expressly including Basiq, as your limited agent solely for the purpose of accessing third party data sources designated by you (User Accounts) via such third party websites, applications and servers, and retrieving information and related documents (User Data) from the designated User Accounts for the purposes of collecting and collating the User Data obtained. Beforepay and Basiq will use due skill and care in acting as limited agents.

For these purposes, you license to Beforepay, and authorise Beforepay to grant Basiq a non-exclusive, royalty-free sub-license to authentication details and other information required for the access to User Accounts. You agree that the User Account providers are entitled to rely on the authorisation granted and the appointment as agent.

You warrant and agree that:

• the User Data you need is for your personal and non-commercial use only;
• all information you give us about yourself and about User Accounts, is true, accurate, current and complete;
• you have the legal authority to provide the information (e.g. you must be the relevant account holder, or have permission of joint account holders); and
• you are responsible for updating and maintaining correct (a) information about you (including your personal details) and your User Accounts (including your access information), and (b) information that we or our service providers (including Basiq) retrieves from User Accounts at your request.

You acknowledge that Basiq is acting as Beforepay’s subcontractor and that your sole recourse is under your agreement with Beforepay. Basiq is in no way responsible for your relationship with the providers of User Accounts or Beforepay, or any of their products, services, acts or omissions. You release Basiq from all liability and will hold Basiq harmless against any and all claims resulting directly or indirectly from Basiq’s access to User Accounts and the retrieval and collation of User Data.

Beforepay utilises the services of digital payment solutions providers, being either Zai Australia Pty Ltd ABN 96 637 632 645 (Zai) or Zepto Payments Pty Ltd ABN 61 604 057 598 (Zepto), to procure the payment of loan funds to you. Your Personal Information will be provided to Zai and/or Zepto for the purposes of providing the digital payment solutions to you, and will be disclosed, collected, held and used by Zepto and/or Zai in accordance with their respective privacy policies. Zai's privacy policy can be found here. Zepto's privacy policy can be found here.

13. Limitation of Liability

14. Notices and Communications

(a) How we will communicate with you

Unless these Terms require us to give you personal notice in accordance with clause 14(b), notices or other communications regarding these Terms and/or the Products & Services will be provided to you electronically via our Website or by displaying an appropriate notice on our App and/or by way of email notification to the email address registered on your Beforepay account. You agree to receive all communications from us in electronic form.

(b) Personal Notice

If these Terms require us to give you personal notice, we may give you that notice by sending it to you via electronic methods of communication using contact details listed on you Beforepay account (including email and text messages).Service of personal notice is taken to be effective from 5pm the day after it is sent, unless we receive notification that delivery of the relevant email has failed.

15. Governing Law & Jurisdiction

These Terms and all aspects of your use of our Products & Services are governed by the laws of the state of New South Wales (Australia). You agree to notify us as soon as reasonably possible about any claim or dispute concerning or relating to these Terms or our Products & Services using the contact details set out in clause 16 below.

16. Contact Us

If you would like to contact us, you can email us at support@beforepay.com.au or from the contact form on our Website.

17. Words with Special Meaning

Last updated May 2025