Legal Electronic Communication Terms

Electronic Communication Terms

Version 2022-2

By accepting these terms, you consent to receive all communications from Harmoney Australia Pty Ltd (“Harmoney”, "we" or "us") in electronic format (specifically including by way of website pages, pop-ups and dashboards, email, and SMS/MMS) (“electronic communications”), and you confirm that you can receive and access electronic communications.The electronic communications covered by your consent include, but are not limited to, entering into agreements electronically, signing documents electronically, receiving communications (and in particular those relating to your Harmoney Loan) 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, any modifications to your Loan Agreement, relevant statutory notices, statements of account, and other information about your account). You should print or download a copy of these terms, and any electronic communication that is important to you.

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.

When you visit our website or send emails to us, you are communicating with us electronically.

Hardware and software requirements

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

  • a personal computer or other computing device (such as a smartphone or tablet), with an operating system and telecommunications connections to the internet capable of supporting electronic communications; and
  • sufficient electronic storage capacity on your device’s internal memory 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 are deemed to be “in writing”. 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.

Marketing communications

You consent to us sending marketing communications to you as electronic communications (including by email and SMS/MMS).

Updates to your records

You agree to promptly update your email 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.


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 Pty Ltd and is protected by international copyright laws.