Acceptance of Terms

By using the Perfect Score website, you agree to abide by these terms and conditions. If you do not agree with any part of these terms, we kindly ask that you do not use our site. Our goal is to provide you with valuable financial education and support, and we appreciate your trust in us.

Our Services

Perfect Score provides financial education and debt management services, offering personalised guidance to help you manage your finances, improve your credit profile, and monitor your credit activity. We deliver these services through various communication channels including email, phone and text, during our regular business hours. Perfect Score will not ship you any products to your address as all our services are provided online, Australia wide. Our approach is education-first, empowering you with the knowledge you need to make informed financial decisions.

Your Privacy Matters

We take your privacy seriously. Any personal information you share with us will be handled with the utmost care, in accordance with the Australian Privacy Act 1988 and our Privacy Policy. You can review our full Privacy Policy on our website to understand how we collect, use, and protect your information.

Your Responsibilities

To ensure the best experience, we ask that you:

• Provide accurate and complete information when required.

• Keep your login credentials secure.

• Take responsibility for all activities conducted under your account.

We’re here to support you, so if you ever need assistance, don’t hesitate to reach out!

Fees & Payments

We believe in transparent and fair pricing. Our service is offered for a one-time flat fee of $1,200 (inclusive of GST). Payment arrangements are flexible and can be tailored to suit your needs, at the discretion of your Perfect Score representative at the time of sign-up. We aim to make our services as accessible as possible, so if you have any concerns, we’re happy to discuss payment options that work for you.

Cancellation & Refund Policy

We’re truly sorry if you’re considering cancelling your service or requesting a refund. Our goal is to provide outstanding value, and we’d love the opportunity to understand your concerns and explore possible solutions.

If you do wish to cancel, please reach out to our management team at support@perfectscore.com.au so we can discuss your situation. While we strive to accommodate our clients' needs, refunds will be processed in line with the Australian Consumer Law, ensuring fairness and compliance with all relevant regulations. Any refunds issued will be processed through the original payment method.

Intellectual Property

All content on the Perfect Score website—including text, graphics, logos, and images—belongs to Perfect Score or our content providers and is protected by intellectual property laws. Please respect these rights and do not copy, distribute, or use our materials without permission.

Prohibited Use

We ask that you use our website and services responsibly. The following activities are not permitted:

• Engaging in unlawful activities.

• Soliciting others to perform illegal acts.

• Violating any laws or regulations.

We want our community to be a safe and valuable space for all users, and we appreciate your cooperation in keeping it that way.

Complaints & Dispute Resolution

Your satisfaction is extremely important to us! If something isn’t right, we sincerely apologise and will do everything we can to resolve the issue as quickly as possible.

If you have a complaint, please email us at support@perfectscore.com.au with full details. We aim to address all concerns efficiently and fairly. If we are unable to resolve the matter to your satisfaction, you have the option to escalate your complaint to the Australian Financial Complaints Authority (AFCA) for further assistance.

Changes to These Terms

We may update these terms from time to time to ensure they remain relevant and in line with industry standards. Any updates will be reflected on our website, and your continued use of our services signifies your acceptance of any changes.

Contact Us

If you have any questions or need further information about our services or these terms, please don’t hesitate to get in touch. You can find our contact details on our website—we’re always happy to assist!

Thank you for choosing Perfect Score. We look forward to helping you on your journey to financial success!