NAB is providing you with the ability to request your Credit Information from Credit Simple via the NAB Credit Health Website which is hosted and operated by Credit Simple.

You are bound by these Terms of Use (including our Privacy Policy and Disclaimer) each time you create an account and browse the NAB Credit Health Website, or use any of our Services.

These Terms of Use may be updated from time to time in accordance with clause 9.1. Capitalised terms have the meaning given in the main body of these Terms of Use, or in clause 17.

    1. We provide you with the following services (together, the Services):
      1. access to your personal credit score and other credit information about you from a Credit Reporting Body (Personal Credit Information);
    2. If you access your:
      1. Personal Credit Information, you will also receive updates and alerts about your Personal Credit Information, including when it changes (Credit Information Alerts) and you can also query information on your credit report using the “question this” function;
    3. We grant you a non-exclusive, non-transferable, limited licence to use the Services for your personal and non-commercial use in accordance with these Terms of Use.
    4. You warrant that you will at all times comply with all relevant laws and regulations in your access and use of the Services, and provide true and accurate information, and you will cooperate in any investigation relevant to your use of the Website or our Services.
    5. You must keep your username and password (Login) confidential. You must not disclose to or allow another person to use your Login. Please change your password and contact us immediately if you become aware of any unauthorised use of your Login or any other breach of security. We may treat any access or use of the NAB Credit Health Website at any time by the use of your Login as access or use of the NAB Credit Health Website by you.
    1. Your access to the Services continues until (a) you cancel your NAB Credit Health account (by emailing us at in which case we will terminate your account as soon as practicable); or (b) the Services are suspended or terminated by us in accordance with clause 8.
    2. To be eligible to use our Services you must be:
      1. 18 years of age or older – you meet our identity verification requirements to confirm this; and
      2. resident in Australia – you must provide a current residential address in Australia when you register for NAB Credit Health and you must terminate your account if you are no longer a resident of Australia in the future.
    3. You must register for the Services in your personal capacity, and not through an agent or on behalf of any other person. On request you must provide confirmation of your identity, current address or any information you provide to us. We may report any unauthorised use of our Services as fraud, and may report any other suspicious activity using the NAB Credit Health Website to enforcement agencies or credit providers.
    1. You may use the NAB Credit Health Website to request access to, and correction of, Credit Information held by the Credit Reporting Body.
    2. If you request access to and/or correction of your Credit Information using the NAB Credit Health Website you:
      1. appoint and authorise us, to request on your behalf, that the Credit Reporting Body:
        1. provides you with your Credit Information (to be accessed through the Website) and/or updates that Credit Information;
        2. provides you with periodic Credit Information Alerts (to be accessed through the Website and/or provided to you by NAB Credit Health by email or other electronic means); and
        3. corrects your Credit Information (to the extent you ask us via the “question this” function on the NAB Credit Health Website)
      2. You acknowledge we may exercise your rights as an access seeker under Part IIIA of the Privacy Act 1988 (Cth) (Privacy Act) to the extent permitted by the Privacy Act.

    1. You must not:
      1. directly or indirectly use any content on the NAB Credit Health Website for the purpose of building, improving or providing any product or service that competes with all or any part of our Services or has similar features or functionality;
      2. use an anonymous proxy or other technique to prevent us from identifying your location or your IP address;
      3. use a robot, spider, scraper or other unauthorised automated means to access the NAB Credit Health Website or information featured on it, or harvest information from the NAB Credit Health Website, for any purpose;
      4. use the Services for any fraudulent or unlawful purpose, or in a way that will result in complaints, disputes or claims, costs or liability to us or you, or publish any material in any forum by any means that is, offensive, discriminatory, unlawful, threatening, harassing, defamatory, false, inaccurate or misleading;
      5. take any action which may disrupt access to, cause damage to, or interfere with the proper operation of the NAB Credit Health Website or our Services, including any action that may result in the introduction of any viruses, trojan-horse type programs, malware or any other material which is malicious or harmful; or
      6. do anything that compromises the security and/or stability of the Services, or interferes with or inhibits any other user of the Services.
    1. NAB owns all rights to the NAB Credit Health brand (including all NAB logos and trademarks); Credit Simple owns all rights to Credit Simple’s brand (including all Credit Simple logo and trademarks), and all the content available through the Services, including the Personal Credit Information, and system which is owned, hosted and operated by Credit Simple, together, whatever its nature (Site Content). You may not use or reuse in any form or by any means, any Site Content without our express prior written consent. Nothing on the NAB Credit Health Website should be interpreted as granting (by implication or otherwise) any license or right to use any of the Site Content or trademarks displayed on the NAB Credit Health Website, including by linking or framing. NAB prohibits the use of any of their trademarks as part of a link to or from the NAB Credit Health Website unless establishment of such a link is approved in writing by NAB in advance. All rights not expressly granted to you are expressly reserved by us and NAB.
    1. We will collect, use and disclose Personal Information in accordance with our Privacy Policy, and in accordance with the Privacy Act 1988 (Cth) and any other applicable privacy laws, including any determination, code or guideline issued under those laws in the Territory (in each case as amended or replaced at any time) (Privacy Laws).
    1. You may cancel your NAB Credit Health account at any time, in accordance with clause 2.1.
    2. We reserve the right to deny, suspend or terminate your NAB Credit Health account and/or access to the Services (in whole or in part) at any time, for any reason whatsoever (including any breach of these Terms of Use), at our absolute discretion. Your NAB Credit Health account and/or access to the Services may also be suspended or terminated (in whole or in part) by NAB in their absolute discretion. Where it is possible, we will notify you in writing of any suspension or termination and the reasons for it. If your NAB Credit Health account is terminated, your access to all Services will automatically terminate.
    3. On termination of any Services (in whole or in part) the following provisions apply in respect of the Services that are terminated: (a) each licence granted by us in respect of the Services also terminates; and (b) you must immediately cease using the Services and delete copies of our Confidential Information. On termination of any Services (in whole), we will delete your Personal Information, except to the extent we’re required by law or by our internal document retention policies to retain it, or have the right to retain it under any rights granted to us through our Privacy Policy.
    1. We may amend these Terms of Use, our Privacy Policy and Disclaimer from time to time at our sole discretion by publishing an updated version on the Website. You should check the Terms of Use, our Privacy Policy and Disclaimer regularly, prior to using the Website, to ensure you are aware of any changes, and only proceed to use the Website if you accept the new Terms of Use, Privacy Policy and Disclaimer (as applicable). Your continued use of our Services following any amendments indicates that you accept the amendments.
    2. We and NAB reserve the right to change, cancel or discontinue (temporarily or permanently) the Services at any time. If we or NAB cancel or discontinue the Service (where not due to your acts or omissions or breach) we will endeavour to provide you with notice (which may include notice via the Website) in accordance with any applicable laws or industry codes.
    1. Disclaimer & Liability – While we endeavour to provide the Services (including all information forming part of the Services) accurately and in accordance with the Service’s stated description, you acknowledge the following (to the extent permitted by law and subject to clause 9.2):
      1. the Services are provided strictly on an “as is” and “as available” basis.
      2. we exclude all liability to you for:
        1. the Services being inaccurate, incomplete or unsuitable;
        2. any delay or unavailability of the Services, or the Services being out-of-date;
        3. any data loss or corruption, or any viruses or other harmful components associated with Services;
        4. any use of the Services by you, including any financial decision or action taken by you or anyone else in reliance on the information provided on the Website or through the Services. We recommend that you seek advice from an appropriately-qualified financial adviser before choosing to apply for any Offer if you need assistance; and
        5. any fraudulent or unauthorised registration of a NAB Credit Health account or any information contained on the Website or available through the Services;
      3. we are not liable to you (whether in contract, tort, negligence or otherwise) for any loss of profit, revenue, anticipated savings, goodwill, reputation or opportunity, or any other indirect or consequential loss;
      4. to the extent we have any liability to you in relation to the Services or under these Terms of Use (other than for our fraud, breach of clause 6 (Privacy) or under the indemnity in clause 11.2 (Third Party Claims)), our liability is limited to resupply of the Services; and
      5. to avoid doubt, references to the “Services” for the purposes of this clause 9.1 will also include your Credit Information and information given by or accessed in connection with your use of NAB Credit Health Website.
    2. Without in any way limiting clause 9.1, the following disclaimers also apply (to the extent permitted by law):
      1. Credit Reports – If you use NAB Credit Health Website to access your credit report, or other Credit Information, we do not represent that any debt identified on a credit report represents all amounts owing by you to all or to any particular lender. For example (without limitation):
        1. your personal credit report only covers defaults that satisfy the criteria for “Credit Defaults” under the Privacy Laws;
        2. additional interest and default fees may have accrued on your debt and
        3. you may have made payments to a lender which the lender has not yet notified to the Credit Reporting Body.
      2. Not financial advice – We do not provide any personal financial, legal or tax advice and we express no opinion on your debt repayment and debt management. You should seek advice from an appropriately qualified financial adviser before making any decision in relation to repayment of a debt if you need assistance.
      3. Countries – Use of our Services is strictly limited to residents of Australia. We make no representation or warranty that our Service is appropriate or available for use in other countries or that the content satisfies the laws of other countries. If you access our Services when you are travelling, you are responsible for ensuring that your access to and use of the Service is not illegal or prohibited in your relevant country.
      4. Links – The NAB Credit Health Website may contain links to other websites, including the websites of NAB (Third Party Sites). Links to Third Party Sites are provided for convenience only. We do not control and are not responsible for the Third Party Sites, nor do we endorse or make any representations about those sites or their content. If you access any of the Third Party Sites linked to the NAB Credit Health Website, you do so entirely at your own risk.
    3. The limitations on our liability and disclaimers set out in this clause 10 also apply to our Related Bodies Corporate and service providers, including Credit Reporting Bodies.
    1. To the maximum extent permitted by law, and subject to clause 10.2 and 10.3, any representation, warranty, condition, guarantee or undertaking that would be implied into these Terms of Use by legislation or otherwise is excluded. In particular, we do not warrant the accuracy, adequacy, timeliness or completeness of information available on NAB Credit Health Website or that it is suitable for your intended use.
    2. Nothing in these Terms of Use excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by Consumer Law or any other applicable law that cannot be excluded, restricted or modified (Non-Excludable Obligation). However to the fullest extent permitted by law, our liability for a breach of a Non-Excludable Obligation is limited, at our option, to the cost of supplying the Services again or payment of the cost of having the Services supplied again.
    1. You indemnify us from any Third Party Claims against us which arise due to your breach of these Terms of Use (including clause 2 (eligibility).
    2. We indemnify you from any Third Party Claims against you which arise due to our Services infringing a third party’s intellectual property rights (except to the extent caused by you and/or your breach of these Terms of Use). If our Services are alleged to infringe a third party’s intellectual property rights, we may, at our sole option and expense, elect to modify or replace the Services so they are non-infringing, or cancel supply of the Services and terminate these Terms of Use. To the extent permitted by law, this clause states our sole liability, and your sole remedy, with respect to our Services infringing a third party’s intellectual property rights.
    3. Each party’s liability under an indemnity is reduced to the extent that liability was caused or contributed by the other, and an indemnified party must: (a) promptly give written notice to the indemnifying party of the Third Party Claim; and (b) allow the indemnifying party to conduct the defence and settlement of that claim (provided the indemnified party is not detrimentally impacted).
    1. Each party must (unless expressly agreed otherwise): (a) use Confidential Information only for the purposes of the Services; and (b) keep confidential all Confidential Information and only disclose Confidential Information of the other party to its personnel who need to know for the purposes of providing the Services.
    2. The confidentiality obligations in clause 12.1 do not apply to information that: (a) is or becomes legally in the public domain at the time of disclosure without a breach of clause 13.1; (b) is legally obtained from a third party; (c) was in already in the possession of a party at the time of disclosure without any associated obligation of confidentiality; (d) has been independently developed by a party; or (e) is required to be disclosed by law or the rules of a stock exchange.
    1. Neither party shall be liable for non-performance or delays caused by an external event beyond the reasonable control of a party, including, without limitation, acts of war, terrorism, cyber or data security attack, civil commotion, epidemic, natural disasters, blockades, embargoes, strikes and lockouts, any other acts of god or act of any government or governmental agency (Force Majeure Event).
    1. You agree that any notices or other communications may be provided to you electronically (either by posting messages on the NAB Credit Health Website, or via the email you have provided as part of the registration process). You may send notifications to us via
    1. Assignment – You must not assign or novate these Terms of Use. We may assign our rights under, or novate, these Terms of Use to any of our group companies or in connection with a merger or consolidation involving us or the sale of substantially all of our assets.
    2. Delay – No delay or failure by either party to exercise a right under these terms prevents the exercise of that right or any other right on that or any other occasion.
    3. Severability – If any part of these terms is illegal or unenforceable, it will be severed from these terms and the remaining terms will continue in full force and effect.
    4. Survival – Any provision of these Terms of Use which is by its nature a continuing obligation will survive termination of these Terms of Use (e.g. clause 9 (Disclaimer and Liability), clause 10 (Implied Warranties) and clause 11 (Indemnity)).
    5. Laws – These Terms of Use are governed by the laws of Victoria, Australia.
    6. Interpretation – A word importing the singular includes the plural and vice versa, and references to “including” and “for example” shall be construed with the words “without limitation”.
    7. Currency – reference to “$” or “dollars” means AUD.
    8. References to our Related Bodies Corporate and service providers are intended to confer a benefit on those companies, and be enforceable by those companies.

    Confidential Information means all information that could be reasonably regarded in the circumstances as confidential and not part of the public domain, including a party’s business affairs.

    Consumer Law means consumer law as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth).

    Credit Information means Personal Credit Information as defined in clause 1.1.

    Credit Reporting Body means illion Data Registries Pty Ltd (ABN 38 101 620 446). Credit Simple is not a Credit Reporting Body.

    Credit Simple means Credit Simple (Australia) Pty Limited (ABN 14 614 444 790).

    NAB Credit Health Website or Website means the website available at the URL –

    NAB means National Australia Bank Limited (ABN 12 004 044 937).

    Personal Information means personal information (as defined in the Privacy Laws) that you provide to Credit Simple or authorise Credit Simple to collect at any time.

    Privacy Laws has the meaning in clause 6.1.

    Privacy Policy means the NAB Credit Health Privacy Policy (as amended from time to time) located at

    Related Body Corporate has the meaning given to that term in section 9 of the Corporations Act 2001.

    Services has the meaning in clause 1.1.

    Terms of Use means these Terms of Use, together with our Privacy Policy and Disclaimer available on the NAB Credit Health Website at

    Territory means Australia.

    Third Party Claim means any claim, suit, action or demand by a third party, and will include any directly related liability, cost, damage or expense (including a fine or penalty imposed by a regulator).

    Third Party Site has the meaning in clause 9.2(e).

    You means the end user that is accessing or using the Website or Services.

    We/us/our means Credit Simple (Australia) Pty Limited (ABN 14 614 444 790).