Business Financial Hardship
About this policy
This is our Business Financial Hardship policy. In this policy, ‘we’, ‘our’ and ‘us’ are all references to Cirrus Communications Pty Limited ACN 109 931 731 (trading as Swoop, the Swoop Business), ABN 71613948575 Of 1A, 155 Queen Street, Warragul Vic 3820 Australia.
This policy is accessible on our website and is distributed to business internet customers and former business internet customers (together, ‘customers’) and our staff.
Our Chief Executive Officer (or equivalent) has approved this policy and is responsible for ensuring its implementation, operation and compliance with any applicable regulations and industry codes. By using any Swoop service (‘services’) you agree to comply with the terms of this policy
Financial Hardship Policy
At Swoop, we know that sometimes our customers may faceunexpected circumstances that can affect their financial position. From the moment you decide to join us, we endeavor to start you on an appropriate plan that suits your needs and budget.
If your situation changes, we will work with you to put a plan in place to help you manage your bill until your finances are back on track.
If at any time you have questions about your account or are experiencing financial hardship, please do not hesitate to contact us on 1300 333 200 option 2, or email firstname.lastname@example.org.
Financial Hardship Arrangements
Swoop can work with you to develop a Financial Hardship Arrangement that will allow us to set up a payment plan and timetable that is agreeable by both parties. Any Financial Hardship Arrangement plan is intended to allow you some level of service while we work with you to recover what you owe us.
The terms of a Financial Hardship Arrangement depend on individual circumstances. Example of terms that may be in place may include, spend controls, restrictions to your service(s), lower cost interim options, temporary postponing of payments, agreement to an alternative arrangement, plan or contract, or waiving late payment fees. The duration of arrangements will vary and may be subjected to periodic review.
Financial Hardship Arrangements are intended to help you when you need it, and you have certain responsibilities to help the process. You are responsible for: acknowledging the debt and your obligation to repay it, being willing to reduce your data plan to a level that you are able to pay, making repayments as agreed and notifying us if your circumstances change. When Financial Hardship Arrangement terms are agreed, we will confirm our offer via your nominated email address in writing and once you respond by return email, the terms will be accepted by both parties.
Applying for assistance under the Financial Hardship Policy
You can apply for assistance under this policy at any time via email to email@example.com. or by calling 1300 333 200 option 2 for Reception 8am to 4.30pm AEST Monday to Friday
When considering your application, we will take into consideration the plan that you have with us, the amount outstanding on your account, and your ability to make repayments based on your circumstances. If we deem that you qualify for assistance under the Financial Hardship Policy, we will then work with you to develop and agree upon an appropriate Financial Hardship Arrangement, along with a plan for your future use of our services.
You will be advised in writing via your nominated email address regarding your application and will incur no charges for the application, regardless of the outcome.
It may also be of benefit to seek an external financial hardship counsellor. More information about this service can be obtained via the Australian Competition and Consumer Commission and Financial Counselling Australia.
You should also be aware of Swoop’s Business Complaints Handling policy which can be found at: https://www.swoop.com.au/legal/swoop-business-complaint-policy/
Financial Hardship Arrangement Termination
Subject to your account being paid and up-to-date, a Financial Hardship Arrangement will terminate on the agreed date. You may choose to
terminate the arrangement prior to this time should your situation change.
If your fail to adhere to the terms of the arrangement, we may terminate it early. We will contact you via email, phone or letter and if we do not get a response within 5 days, your debt will be forwarded to a collections agency.