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Lender Terms and Conditions

Last updated: June 2026

These Terms and Conditions ("Terms") govern your use of the Ourfit platform ("Ourfit", "we", "us" or "our") as a lender - someone who lists garments and accessories for hire by other users within Australia. By listing an item or accepting a booking, you ("you") agree to be bound by these Terms. If you do not accept them, you must not list on Ourfit.

These Terms are a binding legal agreement between you and Ourfit. They include important obligations and limitations of liability and reflect the requirements of the Australian Consumer Law (ACL). Nothing in these Terms excludes, restricts or modifies any non-excludable right or guarantee under the ACL. When you hire items yourself, the Renter (Hirer) Terms and Conditions also apply to you. Our Privacy Policy forms part of these Terms.

1. Eligibility and account

  • Minimum age. You must be at least 18 years old to list on Ourfit.
  • Account information. Provide accurate, current details, keep your login secure, don't share your account, and update your details if they change. To receive payouts you must have a valid Australian bank account connected through our payment processor.
  • Identity verification. We may require you to verify your identity (for example, a driver's licence or passport) before you list or complete high-value bookings. You consent to our use of third-party identity verification services, handled in line with our Privacy Policy.
  • Verification is not endorsement. Being shown as verified means only that a check was completed - it is not an endorsement or guarantee by Ourfit of any user.

2. How Ourfit works

Ourfit is an online marketplace that lets users list and hire garments and accessories. Ourfit facilitates transactions and processes payments but does not own or take possession of the items - ownership stays with you. Except to the extent required by law (including under the Australian Consumer Law), Ourfit is not a party to the rental contract between you and the renter; we act only as your limited payment collection agent: we accept the renter's payment on your behalf, so once the renter has paid Ourfit the hire price for a confirmed booking, their payment obligation to you for the hire price is satisfied, and your recourse for collected amounts is against Ourfit (which remits your share, less applicable fees, as described in Section 5). Damage, late-return and non-return amounts are separate (see Section 6): the renter authorises these at booking, and Ourfit may collect and remit them to you, up to the item's RRP.

3. Listing items

  • Permitted items. You may list garments and accessories for personal wear (e.g. dresses, suits, formalwear). Shoes, jewellery and bags are currently prohibited, as are items of intimate contact (e.g. lingerie, swimwear). You must own the item, and warrant it is authentic (not counterfeit), complies with safety and labelling laws, and is free from major defects.
  • Condition and description. Items you list must be clean, wearable and free of stains, tears or excessive wear. Provide accurate descriptions (brand, size, fabric, condition, defects, alterations). Under the ACL, goods supplied to consumers must be of acceptable quality, match their description and be fit for purpose; misrepresenting an item may be misleading conduct.
  • Shared catalogue. To keep listings consistent and findable, Ourfit maintains a shared catalogue and may edit, standardise, re-categorise or match the brand, item, colour, size or other descriptive details you enter (including correcting obvious errors). This affects how your item is catalogued and discovered, not the item, your price or your availability. You remain responsible for ensuring your listing is accurate and not misleading.
  • High-value items. You may list higher-value items, but at your own risk. Ourfit does not provide insurance, and our damage and non-return protections recover from the renter's saved card only up to the item's recommended retail price (RRP), and only to the extent that card can actually be charged. For very high-value items, full recovery may not be achievable. If you are not comfortable bearing that risk, do not list the item.
  • Photos. Upload clear, well-lit photos (front, back, notable details). Do not include identifiable faces, private premises or copyrighted material without permission. Note that colour may vary by screen.
  • Availability and rental periods. Ourfit currently offers 4-day and 8-day hire periods - the renter's possession window. You set buffer days before a booking (to ship the item out) and after (for return shipping and cleaning), so transit and cleaning sit outside the hire window and don't overlap your other bookings. You choose which periods are available, set your hire fee, and must keep your calendar up to date. Failure to block dates may cause overlapping requests and cancellations.
  • Hire fee and delivery fee. Set a hire price and a delivery fee for postage. Renters see the hire price, delivery fee and any applicable fees, with the full total at checkout. You must not charge additional amounts after accepting a booking.
  • Right to remove listings. We may remove or suspend any listing that breaches these Terms or appears misleading, unsafe or unlawful, and are not liable for loss arising where we act reasonably.
  • Concurrent bookings. Unless you own multiple identical items and have clearly said so, you must not accept overlapping bookings for the same item. Overbooking may result in cancellation of the affected bookings and suspension of your account.

4. Accepting bookings and dispatch

When a renter requests an item, their card is authorised (held); you may accept or decline, and may receive requests from multiple renters for the same dates. A booking is confirmed when you accept, which is the point the renter's card is charged. Once you accept, you must:

  • dispatch the item by the dispatch date using the required method (currently Australia Post Express), or hand it over in person at the agreed time and place where you offer pickup;
  • for postal hires, include a prepaid Australia Post Express return satchel in the parcel so the renter can return the item (not required for in-person pickup, where the item is handed back in person);
  • include care instructions, and not require the renter to clean the item (cleaning is your responsibility); and
  • respond promptly to the renter and Ourfit.

Enter tracking numbers in Ourfit when dispatching; orders sent without valid tracking may be treated as not dispatched. For postal hires you arrange and pay for carriage with Australia Post - both the outbound parcel and the prepaid return satchel. Ourfit provides the booking workflow but is not the carrier and, to the extent permitted by law, is not responsible for carrier acts, delays, mishandling or loss. Risk of loss or damage in transit remains with you until delivery to the renter is confirmed. If you fail to include a return satchel, Ourfit may reimburse the renter's reasonable return postage and deduct it (plus any admin fee) from your payout; repeated failures may lead to suspension.

In-person pickup. Where you offer pickup, you and the renter arrange handover and return directly through Ourfit messages and each confirms in the app. Ourfit is not present at and not a party to the handover; to the fullest extent permitted by law, Ourfit is not responsible for what happens at an in-person handover, and does not insure it. See the renter-facing Pickup Safety guidance for detail. Nothing here excludes a non-excludable ACL right.

5. Fees, payouts and taxes

  • Platform fees. Ourfit charges a platform fee (commission) to operate the marketplace, taken from your earnings on each completed booking. It may be a flat amount, a percentage of the hire price, or a combination, shown on your dashboard before any transaction. The platform fee is GST-inclusive where applicable. We do not charge hidden fees.
  • Promotional and reduced rates. From time to time we may offer a reduced or zero-commission rate (for example, a free introductory period, or a negotiated rate for some lenders). Any rate that applies to you is shown on your dashboard. The commission rate is locked in when a booking is requested, so the rate shown at that time is the one that applies to that booking even if the promotion later ends. Promotional rates are not retrospective and may have an expiry; your standard rate applies once a promotion ends.
  • Changes to fees. We may change our standard fees with at least 14 days' notice; changes do not affect already-confirmed bookings.
  • Payment processing. The cost of processing the renter's payment (the card/Stripe fee) is passed through to you at cost and deducted from your earnings - we do not mark it up. The exact amount depends on the transaction and is shown on your booking and payout records; any figures shown before a card is charged are estimates only.
  • Payouts. Once a renter pays, Ourfit holds the hire fee (less fees) with our payment processor until the rental is complete. After the renter returns the item, a short inspection window applies (currently 2 days) during which you may raise a damage claim. If no claim is raised within that window - or once any claim is resolved - the booking is treated as complete and your earnings are released as a single payout to your connected account. Payouts process automatically based on booking status and, in all cases, within 90 days of the renter's payment to comply with our processor's rules. You are responsible for any bank fees to receive payouts.
  • Taxes. You are solely responsible for determining, reporting and paying any taxes on your earnings, including income tax and GST. Ourfit is not your tax agent, does not withhold or remit tax, and does not give tax advice. Earnings summaries are provided for convenience only.

6. Damage, loss and non-return claims

  • No bond - card on file. Ourfit does not hold a renter bond. Instead, the renter saves a card at booking that can be charged off-session if the item is returned damaged or not returned, up to the item's RRP shown on the listing.
  • Raising a claim. If an item comes back damaged or is not returned, raise a claim within 48 hours (2 days) of the item arriving back, with photographs and a written reason and a requested amount up to the item's RRP. (Take clear, time-stamped photos before dispatch and on return; we may request them.) Claims raised outside this window may be denied.
  • What counts as damage. Stains ordinary dry-cleaning can't remove; rips, tears, holes, broken zips, missing buttons/trims; burns, melt marks, bleach/dye discolouration; stretching or distortion beyond normal; persistent strong odours that don't lift after cleaning; or non-return by the agreed date. Normal wear (small loose threads, minor pilling, a single dry-cleanable mark) is not claimable.
  • Resolution and charge. The renter has 5 days to accept, counter or contest. If they agree (or a contested claim is decided in your favour through the dispute process), the approved amount is charged to the renter's saved card and remitted to you. The RRP cap is not a cap on the renter's overall liability - you may pursue any uncovered remainder through ordinary legal channels. Where a charge can't be collected in full, the unpaid balance may be referred to you for resolution and/or to a collections agency, in accordance with applicable laws (including privacy and debt-collection laws).
  • Cleaning. Cleaning between hires is your responsibility; renters must not clean items.

7. Disputes

Damage and other disputes follow a standard process: open → respond → resolve → close. You raise a claim with evidence; the renter responds within 5 days; if not resolved between you, an Ourfit reviewer decides in good faith on the evidence both sides provide. An Ourfit decision resolves the matter on the platform; it does not determine legal rights. Provide complete, honest evidence promptly - dated photos and quotes carry weight; unevidenced assertions do not. Nothing in these Terms prevents you from contacting a consumer protection agency (such as NSW Fair Trading) or a tribunal or court; if we cannot resolve a complaint with you, we may offer to facilitate independent mediation (participation is voluntary and may involve cost).

8. Cancellations

If you cannot fulfil a confirmed booking (for example, loss of or damage to the item), the renter receives a full refund of all amounts paid, including fees and delivery. Ourfit may impose penalties on, or suspend, lenders who cancel confirmed bookings without reasonable cause, or who repeatedly overbook.

9. Your conduct

You must not: list prohibited or counterfeit items; breach any law; act fraudulently; harass other users; post or solicit false reviews; or arrange or encourage transactions off the platform using contact details obtained through Ourfit (this deprives Ourfit of its fees and is prohibited; we may suspend you and recover fees that would have been payable). Content you submit must be accurate and not infringe others' rights. To keep the marketplace safe and enforce these Terms, Ourfit may review messages sent through the platform, in line with our Privacy Policy.

10. Liability

  • ACL guarantees are preserved - nothing excludes a right that cannot lawfully be excluded.
  • Limitation. Where the Australian Consumer Law applies and permits limitation (in particular section 64A), our liability for failure to comply with a consumer guarantee for services is limited, at our option, to re-supplying the services or paying the cost of re-supply. Otherwise, to the fullest extent permitted by law, Ourfit's liability is limited to the total fees you paid us for the relevant transaction, and we are not liable for loss of profits or indirect or consequential loss, except where this cannot be excluded.
  • Insurance. Ourfit does not currently provide insurance for lenders. You remain responsible for your items as set out above and list at your own risk, and you should consider obtaining your own insurance for the items you list.

11. Privacy

We collect, use and disclose your personal information in accordance with our Privacy Policy, which forms part of these Terms and complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

12. General

  • Termination. You may close your account if you have no active bookings. We may suspend or terminate your account if you breach these Terms, act fraudulently or fail to pay. Fees, disputes, liability, privacy and indemnity provisions survive termination.
  • Indemnity. You agree to indemnify Ourfit and its people against claims, liabilities and reasonable costs to the extent caused by your breach of these Terms, your negligence or wilful misconduct, or your unlawful act or omission in connection with your use of Ourfit or your listing or supply of any item. This indemnity is reduced to the extent Ourfit's own act or omission contributed to the loss.
  • Your content. You keep ownership of content you upload (photos, descriptions, reviews) and grant Ourfit a non-exclusive, worldwide, royalty-free licence to use it to operate and promote the platform; you warrant you have the rights to it.
  • Force majeure. We are not liable for failure or delay caused by events beyond our reasonable control.
  • Changes to these Terms. We may update these Terms from time to time. For material changes we will give at least 14 days' notice by email or in-platform notice; if you don't agree you may close your account before they take effect (provided you have no active bookings). Continued use after that constitutes acceptance, and changes do not affect bookings already confirmed.
  • Entire agreement, assignment and notices. These Terms and the policies they reference are the entire agreement between you and Ourfit about the platform. You may not assign your rights without our consent; we may assign ours. A failure to enforce a term is not a waiver of it. We give notices by email or in-platform notice; you contact us at the address below.
  • Governing law. These Terms are governed by the laws of New South Wales, Australia (where Ourfit is based). Ourfit operates Australia-wide, and the Australian Consumer Law and other federal laws apply nationwide regardless. You may bring proceedings in the courts of New South Wales or, if you prefer, in the courts or tribunal of the Australian state or territory where you operate. Invalid provisions are severed; the rest remains in force.
  • Operator / contact. Ourfit is operated by Ourfit Pty Ltd (ABN 68 674 899 917), Sydney, NSW. Questions: legal@ourfit.app.

By listing on Ourfit, you acknowledge that you have read, understood and agree to be bound by these Terms.