Legal agreements

Notifications

The most recent updates to the legal documents are as follows.

Things You Need to Know. Updated 10th November, 2016.
What's changed: Information added about monthly account fee introduced for Borrowers; "Payment Protect" section amended (more details, and to reflect Payment Protect Terms changes).

Investor Agreement. Updated 22nd September, 2016.
What's changed: Provisions for auto-lend option added; Harmoney authorised to transfer surplus funds back to Investors; Payment Protect provisions amended (to reflect Payment Protect Terms changes); Investor fee provisions modified; Position of wholesale Investors updated.

Disclosure Statement. Updated 22nd September, 2016.
What's changed: Information about auto-lend added; Payment Protect disclosure amended (to reflect Payment Protect Terms changes); information about interest and monthly account fees payable by Borrowers added; disclosure on wholesale Investors updated; disclosure on market management added; Investor fees disclosure amended; more details on recovery action addedmore detailed Investment Risks section added; How we manage our marketplace section added; Conflicts Management section added; Product suitability caution added.

Platform Agreement. Updated 20th September, 2016.
What's changed: Formerly the Borrower Agreement. Changes made to loan amounts; fees clause added; arrangements about allocating loan listings to wholesale investors clarified; timing of loan listing and listing period clarified.

Loan Contract. Updated 20th September, 2016.
What's changed: Recovery options if a loan is in arrears detailed more fully; fees clause added; overdue fees clause modified; Borrower's consent added to disclosure of information where loan transferred to third party.

Payment Protect Terms and Conditions. Updated 20th September, 2016.
What's changed: Waived instalments changed from merely being unenforceable, to not being owed at all; refund provisions for waived payments added; claim periods reduced to 30 days; exclusions added for Redundancy cover; waivers extended to monthly account fees.

Legal agreements

The below are the current and archived customer agreements for borrowers and investors.

Borrower

Platform Agreement. Effective from 20th September 2016
Loan Contract. Effective from 20th September 2016
Payment Protect Terms and Conditions. Effective from 20th September 2016
Things You Need to Know. Effective from 10th November 2016
Credit Sense End User Terms. Effective from 1st May 2015

Investor

Disclosure Statement. Effective from 22nd September 2016
Investor Agreement. Effective from 22nd September 2016

General

Privacy Policy. Effective from 19th August 2015
Fair Dealing Policy. Effective from 31st July 2014
Website Terms of Use. Effective from 31st July 2014
Conflicts of Interest Policy. Effective from 1st July 2014

Archived agreements

Things You Need to Know. Effective from 20th September 2016 to 9th November 2016

Investor Agreement. Effective from 9th June 2016 to 21st September 2016
Disclosure Statement. Effective from 9th June 2016 to 21st September 2016

Borrower Agreement. Effective from 20th June 2016 to 19th September 2016
Loan ContractEffective from 8th December 2015 to 19th September 2016
Payment Protect Terms & ConditionsEffective from 13th April 2016 to 19th September 2016
Things You Need to KnowEffective from 8th March 2016 to 19th September 2016

Borrower Agreement. Effective from 12th April 2016 to 19th June 2016

Investor Agreement. Effective from 24 July 2015 to 9 June 2016
Disclosure Statement. Effective 24 July 2015 to 9 June 2016

Payment Protect Terms and Conditions. Effective from 1 December 2015 to 12th April 2016

Borrower Agreement. Effective from 8 December 2015 to 12th April 2016

Borrower Agreement. Effective from 24 July 2015 to 7 December 2015
Loan Contract. Effective from 3 June August 2015 to 7 December 2015

Privacy Policy. Effective from 8 August 2015 to 18 August 2015

Disclosure Statement. Effective from 3 June 2015 to 23 July 2015
Investor Agreement. Effective from 3 June 2015 to 2014 to 23 July 2015
Borrower Agreement. Effective from 3 June 2015 2014 to 23 July 2015
Conflicts of Interest Policy. Effective from 1 July 2014 to 23 July 2015

Disclosure Statement. Effective from 31 January 2015 to 2 June 2015

Disclosure Statement. Effective from 17 October 2014 to 30 January 2015
Investor Agreement. Effective from 17 October 2014 to 2 June 2015
Borrower Agreement. Effective from 17 October 2014 to 2 June 2015
Loan Contract. Effective from 17 October 2014 to 2 June 2015

Disclosure Statement. Effective from 7 September 2014 to 16 October 2014
Investor Agreement. Effective from 7 September 2014 to 16 October 2014
Borrower Agreement. Effective from 7 September 2014 to 16 October
Loan Contract. Effective from 7 September 2014 to 16 October

Disclosure Statement. Effective from 2 September 2014 to 6 September 2014
Investor Agreement. Effective from 2 September 2014 to 6 September 2014
Borrower Agreement. Effective from 2 September 2014 to 6 September 2014
Loan Contract. Effective from 2 September 2014 to 6 September 2014

Investor Agreement. Effective from 20 August 2014 to 1 September 2014
Borrower Agreement. Effective from 20 August 2014 to 1 September 2014
Disclosure Statement. Effective from 20 August 2014 to 1 September 2014

Borrower Agreement. Effective from 31 July 2014 to 19 August 2014
Investor Agreement. Effective from 31 July 2014 to 19 August 2014
Disclosure Statement. Effective from 31 July 2014 to 19 August 2014

Privacy Policy. Effective from 31 July 2014 to 07 August 2014