NOIZE Finance Website and Service Terms

1. Who we are

These terms apply to NOIZE Finance, operated by NOIZE Agency Pty Ltd as trustee for the NOIZE Agency Trust, ABN 16 692 550 998 (NOIZE, we, us). Contact us at hello@noize.com.au, 1300 496 689, or 227/10 Albert Avenue, Broadbeach QLD 4218.

This department is part of the connected NOIZE business. Other departments and related projects may involve different services or legal entities. They are not automatically parties to your contract.

2. What these terms cover

These terms govern use of this department website and, when accepted with an order or proposal, our agreed services. Visiting the site or sending an enquiry does not place a paid order or authorise recurring charges. You must have authority to place an order and give instructions for your business.

Your service contract comprises your accepted proposal or order, these department terms and any additional documents clearly identified and made available before acceptance. Express written variations and specific agreed order provisions take priority over conflicting general provisions in these terms. We cannot add adverse order conditions merely by issuing a later receipt.

NOIZE's central terms are available at https://noize.com.au/terms. These department terms are intended to stand on their own. Central terms supplement an order only where the relevant version has been made available and expressly incorporated at acceptance. A later publication or change to the central terms does not automatically rewrite an existing contract. These department terms prevail over conflicting general central terms unless an expressly agreed provision says otherwise. Mandatory law always applies.

Separate professional-provider contracts apply only to the work of the provider identified in those contracts. We explain any additional provider terms before you commit to the relevant work. A general link to a provider does not itself appoint that provider or establish its engagement.

3. Scope, instructions and delivery

We supply only the work agreed in your proposal or order. Deliverables, quantities, timing, assumptions and exclusions must be recorded there. Additional services from another department are not included unless expressly agreed. Information on the website illustrates available services and does not replace the agreed scope.

You must provide accurate instructions, lawful materials, required access and timely decisions through authorised contacts. Tell us promptly if relevant circumstances change. We will notify you if missing information, access or approvals affects delivery and discuss revised timing and any reasonable additional work before charging for it.

Changes to scope, price or significant delivery assumptions require agreement. We will distinguish corrections to our agreed work from chargeable changes you request. Estimated dates depend on the stated prerequisites; we will advise of material delays. We do not promise commercial results, platform performance or third-party decisions unless a specific lawful commitment is expressly agreed.

Please review each milestone or deliverable within seven days and provide consolidated feedback in writing. If no feedback is received within seven days, we may treat it as approved for project scheduling and progression. You can flag a NOIZE mistake at any time, including after approval or the seven-day period. We correct our mistakes and genuine failures to meet the agreed brief without charging a correction fee. Errors caused by incorrect or incomplete information you supplied, a change of direction, or new scope may be quoted as additional work. Approval and the included support period do not remove this correction promise or any rights and remedies that cannot lawfully be excluded.

4. Quotes, fees and payment

Your accepted order identifies fees, GST, payment timing, deposits, milestones and any recurring commitment. Prices are in Australian dollars unless clearly stated otherwise. Any ex-GST amount is labelled as such; the checkout or accepted quote must show the applicable GST and total payable. Mandatory fees and identified third-party costs are disclosed before commitment. Quote expiry and availability conditions must be stated in the quote; no expiry period is created by these terms alone.

We do not commence additional paid work or exceed an agreed authorised third-party budget without approval, except where a separately agreed emergency authority permits it. Necessary external commitments and whether we procure them as principal, reseller or agent are identified in the order.

Where you authorise recurring payments, the package, charge, frequency, start date, minimum period if any, renewal and cancellation conditions must be displayed before authorisation. We do not infer recurring-payment permission from an enquiry or marketing subscription. A separate direct-debit mandate may apply where identified.

We use payment providers for payment processing and may receive payment status, transaction identifiers and limited payment-method information. Do not submit full payment-card details in our enquiry forms. We do not impose prohibited card-payment surcharges. Legitimate other fees must be clearly disclosed and included in the required price presentation.

Tell us promptly about a disputed invoice. We will review the dispute in good faith. A late fee of 5% per month applies to an amount remaining unpaid more than 14 days after its due date, to cover administrative, interest and resourcing costs, subject to applicable law. We may give reasonable written notice and an opportunity to remedy before suspending affected work for overdue undisputed charges. Continued non-payment may lead to termination. Debt-recovery and security provisions below apply subject to applicable law.

Security, personal guarantee and debt recovery

Personal guarantee

Where your proposal or plan involves payment over time, including a payment plan, a deposit plus payment plan, or a term-based or instalment subscription or FTE or Fractional plan, or where your proposal otherwise states it, the authorised representative personally guarantees performance under the agreement. If your business fails to meet its obligations, you, as guarantor, agree to fulfil all payment obligations to NOIZE as if personally obligated.

Debt collection

If NOIZE cannot secure overdue payments after reasonable attempts, your account may be referred to a credit reporting or debt collection agency. You authorise NOIZE to add to the outstanding debt a fee of $50 plus an amount equal to 25% of the outstanding balance, covering NOIZE's reasonable debt collection expenses.

Security interest

If payment remains overdue, NOIZE may register a security interest over your business assets on the Personal Property Securities Register (PPSR), or otherwise assert a lien over any goods, services, intellectual property, or marketing material provided, until payment is received. You consent to registration of such a security interest and waive your right to receive a verification statement under the PPSA.

Non-circumvention

You agree not to directly hire or solicit any employee or contractor of NOIZE for a period of 36 months after the completion of the project. This applies to both employees and freelance contractors who have worked on your project. Any breach may result in legal action and a penalty of up to one year of the relevant employee's or contractor's annual billable fees.

These provisions apply subject to rights and limits that cannot lawfully be excluded. They do not treat an enquiry as an executed personal guarantee. The accepted engagement and any required separate guarantee/security documents must correctly identify the parties and authority. Where an accepted Talent placement or conversion arrangement expressly permits a hire, that express permission governs that hire.

5. Cancellation, renewal and ending work

The accepted order must identify any minimum term, cancellation notice, renewal or special cancellation conditions. If none is agreed, we will not invent a minimum term or automatically charge every future instalment as a cancellation fee. A cancellation request may be sent to hello@noize.com.au; use any additional cancellation mechanism stated in your order.

If you cancel work, we will account for work actually performed, reasonable unavoidable commitments properly incurred within the agreed scope, and any fair expressly agreed cancellation amount, subject to law. We will identify those amounts and refund any balance of prepaid funds that you are entitled to receive. A deposit is not automatically forfeited in every circumstance.

For a material breach, the non-breaching party may give written notice describing the issue and a reasonable opportunity to remedy where it can be remedied. Immediate suspension or termination may be appropriate for unlawful activity, serious security risks or other circumstances justified by law and the agreed scope. We will act proportionately and explain the effect on paid work and handover.

When an engagement ends, we will provide agreed completed deliverables and reasonably coordinate the return/handover of client-owned materials and access. Third-party licences and provider engagements may have separate disclosed ending conditions. We will not continue authorised recurring service charges beyond the applicable termination date, except amounts lawfully due for prior work/commitments.

6. Your materials, project rights and NOIZE intellectual property

You retain rights to your existing materials. You authorise us and necessary delivery providers to use them for the agreed work. You must have permission for materials and instructions you supply, including personal information and third-party content. We will raise a known rights concern rather than knowingly use unlawful material.

The proposal or order identifies whether commissioned deliverables are assigned to you or licensed, and when that occurs. Unless expressly assigned, our pre-existing methods, tools, reusable templates and know-how remain with their owner. We will identify material third-party licence restrictions and the rights needed to use your final deliverables. Ownership of a design does not automatically give rights to fonts, stock content, software or third-party marks. Source files and editable assets are supplied where included in the accepted scope.

The NOIZE brand, name, logos and associated brand intellectual property are used by NOIZE Agency Pty Ltd under licence from NOIZE IP Pty Ltd as trustee for the NOIZE IP Trust. Rights in that licensed NOIZE brand intellectual property remain with the relevant owner/licensor. Purchasing our services does not transfer those rights or grant a right to use the NOIZE identity, claim endorsement or sublicense it. Any permitted use requires separate written permission from the appropriately authorised rights holder or licensee. This clause concerns NOIZE's brand IP; it does not override the agreed ownership/licence of your own commissioned work.

We may display client work publicly only as permitted by the agreed engagement, confidentiality obligations and applicable permissions. Tell us of confidentiality restrictions at the outset. We will obtain separate permission where required for testimonials, sensitive case studies, identifiable personal information or public performance claims.

7. Confidentiality, access and delivery providers

Each party must protect the other's confidential information and use it for the engagement or another lawful authorised purpose. Necessary disclosures may be made to authorised team members, advisers and delivery providers with appropriate confidentiality controls, or as required by law. Confidential information does not include information lawfully public independently of a breach.

We may use appropriately scoped subcontractors and integrated providers. Our role and the provider's role are explained for the relevant work. Where NOIZE is your contracting supplier or reseller, using another provider does not automatically eliminate our own contractual or statutory obligations. Where you engage a professional provider separately, that provider is responsible for its professional services under its engagement and applicable law.

Relevant approved brand assets and work may be shared across NOIZE departments to coordinate your service. This does not mean all staff or departments have access to legal matters, identity documents, candidate records, payroll, tax or financial records. Access must be authorised and limited to the work involved. Do not send credentials, identity documents or highly confidential information through a general enquiry form; use the approved secure process.

8. Privacy, connected websites and tracking

We collect contact/company details, enquiries, bookings, orders and relevant service information to respond, provide agreed work, administer payments and coordinate delivery. We may also process technical information such as IP address, device/browser details, cookie identifiers, page activity, referrals and campaign events where our configured tools and your choices permit. We may connect permitted activity across covered NOIZE websites with enquiry/customer records for measurement and relevant personalisation.

Necessary site functions may use cookies or similar storage. Optional analytics and advertising tracking are controlled by the settings presented on the site. See the Privacy Policy and Cookie information linked in the footer for the covered websites, actual tracking providers, purposes, known overseas processing and choices. We do not treat accepting service terms as consent to every tracking technology. We do not bypass a refusal through undisclosed server-side tracking or device fingerprinting.

We may share relevant information with authorised NOIZE personnel, necessary service providers and an identified delivery partner for the requested work. Some systems/providers may process information overseas, as explained in the collection notice and Privacy Policy. No general “NOIZE ecosystem” statement authorises unlimited disclosure to separate project companies or partners for their own marketing.

We use reasonable safeguards, purpose-based access and retention suited to the records and legal obligations. No internet service can promise perfect security. We do not send confidential form content, identity/loan documents, payroll/tax information, legal facts or other sensitive records to advertising tools merely because they were supplied through a NOIZE site. We do not train general AI models on your confidential material without an appropriate specifically agreed arrangement.

You can contact hello@noize.com.au for access/correction requests, privacy questions or complaints, and change optional tracking using Cookie settings. We will assess the request, verify identity where necessary and respond within applicable requirements. Some records must be retained for legal, security or genuine contract-administration purposes; an unsubscribe is not an instruction to erase every service record.

The Privacy Policy and form notices explain our handling practices. They do not operate as a blanket waiver of privacy rights or as an automatic marketing authorisation.

9. Marketing choices across NOIZE

If you choose a clearly described NOIZE group marketing subscription, we may send permitted marketing about the departments covered by that choice. These may include Strategy, Creative, Print, Digital, Marketing, Sales, Talent, IT, Legal, Books, Accounting and Finance. The relevant form explains the sender and scope. Email, SMS and other channels follow the permissions given and applicable law.

Enquiring, supplying information, applying for work, booking a conversation or buying a service does not, by itself, subscribe you to all NOIZE promotional communications. You can receive replies, order confirmations and necessary service updates without subscribing to marketing. Any marketing based on a legally permitted inferred-consent basis must remain within that defensible scope, not automatically all departments or projects.

Promotions from additional projects or separate entities require an appropriately disclosed and valid permission/basis for that sender and subject. We do not treat “other NOIZE projects” as unlimited permission for unidentified future businesses. We do not share your details for unrelated partner marketing solely because you enquired with NOIZE.

You can unsubscribe from marketing through the message's unsubscribe facility or request assistance at hello@noize.com.au. Our central preferences provide a way to stop all NOIZE marketing for the relevant recipient/channel without creating an account. We record and honour withdrawal across department campaigns, including relevant direct-marketing audience use. A fresh enquiry does not automatically reactivate a withdrawn subscription. Necessary requested service communications may continue.

Consent records and marketing preferences are managed across our covered NOIZE sites so departments do not send around your choices. Cookie/tracking permission and marketing-message permission are separate choices.

10. Website use and external systems

Use the site lawfully. Do not interfere with security, impersonate others, upload malware, misuse confidential information or infringe rights. Site material and illustrations are general information unless expressly included in an accepted scope. We do not guarantee the site is continuously available. We will take reasonable steps appropriate to our role to address issues.

Third-party platform/provider links have their own terms and privacy practices. We identify material dependencies in the service scope. We are not responsible for every external provider decision, but remain responsible for our own agreed work and obligations. Link descriptions must not imply an unverified endorsement or professional authorisation.

11. Statutory rights and responsibility

Nothing in these terms excludes, restricts or modifies a consumer guarantee, remedy or other right that cannot lawfully be excluded. If goods or services fail to meet those rights, the remedies available under applicable law remain available. A business purchase or a custom-made product is not automatically exempt.

Responsibility for claims is assessed under the accepted agreement and applicable law. We do not use these terms to disclaim all liability, make every client indemnify every provider for every loss, or exclude responsibility for our own unlawful conduct. Any service-specific limitation or insurance requirement must be expressly stated and reasonable; no blanket monetary liability cap is imposed by these terms.

We will reasonably cooperate when events outside reasonable control affect delivery. Such events do not automatically entitle us to retain all prepaid funds without providing work or lawful remedies.

12. Complaints, notices and changes

Contact hello@noize.com.au with the order/reference, issue and desired resolution. We will acknowledge the issue and seek a fair resolution. Professional-provider complaints may also need the provider's complaints process and applicable independent regulator/ombudsman pathway; we will identify the relevant route for your engagement. These terms do not prevent approaching a regulator, court or other lawful dispute forum.

Operational notices go to the contact details in your order; tell us when those details change. Material scope/payment changes require the agreed process, not an unnoticed website edit. Neither party may transfer contractual responsibilities in a way that materially prejudices the other without the necessary consent; routine provider collaboration does not itself transfer the contract.

Queensland law governs our own agreement, subject to mandatory laws and jurisdictional rights. If a provision is unenforceable, the remainder continues to the extent lawful. Changes posted to website terms apply prospectively; existing orders continue on the terms accepted unless a lawful agreed variation applies. The version accepted must be recorded and available to you.

13. Referral and provider roles

NOIZE Finance helps organise business context, enquiries and agreed administrative support and coordinates referrals. NOIZE does not hold an Australian Financial Services Licence. This statement does not itself determine whether a particular credit or financial service requires authorisation; NOIZE must remain within its lawfully confirmed role.

Lending/brokerage and any regulated assessment/advice are delivered by our appointed partner or another appointed provider only after its actual legal entity, role, relevant authorisation and scope are identified. A brand name or “non-bank” description is not proof of licensing or an exemption. Before professional engagement we identify the provider terms, fees, referral relationship and complaint pathway.

We may receive referral fees/commissions or other disclosed commercial benefits. our appointed partner/provider terms govern its engagement. NOIZE remains responsible for its own agreed support and applicable duties. Business/commercial and personal/residential credit are not treated as legally identical; the actual product, purpose and borrower matter.

14. Applications, checks and outcomes

Submitting an enquiry is not loan approval, acceptance of a lender contract or automatic authority for a credit check. Checks and identity/application handling occur through the identified provider with the required notice/authority. Where we advertise “no credit check until you say yes”, the operational process must honour that promise and explain the relevant check; we do not collect broad undisclosed authority through these terms.

Provide accurate information through the approved secure process. Do not upload bank statements/identity documents into a generic marketing form. Application records are limited to authorised recipients and excluded from advertising pixels/session replay.

Assessment timing, rates, security, repayment, fees and lender conditions are confirmed by the relevant provider. An assessment is not approval and no funding outcome, rate or valuation is guaranteed. Obtain appropriate advice before committing to borrowing or security arrangements.

Any investment, private-lender offer or capital raising requires a separately reviewed lawful structure and relevant offer documents. This referral site's terms do not create or authorise such an offer.