Last Updated: 9th June 2023
Just Budget Pty Ltd, ABN 91 166 853 327, and its subsidiaries (“we”/”us”/”our”), provide professional debt management to clients facing, or at risk of, financial hardship. Our services include budgeting, assessing finances, negotiating with creditors, and tailored financial hardship solutions.
This product is designed for individuals:
This product is not suitable for:
Engagement with Just Budget Pty Ltd requires the client’s active participation, ongoing communication, and commitment to the proposed arrangement. The client should be able to comprehend and accept the terms and conditions. The costs involved will be clearly explained verbally and further communicated electronically.
Just Budget Pty Ltd will conduct regular reviews of the TMD to ensure it remains accurate and relevant. Reviews will occur annually or more frequently if there are significant changes to the business model, service delivery, or regulatory environment.
Just Budget Pty Ltd will keep comprehensive records of all client interactions, including their circumstances, service journey, and outcomes. These records will be maintained for at least seven years, in line with ASIC’s regulatory requirements.
Triggers for a review include:
This Target Market Determination is valid from 6th June 2023 until the next scheduled review, or as necessitated by changes to the business or regulatory environment.
For any questions or concerns regarding this Target Market Determination, please contact our Compliance Officer at: email@example.com.
Disclaimer: This TMD does not constitute personal financial advice. It is essential that individuals consider their personal circumstances, financial situation, and needs before deciding to engage with Just Budget Pty Ltd.