§ Regulatory disclosure

Financial Services Guide

Last updated · 27 April 2026

Working draft. The final form of this Financial Services Guide is held for review by our legal counsel pending Revive Financial Pty Ltd’s Australian Financial Services Licence (AFSL) outcome.

1. About this guide

This Financial Services Guide (“FSG”) is intended to help you decide whether to use Hardship Hub’s services. It explains who we are, who we act on behalf of, what we do, what you pay, and what to do if something goes wrong.

2. Who we are

Hardship Hub Pty Ltd (ACN 695 494 181) is the operator of the Hardship Hub platform — a Temporary Hardship Plan service that bundles a consumer’s unsecured debts into a single coordinated arrangement with their creditors.

3. Who licenses our service

Hardship Hub provides credit assistance as an authorised representative of Revive Financial Pty Ltd. Revive Financial Pty Ltd is the holder of an Australian Credit Licence (ACL number to be confirmed at this guide’s next revision) issued under the National Consumer Credit Protection Act 2009 (Cth).

In practical terms:

  • The credit-assistance services we provide to you are provided under Revive Financial Pty Ltd’s authority.
  • Any contractual agreement with one of your creditors that binds a licensed credit provider (for example, the settlement of a hardship variation) is entered into by Revive Financial Pty Ltd as the licensee.
  • Hardship Hub operates the platform, captures your information, calculates your proposed plan, communicates with your creditors, and collects and distributes your payments.

If you wish to contact the licensee directly, please write to compliance@hardshiphub.com.au and we will route your enquiry to Revive Financial Pty Ltd.

4. The services we provide

  • Capturing your application and supporting documents through our online wizard.
  • Verifying your identity through a regulated identity-verification provider.
  • Calculating an affordable proposed monthly payment using the Household Expenditure Measure (HEM) and the financial information you provide.
  • Proposing hardship arrangements to your creditors on Revive Financial Pty Ltd’s authority. Acceptance is at each creditor’s discretion subject to the National Credit Code.
  • Collecting your single consolidated monthly payment and distributing agreed amounts to your participating creditors.

We do not provide personal financial advice, tax advice, investment advice, or insurance advice. If you need that, we will refer you to an appropriately licensed adviser or a free financial counsellor (see section 8).

5. What we charge you

Our fees are set out on the Pricing page and are confirmed to you in writing before your plan is established. In summary:

  • A one-time application fee, payable when your plan is established.
  • A small monthly processing fee per participating creditor, deducted from your consolidated monthly payment before distribution to creditors. You do not pay the processing fee separately.

We do not receive commissions from your creditors. If a fee structure ever changes for new plans, the change is set out in your specific Service Agreement before you sign.

6. The Letter of Authority

Before we contact a creditor on your behalf, you sign an account-specific Letter of Authority. The Letter of Authority appoints Revive Financial Pty Ltd (and Hardship Hub as its authorised representative) to act for you with that creditor in connection with the proposed hardship arrangement.

You can withdraw a Letter of Authority for any creditor at any time by contacting us. Withdrawal does not unwind hardship variations a creditor has already accepted, but it does stop us from speaking to that creditor on your behalf going forward.

7. How we handle your information

We handle your personal information in accordance with the Australian Privacy Principles. See our Privacy Policy for the full detail.

8. Complaints

If you have a concern about our service, the fastest way to resolve it is set out on our Feedback & Complaints page. We acknowledge complaints within one business day and provide a written response within thirty days.

If you are not satisfied with our response — or if we have not responded within thirty days — you can escalate at no cost to the Australian Financial Complaints Authority (AFCA). AFCA is the external dispute resolution scheme covering Revive Financial Pty Ltd and the services we provide as its authorised representative. Contact details and time limits are on our Feedback & Complaints page.

For free, independent financial counselling, call the National Debt Helpline on 1800 007 007.

9. Contact