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Terms of Use

​​1. Acceptance of Terms

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This website is owned and operated by MCRH Pty Ltd (ABN 89 677 410 909) trading as Edit Credit ("we", "our", "us"). By accessing or using www.editcredit.com.au, you agree to be bound by these Terms of Use. If you do not agree, you must cease using the website immediately.

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2. No Financial or Legal Advice

 

The content on this website is provided for general informational purposes only. It does not constitute financial, legal, or credit advice. Edit Credit is not a law firm and does not provide legal advice or legal representation in any court or tribunal. You should seek independent professional advice tailored to your specific circumstances before taking any action based on the information provided on this site.

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3. Conflict of Interest & Sole Agency

 

If you choose to engage our services, you acknowledge that we act as your sole agent regarding matters pertaining to your personal or commercial credit and debt circumstances. To ensure the effectiveness of our services:

  • You must disclose if you are currently working with another credit repair agency or debt negotiator.

  • Concurrent engagement of multiple agents for the same credit matters may result in our inability to provide services or the refusal of third parties to negotiate.

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4. Accuracy of Information

 

While we take reasonable care to ensure the information on this website is accurate and up-to-date, we do not warrant its completeness or accuracy. Credit reporting laws and policies in Australia are subject to change. Edit Credit is not liable for any errors or omissions in the content of this website.

 

5. Limitation of Liability & No Guarantees

 

To the maximum extent permitted by law, Edit Credit (including its directors, officers, and employees) shall not be liable for any direct, indirect, or consequential loss or damage arising out of your use of this website.

Specifically, you acknowledge that:

  • No Guarantee of Outcome: The removal of credit listings and improvements to credit scores depend on the accuracy of underlying data held by third parties. We do not guarantee that any specific listing will be removed or that your credit score will increase as a result of our services.

  • Third-Party Actions: We are not responsible for the decisions made by Credit Reporting Bodies (CRBs), lenders, or regulators.

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6. Intellectual Property

 

All content on this website, including text, graphics, logos, and software, is the property of MCRH Pty Ltd or its content suppliers and is protected by Australian and international copyright laws.

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7. External Links

 

This website may contain links to third-party websites (such as AFCA, the OAIC, or CRBs). We have no control over the content or privacy practices of these sites and do not accept responsibility for them.

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8. Governing Law

 

These Terms of Use are governed by and construed in accordance with the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland for any disputes arising out of these terms.

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