Terms of Use

Please read these Terms of Use carefully before using the EquipPay platform. By accessing or using EquipPay — whether as a supplier, buyer, or visitor — you agree to be bound by these terms. If you do not agree, please do not use the platform.

1. About EquipPay

EquipPay is an equipment finance technology platform operated by Lyft Capital Pty Ltd (ABN: 18 623 527 775), an Australian Credit Licence (ACL 541052) (ACL) holder based in Sydney, New South Wales, Australia.

EquipPay connects equipment suppliers and their customers with a panel of 50+ lenders to facilitate equipment finance applications. EquipPay is a technology intermediary — it is not itself a lender and does not provide credit.

These Terms govern your use of the EquipPay website, widget, and any related services (collectively, the "Platform").

2. Supplier Terms

Suppliers are businesses that embed the EquipPay widget on their website to offer embedded finance to their customers. By participating as a supplier, you agree to:

• Embed and use the EquipPay widget only as described in the integration documentation provided by EquipPay
• Refer customers to EquipPay honestly and accurately, without applying undue pressure
• Not misrepresent EquipPay's finance products, approval rates, interest rates, or terms to customers
• Ensure any marketing or communications relating to the EquipPay widget comply with applicable Australian consumer credit laws
• Keep your supplier account credentials secure and notify EquipPay immediately of any unauthorised access

3. Buyer Terms

Buyers are individuals or businesses submitting finance applications through the EquipPay platform. By submitting an application, you acknowledge that:

• Finance applications are assessed and decided by independent lenders on the EquipPay panel — not by EquipPay itself
• Pre-approval or indicative approval does not constitute a final credit approval or binding offer of finance
• Interest rates, repayment amounts, and fees shown on the platform are indicative only and subject to lender assessment and final credit approval
• You are responsible for the accuracy of all information you provide in your application
• Submitting an application authorises EquipPay to share your information with lenders for assessment purposes, as described in our Privacy Policy

4. Referral Fees

EquipPay pays referral fees to participating suppliers when a finance application submitted through their embedded widget results in a settled deal.

• Referral fees are calculated as agreed in the individual supplier agreement entered into between EquipPay and each supplier
• Fees are payable only upon settlement of a finance contract — not upon application submission or pre-approval
• EquipPay reserves the right to withhold or claw back referral fees in cases of fraud, misrepresentation, or breach of these Terms

5. Intellectual Property

The EquipPay Platform, including the widget, brand assets, logo, wordmarks, software, design, and all associated content, is owned by Lyft Capital Pty Ltd and is protected by Australian and international intellectual property laws.

• Suppliers are granted a limited, non-exclusive, revocable licence to embed and display the EquipPay widget on their website solely for the purpose of referring customers
• You must not copy, modify, reverse engineer, or create derivative works from any part of the Platform
• Use of EquipPay's name, logo, or branding in any marketing material requires prior written consent

6. Limitation of Liability

EquipPay is a technology platform that facilitates connections between borrowers and lenders. It is not a lender, credit provider, or financial adviser.

• EquipPay does not guarantee that any application will be approved, or that any particular rate or product will be available
• To the maximum extent permitted by law, Lyft Capital Pty Ltd's liability for any loss or damage arising from use of the Platform is limited to the fees paid (if any) by the relevant party in the 12 months preceding the claim
• EquipPay is not liable for decisions made by lenders, including declined applications, rate changes, or changes to loan terms
• Nothing in these Terms limits liability for personal injury, fraud, or any liability that cannot be excluded by law

7. Termination

EquipPay reserves the right to suspend or terminate access to the Platform at any time, with or without notice, in the following circumstances:

• A supplier breaches these Terms or the applicable Supplier Agreement
• A supplier misrepresents EquipPay's products or engages in conduct that may harm EquipPay's reputation or expose it to legal or regulatory risk
• A buyer submits false or fraudulent information in an application
• Any party engages in conduct that is unlawful, abusive, or disruptive to the Platform

Suppliers who terminate or are terminated must remove all EquipPay widget embed code from their website and cease using EquipPay branding. Where a Supplier Agreement applies, its specific termination provisions (including notice periods and widget removal obligations) govern.

EquipPay reserves the right to update these Terms at any time. The updated version will be published at this URL with a revised last-updated date. Continued use of the Platform after changes are published constitutes acceptance of the updated Terms.

8. Governing Law

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes arising from these Terms or your use of the Platform will be subject to the exclusive jurisdiction of the courts of New South Wales.

9. Contact

For questions about these Terms or any legal matters relating to the Platform, please contact:

• Email: legal@equippay.com.au
• Company: Lyft Capital Pty Ltd, Sydney NSW, Australia

For privacy-related enquiries, please see our Privacy Policy or email privacy@equippay.com.au.