Legal

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Borrower

Loan Contract. Effective from 29 September 2020

Proviso End User Terms.

Credit Sense End User Terms. Effective from May 2015

General

Privacy Policy. Effective from September 2020

Customer Service Terms. Effective from September 2020

Conflicts of Interest Policy. Effective 1 July 2014 to 23 July 2015

Marketing Communications. June 2019

Cancellation Policy.

Investor

Harmoney is no longer offering loans for investment by retail lenders. Find out more

Disclosure Statement. Effective from May 2018

Investor Agreement. Effective from May 2018

Archived agreements

Borrower

Loan Contract

Loan Contract. Effective from 17 June 2019 to 29 September 2020

Loan Contract with Payment Protect. Effective from 17 June 2019 to 29 September 2020

Loan Contract. Effective from December 2018 to 17 June 2019

Loan Contract. Effective from May 2018 to December 2018

Loan Contract. Effective from October 2017 to May 2018 (pdf)

Loan Contract. Effective from September 2016 to October 2017

Loan Contract. Effective from December 2015 to September 2016

Loan Contract. Effective from June 2015 to December 2015

Loan Contract. Effective from October 2014 to June 2015

Loan Contract. Effective from September 2014 to October 2014

Loan Contract. Effective from September 2014 to September 2014

Payment Protect

Payment Protect Terms and Conditions. Effective from December 2018 to June 2019.

Payment Protect Terms and Conditions. Effective from May 2018 to December 2018.

Payment Protect Terms. Effective from September 2016 to May 2018 (pdf)

Payment Protect Terms & Conditions. Effective from April 2016 to September 2016

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

Things You Need to Know

Things You Need to Know. Effective December 2018

Things You Need To Know. Effective from May 2018 to December 2018

Things You Need to Know. Effective from September 2016 to November 2016 (pdf)

Things You Need to Know. Effective from March 2016 to September 2016

Platform agreement

Platform Agreement. Effective from October 2017 to May 2018 (pdf)

Platform Agreement. Effective from September 2016 to October 2017 (pdf)

Borrower Agreement

Borrower Agreement. Effective from June 2016 to September 2016

Borrower Agreement. Effective from April 2016 to June 2016

Borrower Agreement. Effective from December 2015 to April 2016

Borrower Agreement. Effective from July 2015 to December 2015

Borrower Agreement. Effective from June 2015 to July 2015

Borrower Agreement. Effective from October 2014 to June 2015

Borrower Agreement. Effective from September 2014 to October

Borrower Agreement. Effective from September 2014 to September 2014

Borrower Agreement. Effective from August 2014 to September 2014

Borrower Agreement. Effective from July 2014 to August 2014

General

Privacy policy

Privacy Policy. Effective from January 2020 to September 2020

Privacy Policy. Effective from September 2019 to January 2020

Privacy Policy. Effective from May 2019 to September 2019

Privacy Policy. Effective from May 2018 to May 2019

Privacy Policy. Effective from August 2016 to May 2018

Privacy Policy. Effective from August 2015 to August 2016

Privacy Policy. Effective from August 2014 to August 2015

Privacy Policy. Effective from July 2014 to August 2015

Privacy Policy. Effective from July 2014 to August 2014

Other

Conflicts of interest policy. Effective from July 2014 to July 2015

Customer Service Terms. Effective from July 2014 to July 2015

Website Terms of Use. Effective from July 2014

Fair dealing policy. Effective from July 2014

Investor

Investor Agreement

Investor Agreement Effective from October 2017 to May 2018 (pdf)

Investor Agreement. Effective from September 2016 to October 2017(pdf)

Investor Agreement. Effective from June 2016 to September 2016

Investor Agreement. Effective from July 2015 to June 2016

Investor Agreement. Effective from June 2015 to July 2015

Investor Agreement. Effective from October 2014 to June 2015

Investor Agreement. Effective from September 2014 to October 2014(pdf)

Investor Agreement. Effective from September 2014 to September 2014(pdf)

Investor Agreement. Effective from August 2014 to September 2014

Investor Agreement. Effective from July 2014 to August 2014

Disclosure Statement

Disclosure Statement Effective from September 2016 to May 2018(pdf)

Disclosure Statement. Effective from June 2016 to September 2016

Disclosure Statement. Effective July 2015 to June 2016

Disclosure Statement. Effective from June 2015 to July 2015

Disclosure Statement. Effective from January 2015 to June 2015

Disclosure Statement. Effective from October 2014 to January 2015

Disclosure Statement. Effective from September 2014 to October 2014

Disclosure Statement. Effective from September 2014 to September 2014

Disclosure Statement. Effective from August 2014 to September 2014

Disclosure Statement. Effective from July 2014 to August 2014