⚠ LEGAL DRAFT · HA1 · NOT FOR PUBLICATION

This document is a working draft authored under Standing Order #1 (del.auth) and Standing Order #3 (truthful non-compliance). It is not legal advice. It will be held at HA4 maximum until an external qualified Australian legal practitioner has performed sight-check review. HA5 (board-ratified · publication-ready) is gated on that external legal review per user directive 2026-08-06.

SO #3 · Placeholder registrations. Life Without Debt Ltd is in pre-registration phase. ACNC charity registration, ASIC company registration, and ATO DGR/tax endorsement are not yet finalised. Any registration numbers, ABN references, or DGR statements shown are placeholders under Standing Order #3 (truthful non-compliance) and will be replaced with real values on registration.

Complaints & Feedback

Life Without Debt Ltd takes every concern seriously. This page explains how to raise a complaint or share feedback, and what happens next.

1 · Our commitment (ACNC Governance Standard 3)

We will handle your complaint fairly, promptly, and confidentially. Raising a concern will never affect your access to our services or your relationship with us.

2 · How to raise a complaint

Email — [email protected]
Post — Life Without Debt Ltd, Complaints Officer, Australia (registered address placeholder pending ASIC registration)
Phone — placeholder pending launch

Please include your name and contact details (so we can reply), a clear description of the concern, and any documents or references that will help us investigate.

3 · What happens next

Within 3 business days — we acknowledge receipt.
Within 20 business days — we provide a substantive response, or (if we need more time to investigate) we tell you why and give an updated timeframe.
Serious concerns (safety, financial impropriety, or breach of the ACNC Governance Standards) are escalated immediately to the Board.

4 · If you are not satisfied

If you are not satisfied with our response, you may escalate to:

ACNC (Australian Charities and Not-for-profits Commission) · acnc.gov.au/raise-concern
OAIC (Office of the Australian Information Commissioner) for privacy matters · oaic.gov.au
State fundraising authority for fundraising-conduct matters · see Fundraising Conduct
AFCA (Australian Financial Complaints Authority) for concerns about credit assistance, once relevant · afca.org.au

5 · Whistleblower disclosures

Disclosures under the whistleblower protections in the Corporations Act 2001 (Cth) and the Taxation Administration Act 1953 (Cth) are handled under our separate Whistleblower Policy (draft · Sprint 38 authoring pass).

6 · Version

Version 0.1 · HA1 draft · Sprint 34 pending external legal review.