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Lender Terms and Conditions

Last updated: September 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 rent 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 rent items yourself, the Renter (Borrower) Terms and Conditions also apply to you. Our Privacy Policy forms part of these Terms. Sections 6 and 7 set out in full how damage, late-return and non-return claims work, how the renter's card is charged, and how contested claims are decided.

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.
  • Where lending is open. You can create an account from any country offered at sign-up, but you can only list and lend while located in a country where lending is open (currently Australia). Accounts elsewhere are parked until we launch there.
  • Lending is unlocked by us. Anyone can create an account, add pieces and set themselves up. Your listings become visible to renters, and bookable, only once we unlock lending on your account. While we are launching we look at every wardrobe before it goes live, and we decide in our discretion whether and when to unlock an account, taking into account these Terms and our listing standards. We may also pause lending on an account that stops meeting them. Nothing you have uploaded is public before lending is unlocked, and unlocking is not an endorsement by Ourfit of you or your items.
  • Messages from us. Setting up an account includes messages about your bookings and your account, by email, SMS and in-app notification, and texts from us about launches and what's new. You can change what you receive in your notification settings, unsubscribe from any marketing email, or reply STOP to any text - STOP switches off every text we send you, booking alerts included, so use your notification settings if you only want the news to stop.
  • Business lenders. If you lend as a business (including through an Ourfit Studio business account), you confirm that you are authorised to act for that business, that the business details you give us (legal name, ABN and GST status) are accurate, and you acknowledge that the consumer guarantees under the ACL apply to your supply of items to renters.

2. How Ourfit works

Ourfit is an online marketplace that lets users list and rent 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 rental price for a confirmed booking, their payment obligation to you for the rental 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 cap in Section 6.

3. Listing items

  • Permitted items. You may list garments and accessories for personal wear - for example dresses, formalwear, suits, outerwear, tops, bottoms, sets and bags. Shoes, jewellery, hats and swimwear are currently not accepted, nor are items of intimate contact (e.g. lingerie). 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. Record an RRP for every piece: it is the ceiling the renter agrees to when they authorise their card and is locked in at that moment. Where a listing has no RRP, the ceiling is five times the piece's 4-day rental price, up to $1,500 - usually well below what a piece is worth to replace, so record the RRP.
  • 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 rental 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 rental window and don't overlap your other bookings. You choose which periods are available, set your rental price, and must keep your calendar up to date. Failure to block dates may cause overlapping requests and cancellations.
  • Rental price and delivery fee. Set a rental price and a delivery fee for postage. Renters see the rental 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.

Storefronts. You may run a branded website powered by Ourfit (an "Ourfit Storefront") on an Ourfit subdomain or on a domain you control. A storefront is part of the Ourfit platform: bookings made through it are Ourfit bookings governed by these Terms, the Renter Terms and the Privacy Policy, with the same payment, damage, dispute and cancellation processes. Fees for storefront bookings are set by the storefront plan you are on - a plan may replace the standard platform fee with a subscription - and until a plan is agreed with you, the standard platform fee applies. You are responsible for the storefront's name, branding, content and any domain you connect, and you warrant that you have the rights to use them. Ourfit may identify itself as the provider on the site and link to these Terms and the Privacy Policy from it. Ourfit sets a storefront live with you, and may suspend a storefront whose content is misleading or unlawful or that otherwise breaches these Terms.

Storefront subscriptions. Where your plan is a subscription, it is billed in advance, monthly or yearly as you choose, in Australian dollars and inclusive of GST. Any free trial period runs from the date the plan is activated, and billing begins at the end of it unless you cancel first. You can cancel at any time from your account or by contacting us: cancelling stops the next renewal, your storefront stays live until the end of the period you have paid for, and we do not refund part periods except where the law requires it. We give at least 60 days' notice before changing the price of a plan you are on. If a subscription ends, or a payment fails and is not resolved after we have told you, your storefront is taken offline - but bookings already confirmed through it are honoured and completed on Ourfit, and your catalogue, calendar and Ourfit profile continue on the marketplace under the standard platform fee. Any domain you connected remains yours. Storefront plans and features may change; plan pricing is agreed with you before it applies and does not affect bookings already confirmed.

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), hand it over in person at the agreed time and place where you offer pickup, or have it packed and ready for collection at the agreed time where Ourfit Direct applies;
  • for posted rentals, 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 posted rentals 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. Meet in a public, well-lit place where you can, keep arrangements on Ourfit, and take photos at handover and return. Nothing here excludes a non-excludable ACL right.

Ourfit Direct. Ourfit Direct is being rolled out area by area, so it is offered only where a driver covers the addresses involved. Where you offer Ourfit Direct, the item is collected from you and delivered to the renter, and collected from the renter for return, by an independent delivery provider booked by Ourfit - not by Ourfit itself. Ourfit does not control the provider's drivers, timing or handling, and the delivery is subject to the provider's own terms. You must have the item packed and ready at the agreed address and time; a failed collection because the item was not ready may be treated as a lender-caused failure, and the provider's fee may be deducted from your payout. If something goes wrong with a Direct delivery, contact the provider through the tracking details and tell us in the booking so we can help and keep a record; we collect feedback on every Direct delivery. Loss or damage while the item is with the delivery provider is handled through the dispute process in Section 7 and, where available, the provider's own cover; the renter is not charged for it.

Booking links. You may set up a booking yourself and send the renter a booking link. Creating the link is your acceptance in advance: the booking is confirmed, and the renter's card charged, the moment they pay through it, and the same dispatch and return obligations apply.

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 rental price, or a combination. The fee that applies is shown with each booking - before you accept it and in that booking's earnings breakdown - so you always see it before the booking is confirmed. 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 reduced or zero rate that applies to you is shown the same way - on the booking before you accept and in its earnings breakdown. 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 platform fee includes the cost of processing the renter's payment - there is no separate card or processing charge deducted from your earnings on the standard rate. Where a reduced or zero commission rate applies to a booking, a minimum fee equal to the cost of processing that booking's payment applies instead (we do not mark it up); in that case the exact amount depends on the transaction, and any figure shown before a card is charged is an estimate only.
  • Payouts. Once a renter pays, Ourfit holds the rental price (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. Tax reporting. Ourfit is an electronic distribution platform under the Sharing Economy Reporting Regime and is required to report your identity details and transaction totals to the Australian Taxation Office twice a year; by lending on Ourfit you acknowledge this reporting.

6. Damage, loss and non-return claims

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. The key points:

  • 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 or, where there is no RRP, up to five times the piece's 4-day rental price (maximum $1,500). The cap is shown to the renter before they authorise and is locked in at that moment.
  • Raising a claim. If an item comes back damaged or is not returned, raise a claim within 2 days of the item arriving back, with photographs, 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 or trims; burns, melt marks, bleach or 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.
  • Late and non-return. A renter who returns late may be charged a reasonable late fee per day (or part day), capped at the item's RRP; after seven (7) days past the agreed return date the item is treated as not returned and the charge can reach the full RRP (less any late fees already charged). A return lodged on the next business day after a return date that falls on a Sunday or public holiday is not late.
  • Resolution and charge. Once the renter accepts (or a contested claim is decided in your favour through the dispute process in Section 7), 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.
  • What we do and don't guarantee. The RRP you record is the ceiling (with no RRP, five times the 4-day rental price, up to $1,500). Once a claim is accepted or decided, we attempt the approved amount on the renter's saved card and remit what we recover; where it cannot be charged in full at once, we may attempt the balance again over time and remit it as it comes in. Recovery is not guaranteed: it depends on that card being chargeable, and Ourfit does not insure items or make up any shortfall. If we cannot recover the approved amount in full we will tell you and, on request, give you the renter's name, contact details, delivery address and whether they verified their identity, so you can pursue the balance yourself; the balance may also be referred to a collections agency. We do not share identity documents or their contents.
  • Cleaning. Cleaning between rentals is your responsibility; renters must not clean items.

7. Disputes

If a rental goes wrong - damage, a late or missing return, a delivery problem, an item dispute or a conduct concern - either side can open a dispute through Ourfit, up to 7 days after the rental's end date. A dispute moves through open → respond → resolve → close: you raise a claim with evidence and a requested amount; the renter has 5 days to accept, counter or contest, with reminders at 72 and 24 hours before the deadline (if they don't respond in time, the claim may be treated as accepted at the amount requested). If you don't resolve it between you, an Ourfit reviewer decides in good faith on the evidence both sides provide, and the decision is recorded against the booking. 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), you may cancel it in the app at any time before you dispatch or hand over the item. The renter receives a full refund of all amounts paid, including fees and delivery, and the cancellation is recorded against your account. Cancellations happen; what we ask is that you cancel as early as you can and message the renter. Frequent cancellations or repeated overbooking may lead to a reminder from us and, if they continue, a pause on new bookings until we have spoken with you. Once an item has been dispatched or handed over, cancellation is no longer available - raise an issue through the booking instead.

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 - including showing your photos, attributed to your profile, on item pages, galleries and pickers so others can recognise an item; 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, SMS 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 Technologies Pty Ltd (ACN 701 948 487, ABN 47 701 948 487), 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.