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Terms & Conditions

These terms and conditions (Terms, Agreement) govern your access to, and use of the websites, applications and services provided by Mobile Business Devices Pty Ltd ABN 17 602 368 945 (trading as One Click Life, OCL, we, us, our). 

By using any of our Sites or Services (defined below), creating a User Account, or purchasing a product from us, you agree to be bound by these Terms, our Privacy Policy, Security Policy, and any other policies we publish from time to time (together, the OCL Policies). If you do not agree, you must not use our Sites or Services. 

1. DEFINITIONS

In these Terms, unless the context otherwise requires: 

  • Agreement / Terms and Conditions means this document, incorporating the OCL Policies as updated from time to time. 
  • ATO means the Australian Taxation Office. 
  • Client means a user who is given the opportunity to, or does, purchase or use any of the Services. 
  • Credit Assistance means any assistance or service in relation to credit or home loans within the meaning of the National Consumer Credit Protection Act 2009 (Cth), including but not limited to suggesting, assisting with, or applying for a credit contract or consumer mortgage. 
  • Fees means any fees, costs, charges, disbursements or other amounts charged by us to you for use of or access to any Services. 
  • Financial Product includes any financial product or service within the meaning of the Corporations Act 2001 (Cth), including but not limited to insurance, superannuation, credit and savings or investment products, and may include any home loan or mortgage product offered by a Mortgage Broker. 
  • Intellectual Property means all intellectual property rights anywhere in the world (whether registered, registrable or unregistered), including copyright, trade marks, patents, designs, circuit layouts, domain names, know-how and the right to apply for or renew such rights. 
  • Law means the laws of Australia (legislation, regulations, rules, practice directions and other requirements issued by any government authority) as applicable from time to time, including, without limitation, laws regulating taxation, financial services, consumer protection, privacy and electronic transactions. 
  • Legal Document(s) means the document templates and related materials that can be found on our Sites for Wills and other legal-type documents. 
  • Little Money Offer(s) means any low-value, small-amount or cash-flow product or service (such as early wage access, micro-savings or similar offers) made available or promoted by us under the “Little Money” branding or a similar brand, including products which are comparable in concept to commonly available pay-advance or wage-access products. 
  • Loss includes without limitation all direct and indirect loss, damage, demands, penalties, fines, expenses, costs (including legal costs on a solicitor–own client basis), taxes and loss of opportunity. 
  • Mortgage Broker means any internal mortgage broker, related entity, credit licensee or credit representative to whom we refer you or with whom we facilitate contact for the purposes of providing Credit Assistance (including in relation to home loans, investment loans or refinancing). 
  • Mortgage Referral Service means our service of collecting your details and referring you to, or arranging an introduction with, a Mortgage Broker for the purposes of enabling them to provide Credit Assistance or assess your suitability for a home loan or related product. 
  • Next Day Refund (NDR) means the early refund / tax advance service described in section 13 of these Terms. 
  • Nominated Bank Account means the bank account nominated by you for receipt of any refund, advance or payment and from which direct debits may be taken in accordance with these Terms. 
  • Our Data means, without limitation, all data, material, content, details, information, guides, copyright, Intellectual Property, inventions, apps, tools, marks, links, graphics, code (including object and source code), blogs, calculators and calendars that is available or accessible on our Sites (whether directly or indirectly and whether intentionally or not). 
  • Services means any services and/or products supplied by us to you, including but not limited to: 
  • tax-related services (including tax return preparation, lodgement, Fee From Refund and Next Day Refund); 
  • Wills and other Legal Document services; 
  • Little Money Offers; and 
  • any referral or facilitation of third-party products (including, without limitation, private health insurance and superannuation related offers, Mortgage Referral Services, and other Financial Products). 
  • Sites means any website, Android app, iOS app or other digital interface that we operate from time to time in connection with the Services, including oneclicklife.com.au and any secure portals or hosted pages we operate; and Site means any one of them. 
  • Tax Agent means a tax agent registered with the Tax Practitioners Board to provide tax agent services including tax lodgement services, tax advice and representing clients in dealings with the Commissioner of Taxation. 
  • Tax Agent Number means the tax agent number associated with OCL’s tax agent licence issued by the Tax Practitioners Board. 
  • Tax Return means a tax lodgement or un-lodged tax return requiring lodgement with the ATO. 
  • User Account means any account registered with us for the purposes of accessing one or more Services. 
  • Your Data means all data, content, material, details and information (including personal and sensitive information) of any kind provided by you or on your behalf (whether directly or indirectly and whether intentionally or not) whilst accessing a Site or Service, including information stored in your User Account and any Lodgements submitted by you. 
  • Year refers to a period of 365 days. Any reference to “Year” in these Terms, our disclaimers or privacy policies does not mean a financial year or leap year. 

2. SCOPE OF THESE TERMS 

These Terms apply to: 

  • your access to and use of our Sites; 
  • your User Account; 
  • all Services provided or made available by us, including: 
    • Tax Services (section 8); 
    • Wills & Legal Document Services (section 9); 
    • Little Money Offers (section 10); 
    • Affiliated Third-Party Offers, including Private Health Insurance, superannuation or similar products, Mortgage Referral Services and other Financial Products (section 11); and 
    • Next Day Refund (NDR) (section 13); 
    • any promotions, competitions and referral programs we run (section 14). 

If any product or service is subject to additional specific terms (“Product-specific Terms”), those terms are incorporated into and form part of these Terms. In the event of inconsistency, the Product-specific Terms prevail for that product or service, and otherwise these general Terms apply. 

3. USE OF SITES & GENERAL ENGAGEMENT 

3.1 Eligibility and Identity 

By accessing the Sites or creating a User Account, you represent and warrant that: 

  • you are the person you say you are, and you will not impersonate any other person; 
  • your use of the Sites and Services will not violate any Law; 
  • if you are assisting another person, you have their express consent to do so and, on request, you will provide that consent to us; and 
  • you will not create a User Account or access Services on behalf of another person without their express consent. 

3.2 Personal Use Only 

You agree that you will access and use the Sites and Services on a personal basis only and not for any commercial purpose or to compete with us. 

If you are in the business of creating documents or providing services similar to ours for a fee, you are a competitor and are expressly prohibited from using our Sites, templates and information for competitive purposes. We may hold you liable for any Loss we suffer and account for any profits you make in breach of this clause. 

3.3 User Account Security 

You must: 

  • keep your User Account credentials (including passwords, multi-factor authentication codes and other security credentials) confidential; 
  • not permit any other person to use your User Account; and 
  • notify us immediately if you believe Your Data or User Account details have been compromised. 

You are solely responsible for any Loss suffered by you, us or any other person that is attributable to your failure to keep your User Account details secure. 

3.4 Access, Availability and Maintenance 

We seek to keep our Sites and Services available and up to date, but: 

  • we do not warrant that Our Data is current, accurate, reliable, adequate or complete at all times; 
  • we do not guarantee uninterrupted access and may need to suspend or limit the availability of any Site or Service for maintenance or other reasons; and 
  • we will not be liable for any Loss arising from any unavailability or interruption of our Sites or Services. 

3.5 Linked Sites and Third Parties 

Our Sites may contain links to third-party sites or services. Those links: 

  • are provided for convenience only; 
  • do not constitute an endorsement by us; and 
  • may lead you to products or services offered by third parties. 

We are not responsible for the content, availability, accuracy or security of third-party sites, nor for any Loss you suffer by using or relying on them or purchasing any third-party product. 

4. OUR DATA, INTELLECTUAL PROPERTY & SECURITY 

4.1 Intellectual Property Ownership 

All rights, title and interest in and to Our Data and the Sites, including all Intellectual Property, remain owned by us or our licensors. Nothing in these Terms transfers any Intellectual Property rights to you. 

We grant you a limited, revocable, non-exclusive, non-transferable licence to use Our Data and the Sites solely to: 

  • access and use the Services for your personal purposes; and 
  • create, download, and store Final Documents (as defined below) for your own use. 

This licence automatically terminates when you cease to use the relevant Service or these Terms are terminated. 

4.2 Final Documents and Licences (Wills and other Documents) 

For Wills and other Legal Documents: 

  • Final Document means the finished legal or other document created by you using our templates and tools. 
  • You are granted a licence when you pay for access to a product or hold a current subscription (where applicable). 
  • Subject to these Terms, your licence entitles you to: 
    • use Final Documents solely for your personal purposes; 
    • make electronic copies for your personal use; and 
    • make printed or photocopied versions as necessary to complete the specific transactions for which the Final Documents are intended. 

We may cancel any sale or access at any time. If we do so, you will only be charged for the time during which access was in effect. 

4.3 Prohibited Conduct and Security 

You must not: 

  • attempt to violate or compromise our security, including by: 
    • reverse-engineering, scraping, crawling or otherwise accessing Our Data without permission; 
    • propagating viruses, malware or other malicious code; or 
    • interfering with or overloading our systems; 
  • attempt to bypass or defeat any authentication or security measures; or
  • use robots or automated tools to access or interact with our Sites in a way that may disrupt normal operation. 

We strongly encourage you to: 

  • keep your browsers and operating systems up to date; 
  • avoid using unsupported or outdated systems (for example, legacy Windows versions) to enter private or sensitive information; and 
  • follow best-practice security measures as recommended by software vendors. 

5. YOUR DATA, PRIVACY & RECORD KEEPING 

5.1 Your Data – Accuracy and Completeness 

You must ensure that all of Your Data provided to us is complete and accurate at all times. 

You acknowledge that: 

  • we rely on Your Data to provide the Services; 
  • if Your Data is incomplete or inaccurate, we may be unable or unwilling to provide the Services, or may be required to report matters to government authorities where required by Law; and 
  • you are solely responsible for the consequences of providing incomplete or inaccurate data. 

5.2 Record Retention 

You are responsible for maintaining copies of Your Data and any supporting documentation required by Law (including tax records supporting deductions and claims). 

We are not liable for any Loss you suffer attributable to your inability to access or obtain copies of Your Data or other records. 

5.3 Privacy 

We handle personal information in accordance with our Privacy Policy, which is incorporated into these Terms. By using our Sites or Services, you consent to the collection, use and disclosure of your personal information as described in that policy, including: 

  • using your information to provide, improve and develop our products and services; 
  • using analytics and usage data to tailor products or services to you; and 
  • using offshore service providers in accordance with Australian Privacy Principle 8 (see section 8.7). 

6. GENERAL DISCLAIMERS – NO LEGAL, TAX OR FINANCIAL ADVICE (UNLESS EXPRESSLY STATED) 

Unless expressly stated otherwise: 

  • Our Data is general in nature and has not taken into account your individual objectives, financial situation or needs. 
  • Nothing on our Sites or in our general content amounts to legal advice, tax advice or financial product advice. 
  • You must make an independent assessment or obtain independent professional advice before acting on any general information we provide. 

For Wills, Legal Documents, Little Money Offers and third-party products: 

  • the templates and information are tools only; 
  • we are not acting as your lawyer or financial adviser; and 
  • using our templates or information does not create any solicitor–client or financial advice relationship. 

For tax services, our role as Tax Agent is limited to the scope expressly agreed, and your obligations to the ATO remain your own (see section 8). 

Nothing in these Terms is intended to constitute the provision by us of personal advice in relation to Financial Products or Credit Assistance. Any such advice, to the extent it is provided, is provided by the relevant third party (for example, a Mortgage Broker or other licensed provider) in accordance with their own licence and obligations. 

7. YOUR LIABILITY TO US AND OUR LIMITATION OF LIABILITY 

7.1 Your Liability 

You are liable to us for any Loss we suffer that is attributable to: 

  • your access to or use of the Sites or Services; 
  • your breach of these Terms or any OCL Policies; or 
  • your unlawful, fraudulent or negligent acts or omissions. 

7.2 Our Limitation of Liability (General) 

To the maximum extent permitted by Law: 

  • your use of the Sites and Services is at your own risk; 
  • we disclaim all warranties, guarantees and representations (express or implied) that are not required by Law; 
  • we are not liable for any Loss arising from your use of or access to our Sites or Services, however caused; and 
  • if we are found liable to you despite the above, our maximum aggregate liability to you in respect of all claims is, at our election: 
  • re-delivery of the relevant Service, or 
  • a refund of Fees actually paid by you to us for that Service. 

Nothing in these Terms limits or excludes any Non-Excludable Guarantees under the Competition and Consumer Act 2010 (Cth) or other applicable Law. 

 8. TAX SERVICES 

This section applies where you use our tax-related Services, including tax return preparation, lodgement, Fee From Refund, payment plans and related services. 

8.1 Engagement as Tax Agent 

By creating a One Click Life User Account and submitting Your Data for tax purposes, you acknowledge and agree that: 

  • it is your intention that One Click Life act as your Tax Agent; 
  • you consent to One Click Life being recorded as your Tax Agent with the ATO and appearing as such in your myGov account; 
  • each time you log in to your One Click Life account, a Tax Agent relationship may be re-established; and 
  • we may re-add you to our Tax Agent Number as required, unless you have specifically requested in writing that we do not. 

You agree that, by selecting to submit Your Data to us for lodgement, you authorise us to: 

  • act as your Tax Agent; and 
  • lodge your Tax Return(s) with the ATO on your behalf. 

You warrant that Your Data is true and correct and that your submission of Your Data constitutes your electronic signature to that effect. 

8.2 Lodgements, Timing and Refunds 

You acknowledge that: 

  • you cannot assume your Tax Return has been lodged with the ATO until we confirm lodgement; 
  • all lodgements are subject to review by both us and the ATO, and delays may occur; 
  • we do not guarantee any timeframe for ATO assessments or refunds; and 
  • ATO refunds may be delayed for reasons outside our control, including: 
    • ATO analytics and data-matching; 
    • occupation-driven reviews; 
    • identity or fraud checks; or 
    • ATO compliance programs. 

You are solely responsible for ensuring that any lodgement complies with your obligations at Law and that you hold all required supporting evidence. 

8.3 Outstanding Tax Returns & ATO Penalties 

By registering and providing your TFN and identification to One Click Life, you agree to remain up to date with your tax lodgements. 

If you have outstanding Tax Returns, we may: 

  • highlight these to you; and 
  • contact you via SMS, email or phone to assist you in lodging outstanding returns (for example, for tax years 2016–2024 and beyond). 

ATO failure-to-lodge penalties apply under Law and are subject to change. You acknowledge that: 

  • late or outstanding Tax Returns may result in ATO penalties; and 
  • the ATO’s penalty amounts are determined and applied by the ATO, not by us. 

Any ATO penalty tables or examples we publish are illustrative only and may not reflect the current or actual penalty imposed by the ATO in your circumstances. 

8.4 Amendments 

If you need to amend a Tax Return lodged through One Click Life, you may request an amendment (subject to ATO rules, usually limited to 2 years from the date of the original lodgement). Amendment Fees apply (see Fee Schedule). 

8.5 Our Data – Tax 

Our Data relating to tax is general information only and: 

  • may not be up to date at all times; 
  • may not reflect your personal circumstances; and 
  • does not constitute financial or accounting advice. 

You must not rely solely on Our Data that is general in nature to make tax decisions without obtaining independent advice. 

8.6 Professional Indemnity Insurance & TPB Disclosures 

We hold professional indemnity insurance in at least the minimum amount prescribed by the Tax Practitioners Board and CPA Australia Ltd by-laws or as required by Law. 

The Tax Practitioners Board maintains a register of tax agents and BAS agents, which is publicly accessible. If you have a complaint about our tax agent services, you should first contact us at [email protected]. You may then lodge a complaint with the TPB following their published processes. 

8.7 Use of Offshore Service Providers (Tax) 

To support efficient and cost-effective tax services, we may use offshore service providers in preparing or processing your Tax Return. These providers: 

  • operate under strict confidentiality agreements; and 
  • are bound by privacy and security obligations comparable to Australian standards. 

We take reasonable steps to ensure your data remains secure and confidential in compliance with the Privacy Act 1988 (Cth), including Australian Privacy Principle 8 regarding cross-border disclosure. By accepting these Terms, you acknowledge and consent to this arrangement. 

9. WILLS & LEGAL DOCUMENT SERVICES 

This section applies where you use our Wills or other Legal Document templates, guides or related online services. 

9.1 Nature of Service – no legal advice 

Our Wills and Legal Document services: 

  • provide templates, tools and general information only; 
  • do not take into account your personal circumstances; 
  • are not a substitute for legal advice; and 
  • do not create a solicitor–client relationship. 

Your use of our templates and information is at your own risk. If you use the materials incorrectly, you may not obtain the outcome you desire and may suffer Loss. We are not responsible for any such Loss. 

You should obtain independent legal advice if you are unsure about: 

  • whether a template is appropriate for your circumstances; or 
  • how to correctly complete or execute a Legal Document. 

9.2 Licence and Permitted Use 

As set out in section 4.2: 

  • you are granted a licence to use the Wills and Legal Document products you have paid for or for which you hold an active subscription; 
  • you may use Final Documents for your personal purposes and make necessary copies; and 
  • you must not use our templates or Final Documents for commercial or professional purposes or for the benefit of third parties for a fee. 

9.3 Exclusions and Limitation of Liability – Wills 

To the maximum extent permitted by Law: 

  • we do not warrant that templates will be error-free, suitable for all purposes or compliant with all jurisdictional requirements; 
  • we are not responsible for how you complete or execute documents; and 
  • our liability in connection with Wills and Legal Document services is subject to the general limitation in section 7.2 and the Competition and Consumer Act provisions in section 18.  

10. LITTLE MONEY OFFERS 

This section applies where you use or access any Little Money Offer, including products that provide early access to funds, micro-savings or similar small-value benefits. 

10.1 Nature of Little Money Offers 

Little Money Offers: 

  • may be provided by us or by third-party providers we partner with; 
  • may involve fees, eligibility criteria and terms specific to that product; and 
  • may be regulated as credit, financial or other products under Law. 

We will provide or make available product-specific terms for any Little Money Offer. Those terms form part of this Agreement and prevail over these general Terms where inconsistent. 

10.2 No Financial Advice 

Information we provide about Little Money Offers: 

  • is of a general nature only; 
  • does not take into account your objectives, financial situation or needs; and 
  • should not be relied on as financial product advice. 

You should obtain independent financial advice before using any Little Money Offer. 

10.3 Third-Party Involvement 

Some Little Money Offers may be comparable in concept to commonly available pay-advance or wage-access products in the market; however: 

  • we do not endorse or guarantee any third-party product; and 
  • the provider of the product is solely responsible for its terms, performance and compliance with Law. 

Our liability in connection with Little Money Offers is limited as set out in sections 7 and 16.  

11. AFFILIATED THIRD-PARTY OFFERS (INCLUDING PRIVATE HEALTH INSURANCE & SUPER) 

From time to time, we may: 

  • present or refer you to third-party Financial Products, including but not limited to private health insurance, superannuation or other insurance and financial products, and home loan or mortgage products; or 
  • receive referral fees or commissions from such third parties. 

11.1 Role as Referrer or Facilitator 

Unless expressly stated otherwise: 

  • we act only as a referrer or facilitator; 
  • the third party is responsible for: 
    • product disclosure statements and other regulatory documents; 
    • assessing suitability and eligibility; and 
    • ongoing product administration and claims; and 
  • any decision to apply for or take up a third-party product is solely yours. 

You will be subject to the third party’s terms, conditions and privacy policy. Those terms govern your relationship with the third party and their product. 

11.2 No Financial Advice 

Any description or comparison we provide in relation to private health insurance or other Financial Products is: 

  • general information only; and 
  • not personal financial product advice. 

You should read the third-party product disclosure material and consider obtaining independent advice. 

11.3 Mortgage & Home Loan Referral Service 

From time to time, we may offer to refer you to our internal Mortgage Broker or a related entity for assistance with home loans, investment loans, refinancing or other Credit Assistance (Mortgage Referral Service). 

By requesting or accepting a Mortgage Referral Service, you: 

  • authorise us to collect and securely share your basic contact and relevant financial details with a Mortgage Broker for the purposes of enabling them to contact you and provide Credit Assistance or assess your eligibility for a home loan or related product; 
  • acknowledge that the Mortgage Broker (and not One Click Life) is responsible for: 
    • providing Credit Assistance and any regulated credit services; 
    • making any suitability or affordability assessments required by Law; and 
    • providing all required credit guides, credit proposals, product disclosures and other regulatory documents; and 
  • acknowledge that: 
    • we do not provide credit advice or financial product advice in relation to home loans or mortgage products; 
    • any decision to apply for, vary or refinance a loan is solely yours; and 
    • you should consider the Mortgage Broker’s disclosures and, where appropriate, obtain independent financial or legal advice. 

We may receive referral fees, commissions or other benefits from a Mortgage Broker or related entity in connection with a Mortgage Referral Service. These amounts are not charged to you in addition to the fees disclosed by the Mortgage Broker and do not alter your obligation to pay any fees or charges disclosed by that Mortgage Broker.  

12. FEES, PAYMENT & REFUNDS (GENERAL) 

12.1 Fees and Fee Schedule 

You agree to pay all Fees in accordance with these Terms. 

  • We charge Fees for all Services used by you. 
  • A schedule of Fees will be available on our Sites and may be updated from time to time. 
  • The schedule current at the time you access or use a Service applies to you. 
  • If you use or access a Service after a revised Fee schedule has been published, the revised Fees apply. 

Where a product-specific Fee schedule is provided (for example, Tax Return Fees, NDR or Wills pricing), that schedule forms part of these Terms. 

12.2 Tax Fee Schedule (example – may be updated) 

By way of example, the following Fees may apply (subject to change and publication on our Sites): 

INDIVIDUAL TAX RETURN
Initial / upfront cost per person per year$99
Admin Fee & Fee From Refund$19
Refund Advance Administrative Fee (where applicable)$89
Amendment Fee$99
 
PRE-LODGEMENT INDIVIDUAL TAX RETURN
Initial / upfront cost per person per year$149
Admin Fee & Fee From Refund$19
Refund Advance Administrative Fee$89
Amendment Fee$99
 
RETURN NOT NECESSARY / NIL RETURN
Upfront or invoiced$29
Admin Fee & Fee From Refund$19
Amendment Fee$29
 
RENTAL, INVESTOR OR SOLE TRADER TAX RETURN
Upfront or from refund (if refund >$249)$249
Admin Fee & Fee From Refund$19
Refund Advance Administrative Fee$89
Amendment Fee$99
 
ESTABLISHMENT OF ATO PAYMENT PLAN
Upfront Fee$99
Amend Payment Plan$99
 
TAX AUDIT ASSURANCE$29
 
DEPARTING AUSTRALIA SUPER PAYMENT (DASP)$499
 
DEPARTING AUSTRALIA FINAL TAX RETURN 
Initial / upfront cost per person$149
Admin Fee & Fee From Refund$19
 
LATE PAYMENT FEE (see section 12.4)$19

Actual current Fees, including any Little Money or third-party related Fees, will be as displayed on our Sites. 

12.3 Payment methods 

We may provide payment options such as: 

  • credit card; 
  • PayPal; 
  • direct debit; and 
  • other options from time to time. 

You are liable for any transaction costs charged by the payment processor or merchant. 

When you pay via a payment gateway, you may be required to provide payment details (including card details). You: 

  • warrant that such information is accurate, complete and current; and 
  • agree that we are not liable for any Loss incurred by you arising from the payment gateway’s acts or omissions. 

12.4 Late Payment Fee and Interest 

If you fail to pay any Fee within 30 days of the Fee being charged: 

  • a Late Payment Fee of $19 may be charged; 
  • we may charge interest on unpaid Fees and Late Payment Fees at the rate of 15% per annum, calculated daily; and 
  • we may take reasonable steps to recover outstanding amounts, including engaging a debt collection agency and reporting your debt to credit reporting agencies. 

You agree to indemnify us for all reasonable costs of recovery on a full indemnity basis. 

12.5 Admin Fee & Fee From Refund (FFR) – Tax 

Where payment for a tax lodgement is not received at the time of lodgement, you may elect, or we may apply, Admin Fee & Fee From Refund (FFR). 

By using our Services, you authorise us to: 

  • receive your tax refund into our trust account; 
  • deduct: 
    • any unpaid current or prior-year Fees; 
    • applicable Admin Fee and FFR; and 
  • remit the balance (if any) to your nominated bank account. 

You warrant that: 

  • you reasonably expect to receive a tax refund from the ATO; and 
  • you have no known liabilities or offsets that would absorb the refund. 

If: 

  • you do not receive a tax refund; or 
  • the refund is insufficient to cover our Fees; or 
  • we are otherwise unable to deduct all Fees from the refund; 

then you remain fully liable to pay all outstanding Fees (including the Admin Fee) immediately upon issue of the ATO assessment. 

12.6 Direct Debit Service Agreement 

Where you provide bank account details for direct debit, you agree to any applicable Direct Debit Request service agreement and authorise the nominated direct debit provider to debit your account on our behalf. 

You warrant that you are an account holder or authorised signatory for the Nominated Bank Account. 

12.7 Bank Details and Errors 

You are solely responsible for ensuring your bank details are accurate. 

If you provide incorrect bank details and we attempt to transfer a refund or other amount: 

  • we may charge an admin fee (for example, $30) plus any bank charges incurred; and 
  • those amounts may be deducted from any returned funds before re-transferring the balance to you. 

We are not liable for any Loss attributable to incorrect bank details supplied by you. 

12.8 Refund Policy (Services Generally) 

Except to the extent required by the Australian Consumer Law: 

  • we do not offer refunds of Fees once Services have been provided; 
  • we may be required to provide a refund where: 
    • you cancel Services before they are provided; or 
    • there is a major failure with the Services. 

If a failure is not major, we may in our discretion: 

  • rectify the failure; 
  • re-provide the Services; or 
  • offer a refund. 

ATO decisions to review, hold, delay, adjust or audit your information are outside our control and do not of themselves constitute a failure of our Services.  

13. NEXT DAY REFUND (NDR) – PRODUCT-SPECIFIC TERMS 

This section applies in addition to all other Terms where you apply for or use Next Day Refund (NDR). 

13.1 NDR Overview 

NDR allows eligible clients early access to up to 50% of their estimated ATO tax refund, capped at $1,000. The total cost of a tax return with NDR is as published on our Sites (for example, $207 – subject to updates). 

By applying for NDR and accepting these Terms, you: 

  • request that we assess your eligibility; and 
  • authorise us to provide you with a tax refund advance where we approve your request. 

We may approve or reject any NDR request at our sole discretion. We are under no obligation to provide NDR. 

13.2 Eligibility Criteria 

To be eligible for NDR, you must (among other things): 

  • have a minimum estimated ATO refund (as calculated by OCL) of at least the threshold we publish (for example, $500); 
  • lodge a Tax Return for the relevant year specified for NDR (for example, 2025 lodgements for the 2025 NDR offer); 
  • have no prior outstanding debts with OCL; 
  • have no outstanding debts with the ATO; 
  • have no outstanding tax returns from prior years; 
  • have no known history of refunds being garnished or diverted (for example, by Centrelink, Child Support, insolvency or bankruptcy processes); 
  • be an Australian resident living in Australia; 
  • be at least 18 years of age; and 
  • have income capable of being verified through Single Touch Payroll (STP). 

If you are removed from our Tax Agent licence, you agree to be re-added and to use reasonable endeavours to remain attached until the NDR advance and all related Fees are fully repaid. 

13.3 Availability and Timing 

NDR is available for a defined period (for example, commencing 24 June 2025 for Tax Returns relating to the financial year ended 30 June 2025) and may be closed at our discretion. 

If we approve your NDR request: 

  • we will generally pay the approved NDR amount to you on the next business day; and 
  • all Fees and charges payable on lodgement of your Tax Return and the NDR service will be deducted from the NDR at the time of payment. 

13.4 Refund Direction and Trust Account 

You agree that: 

  • your ATO Tax Refund will be directed to the OCL trust account; 
  • we may update the ATO to direct your refund to the OCL trust account at the time of NDR and any subsequent period relating to the refund; 
  • we will deduct: 
    • the NDR amount; 
    • our Fees and charges; and 
  • we will then remit any remaining refund to your Nominated Bank Account. 

If the NDR amount and Fees are not fully recovered from the refund, the outstanding amount remains payable by you (see 13.5–13.7). 

13.5 Direct Debit Agreement and Automatic Payments 

If your ATO tax refund is not received into the OCL trust account within 45 days of the NDR: 

  • you agree that we may commence direct debiting your Nominated Bank Account; 
  • you authorise us to make a series of Automatic Payments from your Nominated Bank Account in accordance with a payment schedule (for example, a series of weekly payments of $100 plus any Late Fees until the NDR and associated Fees are repaid); and 
  • further direct debits of up to $100 may be made weekly until the full amount (NDR plus Late/Bounce fees) is repaid. 

You are responsible for ensuring sufficient funds are available for each Automatic Payment. 

13.6 Late Fees and Bounce Fees 

  • A Late Fee (for example, $19) may be charged on any overdue Automatic Payment. 
  • A Bounce Fee (for example, $30) may be charged for any failed direct debit. 
  • These Fees may be updated from time to time and as displayed on our Sites. 

You agree to pay all Late Fees and Bounce Fees charged to you. 

13.7 Non-Payment After 180 Days 

If the NDR advance and all associated Fees and charges are not fully received within 180 days: 

  • we may pursue all reasonable means to recover the amount owing; 
  • you will be liable for all recovery costs on a full indemnity basis, including debt collection charges; and 
  • you authorise us to report any bad debt to credit reporting agencies. 

13.8 Interest and Cost of NDR 

No interest is charged on the NDR advance itself. The cost of NDR is represented by the Fees and charges specified for the NDR service. 

13.9 Service Outages for NDR 

From time to time, OCL products and services (including NDR) may be unavailable due to: 

  • maintenance or updates; 
  • system or network failures; 
  • third-party connection issues; or 
  • emergencies (e.g. natural disasters or serious incidents). 

We will provide advance notice where reasonably possible but may not be able to do so in all cases.  

14. COMPETITIONS, PROMOTIONS & REFER-A-FRIEND 

From time to time, we may run promotions, competitions or referral programs (collectively, Promotions). 

  • The promoter is Mobile Business Devices Pty Ltd (ABN 17 602 368 945) trading as One Click Life. 
  • Specific terms and conditions for a Promotion (Promotion Terms) will be published on our Site or within our app during the relevant period. 
  • Promotion Terms prevail over these general Terms to the extent of any inconsistency for that Promotion. 

Example – Refer a Friend Competition: 

During the promotional period specified in the Promotion Terms: 

  • eligible entrants may earn entries by successfully referring friends who create an account; 
  • multiple entries may be permitted; 
  • winners may be drawn periodically and notified via mobile, email or in-app messages; 
  • we may verify entrants’ identity, age and residence, and disqualify entries in cases of suspected fraud, tampering or non-compliance. 

Unless otherwise required by Law: 

  • the Promoter’s decision is final; 
  • we may use winners’ name, likeness, image and/or voice for promotion without further remuneration; and 
  • we exclude liability for any Loss associated with the Promotion, except where such liability cannot be excluded by Law (including Non-Excludable Guarantees).  

15. SERVICE OUTAGES, BROWSER SECURITY & SOCIAL FEATURES 

The provisions relating to browser security, external links, blogs, forums, social media and Applications in the Wills terms apply across all Services. In summary: 

  • you should ensure your own system security and keep software up to date; 
  • we are not responsible for interference, malware or damage arising from your use of our Sites or linked sites; 
  • any personal information or content you post in blogs, forums or social media may be read, collected and used by others; and 
  • we are not responsible for misuse of such information by third parties.  

16. INDEMNITY 

You agree to indemnify and hold us (and our related bodies corporate, officers, employees and agents) harmless from and against all claims, Loss, liabilities, costs and expenses (including reasonable legal fees) arising out of or in connection with: 

  • your access to or use of the Sites or Services; 
  • your breach of these Terms or any Law; 
  • any claim that your use of the Services (other than in accordance with these Terms) infringes any third-party rights; or 
  • any unauthorised access to your User Account caused or contributed to by your acts or omissions, 

except to the extent such Loss is caused by our negligence, fraud or wilful misconduct, or by inaccuracies or errors in information provided by us. 

This clause survives termination of this Agreement. 

17. DISPUTE RESOLUTION & COMPLAINTS 

17.1 Internal Complaints 

If you wish to raise a dispute or complaint, you should contact us as soon as possible: 

  • For general or tax-related complaints: 
  • For NDR-specific complaints: 
    • use the contact details above or as specified in NDR product materials. 

We will: 

  • acknowledge receipt of complaints within a reasonable time (generally within 1 business day); 
  • provide an initial response within a reasonable period (for example, within 10 business days); and 
  • aim to resolve complaints within a reasonable timeframe (for example, 21 days), 

subject to any additional information required from you. 

17.2 External Escalation (Tax and Regulatory Matters) 

If you are not satisfied with the outcome of your complaint after our internal process: 

  • for tax matters, you may contact the Australian Taxation Office or the Tax Practitioners Board in accordance with their complaint procedures; 
  • for Financial Products (e.g. private health insurance, super or other regulated products), you may have additional rights to escalate complaints to external dispute resolution schemes such as AFCA or as specified by the relevant product provider. 

17.3 Binding Arbitration (Where Applicable) 

Subject to any non-excludable rights under Law, if we cannot resolve a dispute by informal negotiation: 

  • the dispute may be resolved exclusively by binding arbitration in Perth, Western Australia, in accordance with applicable arbitration rules; 
  • the unsuccessful party will generally bear the costs of arbitration, as determined by the arbitrator; and 
  • the arbitrator’s decision will be final and binding, except where a right of appeal is conferred by Law. 

We may bring court proceedings (without arbitration) where the dispute involves intellectual property infringement, injunctive relief or small claims. 

17.4 Class Action Waiver 

To the extent permitted by Law: 

  • disputes must be conducted on an individual basis; and 
  • you agree not to participate in a class action, private attorney-general action or other representative proceeding against us in relation to the Services, unless we otherwise consent in writing. 

18. AMENDMENTS TO THESE TERMS 

We may update these Terms and any OCL Policies at any time by: 

  • publishing the updated version on our Sites; and/or 
  • notifying you by email, SMS, in-app notice or similar. 

If you continue to access or use our Sites or Services after being notified of an update, you will be deemed to have accepted the updated Terms. 

You should check these Terms regularly. We will endeavour to highlight any significant or substantive changes, but it remains your responsibility to review them. 

19. GOVERNING LAW & JURISDICTION 

This Agreement is governed by the laws of Western Australia, and you submit to the exclusive (or where stated, non-exclusive) jurisdiction of the courts of Western Australia and the Commonwealth of Australia. 

If you access our Sites from outside Australia: 

  • we do not represent that our Sites or Services comply with the laws of your jurisdiction; and 
  • you are responsible for complying with local laws at your own risk. 

20. MISCELLANEOUS 

  • Entire agreement: These Terms, together with the OCL Policies and any Product-specific Terms, constitute the entire agreement between you and us regarding the Services and supersede all prior agreements. 
  • Severability: If any provision is illegal, void or unenforceable in a jurisdiction, it is severed in that jurisdiction to the extent of the illegality, voidness or unenforceability, without affecting the remaining provisions. 
  • No waiver: A failure or delay by us to exercise any right or power under this Agreement is not a waiver of that right or power. 
  • Assignment: We may assign, novate or otherwise transfer any of our rights or obligations under this Agreement at any time without your consent. You may not assign or transfer your rights or obligations without our prior written consent. 
  • Survival: Provisions relating to payment, intellectual property, limitation of liability, indemnity, dispute resolution and any other provisions that by their nature should survive termination will continue to apply after termination. 

21. CONTACT US 

If you have any questions about these Terms or our Services, you can contact us at: 

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CONFLICT RESOLUTION AND ESCALATION POLICY