Terms of Service

These terms explain what our service is, what we deliver, what we ask of you, and the basis on which we work together. They form the foundation of the service agreement you sign before we begin.

Effective date: 13 June 2026

1. Who we are

This service is operated by RGMR Pty Ltd, trading as Oculus FastPay (ABN 84 684 564 887), based in South Australia and available to homeowners across Australia (“the Provider”, “we”, “us”).

These Terms of Service apply to the FastPay Mortgage Repayment Strategy and the website. When you engage us, you also sign a written Service Agreement; if anything in your signed agreement differs from these terms, your signed agreement applies.

2. What our service is — and is not

Oculus FastPay delivers the FastPay Mortgage Repayment Strategy to help you with budgeting and mortgage repayment structuring. This is a budget advice service only.

  • It does not constitute financial, legal, investment, or taxation advice.
  • It is not financial planning, loan brokerage, or a financial advisory service.
  • It does not replace independent professional financial or legal consultation.

3. What we provide

Setup and implementation

  • Development and structuring of your mortgage repayment strategy
  • Assistance with implementing the strategy
  • Access to the Wealth Portal and app

Ongoing support and monitoring

  • Monthly reports sent to your nominated email address
  • An annual progress review of your budget (excluding financial advice)
  • Support by email and phone, limited to budgeting and cash flow structuring

4. Your responsibilities

To get the most from the service, you agree to:

  • Provide the personal details we need to deliver the service, including your name, contact details, income, and current debts
  • Provide accurate mortgage details, such as loan amount, interest rate, and repayment terms
  • Update your direct debits as required
  • Seek independent financial advice where needed

5. Fees and payment

The service is offered as one of two options: a one-off engagement (a single fee payable on signing) or an ongoing subscription charged quarterly by direct debit, with setup included. You choose the option that suits you. All fees are in Australian Dollars and include GST. Current figures are shown on our Investment page.

If a payment is declined, we will notify you and allow seven (7) days to resolve it. If payment is not resolved within that period, we may suspend the service, including access to the Wealth Portal, until the account is brought up to date.

View plans and pricing

6. Minimum term and cancellation

If you choose the ongoing subscription, the agreement has a minimum term of twelve (12) months, starting from the date of your first subscription payment. After the minimum term, you may cancel by giving thirty (30) days’ written notice. The one-off engagement has no ongoing term: it is a single payment for the work delivered.

How cancellation, notice periods, and refunds work is set out in full in our Refund and Cancellation Policy.

7. Wealth Portal and third-party services

The Wealth Portal is provided by a third party, MyProsperity. Privacy and security within the portal are governed by MyProsperity’s own privacy and security policy, available at myprosperity.com.au/privacy-policy-2. How we handle your information is set out in our Privacy Policy.

8. Confidentiality

We will not disclose or share your information except with your consent or where required by law.

9. Limitation of liability

We do not guarantee any particular financial outcome or loan approval, and we are not liable for any financial loss arising from your reliance on the service.

We are not liable for errors in the financial information you provide, or for decisions you make based on the service. Nothing in these terms excludes rights you have under the Australian Consumer Law that cannot lawfully be excluded.

10. Referrals to other professionals

If you need services such as accounting, financial planning, or other non-credit advice, we may, at your request, refer you to an appropriately licensed and qualified external advisor. Those services may carry additional costs, which you should consider at your own discretion.

11. Governing law and disputes

These terms are governed by the laws of South Australia. If a dispute arises, both parties agree to attempt good-faith negotiation first, and then mediation in South Australia, before any court proceedings.

12. Contact and changes

For any questions about these terms, please reach out through the support call form on our Investment page. We may update these terms from time to time; if we make material changes, we will update the effective date at the top of this page.

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