Terms of Service

Please read these Terms of Service carefully as they contain important information about your legal rights, remedies and obligations. By accessing or using this website (“Site”), you agree to comply with and be bound by these Terms of Service.

If You accept or agree to these Terms on behalf of a company or other legal entity, You represent and warrant that You have the authority to bind that company or other legal entity to these Terms and, in such event, “You” and “Your” will refer and apply to that company or other legal entity. You and Pixel Brands Pty Ltd (“Debtco” or “We”) may each be referred to as “Party” and together as “Parties”.

By using the Site, you represent that you are at least 18 years of age or older. If you are under 18 years old, you may not use the Site. Debtco reserves the right to refuse service, terminate or suspend your access to the Site at any time in its sole discretion.

Services:
Debt.co provides a referral service that connects financial service providers in Australia (each a “Service Provider”) with consumers to try to help them with financial issues (“Services”). Services are rendered from Australia.

Acknowledgements:
You acknowledge that:

  1. Debtco is not a lendor or creditor, and we don’t provide legal or financial advice;
  2. Service Providers are independent third parties who may have entered into a referral agreement with Debtco and from whom Debtco may be receiving a compensation for referrals. By using the Services you acknowledge that you are aware of the relationship between Debtco and Service Providers. Service providers of the services may charge fees and have their own terms of service and privacy policy;
  3. Debtco does not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. Debtco does not validate, investigate or make any representations regarding the licensing, certification or other requirements and qualifications of Service Providers or the level of service they will provide. You are solely responsible to research and ultimately choose to work with a Service Provider. We encourage you to consult with your financial and/or tax advisor prior to making any decisions. We also recommend that you compare services and costs with other companies while performing your own research and due diligence, especially since each individual’s financial positions, circumstances and needs are unique;
  4. Service Providers are solely responsible for any services that they may provide to you and that Debtco is not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers;
  5. Debtco and Service Providers’ products, solutions and service are only a sample of the offerings which may be available in the marketplace.
  6. Debtco may be receiving compensation or other benefits from Service Providers, advertisers (including Ads through sites such as Google) on the Site,

You acknowledge and agree that Debtco does not provide any guarantees as to outcome and whether or not a Service Provider will be able to effectively assist you with your financial issues.

Privacy:
Please review our Privacy Policy, which can be found at /privacy-policy/ and also governs your use of the Site; in order to understand our practices with regard to information we collect about you through your use of the Site including email and text message communications.

Copyright:
All content on the Site, such as text, graphics, logos, button icons and images (“Content”), is the property of Debtco or its content suppliers and is protected by Australia and international copyright laws. The composition, selection, arrangement, and presentation of all materials on the Sites (including information in the public domain), and the overall design of Sites, is the exclusive property of Debtco and protected by Australia and international copyright laws. You acknowledge and agree that the Site, Services and content, including all associated intellectual property rights, are the exclusive property of Debtco and its licensors. Except for the limited right to use the Site and Services set forth in these Terms of Use, no other rights are granted and all rights are reserved.

Copyright Notice and Take-Down Policy:
Notice of Infringement.
Debtco respects copyright laws. As such, Debtco adheres to the following notice and take down policy, in full compliance with Section 512(c)(3) of the DMCA (17 U.S.C. § 512 et seq.). If You believe any Site content infringes upon Your intellectual property rights, please submit a notification alleging such infringement (hereafter a “DMCA Takedown Notice”). To be valid, a DMCA Takedown Notice must (i) be provided to Debtco’s designated agent (“Copyright Agent”), as set forth below, and (ii) include the following:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to be infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works;
  • Identification of the material claimed to be infringed or to be the subject of infringing activity and that is to be removed or access disabled and information reasonably sufficient to permit the service provider to locate the material;
  • Information reasonably sufficient to permit the service provider to contact You, such as an address, telephone number, and, if available, an electronic mail address;
  •  A statement that You have a Merchandise faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement that, under penalty of perjury, the information in the notification is accurate and that You are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.

Debtco’s Copyright Agent to receive DMCA Takedown Notices is: help@debt.co. For clarity, only DMCA Takedown Notices should go to the Copyright Agent; any other feedback, comments, online purchases or other communications should be directed to the applicable customer service links posted on the Service. You acknowledge that for Debtco to be authorized to takedown any content, Your DMCA Takedown Notice must comply with all of the requirements of this Section.
Counter-Notice.

If You believe that Your content was removed or disabled by mistake or misidentification, You can send us a written counter-notification that includes the following: Email Your counter-notice to help@debt.co.
Include ALL of the following:

  • Your name, address, and telephone number.
  •  The source address of the content that was removed (copy and paste the link in the notification email).
  • A statement under penalty of perjury that You have a good faith belief that the content was removed in error.
  •  A statement that You consent to the jurisdiction of the Australian Court for the judicial district in which You are located, and that You will accept service of process from the person who originally provided Debtco with the Notice.
  • A physical or electronic signature (for example, typing Your full name).

Trademarks:
Debtco, all Debtco product names are trademarks or registered trademarks of Debtco. Other parties’ trademarks referenced are the property of their respective owners.

License and Site Access:
Debtco grants you a non-exclusive limited license to access and make personal use of the Site and not to download, all or any portion thereof (other than temporary page caching) or modify it, or any portion of it, except with the express written consent of Debtco. This license does not include the right to any resale or commercial use of the Site or its Content; any derivative use of the Site or its Content; any downloading or copying of Content for the benefit of any other person or entity; or any use of data mining, robots or similar data gathering and extraction tools. Neither the Site nor any portion of the Site may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Debtco. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of the Sites or any Content without our express written consent. You may not use any meta tags or any other “hidden text” utilizing Debtco’s name or trademarks without our express written consent. You may not introduce or make available in any manner software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of the Sites or any computer software, hardware or telecommunications equipment of Debtco or the visitors to the Site. You may not interfere with or disrupt the provision of the Site by Debtco or the servers or networks connected thereto. You may not collect or store personal data about other users of these Sites. Any unauthorised use or attempts to use the Site in an unauthorized manner terminates the permission granted by Debtco to use the Site hereby.

Your Personal Information:
When registering to use the Site, or contacting Debtco through the Site, you agree to provide accurate and complete information and, in the case of registration, to keep this information current and complete. You are solely responsible to ensure that your use of the Sites is in compliance with applicable law.

You authorize Debtco to share your information with Service Providers for the sole purpose of Service Providers being able to contact you in a view to provide their services to you directly.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

THIS SITE IS PROVIDED BY DEBTCO ON AN “AS IS” AND “AS AVAILABLE” BASIS. DEBTCO MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, AS TO THE OPERATION OF THIS SITE OR THE CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON THESE SITES, OR EMAIL SENT FROM DEBTCO, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, NONINFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR FREEDOM FROM ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS.

YOU EXPRESSLY AGREE THAT YOUR USE OF THESE SITES IS AT YOUR SOLE RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR THE ACCURACY OF THE INFORMATION THAT YOU PROVIDE AND FOR ANY FINANCIAL DECISIONS YOU MAKE PURSUANT TO THE USE OF THE SITE.

DEBTCO (AS WELL AS ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, SUPPLIERS AND STOCKHOLDERS) WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE, OR FOR DISRUPTIONS IN SERVICE ON THE SITE, REGARDLESS OF THE CAUSE, INCLUDING (WITHOUT LIMITATION) DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES, WHETHER BASED ON CONTRACT, TORT OR OTHER FORM OF ACTION, EVEN IF DEBTCO HAS BEEN ADVISED OF POSSIBILITY OF SUCH DAMAGES. DEBTCO IS NOT RESPONSIBLE FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. DEBTCO MAKES NO CLAIMS, REPRESENTATIONS OR GUARANTEES REGARDING OUTCOME, QUOTES, FEES, TERMS, RATES, COVERAGE OR QUALITY OF SERVICES OFFERED OR MADE AVAILABLE BY SERVICE PROVIDERS. NOR DOES DEBTCO GUARANTEE THAT QUOTES, FEES, TERMS, RATES, COVERAGE OR SERVICES OFFERED BY SERVICE PROVIDERS ARE THE BEST AVAILABLE.

Maximum Liability. IN NO EVENT WILL THE LIABILITY OF DEBTCO, ITS OFFICERS, DIRECTORS AND PERSONNEL AND STOCKHOLDERS EXCEED THE MONIES RECEIVED BY DEBTCO FOR THE SERVICES PROVIDED TO YOU DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING ANY CLAIM. THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE OR EXTEND THIS LIMIT.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Changes in Services.
We may suspend or discontinue any part of the Services, the Site or the App or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Services or the Site. We’ll try to give You notice when we make a material change to the Services or the Site that would adversely affect You, but this isn’t always practical.
Similarly, we reserve the right to remove any Content from the Services at any time, for any reason (including, but not limited to, if someone alleges You contributed that Content in violation of these Terms), in our sole discretion, and without notice.

Changes to these Terms:
Debtco reserves the right to make changes to the Site (including, without limitation, discontinuing the Site or the services offered on the Site) and these Terms of Use at any time, with or without prior notice. We will always include the date these terms were revised on the top of these Terms. Changes to these Terms will be effective at the time of posting. Your continued access or use of the Site will constitute acceptance of the modified Terms. If any term or condition of these Terms of Use shall be deemed invalid, void or for any reason unenforceable, that term or condition shall be deemed severable and shall not affect the validity and enforceability of any remaining term or condition.

Consent:
By submitting your contact information to Debtco, you are expressly consenting (i) to Debtco sharing your contact information with Service Providers and (ii) to be contacted by us or by one or more Service Providers and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution. You may withdraw such consent for any future use by sending us an email to help@debt.co. You acknowledge and understand that withdrawal of consent will only apply to future sharing of your information.

Termination:
You’re free to stop using the Services at any time terminate these Terms by sending us a termination email to help@debt.co. Such termination will not affect any information already shared with Service Providers pursuant to your initial consent. In order to ensure that your information is no longer used by Service Providers you will need to contact the Service Provider(s) directly.
Please refer to our Privacy Policy, as well as the licenses above, to understand how we treat information You provide to us after You have stopped using our Services. We are also free to terminate (or suspend access to) Your use of the Services, for any reason in our discretion, including Your breach of these Terms. Termination may result in destruction of any Content associated with Your account, so keep that in mind before You decide to terminate Your account.
Provisions that, by their nature, should survive termination of these Terms shall survive termination.

Links to Other Websites:
This Site may contain hyperlinks to other websites (“Links”). Debtco is providing these Links to you only as a convenience, and the inclusion of any Link does not imply endorsement by Debtco of the other website or of any products or services offered or information provided on the site or any association between Debtco and the other sites’ operators. Debtco is in no manner responsible or liable for the availability or content of the websites to which these Sites are linked or products or services you may purchase from such sites. Debtco makes no representations or warranties whatsoever about any other site you may access through our Sites.
You agree not to use any of the information on these Sites, including, without limitation, the email addresses that are posted here, to transmit, distribute or facilitate the distribution of unsolicited bulk email or other such advertisements or solicitations to Debtco or any of its employees, agents or suppliers, and any such use of the information on these sites is a violation of these Terms.

Geographic Consideration:
The Site is based in the Australia. The Service is rendered by Debtco with an address at Level 26, 1 Bligh St, Sydney NSW 2000. Access to the Site may not be legal by certain persons or in certain countries. If You access the Site from outside Australia, You do so on Your own initiative and are responsible for compliance with local laws. Access to the Site from territories where the Site or any of its services or products are illegal is prohibited. You acknowledge that You remain responsible at all times for Your compliance with Australian and all applicable export and related statutes and regulations.

Communication:
All notices, requests, and other communications will be sent to Your email address provided herein or by text message if you provide mobile telephone number, and if to Debtco to the email address help@debt.co or to any other addresses as either party may specify to the other in writing. Notice is made when received. You consent to receive communications from us and Service Providers, including email, text messages, calls, and push notifications, including for the purposes of notifying You about the status of Your referral, sending You reminders, facilitating secondary authentication, and providing other information. We may contact You by telephone calls,  text messages or email messages, including by an automatic telephone dialing system, at any of the telephone numbers provided by You and emails to the email address You provide. Standard message and data rates charged by Your mobile carrier may apply to the text messages we and/or the Service Provider(s)send You. You may opt out of receiving communications by following the unsubscribe procedures provide to You by the sender (i.e. Debtco or the Provider(s)). In the case of text messages, You may opt out by replying “STOP” to a text message You receive from us or by emailing help@debt.co.

Applicable Law:
Debtco’s failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. These Terms of Use and the relationship between you and Debtco shall be governed by the laws of the State of New York without regard to its conflict of law principles.

Agreement to Arbitrate and Class Action Waiver:
We encourage You to contact Us at help@debt.co in the event of any disputes. If we can’t resolve a dispute through Customer Service, You and us agree to resolve any claims relating to the Terms, the Privacy Policy, or the Services through final and binding arbitration. This applies to all kinds of claims under any legal theory. It also applies even after You have stopped using the Services or terminated these Terms.

An arbitration proceeding is before a neutral arbitrator instead of a judge and jury, so we are all giving up our right to a trial before a judge and jury. Arbitrations have different rules than lawsuits in court. They are less formal than lawsuits in courts, and provide limited opportunity to force the other side to share information relevant to the dispute—a process called discovery. The arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. But, if any of us does not like the arbitrator’s decision, the courts only have a limited ability to change the outcome of arbitration or make the arbitrator reconsider his or her decision. If we have a dispute about whether this agreement to arbitrate can be enforced or applies to our dispute, we all agree that the arbitrator will decide that, too. Any arbitration will take place in Sydney, Australia.

The arbitration will be administered by Australian Arbitration Association under its Commercial Arbitration Rules. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The cost of arbitration shall be borne by the non-prevailing party.

Our Address:
Pixel Brands Pty Ltd T/A Debtco
Level 26, 1 Bligh St,
Sydney NSW 2000
Website: www.Debt.co