Updated as of 1 January 2026.
The Laddr Group including TruePillars Pty Ltd (ACN 603 933 508), TruePillars Lending Pty Ltd (ACN 607 063 785) and Laddr Finance Pty Ltd (ACN 651 284 187) and its related bodies corporate (together “Laddr”) require you to comply with these online terms and conditions (the “Online Terms”) when accessing the Website and online and mobile sites and applications (including the Laddr Portal and Laddr website (together with the Website, the “Digital Channel”).
In the Online Terms, “you”, “your”, and “yours” refers to the person using the Digital Channel and “we”, “us” and “our” refers to Laddr.
Please read this document carefully as it sets out the terms under which you access and use the Digital Channel. Each time you use the Digital Channel, your use indicates your acknowledgement and acceptance of these Online Terms.
The terms and conditions applicable to products and services offered by Laddr, or terms of any other agreement between you and Laddr apply in addition to these Online Terms. To the extent there is any inconsistency between these Online Terms and the terms of the product or service or other agreements, the terms of the specific product or service or other agreement will prevail.
These Online Terms irrevocably govern the access and use of the Digital Channel. Any reference to other terms & conditions about the access and use of Digital Channel should be interpreted as a reference to these Terms.
By using the Digital Channel, you agree that you must:
Digital Channel can be used to access your Account. Account means the unique, personalised access point associated with your email address created for you upon registration with Laddr. Depending on the type of your Account, the Digital Channel may allow you to:
Not all products and services offered by Laddr, or all features of such products and services, are available through the Digital Channel.
You must only use the Digital Channel for its intended purpose.
If you need to contact us or there’s anything in this document that you’d like to clarify or know more about, simply contact us at:
info@laddr.com.au or on 1800 522 822
We may vary the Online Terms from time to time. We may give you notice of these changes by publishing the new Online Terms on the Laddr website, www.laddr.com.au (the “Website”), making them available through the Digital Channel or by an electronic communication.
We do not have to give you prior notice of a change other than where we make any changes which impose fees and charges for use of the Digital Channel, in which case you will be provided with the required notice in accordance with the provisions of your loan contract. Your continued access and use of the Digital Channel following any such changes will be deemed to signify and confirm your acceptance of any such changes.
The content of the Digital Channel is the exclusive property of Laddr or is used by Laddr under licence from another party. Users of the Digital Channel are prohibited from using any intellectual property, including any trademarks, logos and marks for any purpose without the prior written permission of Laddr.
All information and content available on or through the Digital Channel (including any software tools or programs) (“Content”) is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content for any commercial or public purpose. Laddr reserves the right to change, remove or add to the Content, or to limit access or cease providing Content.
The Digital Channel may contain hyperlinks to third-party sites and materials (“Links”). These Links are provided for information purposes only and Laddr does not thereby endorse or authorise the content of such Links or imply any ownership or control over such Links. You should assess the risks and consider the reliability of the content of such Links before relying upon or retrieving information from such Links.
Subject to any change notified in accordance with section 2, the Digital Channel are provided to, and can be used by, Laddr customers free of charge however at all times standard fees and charges for using Laddr products and services still apply regardless of how such use is effected. If you are downloading or accessing the Digital Channel through your mobile service provider or through Wi-Fi, you may incur internet data charges from your mobile or internet service provider.
You agree that, by downloading and signing in to the Laddr Online portal, Laddr may send messages to your nominated mobile number. Laddr is not liable for any loss or damage you suffer as a result of any person other than you accessing those messages. You may incur charges from your mobile or internet service provider as a result of such message. Any such charges are your responsibility.
You must, without limiting any other obligation to Laddr, take all reasonable steps to:
If your mobile device has been compromised, the security of your device operating system may have also been compromised. This makes you susceptible to third-party applications that may contain malware or the ability for third parties to harvest your information, including information available through applications on your mobile device. Laddr will not be liable for any loss arising from your use of the Digital Channel or any other loss that may arise in connection with the Digital Channel as a result of your device being compromised.
We recommend that you keep the operating system and security software for your mobile device updated with any releases issued by the manufacturer of the mobile device or your system provider.
You must advise us as soon as possible of the loss, theft, misuse of Access Methods or electronic equipment used to access the Digital Channel. You must also report as soon as possible if you believe there has been unauthorised access to your Account.
If you need to contact us outside of our available contact hours, please leave a message or send an email and we will contact you as soon as possible. Our contact details are located at section 1.4 of these Online Terms.
Access to the Digital Channel may occasionally be limited or unavailable due to hardware or software failures or defects or other matters outside of Laddr’s control. From time-to-time access to the Digital Channel may also be limited or unavailable due to routine or ad hoc system upgrades or testing. Access to and use of a Digital Channel is offered on an “as is, as available basis” only. You are responsible for ensuring that you have adequate contingency plans to enable you to transact by other means in the event of an interruption or unusual delay in respect of the operation of a Digital Channel. To the extent permitted by law, Laddr will not be liable for any loss or damage incurred as a result of the Digital Channel being unavailable or limited for any reason.
Laddr Online is a browser-based service so all you need is a compatible browser.
For security reasons, you will be automatically signed out of the Digital Channel after a short period of inactivity.
There are different authentication methods for the Digital Channel.
If you use the Laddr portal or website, access to your Account is authenticated through single sign-on authentication via trusted third party partners, or email and password and a verification code may be sent to your registered mobile number.
You must ensure your passcode, password and/or biometric identifiers (collectively, Access Methods”) remain secure. As keys to your Account, Access Methods allow anybody using them to conduct operations on your Account. You authorise us to allow any transaction or act on any instructions received on an Account for which the correct Access Methods have been provided.
SMS code is an additional layer of security to protect your Account. For certain transactions on the Digital Channel, you’ll be sent an SMS code to your mobile number, which you will need to input to complete the transaction.
We don’t charge you a fee for sending a SMS code to your mobile number. However, your mobile phone service provider may impose fees and charges, including fees and charges for sending and receiving SMS messages. The payment of any such fees is the responsibility of the mobile phone account holder. If you have any concerns regarding such fees and charges, please speak to your mobile service provider.
All Content provided or displayed through the Digital Channel is provided on an “as is” basis. Laddr does not warrant the results that may be obtained from the use of the Digital Channel, or the accuracy, adequacy or reliability of any Content obtained through the Digital Channel, regardless of whether the Content is from Laddr or any other third party, and Laddr expressly disclaims liability for errors or omissions in the content. Notwithstanding any other provision of the Online Terms, no warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, satisfactory quality, merchantability, fitness for a particular purpose and freedom from computer virus or other invasive or damaging code, is given in conjunction with the Digital Channel.
Whilst we endeavour to provide you with an accurate account balances for your Accounts through the Digital Channel, transactions on your Accounts, howsoever effected, may not be reflected until up to 3 business days after the transaction is processed. Should you require confirmation of receipt of funds or payments made from or to your Account please contact Laddr.
Any information provided in the Digital Channel is general in nature and, unless expressly stated otherwise, does not constitute an offer or invitation for finance or to enter into a legally binding arrangement for any of Laddr’s products or services. All applications for finance through Laddr’s products and services are subject to standard credit approval, fees, terms and conditions.
Laddr does not make any representation that the Digital Channel or its products and services are appropriate or suitable for you or your circumstances. You acknowledge that your use of the Digital Channel and any enquiries or application for any products or services offered by Laddr is not made as a result of any inducement by Laddr and that any information available through the Digital Channel is not to be treated as and does not constitute financial advice.
Laddr will collect information about your use of the Digital Channel. We will manage this information in accordance with our Privacy Policy, available through our website. Such information may also be used for the purposes of analytics, research, and improvement of our products and services.
Laddr may change, suspend or terminate any of the Digital Channel at any time, in its absolute discretion.
Despite any right contained in these Online Terms, we can suspend, block or terminate your access to the Account, any associated features or the Digital Channel without telling you if:
The suspension, blockage or termination of your access to the Account or the Digital Channel does not affect the conditions in these Online Terms including relating to your obligation to indemnify Laddr and limitations on Laddr’s liabilities.
These Online Terms are governed in accordance with the laws in force in Victoria.
To the extent permitted by law, Laddr is not liable to you for any loss or liability arising from or in connection with the Digital Channel. This may include, without limitation, loss or liability arising from:
You agree to indemnify Laddr and all other users of the Digital Channel against any claim, loss, cost, damage, action or expense which Laddr or any other user may experience arising from your use of the Digital Channel, your failure to keep your Access Methods secure, the use of the Digital Channel by any person on your behalf or the use of your Access Methods by any other person, including any use not approved or contemplated by you.
It is important to enter the correct BSB and account information when authorising payments from your Account. We rely on the BSB and account number entered by you to process the payments. We do not verify the account name provided with the BSB and account number. Where you enter the wrong BSB and/or account number:
You will not be responsible for an unauthorised payment where in our reasonable opinion you didn’t contribute to the unauthorised payment.
We may consider that you have contributed to unauthorised payment where:
