Pay Now Client Portal

Privacy & Terms

We take your rights and privacy seriously and have outlined what that means to us and our relationship with you.

Your rights and privacy

We respect that your debt is personal.

Each debt is a different story about people, conversations, agreements, promises and good intentions. It’s just that those intentions went wrong somewhere.

At Baycorp we believe that the more information you have available, the easier it is to lift the burden of debt and make the right decisions.

Your rights and responsibilities

Legally, responsibility lies with you when it comes to paying your debts on time, and you shouldn’t deliberately avoid your obligations.

Sometimes it also helps to get assistance from a community-based financial counsellor, solicitor or other qualified adviser who might be able to help. Across Australia and New Zealand there are several non-profit organisations that can help you with financial advice. If you are struggling with unmanageable debt we suggest taking a look at some of these websites.


The Australian Competition and Consumer Commission (ACCC) and Australian Securities and Investments Commission (ASIC) offer a booklet on ‘Dealing with debt: your rights and responsibilities’ which can be viewed here.

You can also contact the Office of the Australian Information Commissioner who is an independent statutory agency within the Attorney General's portfolio.

New Zealand

The Commerce Commission website provides an overview of your rights and responsibilities under the Fair Trading Act. Click here for the overview.

The Office of the Privacy Commissioner has a summary of Your Privacy and can be found here.

Our promise

At Baycorp our aim is to help you lift the burden of debt because as uncomfortable as debt is, resolving it once and for all, is a great feeling.

We respect that your debt is your business, so when you are dealing with us, you can always expect to be treated fairly, with respect and courtesy. We will not unduly harass or coerce you about debts owed.