Acceptance

1. If you do not agree to the following Terms and conditions, please do not use our Site.
2. 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.
3. 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

1. 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

1. 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

1. 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

1. 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

1. You link to this site at your own risk.
2. 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

1. 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

1. 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

1. 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.

Introduction

1. 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.
2. 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

3. 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.
4. In particular, personal information is collected from people in the following situations by MyCra.com.au:
   1. If you contact MyCra.com.au, we may keep a record of that correspondence.
   2. When you submit your e-mail address to our web site mailing list.
5. 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

6. 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.
7. In addition we are permitted to use or disclose personal information held about you:
   1. Where you have consented to the use or disclosure;
   2. 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;
   3. 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;
   4. 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);
   5. 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

8. 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

9. 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.
10. Personal information is de-identified or destroyed securely when no longer required by us.
11. 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.
12. Information stored within our computer systems can only be accessed by those entrusted with authority and computer network password sanctions.
13. 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.
14. 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

15. MyCra.com.au is committed to maintaining accurate, timely, relevant and appropriate information about our customers, clients and web-site users.
16. 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.
17. 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.
18. 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

19. 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
20. 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

21. 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

22. MyCra.com.au may collect information from the site using "IP files".
23. 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

24. 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

25. If you require further information regarding our Privacy Policy, please contact us at the following address: E-mail
26. 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

27. You accept that your use of this site includes your acceptance of this Privacy Policy and the Terms of Use.

BY MAKING PAYMENT TO MYCRA PTY LTD (“US”), YOU;

1. ARE APPLYING TO HAVE YOUR CREDIT FILE REPAIRED WHERE POSSIBLE.
2. CONSENT TO US, OUR AGENTS AND OR SERVANTS SEEKING VERIFICATION OF ANY OF THE INFORMATION YOU HAVE PROVIDED.
3. AGREE TO PROVIDE, ADDITIONAL DOCUMENTS AS REASONABLY REQUESTED BY US.
4. UNDERSTAND THAT WHILST EVERY EFFORT IS MADE TO REPAIR YOUR CREDIT FILE, WE ARE UNABLE TO PROVIDE A GUARANTEE, EXPRESSED OR IMPLIED.
5. DECLARE THAT YOU ARE OVER THE AGE OF 18.
6. AGREE TO BE CONTACTED BY US AND OR OUR AGENTS FOR FURTHER INFORMATION AND OPPORTUNITIES AS WE REQUIRE.
7. CONFIRM THAT ALL STATEMENTS MADE IN THIS APPLICATION ARE TRUE AND COMPLETE AND ARE MADE FOR THE PURPOSE OF REPAIRING A CREDIT FILE. ANY INDICATIONS THAT ANY STATEMENT, DOCUMENT, OR VERBAL CONVERSATION THAT YOU HAVE MADE OR PROVIDED TO MYCRA PTY LTD, ARE FABRICATED, INACCURATE, MISLEADING, DECEPTIVE OR UNTRUTHFUL; MAY BE GROUNDS TO SUSPEND YOUR CONTRACT. IN THE EVENT OF SUCH A SUSPENSION, WE SHALL INFORM YOU IN WRITING AND IMMEDIATELY CEASE WORK ON YOUR FILE. YOU WILL HAVE 14 DAYS TO SUFFICIENTLY EVIDENCE YOUR CLAIM IN ORDER TO HAVE YOUR SUSPENDED FILE REACTIVATED. IN THE EVENT OF YOUR FILE NOT BEING REACTIVATED, ALL MONIES PAID BY YOU SHALL BE FORFEITED. 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.
8. 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.
9. AUTHORISE US TO ENABLE YOUR REFERRING BROKER, AGENT OR OTHER REFERRING ENTITY TO ACCESS OUR ONLINE TRACKING SYSTEM AT OUR DISCRETION 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.
10. UNDERSTAND THAT AND APPLICATION TO HAVE YOUR CREDIT REPAIRED IS ACCEPTED ON A PER PERSON BASIS AND ADDITIONAL FEES WILL BE DUE AND PAYABLE IN THE EVENT THAT YOU REQUIRE WORKS TO BE COMMENCED OR CARRIED OUT ON A CREDIT FILE IN THE NAME OF ANOTHER PERSON OR CORPORATION OR ENTITY.
11. 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, AT IT’S SOLE DISCRETION, TO PROCEED TO STAGE 2 WITH YOUR APPLICATION, THAT 100% OF FEES PAID TOWARDS YOUR CREDIT RATING REPAIR (EXCLUDING CREDIT CARD OR OTHER BANK PROCESSING FEES) WILL BE REFUNDED TO YOU WITHIN 30 DAYS OF IT’S DECISION.
12. UNDERSTAND THAT IF YOU ARE RELYING ON OUR 100% REFUND GUARANTEE ON THE FEES PAID TOWARDS YOUR CREDIT RATING REPAIR IF YOUR APPLICATION DOES NOT PROCEED TO STAGE 2 THAT THIS CLAUSE REQUIRES YOU TO PROVIDE ALL APPLICATION AND ASSESSMENT 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 FEE. FAILURE TO COMPLY WITH THIS CLAUSE MAY RENDER THE 100% REFUND GUARANTEE NOT APPLICABLE TO YOUR PARTICULAR APPLICATION.
13. WILL BE NOTIFIED WHEN YOUR FILE HAS PROGRESSED TO STAGE 2. YOU MAY BE REQUESTED TO PROVIDE ADDITIONAL APPLICATION FORMS AND INFORMATION AS NECESSARY TO ASSIST WITH YOUR CREDIT REPAIR.
14. AGREE THAT MYCRA WILL PAUSE AND OR CLOSE YOUR FILE UNDER THE FOLLOWING SITUATIONS:
    1. SHOULD YOU FAIL UNDER YOUR OBLIGATIONS TO PROVIDE MYCRA WITH PAYMENT YOUR FILE WILL BE PAUSED IMMEDIATELY. WHERE YOUR ACCOUNT IS NOT REMEDIED WITHIN 30 DAYS FROM THE FIRST PAYMENT DEFAULT YOUR FILE WILL BE CLOSED. YOU REMAIN LIABLE FOR ANY DEBTS INCURRED UNDER THIS AGREEMENT EVEN WHERE YOUR ACCOUNT HAS BEEN CLOSED.
    2. SHOULD YOU FAIL TO PROVIDE, WHEN REQUESTED INFORMATION, DOCUMENTS OR ANY OTHER REASONABLY REQUESTED ITEMS WITHIN 30 DAYS OF A REQUEST YOUR FILE WILL BE PAUSED.
       1. SHOULD YOU CONTINUE TO FAIL TO PROVIDE WHEN REQUESTED, INFORMATION, DOCUMENTS OR ANY OTHER REASONABLY REQUESTED ITEMS 30 DAYS AFTER YOUR FILE HAS BEEN PAUSED YOU FILE WILL BE CLOSED. YOU REMAIN LIABLE FOR ANY DEBTS INCURRED UNDER THIS AGREEMENT EVEN WHERE YOUR ACCOUNT HAS BEEN CLOSED.
15. UNDERSTAND THAT IF A FILE IS PAUSED, THAT NO WORKS WILL BE UNDERTAKEN BY US UNTIL THE FILE IS REACTIVATED.
16. UNDERSTAND THAT IN THE EVENT YOUR FILE HAS BEEN PAUSED FOR 30 DAYS OR MORE, WHETHER AT YOUR REQUEST OR NOT, THAT A REACTIVATION FEE OF $550 AND PAYMENT OF ANY OTHER OUTSTANDING AMOUNTS, ARE TO BE RECEIVED BY US AS CLEARED FUNDS PRIOR TO WORK RESUMING ON YOUR FILE.
17. ONCE YOUR DEFAULT/LISTING HAS PROGRESSED TO STAGE THREE, OR YOU BECOME AWARE THE LISTING HAS BEEN REMOVED OR SCHEDULED FOR REMOVAL, WE DEEM THIS AS A SUCCESSFUL REMOVAL DUE TO THE WORK CONDUCTED BY US.
18. ACKNOWLEDGE THAT UPON RECEIPT OF NOTIFICATION FROM YOUR CREDITOR (OR THEIR AGENT), CONFIRMING THAT THEY WILL REMOVE YOUR CREDIT FILE LISTING, THAT YOU MAY BE REQUIRED TO TAKE FURTHER ACTION OR MAKE PAYMENT IN ORDER TO FINALISE THE REMOVAL PROCESS. ONCE THIS ACTION IS TAKEN, YOUR LISTING WILL NORMALLY BE REMOVED WITHIN 10 WORKING DAYS.
19. UNDERSTAND THAT 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 BEHAVIOUR. 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.
20. AGREE THAT IN THE EVENT THAT YOU FAIL TO PAY ANY FEES WHICH BECOME DUE AND PAYABLE, THAT 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 OR AGENCIES 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;
    1. ADMINISTRATION FEES - $82.50 PER DEFAULT/LISTING
    2. AGENTS FEES - $137.50 PER DEFAULT/LISTING
    3. RECOVERY FEES - $82.50 PER DEFAULT/LISTING
    4. LEGAL FEES - IN ACCORDANCE WITH COURT SCALE
    5. COURT COSTS - IN ACCORDANCE WITH COURT SCALE
21. UNDERSTAND THAT IN THE EVENT YOU WISH TO UPGRADE YOUR CREDIT RATING REPAIR PRODUCT, NEW FEES AND DOCUMENTS WILL BE REQUIRED FROM YOU AS PART OF THE UPGRADED PRODUCT AND PROCESS.
22. HEREBY AUTHORISE MYCRA PTY LTD TO DO ANY AND ALL SUCH THINGS NECESSARY TO ASSIST IN THE INVESTIGATION AND CORRECTION WHERE POSSIBLE OF LISTINGS, NOTATIONS AND OTHER SUCH ENTRIES OF ANY CREDIT REPORT OR RECORD OR INFORMATION AS MAY BE HELD ON OR ABOUT ME ANYWHERE AND IN ANY JURISDICTION IN BOTH AUSTRALIA AND NEW ZEALAND INCLUDING BUT NOT LIMITED TO CONTACTING AND ACCESSING PERSONAL AND CREDIT INFORMATION HELD BY CREDITORS, CREDIT REPORTING AGENCIES AND ANY OTHER ENTITY OR INDIVIDUAL THAT MAY HOLD INFORMATION. THIS AUTHORITY SHALL BE DEEMED TO GIVE ANY EMPLOYEE OF MYCRA PTY LTD FULL AND UNRESTRICTED ACCESS TO SUCH INFORMATION ON MY BEHALF. THIS AUTHORITY SHALL REMAIN EFFECTIVE UNTIL SUCH TIME AS IT IS REVOKED IN WRITING BY THE INDIVIDUAL EXECUTING THIS AGREEMENT.
23. AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO THIS AGREEMENT AND HAVE EITHER SOUGHT LEGAL ADVICE OR CHOSEN NOT TO DO SO.
24. IF ANY TERM OR PART OF A TERM OF THIS AGREEMENT IS OR BECOMES LEGALLY INEFFECTIVE, INVALID OR UNENFORCEABLE IN ANY JURISDICTION IT WILL BE SEVERED AND THE EFFECTIVENESS, VALIDITY OR ENFORCEABILITY OF THE REMAINDER WILL NOT BE AFFECTED.
25. ACKNOWLEDGE THAT MYCRA PTY LTD RESERVES THE RIGHT TO ALTER ANY OR ALL OF THESE TERMS AT ANY TIME.

BY ENTERING INTO THE MYCRA PTY LTD ”PRIORITY ONE “PRODUCT, YOU;

1. MUST ALSO COMPLY WITH THE MYCRA PTY LTD GENERAL TERMS AND CONDITIONS.
2. ACCEPT THAT THIS UPGRADE ALLOWS MYCRA TO CHARGE FEES UPON A SUCCESSFUL AND SPEEDY REMOVAL OF ANY LISTING THAT YOU HAVE REQUESTED REMOVED
3. AGREE THAT THE REMOVAL PAYMENT WILL BE AUTOMATICALLY DEDUCTED OR DEBITED FROM YOUR CREDIT CARD, DEBIT CARD, OR BANK ACCOUNT WITHIN 7 DAYS OF MYCRA RECEIVING ADVICE OF THE PENDING REMOVAL OF YOUR LISTING AND YOU BEING NOTIFIED.
4. UNDERSTAND THAT THE REMOVAL TIME WILL BEGIN ONLY ONCE WE RECEIVE YOUR FULL AND COMPLETE APPLICATION, WHICH INCLUDES 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, WITH ANY ADDITIONAL INFORMATION AS REASONABLY REQUESTED BY US FOR YOUR LISTING REMOVAL.
5. AGREE THAT ONCE THE AFOREMENTIONED ITEMS HAVE BEEN RECEIVED AND YOUR REMOVAL PROCESS BEGINS, MYCRA WILL ENDEAVOUR TO HAVE YOUR LISTING REMOVED IN THE SHORTEST POSSIBLE TIME AND ONCE CONFIRMATION OF PENDING OR ACTUAL REMOVAL ADVICE IS SENT TO YOU WITHIN THE FOLLOWING TIME FRAMES, THE CORRESPONDING FEES ARE DUE AND PAYABLE IMMEDIATELY AND WILL BE DEDUCTED FROM YOUR SUPPLIED CREDIT CARD OR BANK ACCOUNT WITHIN 7 DAYS OF CONFIRMATION ADVICE BEING ISSUED TO YOU;
   REMOVAL ADVICE ISSUED IN:
   1. 1-7 DAYS $1500 PRIORITY ONE FEE DUE AND PAYABLE,
   2. 8-14 DAYS $1200 PRIORITY ONE FEE DUE AND PAYABLE,
   3. 15-21 DAYS $900 PRIORITY ONE FEE DUE AND PAYABLE,
   4. 22-28 DAYS $600 PRIORITY ONE FEE DUE AND PAYABLE,
   5. 29-36 DAYS $300 PRIORITY ONE FEE DUE AND PAYABLE,
   6. 37-42 DAYS $100 PRIORITY ONE FEE DUE AND PAYABLE.
   1 DAYS COUNT BEGINS ONLY ONCE ALL REQUESTED DOCUMENTS HAVE BEEN RECEIVED CORRECTLY COMPLETED AS REQUESTED BY MYCRA

BY ENTERING INTO THE MYCRA PTY LTD ”NO FRILLS“ PRODUCT, YOU;

1. MUST ALSO COMPLY WITH THE MYCRA PTY LTD GENERAL TERMS AND CONDITIONS.
2. AGREE TO MAKE FULL PAYMENT OF YOUR CREDIT RATING REPAIR FEES UPFRONT
3. UNDERSTAND THAT IF MYCRA PTY LTD IS ABLE TO PROCEED TO STAGE 2 WITH THE APPLICATION, THAT NO REFUNDS WILL BE MADE TO YOU.
4. UNDERSTAND THAT THIS PRODUCT IS "NO FRILLS" WHICH EXCLUDES CUSTOMER SERVICE, SUPPORT, THE MYCRA ONLINE TRACKING SYSTEM, AND UPDATE CALLS.
5. TELEPHONE CALLS TO OUR OFFICE REQUESTING A PERSONAL UPDATE ON YOUR MATTER MAY ATTRACT OUR UPDATE FEE OF $41.87 PER CALL.

BY ENTERING INTO THE MYCRA PTY LTD “PREMIUM” PRODUCT, YOU;

1. MUST ALSO COMPLY WITH THE MYCRA PTY LTD GENERAL TERMS AND CONDITIONS.
2. AGREE TO MAKE FULL PAYMENT OF YOUR CREDIT RATING REPAIR FEES UPFRONT OR ENTER INTO A 52 WEEK PAYMENT PLAN
3. UNDERSTAND THAT IF MYCRA PTY LTD IS ABLE TO PROCEED TO STAGE 2 WITH THE APPLICATION, THAT NO REFUNDS WILL BE MADE TO YOU.
4. ACCEPT THAT BY PROVIDING US WITH YOUR CREDIT CARD OR DEBIT CARD OR BANK ACCOUNT DETAILS YOU SPECIFICALLY AUTHORISE US TO DEBIT ANY AND ALL FEES DUE FOR ANY PAYMENT THAT ARE OUTSTANDING. THESE FEES WILL BE AUTOMATICALLY DEBITED FROM YOUR ACCOUNT 7 DAYS AFTER THE FEE BECOMES DUE. N YOUR “PREMIUM” PRODUCT AND IS DESIGNED TO PROVIDE YOU WITH THE MOST RECENT STATUS OF YOUR MATTER.

BY ENTERING INTO THE MYCRA PTY LTD “PREMIUM 52 WEEK INTEREST FREE PAYMENT PLAN” PRODUCT, YOU;

1. MUST ALSO COMPLY WITH THE MYCRA PTY LTD GENERAL TERMS AND CONDITIONS.
2. WILL BE REQUIRED TO PAY A DEPOSIT OF $500.
3. WILL BE REQUIRED TO MAKE UP TO 52 WEEKLY PAYMENTS 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.
4. UNDERSTAND THAT A MISSED PAYMENT FEE OF $55 WILL BE DEBITED TO YOUR ACCOUNT IN THE EVENT THAT AN INSTALMENT IS MISSED.
5. UNDERSTAND THAT ONCE YOUR DEPOSIT HAS BEEN RECEIVED AND ACCEPTED BY US, WE WILL ALSO REQUIRE AT MINIMUM; YOUR FULLY AND CORRECTLY COMPLETED ASSESSMENT FORM, YOUR DIRECT DEBIT REQUEST FORM AND YOUR CURRENT APPLICABLE CREDIT FILES, AND; UPON RECEIPT OF THESE DOCUMENTS WE WILL START THE ASSESSMENT OF YOUR APPLICATION TO STAGE 2.
6. UNDERSTAND THAT ONCE YOUR FILE IS ACCEPTED TO STAGE 2, THE INVESTIGATION AND NEGOTIATION PROCESS (STAGE 2A) WILL ONLY COMMENCE ON YOUR FILE ONCE WE HAVE RECEIVED ALL DOCUMENTS NECESSARY FOR THE INVESTIGATION AS DESCRIBED IN THE MYCRA GENERAL TERMS
7. ACKNOWLEDGE THAT IF YOUR FILE PROGRESSES TO THE POINT WHERE YOUR DEFAULT/LISTING IS SCHEDULED FOR REMOVAL AND YOU HAVE NOT PAID THE FULL BALANCE OF YOUR PAYMENT PLAN, THE TOTAL AMOUNT UNPAID WILL CONTINUE TO BE DEBITED AS PER YOUR WEEKLY SCHEDULE.
8. UNDERSTAND THAT IF YOU PAY OUT YOUR WEEKLY INTEREST FREE PAYMENT SCHEDULE PRIOR TO THE FULL TERM, NO DISCOUNTS WILL APPLY.
9. ACKNOWLEDGE THAT BY SIGNING THE DIRECT DEBIT AUTHORITY AND OR THE INTEREST FREE PAYMENT PLAN AGREEMENT, YOU ARE ACKNOWLEDGING THAT YOU ARE BOUND BY THESE TERMS AND CONDITIONS AND NO VARIATION OR WAIVER REQUEST WILL BE ENTERTAINED.

BY ENTERING INTO THE MYCRA PTY LTD “NO WIN – NO FEE” UPGRADE PRODUCT, YOU;

1. ACKNOWLEDGE THE APPLICATION FEE IS NON-REFUNDABLE.
2. UNDERSTAND THAT THIS OPTION IS AVAILABLE ON “PREMIUM” PRODUCT LEVEL AND ABOVE
3. UNDERSTAND THAT THIS OPTION IS PURCHASED ON A PER SPECIFIED LISTING BASIS AND CANNOT BE TRANSFERRED
4. UNDERSTAND THAT IN THE EVENT MYCRA DOES NOT RECEIVE REMOVAL ADVICE FROM YOUR CREDITOR , YOU WILL BE DUE TWICE THE “NO WIN – NO FEE” APPLICATION FEE RECEIVED BY US.
5. UNDERSTAND THAT SHOULD YOU WISH TO CANCEL THE CREDIT RATING REPAIR APPLICATION THAT NO REFUNDS WILL BE MADE.
6. UNDERSTAND THAT A REFUND WILL ONLY BE PROCESSED FOR LISTINGS THAT DO NOT REACH STAGE 3 OF THE APPLICATION PROCESS.

BY ENTERING INTO THE MYCRA PTY LTD “EASY START PAYMENT PLAN” PRODUCT, YOU;

1. MUST ALSO COMPLY WITH THE MYCRA PTY LTD GENERAL TERMS AND CONDITIONS.
2. MAY BE REQUIRED TO PAY A DEPOSIT.
3. WILL BE REQUIRED TO MAKE UP TO 52 WEEKLY PAYMENTS 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.
4. UNDERSTAND THAT A MISSED PAYMENT FEE OF $55 WILL BE DEBITED TO YOUR ACCOUNT IN THE EVENT THAT AN INSTALMENT IS MISSED.
5. UNDERSTAND THAT ONCE YOUR DEPOSIT HAS BEEN RECEIVED AND ACCEPTED BY US, WE WILL ALSO REQUIRE AT MINIMUM; YOUR FULLY AND CORRECTLY COMPLETED ASSESSMENT FORM, YOUR DIRECT DEBIT REQUEST FORM AND YOUR CURRENT APPLICABLE CREDIT FILES, AND; UPON RECEIPT OF THESE DOCUMENTS WE WILL START THE ASSESSMENT OF YOUR APPLICATION TO STAGE 2.
6. UNDERSTAND THAT ONCE YOUR FILE IS ACCEPTED TO STAGE 2, THE INVESTIGATION AND NEGOTIATION PROCESS (STAGE 2A) WILL ONLY COMMENCE ON YOUR FILE ONCE WE HAVE RECEIVED ALL DOCUMENTS NECESSARY FOR THE INVESTIGATION AS DESCRIBED IN THE MYCRA GENERAL TERMS
7. ACKNOWLEDGE THAT IF YOUR FILE PROGRESSES TO THE POINT WHERE YOUR DEFAULT/LISTING IS SCHEDULED FOR REMOVAL AND YOU HAVE NOT PAID THE FULL BALANCE OF YOUR PAYMENT PLAN, THE TOTAL AMOUNT UNPAID WILL CONTINUE TO BE DEBITED AS PER YOUR WEEKLY SCHEDULE.
8. UNDERSTAND THAT IF YOU PAY OUT YOUR WEEKLY INTEREST FREE PAYMENT SCHEDULE PRIOR TO THE FULL TERM, NO DISCOUNTS WILL APPLY.
9. ACKNOWLEDGE THAT BY SIGNING THE DIRECT DEBIT AUTHORITY AND OR THE INTEREST FREE PAYMENT PLAN AGREEMENT, YOU ARE ACKNOWLEDGING THAT YOU ARE BOUND BY THESE TERMS AND CONDITIONS AND NO VARIATION OR WAIVER REQUEST WILL BE ENTERTAINED.

BY ENTERING INTO THE MYCRA PTY LTD “JUDGMENT” PRODUCT, YOU;

1. MUST ALSO COMPLY WITH THE MYCRA PTY LTD GENERAL TERMS AND CONDITIONS.
2. AGREE TO PAY A JUDGMENT ASSESSMENT FEE OF $997
3. UNDERSTAND THAT ONCE YOUR APPLICATION FEE HAS BEEN RECEIVED AND ACCEPTED BY US, WE WILL ALSO REQUIRE;
   
   1. YOUR FULLY AND CORRECTLY COMPLETED ASSESSMENT FORM,
      
   2. YOUR SIGNED AND DATED PRODUCT INFORMATION STATEMENT AND;
      
   3. YOUR CURRENT APPLICABLE CREDIT FILES, AND WHERE APPLICABLE;
      
   4. SIGNED NOTICE OF DISCONTINUENCE OR OTHER DOCUMENTS FROM YOUR CREDITOR OR THEIR AGENT OR SOLICITOR SPECIFIC TO HAVE YOUR CREDIT FILE LISTING REMOVED; or
      
   5. SEALED DOCUMENTS FROM AN AUSTRALIAN COURT SPECIFIC TO HAVING YOUR CREDIT FILE JUDGMENT LISTING REMOVED.
      
   UPON RECEIPT OF THESE DOCUMENTS WE WILL START THE ASSESSMENT OF YOUR APPLICATION TO STAGE 2.
4. UNDERSTAND THAT IF MYCRA PTY LTD IS ABLE TO PROCEED TO STAGE 2 WITH YOUR APPLICATION THAT THIS CONSTITUTES ACCEPTENCE OF YOUR AGREEMENT AND NO REFUNDS WILL BE MADE TO YOU.
5. ACCEPT THAT ADDITIONAL FEES MAY BE REQUIRED ONCE YOUR APPLICATION IS ASSESSED AND ACCEPTED TO STAGE 2 DIRECTLY RELATING TO THE DOCUMENTS YOU HAVE OR HAVE NOT SUPPLIED WITH YOUR APPLICATION AS ADVISED IN TERM 3.
6. WILL BE CREDITED $735.10 TOWARDS MYCRA PTY LTD STANDARD APPLICATION FEES OF $2732.10 IF YOU COMPLY WITH TERM 3(d)
7. WILL BE CREDITED $1735.10 TOWARDS MYCRA PTY LTD STANDARD APPLICATION FEES OF $2732.10 IF YOU HAVE COMPLIED WITH TERM 3(e)
8. ACCEPT THAT IF THE DOCUMENTS MENTIONED IN TERM 3(d) OR TERM 3(e) ARE NOT PROVIDED WITH YOUR COMPLETED ASSESSMENT FORM AND SIGNED PRODUCT INFORMATION STATEMENT OR ARE NOT FULLY COMPLETED OR ARE IN SOME WAY DEFICIENT THAT NO CREDIT WILL BE PROVIDED SPECIFIC TO THAT DOCUMENT AND YOUR FILE MAY OR MAY NOT PROCEED TO STAGE 2 AT THE SOLE DISCRETION OF MYCRA PTY LTD
9. AGREE TO PAY ALL OUTSTANDING FEES AFTER ANY CREDIT HAS BEEN ISSUED AND YOUR APPLICATION IS ACCEPTED TO STAGE 2
10. ACCEPT THAT BY PROVIDING US WITH YOUR CREDIT CARD OR DEBIT CARD OR BANK ACCOUNT DETAILS YOU SPECIFICALLY AUTHORISE US TO DEBIT ANY AND ALL FEES DUE FOR ANY PAYMENT THAT ARE OUTSTANDING. THESE FEES WILL BE AUTOMATICALLY DEBITED FROM YOUR ACCOUNT 7 DAYS AFTER THE FEE BECOMES DUE IN YOUR “JUDGMENT” PRODUCT