PayMyTax Terms and Conditions

1. About PayMyTax and these Terms

PayMyTax is operated by Tax Hitech Pty Ltd ABN 38 642 032 666 (Tax Hitech, we, us or our).

These Terms govern your use of the PayMyTax website and customer and accountant portals (Platform), including submitting BAS or IAS statements, viewing tax payment details, choosing a pay-now or pay-later option and requesting assistance with business tax payments (Services). If finance is arranged, Tax Hitech acts as an intermediary; it does not lend money or provide the loan itself.

For website and account use, you means the person using the Platform. If you act for a company, you must have authority to provide its information and make the relevant request on its behalf. The company is the applicant for any business finance requested through PayMyTax.

When you create a customer account, you accept these Terms for your use of the Platform. Choosing pay later records a payment preference and does not itself approve a loan or authorise a lender application, a debit or a transfer of loan funds. Any further application, disclosure or payment authority that requires your agreement must be separately presented to you. Browsing the site alone does not give those authorisations.

These Terms govern our intermediary Services only. Any loan agreement is entered into and signed separately between the applicant company and the relevant loan provider. Any guarantee, security, payment or direct debit agreement must also be separately agreed with the relevant party. Accepting these Terms does not constitute acceptance of a loan offer or loan agreement.

2. Eligibility and company authority

Our loan arrangement Services are intended for companies incorporated in Australia seeking finance to pay their own Australian business tax liabilities. They are not offered under these Terms for personal borrowing or personal tax liabilities.

If you request business finance for a company, you must provide its correct legal name, ACN, ABN and other information reasonably required to assess that request. We may ask for evidence of your authority and any necessary company approvals before progressing a finance application.

A director, representative or proposed guarantor does not become personally liable for the company's loan merely by using the Platform or accepting these Terms. Any personal guarantee or security must be separately agreed with the relevant provider.

3. Our role as an intermediary

Tax Hitech, through PayMyTax, acts as an intermediary between applicant companies and third-party loan providers, either directly or through finance partners. Depending on your request, our Services may include collecting application information, identifying potential lenders, referring your request to finance partners, submitting information on your behalf, assisting with supporting documents and coordinating communication about an application and tax payment. References in these Terms to a lender mean the relevant third-party loan provider.

We may work with lenders, finance brokers, aggregators and other finance partners. We will explain the role of the partners involved in your application and identify the proposed lender before you accept a loan offer.

Tax Hitech is not a direct lender, does not advance credit and is not a party to the loan agreement between your company and the loan provider. The loan provider decides whether to approve an application and determines the loan amount, interest rate, fees, repayment terms, security and any guarantee requirements. Tax Hitech cannot bind a loan provider to approve or fund a loan.

We do not guarantee approval, a particular interest rate, funding by a particular date or that an offer will be suitable for your company. We may deal with a limited panel of providers and do not represent that we compare every lender or loan available in the market.

You decide whether to accept a loan. You should review the loan documents and consider independent legal, accounting and financial advice, including advice about any guarantee or security over property.

4. Application information and instructions

You must provide information that is accurate, current and complete to the best of your knowledge, and promptly tell us about material changes or errors.

Information requested may include company details, director and proposed guarantor details, identity documents, financial statements, bank statements, tax account information, tax liabilities and supporting documents.

Submitting a tax statement or selecting a payment option lets us use the details to administer that request, including showing your payment details to the relevant accountant and notifying you about your payment preference. A pay-later selection is pending review and is not a loan application or approval. Before information is submitted to a lender or finance partner for an application, any required application authority and privacy notices must be provided separately. We may ask for further documents or clarification.

You may withdraw an uncompleted request by contacting us. We will stop further submissions as soon as reasonably practicable and notify relevant partners where appropriate. Withdrawal does not undo an authorised disclosure, cancel an existing loan agreement or remove lawful record-retention obligations. Any cancellation charges under a separate provider agreement are governed by that agreement and must have been disclosed before you agreed to them.

5. Sharing information with third parties

To provide the Services you request, Tax Hitech may share relevant company, financial, tax and application information, including personal information where lawfully permitted, with the accountant or contacts associated with your company and the service providers needed to operate the Platform. If you separately authorise a finance application or payment, recipients may also include:

prospective lenders and their authorised assessment, settlement and administration providers;

finance brokers, aggregators, referral partners and other finance partners assisting with your request;

identity-verification, fraud-prevention and compliance providers;

settlement and payment providers involved in a lender's payment of your tax bill;

technology, hosting, document-management and communication providers supporting our Services;

your accountant, tax agent, legal adviser or another representative where you authorise that communication; and

the Australian Taxation Office (ATO), regulators or other authorities where authorised or required by law.

We share information to assess and process applications, seek finance offers, verify information, prevent fraud, coordinate settlements where a lender pays the ATO, administer our Services and meet legal obligations. We limit disclosures to information reasonably necessary for the relevant purpose.

If you authorise a finance application, the lender or finance partner may contact you, ask for more information and handle your information under its own privacy notice. Review its identity and privacy information before agreeing to proceed.

An application does not give unrestricted permission to distribute information to unrelated businesses or use it for unrelated marketing. Any further disclosure must have a lawful basis and, where required, separate consent.

6. Personal information and privacy

Our Privacy Policy explains how we collect, use, store and disclose personal information, how to request access or correction, and how to make a privacy complaint. You can read it before creating an account. If a finance application requires further collection notices or consents, these must be presented before that application proceeds.

Personal information may concern directors, representatives, beneficial owners or proposed guarantors, even where the borrower is a company.

If you provide someone else's personal information, you must have lawful authority to do so and direct them to our Privacy Policy. Where an individual's separate consent is required, it must be obtained from that individual or a person lawfully authorised to give it. Acceptance on behalf of a company is not automatically consent on behalf of every individual.

Credit checks or disclosures involving credit reporting bodies are subject to applicable law and the relevant provider's notices and authorisations. These Terms do not themselves authorise unrestricted access to an individual's credit report. Separate credit-check or guarantor authorisations will be obtained where required.

If requested information is not provided, we or a partner may be unable to assess or progress the application. Do not provide sensitive information or tax file numbers unless specifically requested through a lawful and secure process.

Some technology providers may process information outside Australia, as described in our Privacy Policy. Where applicable law requires more information about a particular disclosure, that information must be provided before the disclosure. These Terms do not waive applicable cross-border disclosure requirements.

We take reasonable steps to protect information and retain it only for as long as reasonably required for our Services, legitimate record-keeping and legal obligations. An individual may ask to withdraw consent where processing relies on consent; we will explain any effect on the application and any information we must retain.

7. Loan costs and commercial arrangements

The loan provider determines the interest, fees and other charges applicable to its loan. These may include establishment, administration, security, late-payment or other charges, as set out in the provider's separate loan agreement. You should review the total cost of borrowing before accepting an offer.

Tax Hitech may have commercial remuneration arrangements with the finance partners involved in arranging your loan. Any disclosures required by applicable law will be provided before you enter into the relevant agreement.

8. Loan agreements, guarantees and security

If a loan is approved and you choose to proceed, your company must enter into and sign a separate loan agreement with the loan provider. The loan provider's agreement sets out the loan amount, interest rate, fees, repayment obligations, default provisions and any security or guarantee requirements. The loan provider is responsible for providing the loan in accordance with that agreement.

Tax Hitech is not a party to that loan agreement. These Terms govern Tax Hitech's intermediary Services and do not replace, form part of or vary the loan agreement or any separate guarantee or security document. Acceptance of these Terms, submission of an application or communication of an indicative offer does not itself create a loan agreement. Any binding loan commitment arises under the separately signed loan agreement and its conditions.

You remain responsible for assessing the company's ability to repay and for meeting its obligations under the loan. Directors and proposed guarantors should separately consider their potential personal liability and the risk to any secured property.

We are responsible for performing our own agreed Services with reasonable care and skill. We do not guarantee a lender's performance or assume the company's repayment obligations.

9. Settlement and payment of tax

You may pay the pay-now amount by BPAY using the biller code and reference shown for your tax bill. Selecting a pay-later amount in the portal records your preferred split and repayment schedule; it does not itself make a payment to the ATO or approve finance. If finance is approved, the loan provider settles the loan funds directly to the ATO in payment of the agreed tax amount. The loan and settlement documents set out the settled amount, payment reference, timing and any applicable fees.

Tax Hitech does not receive, hold or control loan funds at any time. Loan funds are paid by the lender directly to the ATO against your tax account using the payment details shown for your tax bill. Tax Hitech is not involved in transferring those funds and does not operate a trust or client money account.

We coordinate settlement information between you, your accountant and the lender where that is part of the agreed Services. We will pass on available payment confirmations and promptly notify you of any known failure or material delay in the settlement process. If a settlement error concerns a payment made by the lender or received by the ATO, we will take reasonable steps to help resolve it, but the loan provider remains responsible for its settlement obligations.

You must check the company's tax liability, due date, amount and ATO payment reference, and confirm that the payment has been credited to the correct tax account. Applying for finance or receiving a loan approval does not mean the ATO has received payment.

Any payment of your tax depends on finance approval and the lender's settlement process, and no timeframe for ATO payment is guaranteed. If you pay by BPAY yourself, your bank and the ATO control the processing and receipt of that payment.

10. Tax obligations and advice

Your company remains responsible for its tax obligations, lodgements, payment deadlines and arrangements with the ATO. A finance application does not suspend a tax deadline or prevent interest, penalties or recovery action.

Our loan arrangement Services do not include tax, legal or accounting advice or negotiating an ATO payment plan unless separately agreed and lawfully provided. We are not the ATO and do not determine or guarantee the accuracy of your tax liability.

If a payment deadline is approaching, contact your tax adviser or the ATO rather than relying on a pending finance application. This clause does not exclude responsibility for a breach of our own agreed obligations.

11. Direct debit and payment services

PayMyTax does not currently debit your bank account directly through the Platform. If direct debit or another automated payment service is introduced, you must separately accept its payment authority and applicable service agreement before a debit is initiated.

Any such authority must identify the account, amount or calculation basis, timing, applicable fees and arrangements for cancellation and disputes. Merely entering bank details does not authorise a debit. You must have authority to use a nominated account.

12. Accounts and acceptable use

If you create an account, keep your registration details current, protect your login credentials and promptly notify us of suspected unauthorised access.

You must not submit fraudulent documents, impersonate another person, access information without authority, interfere with security or use the Platform unlawfully. You must not reverse engineer or copy protected Platform content except as permitted by law, or use automated tools in a way that compromises security or materially disrupts the service.

We may restrict access where reasonably necessary to address fraud, security risks, unlawful activity or a material breach. Where practicable, we will explain the reason and give you an opportunity to resolve the issue. Urgent protective action may be taken without advance notice.

Account suspension does not remove your rights to information about an existing application or authorised payment, subject to legal and security restrictions.

13. Website information, availability and cookies

Website information is general and may not reflect your company's circumstances or a lender's current criteria. Estimates and indicative rates are not binding offers. We take reasonable care with published information and will correct material errors brought to our attention.

The Platform may be unavailable during maintenance or events outside our reasonable control. We will take reasonable steps to restore service and communicate disruptions affecting an active application or payment.

We may use cookies and similar technologies to operate, secure and improve the Platform, as explained in our Privacy Policy or cookie notice. Browser settings may allow you to restrict cookies, which may affect functionality. Any consent required by applicable law will be obtained separately.

14. Intellectual property and confidentiality

We or our licensors own the intellectual property in the Platform. You may access it, download documents made available to you and retain copies for lawful business use. Other reproduction or commercial use requires permission unless permitted by law.

You retain rights in the information and documents you supply. You authorise us to use and reproduce them only as reasonably necessary to provide the requested Services and meet legal obligations, subject to these Terms and applicable privacy requirements.

Each party must protect the other's confidential information and disclose it only for the agreed Services, to advisers who need to know, with authorisation or as permitted or required by law. This does not restrict lawful complaints, regulatory reporting, independent advice or disclosure of information already lawfully public.

15. Liability and legal rights

Nothing in these Terms excludes, restricts or modifies a right, guarantee, remedy or liability that cannot lawfully be excluded, including applicable protections under the Australian Consumer Law, the Australian Securities and Investments Commission Act 2001 and privacy legislation.

We are responsible for loss to the extent caused by our breach of these Terms, negligence, fraud or wilful misconduct, subject to applicable law. You are responsible for loss to the extent caused by your breach, negligence, fraud or wilful misconduct. Neither party is responsible for the portion of a loss caused by the other party or a third party for whom it is not legally responsible.

Subject to non-excludable rights, neither party is liable for losses that were not reasonably foreseeable when the Services were agreed. A loss is not excluded merely because it concerns a tax penalty or payment delay if it was reasonably foreseeable and caused by a breach for which that party is responsible.

Each party must take reasonable steps to minimise loss. These Terms do not require you to indemnify us for our own conduct or impose a blanket release of liability.

16. Ending our Services

You may stop using the Platform and ask us to close an account or withdraw an uncompleted request, subject to clause 4 and any separately agreed obligations.

We may end Services where you are ineligible, a material breach remains unresolved after reasonable notice, or continuing would be unlawful or create a serious security or fraud risk. Where practicable, we will give notice, explain the effect on any active request and arrange an orderly handover of relevant records and authorised payments.

Ending our Services does not cancel a loan or other separate agreement. Confidentiality, lawful record retention, accrued payment obligations and rights concerning earlier conduct continue as applicable.

17. Changes to these Terms

We may update these Terms for changes in our Services or legal requirements. Updated Terms will be published with an updated date.

Material changes affecting ongoing Services will be notified reasonably in advance, unless an urgent legal or security change is necessary. Changes will not retrospectively alter a completed loan settlement or transaction, or vary the loan provider's separately agreed charges. We will obtain further acceptance where needed for an existing engagement.

If you do not accept a material change, you may discontinue the affected Services, subject to existing separate agreements and accrued obligations.

18. Contact and complaints

For service enquiries, withdrawal requests, payment issues or complaints, email support@paymytax.com.au or use the Contact page. For privacy access, correction or complaints, email support@paymytax.com.au as described in our Privacy Policy. Include enough detail for us to identify your request, but do not email sensitive identity or tax documents unless we ask you to use a secure channel.

We will acknowledge a complaint promptly, investigate it fairly and explain the outcome and any available external escalation options. Complaints about a lender's loan or conduct may also be directed to that lender. Any applicable statutory complaint rights remain available.

19. General provisions

Queensland law governs these Terms. The parties submit to the non-exclusive jurisdiction of the Queensland courts, subject to any mandatory rights to bring a claim elsewhere.

These Terms and any specifically agreed service schedule form our agreement for the Services. Separate lender, guarantee, security and payment agreements continue to govern their respective subject matter. A statement in these Terms does not override a non-excludable right or excuse misleading conduct.

We may transfer our contractual rights and obligations only where your protections are preserved and the transfer does not materially disadvantage you. We will notify you of a transfer affecting ongoing Services. Any transfer of personal information must also comply with applicable privacy law.

If a provision is invalid or unenforceable, it is severed to the extent necessary and the remaining provisions continue. A failure to enforce a right is not a waiver. Notices may be sent to the contact details nominated by you; legally required methods of notice still apply.

20. Accepting these Terms

The customer sign-up form asks you to accept these Terms and the Privacy Policy before creating an account. That checkbox covers use of the Platform; it is not a company loan application, an individual's credit-check consent, a guarantee, a direct debit instruction or a payment authority. Where any of those are needed, the relevant documents and authorisations must be presented separately before you agree to them.