Legal Electronic Communication Terms

Electronic Communication Terms

By signing up for electronic communications with Harmoney Australia Limited (“Harmoney”), you consent to receive all communications relating to your Harmoney Loan in electronic format.

The communications covered by your consent include entering into agreements electronically, signing documents electronically, receiving communications from Harmoney electronically, visiting Harmoney’s website to access your account and notifications posted by Harmoney including any disclosure required by Federal or State law and any modifications to the Loan Agreement, relevant statutory notices, statements of account, and other information about your account. You must keep any logins or passwords that you use to access your Harmoney account safe and secure and not provide details of your logins or passwords to any third party.

By signing up for electronic communications, you confirm that you can receive and access electronic communications.

Hardware and software requirements

In order to access and retain electronic communications, you must have the following:

  • a personal computer, operating system and telecommunications connections to the Internet capable of supporting electronic communications; and
  • sufficient electronic storage capacity on your hard drive or other data storage facility, or a printer that is capable of printing from your Internet browser and email software.

Communications in writing

All communications in electronic format from us to you will be considered “in writing”. You should print or download a copy of the Terms & Conditions of Electronic Communication and any other communication that is important to you.

Updates to your records

You agree to promptly update your electronic mail address and other contact information if a change occurs.

Spam filters

We will make every effort to ensure our email notifications are properly listed with all SPAM filter agencies. However, you are responsible for ensuring that any SPAM filters recognise emails originating from us. If you fail to receive email notifications and/or electronic statements of account from us, having consented to receive electronic communications, please check with the provider of your email account and/or the SPAM filter associated with your email account.

When you visit or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on our website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


All content included on our website such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software and compilations, is the property of Harmoney Australia Limited and protected by international copyright laws.