These terms govern your use of the Life Without Debt Ltd website (cosailifewithoutdebt.org) and any services accessed through it. By using this site, you agree to these terms.
Life Without Debt Ltd (ACN: pending · ABN: pending) is a company limited by guarantee, registered in Australia. Our services are provided in furtherance of the charitable purposes set out in clause 4(a) of our constitution — helping people living with terminal, life-limiting, chronic, or serious illness (and their families and carers) resolve consumer debt.
Your privacy is protected under our Privacy Policy. Complaints or feedback about our services or website can be raised via our Complaints & Feedback page.
Content on this website is general information only. It is not legal advice, financial product advice, credit assistance, or medical advice. You should obtain advice from a qualified professional before acting on anything you read here.
Our services are available only to persons who meet our published eligibility criteria (see Eligibility). Submission of an intake form is not an offer of service. We may accept or decline any intake in our sole discretion, consistent with our charitable purposes and available capacity.
All donations are gratefully received and processed through our Donate page. Donations of $2 or more may be tax-deductible once our ATO DGR endorsement is finalised (placeholder under SO #3). You will receive an emailed receipt.
Except where otherwise noted, all content on this website is © Life Without Debt Ltd. You may view, download, and print pages for personal, non-commercial use.
Links to third-party sites are provided for convenience only. We do not endorse and are not responsible for the content of those sites.
We may modify, suspend, or discontinue any part of the site at any time. We may update these terms; the current version is always at this URL. This is version 0.1 · HA1 draft · Sprint 34 pending external legal review.
These terms are governed by the laws of Australia and the state or territory in which our registered office is located.
Related: Privacy · Cookies · Fundraising Conduct