Terms and Conditions

These terms and conditions (the "Terms and Conditions") govern the use of billie.loans (the "Site"). This Site is owned and operated by Billie Loans Pty Ltd ACN 679 740 973 ("Billie", "we", "our").

By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.

1. Intellectual Property

All content published and made available on our Site is the property of Billie Loans Pty Ltd and the Site's creators. This includes, but is not limited to, images, text, logos, documents, downloadable files, and anything that contributes to the composition of our Site.

2. Acceptable Use

As a user of our Site, you agree to use our Site legally and not to:

• Harass or mistreat other users of our Site;
• Violate the rights of other users of our Site;
• Violate the intellectual property rights of the Site owners or any third party to the Site;
• Hack into the account of another user of the Site;
• Act in any way that could be considered fraudulent; or
• Post any material that may be deemed inappropriate or offensive.

If we believe you are using our Site illegally or in a manner that violates these Terms and Conditions, we reserve the right to limit, suspend, or terminate your access to our Site. We also reserve the right to take any legal steps necessary to prevent you from accessing our Site.

3. Accounts

When you create an account on our Site, you agree to:

• Be solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account; and
• Ensure that all personal information you provide to us through your account is up to date, accurate, and truthful, and update your personal information if it changes.

We reserve the right to suspend or terminate your account if you are using our Site illegally or if you violate these Terms and Conditions.

4. Sale of Services

These Terms and Conditions govern the sale of services available on our Site.

The following services are available on our Site:

• Billiepay pay advance: Short-term pay advance as described in Billie's Target Market Determination.

These Terms and Conditions apply to all the services displayed on our Site at the time you access it. All information, descriptions, or images we provide about our services are as accurate as possible. However, we are not legally bound by such information, descriptions, or images as we cannot guarantee the accuracy of all services we provide. You agree to purchase services from our Site at your own risk.

5. Referral Arrangements

Billie does not currently have referral arrangements in place with third parties. However, Billie may establish referral arrangements in the future. Any such arrangements will comply with relevant legal and regulatory requirements and will be disclosed appropriately within these Terms and Conditions or our Privacy Policy.

6. Payments and Payment Processing

Billie does not currently utilise third-party payment processors. However, Billie may use such services in the future to facilitate payments. If payment processors are introduced, this section will be updated to reflect their role and the terms applicable to payment processing. All payment-related activities will comply with relevant legal and regulatory requirements.

7. Privacy and Data Management

We are committed to protecting your privacy and managing your personal information responsibly. For details on how we collect, use, and manage your data, please refer to our Privacy Policy, available on our website.

This includes:

• How consumer data is collected, stored, and shared;
• Information on data aggregation services, if applicable.

Your use of our Site acknowledges that we may collect, use and disclose information (including personal information, where applicable) in accordance with our Privacy Policy.

8. Consumer Protection Law

Where the Australian Consumer Law, Schedule 2 of the Competition and Consumer Act 2010, or any other consumer protection legislation in your jurisdiction applies and cannot be excluded, these Terms and Conditions will not limit your legal rights and remedies under that legislation. These Terms and Conditions will be read subject to the mandatory provisions of that legislation. If there is a conflict between these Terms and Conditions and that legislation, the mandatory provisions of the legislation will apply.

9. Limitation of Liability

Billie Loans Pty Ltd and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities, and expenses, including legal fees, from your use of the Site.

10. Dispute Resolution

Internal Dispute Resolution (IDR)

If you have a complaint, please contact us directly. We will do our best to resolve your issue promptly and fairly. Submit your complaint via:

• Email: complaints@billie.loans

We will acknowledge receipt of your complaint within one business day and aim to resolve it within 30 calendar days per our IDR policy.

Other Legal Rights

Nothing in this Dispute Resolution section limits your rights to bring an action in a court or tribunal of competent jurisdiction.

11. Changes to Terms and Conditions

These Terms and Conditions may be amended from time to time to maintain compliance with the law or reflect changes to the way we operate our Site and services. Changes will be communicated via email or posted on the Site.

Effective Date: 18th December 2024