Terms of Use
Credit Climb 83 627 936 903 is registered under Chiquissimo Pty Ltd ACN 627 936 903.
When using any aspect of the Website, you must comply with the following Terms of Use.
Website Terms of Use
By accessing and using the Website, you acknowledge and agree to abide by these Terms of Use. If you do not agree with these terms, please exit the Website immediately.
Credit Climb agrees to provide access to the Website on an “as is” basis in a manner consistent with these Terms of Use. We make no warranties as to its use or applicability for any other purpose. This includes, but is not limited to all content, software, material, and information contained on the Website.
In using the Website, you agree that you will not:
provide Credit Climb with any information that is inaccurate, misleading or incomplete, including but not limited to, information relating to your identity and your financial position;
violate any applicable laws;
use the Website for an unlawful purpose; and
distribute viruses, spyware, corrupted files, or any other similar software or programs that may damage the operation of any computer hardware or software.
Credit Climb and its affiliates will not be liable for any damages, real or assumed, direct or indirect, punitive or consequential incurred as a result of the use of the Website, or the information or materials contained within the Website. This includes, but is not limited to, any loss of income or profits, damages to third parties, contractual responsibilities, negligence or any tort.
Credit Climb, along with its officers, directors, owners, agents, employees, and information providers, make no representations or warranties regarding the content of the Website, its functionality, or operation. The content is provided for illustrative purposes and general information only. It should not be construed as specific advice, and you should seek professional guidance from a qualified expert before making any financial decisions.
You agree to indemnify, defend, and hold Credit Climb and all its officers, directors, owners, agents, employees, information providers, and affiliates ("Indemnified Parties") harmless from any liability and costs incurred by the Indemnified Parties due to any breach of these Terms of Use by you, including legal fees and costs. You shall fully cooperate in the defense of any claim.
Certain sections of the Website may contain legal information aimed at aiding your understanding of the credit repair process. This information constitutes legal information, not legal advice.
Credit Climb advises consulting with a lawyer or relevant professional to ensure that our information and your interpretation thereof are suitable for your specific circumstances.
Where hypertext links to or from third-party sites are provided, they are purely for convenience and informational purposes. We do not endorse, review, approve, or control such sites, their content, or the third parties associated with them. Linking to any other site is at your own risk, and we accept no liability for any damages associated with linking.
We reserve the right to modify the Website, including its features, content, and availability, at any time without notice or liability. We may also impose limitations on certain features and services or restrict access to parts or the entire Website without notice or liability.
Services
By submitting your details on the Website and clicking submit, you authorize Credit Climb to act as your agent in exercising your rights to access all of your individual and commercial credit information held by any credit reporting agency. This authorization applies in connection with any credit application you make or advice you seek regarding credit.
The terms of engagement with Credit Climb will be provided to you upon deciding to engage our services.
In cases where a broker interacts with a client of Credit Climb, both the broker and the client provide Credit Climb with irrevocable authority to engage in full and frank disclosures with their broker. This includes authorizing Credit Climb to request (or provide) any client details or other necessary information from their broker. The broker warrants that they have obtained permission from the client for Credit Climb to update the client’s broker simultaneously, either prior to or following an update provided to the client by Credit Climb.
Credit Climb does not provide loans, legal, or financial advice. We act solely as your representative. Individual requirements are subject to external responsible lending guidelines and adherence to the lender’s internal credit assessment criteria.
Credit Report
You have the right to dispute inaccurate information in your credit report by directly contacting the credit provider and/or the credit reporting agency. However, neither you nor any credit restoration organization have the right to demand the removal of fair, accurate, current, and verifiable information from your credit report. Fees may apply for this service.
You have the right to obtain a copy of your credit report from a credit agency, subject to reasonable fees.
You may independently notify a credit agency in writing to dispute the accuracy of information in your credit file. The credit agency must then conduct a reinvestigation and modify or remove inaccurate or incomplete information. No fee may be charged for this service. Relevant information and copies of all documents concerning an error should be provided to the credit agency.
If the credit agency’s reinvestigation fails to resolve the dispute to your satisfaction, you may submit a brief statement to the credit agency for inclusion in your file. The credit agency must include a summary of your statement regarding disputed information with any report issued about you.
Copyright and Intellectual Property
The Website is protected by copyright laws and other intellectual property rights. You are authorized to access, download, archive, and print content from the Website for personal, non-commercial use only. Any alteration or removal of trademarks, copyrights, or other proprietary notices is prohibited.
All materials on the Website are copyrighted and owned or controlled by Credit Climb or the content provider credited. You must comply with all copyright notices, information, or restrictions contained in any content on the Website. Permission is granted to view and save Website materials for personal reference only. Copying or storing content for purposes other than personal, non-commercial use is expressly prohibited without prior written permission from Credit Climb or the identified copyright holder.
You may not modify, copy, distribute, republish, or upload Website materials without prior written consent. No intellectual property or other rights are transferred to you through your use of the Website.
Marketing
By accessing the Website, you agree to receive marketing materials via email from Credit Climb. If you wish to discontinue this service, please email us at contact@creditclimb.com.au to opt out. Upon your request, we will endeavour to remove your contact details from our database. Until you opt out, Credit Climb may contact you using the contact details you provided when accessing the Website.
Other Policies
Credit Climb’s Privacy Policy, Complaints Handling Policy, and Disclaimer are integral components of these Terms of Use.
Severability
If any provision of these Terms of Use is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia.
General
These Terms of Use constitute the entire agreement between us regarding the Website. No oral or written representations outside of these Terms of Use shall bind either party.
We reserve the right to amend, modify, add, or remove any portion of these Terms of Use at any time, without notification, at our sole discretion.