Terms and Conditions
Equifax Protect Promotion


Participation in this promotion is deemed acceptance of these Terms and Conditions. 

  1. This Equifax Protect (“Equifax Protect Offer”) is provided by Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142 (“NOW Finance”). 
  2. The Equifax Protect Offer commences at 12:00pm AEDT on 1 May and closes at 11.59pm AEDT on 4 August 2023 (“Promotional Period”).


  1. The Equifax Protect Offer applies to selected new customers who take out a single applicant NOW Finance personal loan with a loan amount between $20,000 and $24,999, that is lodged and settled during the Promotional Period (“Eligible Customer”).
  2. The Eligible Customers must be an Australian resident aged 18 years and over who is eligible to settle a personal loan with NOW Finance.
  3. This offer is open to new loan applications only and excludes variations to existing NOW Finance personal loan products including the refinancing of an existing NOW Finance personal loan. Refinancing from another company is fine.
  4. An eligible loan is defined as a single applicant NOW Finance secured or unsecured personal loan between $20,000 and $24,999 or more, used for any loan purpose (“eligible loan”).
  5. Once an Eligible Customer has held and paid all loan repayments in accordance with the terms of an eligible loan for 30 days after settlement of the eligible loan, the Eligible Customer can obtain a one year subscription of the Equifax Protect Product.
  6. To redeem the Equifax Protect Product, the Eligible Customer must redeem the offer via an email link provided by NOW Finance containing a unique offer code. The Equifax Protect Product is subjected to the terms and conditions at: https://www.equifax.com.au/protect
  7. The Equifax Protect Offer cannot be exchanged for cash.
  8. If you are a joint applicant, neither applicant is eligible for quality for this promotion.
  9. Any eligible loans paid out or closed before the unique offer code is provided will no longer be eligible for the cashback.
  10. An Eligible Customer is eligible for the Equifax Protect Offer only once during the Promotional Period. Once a loan application that is eligible for the Equifax Protect Offer is received, no further loans which include that Eligible Customer, jointly or individually, will be eligible for the Equifax Protect Offer.


  1. Eligible loans that qualify for the Equifax Protect Offer are ineligible for any other NOW Finance promotional offer.
  2. An Eligible Customer’s loan application received during the Promotional Period will be subject to NOW Finance’s normal credit assessment and approval processes.
  3. NOW Finance reserves the right, at any time, to verify the validity to receive reward and individual’s (including the individual’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who NOW Finance has reason to believe has breached any of these Terms and Conditions. Errors and omissions may be accepted at NOW Finance’s discretion. Failure by NOW Finance to enforce any of its rights at any stage does not constitute a waiver of those rights. NOW Finance’s legal rights to recover damages or other compensation from such an offender are reserved.
  4. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of NOW Finance, including but not limited to technical difficulties, unauthorised intervention or fraud, NOW Finance reserves the right, in its sole discretion, to the fullest extent permitted by law:
    1. to disqualify any individual; or
    2. to modify, suspend, terminate or cancel the promotion, as appropriate.
  5. NOW Finance (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of:
    1. any technical difficulties or equipment malfunction (whether or not under NOW Finance’s control);
    2. any theft, unauthorised access or third party interference;
    3. any claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by NOW Finance) due to any reason beyond the reasonable control of NOW Finance;
    4. any variation in reward value to that stated in these Terms and Conditions;
    5. any tax liability incurred by a Referrer; or
    6. use of the reward.
  6. Without limiting any other terms herein, the individual agrees to indemnify NOW Finance for any breach of the above terms.
  7. Participation in the Equifax Protect Offer is deemed acceptance of these terms.
  8. NOW Finance reserves the right to, at any time, withdraw or extend the Equifax Protect Offer or otherwise vary these terms and conditions.

NOW Finance is a trademark of NOW Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142