Default Gone — Service Agreement (v1.1)

1. Parties

This agreement is between Austech Online (ABN 82 307 630 720), trading as Default Gone (referred to as "we", "us", "our"), and the consumer identified on the case record (referred to as "you", "your"). It takes effect when you sign it electronically by typing your full legal name and ticking the binding-acknowledgement checkbox on the sign-up page.

2. Scope

You are engaging us to review, prepare, and formally lodge dispute correspondence in respect of one or more default listings on your Australian credit file ("the listings"). The exact listings covered are those identified on your case record at the time of engagement.

3. Fee

Our fee is A$399 per consumer per default listing. The fee is a flat, fixed amount. There are no stage fees, no success fees, and no contingency uplift. The fee is due on engagement and is invoiced to you separately. Where two consumers are jointly named on the same underlying debt, each consumer must engage us separately, because each credit file requires its own dispute and its own authority.

4. What we do

Review the facts and documentation of each listing for grounds available under the Privacy Act 1988 (Cth), Part IIIA, and the Credit Reporting Privacy Code 2014.
Prepare formal dispute correspondence on your behalf.
Lodge that correspondence with the relevant credit provider, credit reporting body, and where appropriate the original creditor or assignee.
Track each dispute through the statutory 30-day response window.
Where the credit provider declines to remove or amend the listing, escalate the dispute through the external review pathways available to you under Australian credit-reporting law.

5. What we do not do

We are not a law firm and we do not provide legal advice. We are a consumer-advocacy service. The information and assistance we provide do not constitute legal or financial advice, and you should obtain your own advice from a qualified professional where appropriate.

6. No promise of removal

We cannot and do not promise that any particular listing will be removed or amended. Outcomes depend on the underlying facts, the documentation available, and the response of the credit provider and the credit reporting body. Our fee is for the work we perform, not the outcome.

7. Authority granted to us

By signing this agreement you authorise us to:

Draft and lodge dispute correspondence on your behalf.
Correspond with credit providers, credit reporting bodies, BNPL providers, telecommunications providers, debt collectors, and assignees, in respect of the listings.
Request and receive credit reports and supporting documentation in respect of the listings.
Escalate the dispute through the external review pathways available to you under Australian credit-reporting law.

This authority continues until you terminate this agreement in writing or the matter is resolved.

8. Your obligations

You agree to:

Provide truthful and accurate information during intake.
Respond promptly to requests we make for documents or clarification.
Notify us promptly of any change to your contact details, address, or financial circumstances relevant to the listings.
Not, during the engagement, lodge a duplicate dispute through another channel without first notifying us.

9. Refunds and cancellation

9.1 No cooling-off period applies to this engagement. The Privacy Act 1988 (Cth) Part IIIA framework does not impose a statutory cooling-off period on consumer-advocacy engagements of this kind, and Default Gone does not voluntarily provide one.

9.2 The engagement fee of A$399 per consumer per default listing is payable on engagement and is non-refundable, save as required by paragraph 9.5.

9.3 If the consumer terminates the engagement at any time after payment — for change of mind, change of circumstances, or any reason whatsoever — no refund is owed.

9.4 If Default Gone terminates the engagement because the consumer has provided materially incomplete, inaccurate or misleading information, or because the consumer has lodged the same dispute through another channel during the engagement period, no refund is owed and Default Gone retains the engagement fee in full to cover work performed.

9.5 Nothing in this Agreement excludes, restricts or modifies any consumer guarantee or right that cannot lawfully be excluded under applicable Australian law. Where any such right entitles the consumer to a refund or compensation, that right takes precedence.

9.6 Acknowledgement. By signing this Agreement, the consumer acknowledges that:

they have had the opportunity to read and consider the entire Agreement before signing;
the engagement fee is non-refundable;
outcomes are not promised; and
they are signing of their own free will, without pressure, and after engaging with our 24/7 AI advisor or reviewing the public methodology at /how-we-work/.

10. Termination

Either party may terminate this agreement in writing at any time. Where you terminate after we have begun work, no refund is owed; refund eligibility is governed by clause 9 above and by your rights under the Australian Consumer Law.

11. Communications

We will communicate with you by email, SMS, voice (24/7 AI advisor), and through your case-dashboard portal. You may opt out of email or SMS at any time without affecting the engagement. The case-dashboard portal remains available for case status updates regardless of your messaging preferences.

12. Data retention

We retain your case records, signed agreement, and supporting documentation for a period of seven years, in line with Australian record-keeping requirements. After that period the records are securely destroyed unless we are required by law to retain them for longer.

13. Governing law

This agreement is governed by the laws of New South Wales, Australia. The parties submit to the non-exclusive jurisdiction of the courts of New South Wales.

14. Consumer guarantees

Nothing in this agreement excludes, restricts, or modifies any consumer guarantee, right, or remedy that you have under the Competition and Consumer Act 2010 (Cth) or any other applicable law that cannot lawfully be excluded.

15. Signature

You sign this agreement electronically by typing your full legal name on the sign-up page and ticking the binding-acknowledgement checkbox. The system records the typed name, a timestamp, your IP address, your browser user-agent, and a tamper-detection checksum, and emails you a signed copy.

By signing the service agreement at the sign-up page you agree to the version of this document that was in effect at the time of signing. We retain a copy of the version-and-hash you signed against in your case record for seven years.