Refund, Return and Cancellation Policy

Last revised: 27 August 2026

1. Who this applies to

This Refund, Return and Cancellation Policy applies to consumer purchases made from Confidia Pty Ltd trading as HowToPay (ACN 641 060 782, ABN 65 641 060 782), Unit B1, 13-21 Mandible St, Alexandria NSW 2015, Australia ("Confidia", "we", "us").

2. Your rights under Australian Consumer Law

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law (ACL) (Schedule 2 of the Competition and Consumer Act 2010 (Cth)). If there is a major failure, you may be entitled to a replacement, a refund, or to cancel and obtain a refund for the unused portion, and to compensation for other reasonably foreseeable loss. If the failure is not major, we will remedy it within a reasonable time.

3. How refunds work

Refunds are generally made to the original payment method. Where an order is cancelled before fulfilment, or cannot be fulfilled, we will refund the amount you paid within a reasonable time. Where a Supply Partner fails to deliver or performs late, we will work with you to provide a remedy as the seller.

4. Returns

For physical goods, you must typically return the item in its original condition. We will tell you how to return it and handle the return. Your ACL rights are not affected by any return window.

5. Cancellations

You may cancel a digital service or subscription in accordance with its terms. Where you cancel a subscription, cancellation takes effect for future billing periods. For goods, you may cancel an order before dispatch where practicable.

6. Faulty or misdescribed products

If a product is faulty, defective, misdescribed or does not do what it is supposed to do, you may be entitled to a repair, replacement or refund under the ACL. Contact us and we will arrange a remedy.

7. How to request a refund or issue

Contact us through HowToPay support or at the details on our website. We will acknowledge your request promptly and aim to resolve it within a reasonable time. If you are not satisfied with the outcome, you may make a complaint to the ACCC or your state or territory consumer agency.

8. Changes to this policy

We may update this policy from time to time. Changes apply to purchases made after the change is posted.

© Confidia Pty Ltd trading as HowToPay. New South Wales, Australia.