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Terms & Conditions



"Agreement" means these Terms and Conditions of the bill payment service.

"Biller" means the person or entity to which you wish a bill payment to be directed or is the person or entity from whom you have requested to receive billing statements from electronically through the Services, as the case may be.

"Business Day" is every Monday through Friday, excluding bank holidays.

"Due Date" is the date on which the payment is due, as reflected on your billing statement. It is not the late date or grace period date.

"Funding Account" is the Australian Financial Institution based account with cheque-writing privileges that you designate as the account to which your bill payments should be charged.

"Payee" is the person or entity to which you wish a bill payment to be directed.

"Payment Instruction" is the information provided by you to the Services for a bill payment to be made to the Payee (such as, but not limited to, Payee name, and Payee account number and Processing Date).

"Processing Date" is the date on which your Funding Account is debited and the payment begins processing. You can determine this date, based upon the Due Date.

"Provider" means any third party we use to provide the Services for you.

"NBF Bill Centre Billing Address" is the unique P.O. Box address that you are assigned upon enrollment in the Services. For bills you have redirected to us, this is your billing address.

"Scheduled Payment" is a payment that has been scheduled through the Services but has not begun processing.

"Services" means the bill payment and presentment services described in this Agreement, offered by NO BILLS FOREVER Pty Ltd, through [THIRD PARTY PROVIDER].

"Services Website" means and


You are entering into this Agreement with No Bills Forever Pty Ltd (hereinafter NBF) to obtain access to the NBF Services, the NBF Services Website, and NBF data in consideration of the payment of the fees we charge and subject to the Terms and Conditions of this Agreement. You will be deemed to have accepted the Terms and Conditions of this Agreement by clicking “I Accept” and then submitting your completed online application.

Your acceptance of this Agreement indicates not only that you agree to the foregoing and following provisions, but also that NBF can change these terms at any time, by giving you advance notice of the change (unless we conclude that, for security purposes, the change must be made effective before you are notified). These changes may include modifications to or elimination of any of the then current terms of this Agreement and adding new terms to the Agreement.

In order to use our Services:

  1. you must be an individual person at least 18 years of age and able to form legally binding contracts under applicable Australian laws;

  1. you must have a postal mailing address in Australia and a valid and active e-mail address;

  1. you must have a valid deposit account with an Australian financial institution; and

  1. you must be a Australian resident for tax purposes.

Other restrictions may apply.


Privacy Policy

Protecting your privacy is very important to us. At NBF, we seek to maintain a high level of information protection. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.
By registering for the Services, you agree to provide us accurate, current and complete information as required during registration, and to keep this information accurate, current and complete at all time.

Fair Use Policy

The Services are designed to be flexible within its designed parameters. The Fair Use Policy forms a part of our terms and conditions.


The Services are intended to be used to store & pay legitimate invoices for goods and services provided. NBF reserves the right to reject any bills or other images provided to us if, in our sole discretion, our acceptance of the bill or image represents a risk to business integrity or operation of the Services as a whole. For example, a bill or image can be rejected where the intended payment recipient is not able to be verified as a valid supplier of goods and services, or where the image does not have the nature of a bill.

Payment Authority

By registering for the Services, you agree that NBF will access funds from your Funding Accounts (Bank account/Credit card) you provide in order to pay your bills on your behalf. NBF only pays bills approved by you in your Payment Settings. NBF will access funds only as required to pay your bills and/or our fees (see Fees & Taxes below), and will do so only at a time required to ensure delivery of the payment on time or immediately for bills received near or past the Due Date indicated.


  1. directing posting of your bills to us; OR

  1. uploading the bill image through your secure client login using mobile or web application; OR.

  1. attaching the supplied identity sticker to a bill and providing an image of the bill to us; OR

  2. allowing any other person to do any of the above,

You agree to provide the funds to us required to pay the bill. We will obtain these funds by debiting your nominated bank account or credit card. You also agree that we are not responsible for any overdraft or insufficient fund situation or charge (including, but not limited to, finance charges, late fees or similar charges) caused by your failure to maintain a balance in the Funding Account that is sufficient to fund all payments you initiate. You further agree that we may charge a service fee of $20.00 for any returned payment, including but not limited to returns resulting from insufficient funds in your account, the fact that your account is closed, or because you provided incorrect account or routing information to us.

You are solely responsible for any use of the stickers we supply, including unauthorised use. These stickers would be treated as any other irrevocable authority to pay. The fact that you did not authorise the use of a sticker does not relieve you of the obligation to reimburse us. In any event that you lose control of use of these stickers, you should contact us immediately and we will have the stickers deactivated.

If NBF needs your verbal authority to confirm a bill, we will verify your identity using your stored information. When verification is completed successfully, you agree to provide the funds to us required to pay the bill.

Batch Payer Agreement (BPAY)

NBF is a Participating Batch Payer of the Westpac Batch Payer (BPAY) electronic payment scheme. BPAY allows NBF to make payments on behalf of its customers to billers who accept payment through the BPAY scheme.
You agree to be bound to the BPAY Agreement Terms and Conditions.
As Principal, you authorise and agree to NBF making BPAY payments on your behalf to discharge debts to billers participating in the BPAY scheme.
You acknowledge and agree that this NBF service is not intended, and does not show the intention, to indicate that NBF is in the business of solely making BPAY payments on behalf of third parties. BPAY payments made on your behalf, as Principal, are made incidental to the course of NBF’s ordinary business.
Please read the BPAY Agreement Terms and Conditions before instructing NBF to make BPAY payments on your behalf

Scheduling Payment

You must select the Processing Date for any payment, or specify a payment rule in the system that automatically selects this date for you. This date should be at least seven (7) Business Days prior to the Due Date to ensure timely bill payment. It is your responsibility to schedule payments (unless you have authorised automatic full payment of the bill amount for that biller as default setting under your Payment Settings Tab) to arrive by the Due Date specified on the billing statement.
Bills will be paid on a date as close as possible to the Due Date indicated. Where no Due Date is specified, we will use a payment date seven (7) days after the bill date. In making payments on your behalf, we take into account delays inherent in the payment system, weekends and public holidays and any payment date adjustments you make. Where we assess a bill as time sensitive (e.g, insurance policies, fines) the bill will generally be paid slightly earlier to allow for unexpected delays which would have a detrimental effect on you.
Payment Cancellation Requests. You may cancel or edit any Scheduled Payment (including recurring payments) by logging into your NBF account and making those changes up until the Processing Date. There is no charge for cancelling or editing a Scheduled Payment. Once the Services have begun processing a payment, it cannot be cancelled or edited. For any scheduled recurring payments, we will continue to charge your Funding Account for that payment and for other recurring payments until the expiration date you set for the payments or the date you cancel.
Prohibited Payments. Payments to Payees outside of Australia or its territories are prohibited through the Services.
Restricted Payments. Tax payments and court-ordered payments may be scheduled through the Services, however, such payments are discouraged and must be scheduled at your own risk. In no event shall the Services be liable for any claims or damages resulting from your scheduling of these types of payments.
Our Right to Refuse to Make Payments. We may refuse to make any payment that we believe to be prohibited by any applicable Australian laws. If you fail to maintain a balance in the Funding Account that is sufficient to fund any payment that you initiate, we may refuse to make any subsequent payment for as long as we determine to be necessary or appropriate. We also reserve the right and will promptly notify you of our decision to refuse to make any other payment.

Services Guarantee

Due to circumstances beyond the control of the Services, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Services will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Scheduling Payments" above, and we have issued you a confirmation number for a payment, unless we are not responsible to you for one of the reasons listed below.
The Services will use its best efforts to make all your payments properly. However, the Services shall incur no liable and any Service Guarantee will be void if the Services are unable to complete any payments initiated by you because of any one or more of the following circumstances:
1.Your Funding Account does not contain sufficient funds to complete the payment or the charge is rejected or returned by your bank or financial institution.
2. Your Funding Account is closed.
3. The payee rejects or returns the payment for any reason.
4. Your equipment, software or any communications link is not working properly.
5. The Services are unavailable and you know or we have told you about the problem before you send the payment.
6. You have provided us with incorrect information about the payee you wish to pay.
7. The payee mishandles or delays handling or posting any payment we send.
8. Circumstances beyond our control (such as, but not limited to, fire, flood, interference from an outside source, postal delays) prevent or delay the proper execution of the transaction and the Services have taken reasonable precautions to avoid those circumstances as contemplated in "Scheduling Payments" above.

Provided none of these foregoing exceptions are applicable, if the Services cause an incorrect amount of funds to be removed from your Funding Account or causes funds from your Funding Account to be directed to a Biller which does not comply with your Payment Instructions, the Services shall be responsible for returning the improperly transferred funds to your Funding Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment-related charges.


NBF uses modern security technology to protect your information. By using the Services, you agree to take all appropriate precautions, including keeping your login, password and identity stickers safe. Making use of updated virus protection on your account access computer, you are solely responsible for all activity on your account, and for all charges incurred through use of NBF service. If you permit other persons to use the Services or your password or other means to access your account, you are responsible for any transactions they authorise. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Services without your consent or has transferred money without your permission, you must notify the Services at once during customer service hours.


Although taking all care and precautions, use of the Services could be disrupted if a financial institution, business partner, third party supplier or our system fails beyond our practical control. NBF will make all efforts possible to rectify these disruptions in timely manner and notify you of any undue delays. Please note that these disruptions can result in risks to you or your business, for example a delayed payment of a bill.
Mail Sorting and Shredding. You authorize us to open all physical and electronic mail we receive on your behalf, whether or not the mail is also or only addressed to you. You also authorise us to scan your paper bills into our system and to make and retain paper copies, electronic copies, or images of those bills.
Mail is categorized and handled as follows:
(i) All Surface Mail: opened and all bills, invoices, statements of account and similar items will be scanned into the system and hard copies shredded after 30 days of receipt. All other materials, whether included in the bill or sent to us separately, may be examined. Pertinent information other than a bill or billing inserts, such as a significant change in service or pricing, will be uploaded as separate document. Payments and other items that we determine that you need to receive (such as, but not limited to, a cheque from your Biller) will be sent to you at your designated mailing address. All other such mail (e.g, coupons, advertising, newsletters, etc.) will be shredded and discarded. While discarding, we use our judgment and are not responsible if you disagree as to our decision in that regard.
(ii) Packages/Junk Mail: we are not responsible for forwarding such packages to you. You must make arrangements with those parties from whom you expect packages to be sent to you. If a package is sent to you at your Processing Centre Billing Address, it will be refused and returned to the sender.
Account Activity Statement. Every time we direct debit your nominated account for charges against our Services used, we will send you e-mail notification of the arrival of your Account Activity Statement. Your Account Activity Statement will include a summary of all your account activity and transactions from the time we last debited your account for Services used and top up of your NBF account. You agree to promptly review each Account Activity Statement and to notify us immediately if there are any suspected unauthorised payments or errors.
REFUND POLICY - In Case of Errors or Questions about a Payment
ALL QUESTIONS ABOUT PAYMENTS MADE THROUGH THE SERVICES OR WITH YOUR ACCESS ID MUST BE DIRECTED TO US AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR FUNDING ACCOUNT. We are responsible for the Services and for resolving any errors in payments made through the Services or with your Access ID. If you think that a payment shown on the statement for your Funding Account is in error or if you need more information about a payment shown on your Financial Institution statement, please write us at OR call us at 1300 969 6231300 969 623 as soon as possible if you think that a payment shown on the statement for your Funding Account is in error or if you need more information about a payment shown on your Financial Institution statement. When you write or call us, you must:
1. Tell us your name and the NBF account number.
2. Describe the payment and/or transfer (with bill reference number) you are unsure about (Payee name, account information, transaction date, transaction amount) and explain as clearly as you can why you believe it is an error or you need more information.
3. Tell us the dollar amount of the suspected error.
If you inform us of your complaint orally, we may require that you send your complaint in writing by electronic mail, within ten (10) Business Days.
After receiving your written complaint, we will submit our reply to you within ten (10) Business Days and will correct any service errors promptly. If we need more time, we may take up to forty-five (45) days to investigate. If we decide to do this, we will re-credit the affected account within ten (10) Business Days after we hear from you, so that you may use the money.
If we ask you to put your complaint in writing but do not receive it within ten (10) Business Days, we may decide not to re-credit your account. After investigation, if we decide that there was no error, we will email you a written explanation and within three (3) days debit your account of the amount previously re-credited.
Changes to Your Information. It is your sole responsibility to ensure that your profile information is current and accurate. This includes, but is not limited to, name, physical address, e-mail address and Funding Account information. Profile information may be updated through Profile Tab in your NBF account login. All changes made are effective immediately for schedule and future payments paid from the updated Funding Account information.
The Services are not responsible for any mail or payment processing errors or fees if you do not update your account information, or if you do not provide accurate Funding Account or contact information.

Consent to Electronic Communications

We are an electronic, Internet-based service. Therefore, you understand and agree that this Agreement will be entered into electronically and that the following categories of information (Communications) may be provided by electronic means, either by e-mail or posted on the Services Website as described below:
1. This Agreement and any amendments, modifications or supplements to it.
2. Your records of any payment and other transactions through us, including without limitation payment histories and confirmations of individual transactions.
3. Any disclosures or notices provided in connection with the Services.
4. Any customer service communications, including, but not limited to, communications with respect to claims of error or unauthorised use of the Services.
5. Any other communication related to the Services.
All electronic Communications will be deemed to have been received by you no later than five (5) business days after we sent it to you by e-mail or posted on our Services Website, whether or not you have retrieved or acknowledged the receipt of the Communication. An electronic Communication by e-mail is considered to be sent at the time that it is directed by our e-mail server to the appropriate e-mail address provided by you.
In order to access and retain Communications, you must have:
1. An Internet browser that supports 128-bit encryption, such as Netscape Navigator version 4.7x or above or Internet Explorer version 5.0 or above.
2. An e-mail account with an Internet Service Provider and any software required to send and receive emails.

Fees & Taxes

On charges falling due as per your agreed plan and usage, NBF will charge your nominated account the fees for use of the Services. A charge for the use of a credit card to pay bills (of 1.75% for Visa or MasterCard) or of any reimbursements for costs we have incurred (plus administration fees) as a result of your actions, for example funds not being available in your accounts, and any fees applicable as a result of excessive or unreasonable use (see the Fair use Policy).
If we are not reimbursed immediately, you must also reimburse us for our cost of funds. We will do this by applying interest on the unreimbursed amount between the time we make the payment and the time we are reimbursed at the same rate as we are able to borrow funds.
When fees are charged, NBF will post a record of the fees charged as a paid bill in your account on the service. You are responsible for all taxes applicable to the fees in any applicable jurisdiction. You are also responsible for any costs incurred or associated with connecting to the service, for example, internet service provider costs and telephone call costs.


You acknowledge and agree that from time to time, the Services or the Services Website may be delayed, interrupted or disrupted periodically for an indeterminate amount of time due to circumstances beyond our reasonable control, including but not limited to, any interruption, disruption or failure in the provision of the Services, whether caused by strikes, power failures, equipment malfunctions or other reasons.
Any information provided on a NBF Services Website, via the Services or by a NBF employee is provided in good faith, and NBF accepts no responsibility for the accuracy, completeness or timeliness of the information. NBF does not represent or warrant that information available through the service is accurate, complete, reliable, current or error-free, and expressly disclaims any warranty or representation as to the accuracy or proprietary character of the service or any portion thereof.
While we attempt to make your access to and use of the service safe, in today’s open Internet environment, NBF does not represent or warrant that any element of the Services are free of viruses or other harmful components.

Limitation of Liabilities and Indemnity

You acknowledge that you waive and will not assert any claims or allegations of any nature whatsoever against NBF, billers or other partners and all of their directors, agents or staff in any way relating to your use of the Services. This also means that you will not claim or allege an infringement of proprietary rights, any inaccuracy of the Services, or allegations that any person or entity has or should protect you from any claim or allegation arising from your use or other exploitation of the Services. You use the Services at your own risk.
Without limitation of the foregoing, NBF will not be liable for any direct, special, indirect or consequential damages, or any other damages of any kind, including but not limited to loss of use, loss of profits or loss of data, whether in an action in contract, tort (including but not limited to negligence) or otherwise, arising out of or in any way connected with the use of the Services, including, without limitation, any damages caused by or resulting from your reliance on the Services or other information accessible via the Services, or that result from mistakes, errors, omissions, interruptions, deletion of files or e-mail, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of god, communications failure, theft, destruction or unauthorised access to the Services.
In no event shall the aggregate liability of NBF, whether in contract, warranty, tort (including negligence, whether active, passive or imputed), product liability, strict liability or other theory, arising out of or relating to the use of the Services exceed any compensation paid by you for access to or use of the Services during the three (3) months prior to the date of any claim.
You shall defend, indemnify and hold harmless NBF from any loss, damages, liabilities, costs, expenses, claims and proceedings arising out of your use of the Services, including any claims made by any person that any of your information provided to NBF infringes the rights, including the intellectual property rights, of any third party.

Inactive Accounts

If your account is inactive for at least three months, we may deactivate your account to minimise undue administration load to NBF. We will notify you by e-mail if we decide to deactivate your account. Deactivated accounts are not deleted – they are placed in storage and can be restored in next 30 days of notification. You may stop the deactivation by contacting us at Inactive accounts will be automatically terminated after three (3) months in storage.

Termination of Services

NBF reserves the right, without notice and in its sole discretion, without any notice or liability to you, to:

(i) terminate your use of the Services, or any portion thereof;

(ii) block or prevent your future access to and use of all or any portion of the Services;

(iii) change, suspend or discontinue any aspect of the Services; and

(iv) impose limits on the Services.

Termination/Change of Terms

We reserve the right to change the Services and this Agreement, including fees, in our sole discretion and from time to time. In such event, we will provide notice to you. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s).You or NBF may terminate these Terms and Conditions and your use of the Services at any time.
If you terminate your use of the Services, NBF agrees to settle and pay your balance into your nominated account within seven (7) business days. When your use of the Services is terminated, any or all of your data under our management is available for purchase at price we offer for period of one (1) month. Thereafter, data we store about you or on your behalf may be deleted. We may retain an archival copy of some or all of your data after termination, and you hereby grant us a non-exclusive, perpetual, irrevocable license to maintain such archival information for our internal business purposes.


Applicable Laws: The Services are operated by NBF from its principal place of business in New South Wales, Australia. You and NBF both benefit from establishing a predictable legal environment in regard to the service. Therefore, you and NBF explicitly agree that all disputes, claims or other matters arising from or relating to your use of the service will be governed by the laws of New South Wales and the national laws of Australia applicable therein. You consent to the jurisdiction of these laws.
Other Provisions: If any provision of these Terms shall be deemed unlawful, void or for any reason unenforceable, this will not affect the validity and enforceability of any remaining provisions. NBF may assign any or all of its rights under this Agreement to any party without your consent. You are not permitted to assign any of your rights or obligations under this Agreement without the prior written consent of NBF, and any such attempted assignment will be void and unenforceable. This Agreement sets forth the entire agreement between you and NBF with respect to the Services, and supersedes all other Terms or purported agreements. The Disclaimer of Warranty, Indemnity, the Other Provisions sections, and any other terms which by their nature should survive, will survive the termination of this Agreement.

Procedures If Your Access ID Has Been Lost, Stolen, or Compromised or There Has Been Unauthorized Use of Your Access ID: If you believe that your Access ID has been lost or stolen, or that someone is using your Access ID without your permission, notify us IMMEDIATELY in order to minimize your possible losses. The following is our contact information:

Telephone Number: 1300 WOW NBF (969 623)

E-mail Address:

Mailing Address:
No Bills Forever
Suite 1A Level 2
802 Pacific Highway
Gordon NSW 2072




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