If you do not agree to the following Terms and conditions, please do not use our Site.
By accessing and browsing www.mycra.com.au you represent that you have read, understood and accepted these Terms and Conditions and agree to be bound by them.
This site is owned by MyCRA.com.au and any reference to we, us, our or site always refers to www.mycra.com.au. Use of our Site is subject to the following terms and conditions.
First party personal information
You must be the owner of any and all information entered into this site and by entering the information, you warrant that you are the owner of said information.
Changes
We reserve the right, at our discretion, to update, change or revise these Terms and Conditions. Please check the Terms and Conditions periodically to remain up to date. Your continued use of this Site following the posting of any changes to the Terms and Conditions indicates your acceptance of those changes.
Jurisdiction
Your access to, and use of, the Site is governed by and construed in accordance with the laws of Queensland, and you agree to submit to the exclusive jurisdiction of the courts in Queensland.
Intellectual property rights
You acknowledge and agree that any and all material and content available on www.mycra.com.au is protected by copyright, trade marks or other intellectual property rights and law. No content or material on the Site may be linked to, reproduced, adapted or used or distributed in any way without our prior written consent.
Links
You link to this site at your own risk. We have not reviewed all or possibly any of the sites that are linked to www.mycra.com.au and are not responsible for the content or behavior of any those sites.
General disclaimer
Whilst we have endeavoured to ensure that the content and material on the Site is free from error, we do not warrant its accuracy, adequacy or completeness or that it is suitable for your intended use. This Site may not be continuously available.
Liability Exclusion
You use this Site at your own risk. By using this site, you agree that we are not responsible or liable for any claim, damage or harm arising out of your use of the Site. You also agree that all warranties, conditions and representations in respect of the Site (express or implied) are excluded to the fullest extent permitted by law.
Fees and charges
All fees and charges incurred while using this site are non refundable and you solely are relied upon to enter true and correct information at all times.
This Privacy Policy is MyCra.com.au official online privacy policy and it applies to all personal information collected by MyCra.com.au. In this policy we explain how and why we collect your personal information, how we use it, and what controls you have over our use of it.
MyCra.com.au is committed to complying with Commonwealth legislation governing privacy of personal information by businesses and to protecting and safeguarding your privacy when you deal with us.
Collection of information
Some information provided to us by clients, customers, contractors and other third parties might be considered private or personal. Without these details we would not be able to carry on our business and provide our services to you. We will only collect such personal information if it is necessary for one of our functions or activities.
In particular, personal information is collected from people in the following situations by MyCra.com.au:
If you contact MyCra.com.au, we may keep a record of that correspondence.
When you submit your e-mail address to our web site mailing list.
At or before the time the personal information is collected by us we will take reasonable steps to ensure that you are made aware of who we are, the fact that you are able to gain access to the information held about you, the purpose of the collection, the type(s) of organisations to which we usually disclose the information collected about you, any laws requiring the collection of the information and the main consequences for you if all or part of the information is not collected.
Use of information collected and disclosure of personal information to others
We may use or disclose personal information held about an individual for the primary purpose for which it is collected (eg. provision of our services, including administration of our services, notification to you about changes to our services, record-keeping following termination of our services to you and technical maintenance). We may also use such information for a purpose related to the primary purpose of collection and where it would reasonably be expected by you that we would use the information in such a way. We may only share this information with related entities if we believe that the related entities may add value or make such offer as to add value. This information is only disclosed to persons outside our businesses (The Now Group Pty Ltd and related entities ACN 111 630 963) in the circumstances set out in this policy or as otherwise notified to you at the time of collection of the information.
In addition we are permitted to use or disclose personal information held about you:
Where you have consented to the use or disclosure;
Where we reasonably believe that the use or disclosure is necessary to lessen or prevent a serious, immediate threat to someone's health or safety or the public's health or safety;
Where we reasonably suspect that unlawful activity has been, is being or may be engaged in and the use or disclosure is a necessary part of our investigation or in reporting the matter to the relevant authorities;
Where such use or disclosure is required under or authorised by law (for example, to comply with a subpoena, a warrant or other order of a court or legal process);
Where we reasonably believe that the use or disclosure is reasonably necessary for prevention, investigation, prosecution and punishment of crimes or wrongdoings or the preparation for, conduct of, proceedings before any court or tribunal or the implementation of the orders of a court or tribunal by or on behalf of an enforcement body.
Links
Our web site may contain links to other web sites and those third party web sites may collect personal information about you. We are not responsible for the privacy practices of other businesses or the content of web sites that are linked to our web site. MyCra.com.au encourages users to be aware when they leave the site and to read the privacy statements of each and every web site that collects personally identifiable information.
Security and storage
MyCra.com.au places a great importance on the security of all information associated with our customers, clients and contractors. We have security measures in place to attempt to protect against the loss, misuse and alteration of personal information under our control.
Personal information is de-identified or destroyed securely when no longer required by us.
MyCra.com.au retains the information you provide to us including possibly your contact and credit card details to enable us to verify transactions and customer details and to retain adequate records for legal and accounting purposes. This information is held on secure servers in controlled facilities.
Information stored within our computer systems can only be accessed by those entrusted with authority and computer network password sanctions.
No data transmission over the Internet can be guaranteed to be 100 per cent secure. As a result, while we strive to protect user's personal information, MyCra.com.au cannot ensure or warrant the security of any information transmitted to it or from its online products or services, and users do so at their own risk. Once receives your transmission, it makes every effort to ensure its security on its systems.
Ultimately, you are solely responsible for keeping your passwords and/or account information secret. You should be careful and responsible whenever you are online.
Access to and correction of personal information
MyCra.com.au is committed to maintaining accurate, timely, relevant and appropriate information about our customers, clients and web-site users.
So long as your request for your personal information is in accordance with the National Privacy Principles, then we will give you access to that information.
Inaccurate information will be corrected upon receiving advice to this effect from you. To ensure confidentiality, details of your personal information will be passed on to you only if we are satisfied that the information relates to you.
If we refuse to provide you with access or correct the personal information held about you by us, then we will provide reasons for such refusal.
Complaints
If you have a complaint about our Privacy Policy or the collection, use or safe disposal or destruction of your personal information, your complaint should be directed in the first instance to us by E-mail
We will investigate your complaint and attempt to resolve any breach that might have occurred in relation to the collection, use or destruction of personal information held by us about you in accordance with the Commonwealth Privacy legislation. If you are not satisfied with the outcome of this procedure then you may request that an independent person (usually the Commonwealth Privacy Officer) investigate your complaint.
Transfer of information overseas
Pursuant to the National Privacy Principles we may transfer personal information we have collected about you to someone other than you in a foreign country only if such transfer is permitted by the National Privacy Principles.
Cookies
MyCra.com.au may collect information from the site using "IP files".
When you visit the MyCra.com.au site to read, browse or download information, our system will record/log your IP address (the address which identifies your computer on the internet and which is automatically recognised by our web server), date and time of your visit to our site, the pages viewed and any information downloaded. This information will only be used for the purpose of site analysis and to help us offer you improved online service. We may automatically collect non-personal information about you such as the type of Internet browsers you use or the site from which you linked to our Web Sites. You cannot be identified from this information and it is only used to assist us in providing an effective service on our Web Sites.
Changes to Privacy Policy
If MyCra.com.au decides to change its Privacy Policy, it will post changes on this Privacy Policy page so that users are always aware of what information is collected, how it is used and the way in which information may be disclosed. As a result, please remember to refer back to this Privacy Policy regularly to review any amendments.
Contacting us
If you require further information regarding our Privacy Policy, please contact us at the following address: E-mail
Should you wish to read more information on privacy legislation or the National Privacy Principles we recommend that you visit the Federal Privacy Commissioner's website at www.privacy.gov.au.
Acceptance
You accept that your use of this site includes your acceptance of this Privacy Policy and the Terms of Use.
Are applying to have your credit file repaired where possible.
Consent to us, our agents and or servants seeking verification of any of the information you have provided.
Agree to provide, additional documents as reasonably requested by us.
Understand that whilst every effort is made to repair your credit file, we are unable to provide a guarantee, expressed or implied.
Declare that you are over the age of 18.
Agree to be contacted by us and or our agents for further information and opportunities as we require.
Confirm that all statements made in this application are true and complete and are made for the purpose of repairing a credit file.
Authorise us and our servants and or agents to disclose any or all information contained in this application to any party for the purpose of repairing your credit file subject to the provisions of The Privacy Act.
By providing us with your credit card or debit card details you specifically authorise us to debit fees due for any stage once we have advised you that the stage has been reached and the fees are payable. The fees will be debited to your account one business day after forwarding advice to you that the fee is payable.
Agree to pay an application fee of $1096.70 before or upon submission of an application.
Understand that if you have supplied all requested application forms, information, explanations, identification (and anything else that may be reasonably required to assess your application) and MyCRA Pty Ltd is unable to proceed to Stage 2 with your application, that 100% of the initial application fee (excluding credit card or other bank processing fees) will be refunded to you.
Understand that if MyCRA Pty Ltd is able to proceed to Stage 2 with the application, that no refunds will be made to you.*
Understand that if MyCRA Pty Ltd proceeds to Stage 2* with the application to remove listings from your credit file, that each listing attempted to be removed will be charged in advance at $438.90 per listing to commence Stage 2* (Negotiation and Further Investigation).
When your file has progressed to Stage 2 we will notify you. You will then need to pay your Stage 2 fee within 30 days. If your Stage 2 fee is not paid within the 30 days then your file will be deactivated and you will incur a reactivation fee of $550 (in addition to your standard Stage 2 payment/s. You can avoid this additional cost by making sure that you have paid the Stage 2 fee within 30 days of us notifying you of the progression of your file to Stage 2 status.
Once your default/listing has progressed to stage three, or you become aware the listing has been removed or scheduled for removal, you shall be required to pay the stage three payment of $218.90 per default/listing per credit file within 7 days.
This fee is due and payable regardless of the method of communication used to advise you of the listing removal.
Once we have progressed to stage two, any default/listing removal howsoever achieved by you, MyCRA, or any other party shall attract liability on your part for payment to us of the stage three payment amount/s.
Where you have provided us with your credit card details for stage one or stage two payments we shall immediately upon advising the matter has progressed to stage three, debit the stage three payment to that card and your agreement with our terms and conditions shall be sufficient authority for us to do so.
Agree to pay $218.90 per default/listing per credit file within 7 days of us achieving Stage 3.
Acknowledge that upon receipt of the Stage 3* payment by us, we will attempt to ensure the credit reporting agency has removed the listing within ten working days.
Understand that if you fail to make any payments as referred in this agreement that no further works will be undertaken by us until these fees have been received by us as cleared funds.
In the event that you fail to pay the aforementioned fees we (or any entity to whom we assign the debt) may commence recovery action against you and list your default/listing with any Credit Reporting Agency in Australia or elsewhere as may be permitted by law. In addition to the total amount of the debt, you may also become liable for additional costs and fees including but not limited to;
administration fees - $82.50 per default/listing
agents fees - $137.50 per default/listing
recovery fees - $82.50 per default/listing
legal fees - in accordance with court scale
court costs - in accordance with court scale
Authorise us to enable your referring broker, agent or other referring entity to access our online tracking system which contains information about the status and progress of your application including information about your credit file listing(s). This authority releases us from any liability under the Privacy Act.
Will be provided with all updates in relation to the progress of your credit file repair via our online tracking system. This is a free service which is designed to provide you with the most recent status of your matter. Telephone calls to our office requesting a personal update on your matter may attract our Update Fee of $41.87 per call. This fee will form part of outstanding fees and will need to be paid prior to your file progressing to Stage 3.
Understand that telephone calls to the Legislative Compliance Officer handling your matter may only be conducted via our Premium Call Service and will incur a charge on a per minute basis.
Whilst we make every effort to achieve the very best possible outcome for you, there are a number of factors which are not within our control. We understand that trying to have your credit file repaired can be very frustrating also. We do however have to insist on some basic courtesies. Our staff are not expected to tolerate abuse or personally insulting remarks, comments or behavior. We like to think of it as common courtesy and basic good manners. If your conduct falls short of these standards then we reserve the right unconditionally to terminate our arrangement with you. In the event of such a termination, we shall inform you in writing, cease work on your file and all monies paid by you shall be forfeited as and from the termination. This in no way excuses you from liability or payment of any other monies due and payable under our agreement. You shall not be entitled to a refund of any nature. No correspondence shall be entered into and we shall not assist you further
Understand that if you are relying on our 100% refund guarantee on the stage 1 application fee if your application does not proceed to stage 2 that this clause requires you to provide all application forms, supporting documents, signed letters of authority, signed ombudsman forms, photo ID, drivers licence and a copy of both your Veda Advantage credit file and your Dun & Bradstreet credit file, your medicare card as well as full and detailed explanations of the circumstances that led up to your credit file listing within 10 working days of the payment of your application fee. Failure to comply with this clause may render the 100% refund guarantee not applicable to your particular application.
MyCRA Pty Ltd reserves the right to alter any or all of these terms at any time
If you choose our interest free payment plan then the following conditions shall also apply to you:
You will incur an application fee of $1096.70. In addition, you will incur a file creation and payment plan set up fee of $220. These costs are non refundable.*
You will be required to make weekly payments of at least $100 and to sign such irrevocable authorities as may be necessary authorising us to directly debit your account until such time as all monies owing are paid in full.
If you agree to provide authority for weekly payments of $220 or more then the file creation and payment plan setup fee will be waived.
Once payments totalling at least $220 have been received by us, we will commence work on your file. No work other than creation of a file and setup of the payment plan will be performed until such time as the $220 in payments has been received.
A missed payment fee of $55 will be debited to your account in the event that an instalment is missed.
Your file will progress to stage 2 as soon as possible after the first payment is received and we have received a copy of your credit file and a fully completed application form including explanations of each default/listing.
Investigation and Negotiation (stage 2a) will commence on your file upon receipt of the full payment of the Stage 2 fee in the amount of $493.90 per default/listing plus any outstanding payments from stage 1 and setup fees. If your file progresses to the point where your default/listing is scheduled for removal and you have not paid the full balance of Stage 1 and Stage 2 fees together with any other fees then owing, the total amount unpaid plus the stage 3 fee shall be payable immediately.
If you make full Stage 1 and 2 payments within 28 days of the commencement of your payment plan then we will waive the $220 file creation and payment plan set up fee. We will not however waive any other fees which you have incurred through missed payments.
Your Stage 3 fee will be $273.90. This is payable within seven days of us achieving Stage 3.
By signing the direct debit authority and or the Payment Plan agreement, you are acknowledging that you are bound by these terms and conditions and no variation or waiver request will be entertained.*
* Except as may be required by relevant legislation.
Agree that you have read, understand and agree to this agreement and have either sought legal advice or chosen not to do so.
MyCRA is an Australian Company | Copyright MyCRA 2012 Free Credit File or Free Credit Report from Veda Advantage, My Credit File, Dun & Bradstreet and Tascol or Tasmanian Collection Service available from here
Use of this website consitutes acceptance of the Website Terms of Service, Please refer to our policies page for more information.
Please Note: Our previous results of up to 91.7% have applied to consumer applications and past results are no indication of future performance.
