Way Forward Website Terms of Use
Effective date: May 2026
1. About these Terms
These Terms of Use govern your access to and use of the Way Forward Debt Solutions Limited website, including any online tools, calculators, forms, client portals and related services available through the website.
By accessing or using this website, you agree to these Terms of Use.
If you do not agree to these terms, you should not use this website.
In these terms:
- “Way Forward”, “we”, “our” or “us” means Way Forward Debt Solutions Limited ACN 628 702 821.
- “Website” means the website operated by Way Forward and any associated online platforms or portals.
2. Purpose of the Website
This website provides general information about:
- the services offered by Way Forward, including a tool that assists in assessing eligibility;
- budgeting and repayment tools; and
- educational information and resources focusing on debt issues.
The website is intended to help people understand their options and access support.
3. General Information Only
Information on this website is general in nature and is not financial, legal or personal advice.
While we aim to provide accurate and up-to-date information, we do not guarantee that all information is complete, accurate or suitable for your personal circumstances.
You should consider obtaining independent advice before making financial decisions.
Using our website, calculators, tools or resources does not create a client relationship with Way Forward.
4. Eligibility and Service Outcomes
Using the website or completing our eligibility tool does not guarantee:
- eligibility for Way Forward services;
- acceptance into a payment arrangement;
- approval by creditors; or
- any particular outcome.
All applications and arrangements are subject to assessment and creditor requirements.
5. Budgeting Tools and Calculators
Any calculators, budgeting tools or repayment estimates on this website are indicative only.
Results are based on information entered by users and assumptions used by the tool. Actual outcomes may differ.
These tools are provided to assist understanding and planning only.
6. Privacy
We handle personal information in accordance with our Privacy Policy.
By using this website or submitting information through it, you consent to the collection, use and disclosure of information as described in our Privacy Policy.
7. Intellectual Property
Unless otherwise stated, all content on this website is owned by or licensed to Way Forward, including:
- text;
- branding;
- logos;
- videos;
- graphics;
- downloadable resources; and
- website design.
You may use website content for personal, non-commercial purposes only.
You must not reproduce, modify, distribute or commercially exploit website content without our prior written consent.
8. Acceptable Use
You must not:
- use the website unlawfully;
- attempt to gain unauthorised access to systems or data;
- interfere with website functionality or security;
- upload malicious software or code;
- use automated systems to scrape or harvest information from the website; or
- misuse online forms or communication channels.
We may restrict or block access where misuse is suspected.
9. Third-Party Links
This website may contain links to external websites operated by third parties.
These links are provided for convenience only. Way Forward does not control or endorse third-party websites and is not responsible for their content, availability or privacy practices.
10. Website Availability
We aim to keep the website available and functioning properly but we do not guarantee uninterrupted access.
The website may occasionally be unavailable due to maintenance, technical issues or circumstances beyond our control.
11. Limitation of Liability
To the maximum extent permitted by law, Way Forward excludes liability for any loss, damage or expense arising from:
- use of this website;
- reliance on website information;
- website interruptions or errors;
- viruses or malicious code; or
- use of third-party websites linked from this website.
Nothing in these Terms excludes rights or guarantees that cannot lawfully be excluded under Australian law, including under the Australian Consumer Law.
12. Changes to these Terms
We may update these Terms of Use from time to time.
Updated terms will be published on this website and take effect from the date of publication.
13. Governing Law
These Terms of Use are governed by the laws of Victoria, Australia.
Any disputes relating to these terms or use of the website will be subject to the jurisdiction of the courts of Victoria.
14. Contact
If you have questions about these Terms of Use, you may contact us phone on 1300 045 502, by email at assist@wayforward.org.au, or by mail at Level 14, 333 Collins Street, Melbourne VIC 3000, Australia.
