About FairClaim

What FairClaim is

FairClaim is a free tool for Australian consumers who have been denied, delayed, underpaid or ignored, and who want to complain properly. It asks what happened in plain language, checks those facts against the law that applies, and drafts a structured complaint you can lodge yourself with the relevant ombudsman, regulator or tribunal. It currently covers 12 dispute areas, from vehicle repossession and insurance claim denials to credit report corrections and infringement fine reviews.

FairClaim provides legal information and document assistance — not legal advice. Using it does not create a lawyer–client relationship, and nothing on the site takes account of your individual circumstances. For advice about your situation, contact a community legal centre or a qualified legal practitioner. The full position is set out in our Terms of use.

Where it came from

FairClaim was built out of one real dispute: a 2026 Victorian vehicle repossession, where a complete complaint to the Australian Financial Complaints Authority (AFCA) was researched, checked against the National Credit Code and lodged within 24 hours of the car being taken — early enough to matter, because the right to reinstate a credit contract generally ends when the vehicle is sold.

That case made two things obvious. The work is mostly method, not mystery: find the provisions that apply, check the facts against them one by one, and drop every argument the facts do not support. And almost nobody gets to have that work done for them — a mid-range dispute is too small for a solicitor and too slow for an overloaded community legal centre. FairClaim generalises that method so it runs for anyone, immediately, at no cost.

Who is behind it

FairClaim is a small, independent Australian project rather than a law firm, a claims management company or a lead generator for one. It was started by a Melbourne-based founder, {{TODO: confirm — founder name, and any professional background worth stating here}}.

The service is operated by {{TODO: confirm — registered legal entity name and entity type}}, ABN {{TODO: confirm — ABN}}. Correspondence goes to hello@fairclaim.com.au, which is a monitored inbox — see the contact page for what to send where.

FairClaim shares engineering with Trumis: the voice input and speech-to-text code used in the guided interviews is the same implementation in both products, kept deliberately in sync so neither copy can drift. {{TODO: confirm — the corporate relationship between FairClaim and Trumis (common ownership? shared team? licence?), and whether Trumis processes any user data}}

How the legal content is researched

The guides and the complaint tool are not written separately. Both read from one structured legal knowledge base (currently version 1.7.0), and every statutory claim in a guide mirrors a provision record in it. That is what keeps a guide and the complaint it leads to saying the same thing.

Each provision record holds:

• the Act, section and subsection it comes from;
• the exact statutory text, quoted rather than paraphrased;
• a plain-English explanation of what it means for a consumer;
• a link to the official consolidation the text was taken from;
• the date it was last verified, and a flag for whether it is still awaiting review.

Primary sources are the official ones: the Federal Register of Legislation, the authorised state consolidations (legislation.vic.gov.au, the NSW Parliamentary Counsel’s Office), and AustLII. Regulatory guidance and ombudsman practice come from ASIC’s regulatory guides, AFCA determinations, and the industry codes that bind particular sectors — the General and Life Insurance Codes of Practice, the Telecommunications Consumer Protections Code and ACMA standards, and the Energy Retail Code and National Energy Retail Rules. Industry codes are marked as codes, not statutes, so a guide never presents a code obligation as if it were law.

The knowledge base is reviewed on a scheduled cycle against the Federal Register, AFCA determinations and state law amendments. It was last reviewed on 17 July 2026. The next review is due 15 September 2026.

How it is reviewed — and what that review is not

Every dispute area carries a review status. An area is only promoted to the reviewed tier once none of the provisions it relies on are still flagged as pending review or paraphrased, and an automated build gate blocks that promotion until the flags clear. It is a deliberate, checkable step, not a judgement call.

Being straight about the limits of that:verification to date has been performed by matching provision text against the official consolidations under the project owner’s direction. It is not a qualified legal practitioner’s sign-off, and we do not describe it as one. That is precisely why FairClaim is positioned as legal information rather than legal advice, why every generated document is yours to review before you sign or send it, and why corrections are the highest-priority work on the project. {{TODO: confirm — whether any practitioner or community legal centre has now reviewed the knowledge base, and whether they can be named here}}

Found something wrong — a citation, a deadline, a pathway, a question that leads somewhere it should not? Email hello@fairclaim.com.au. Corrections go to the front of the queue.

What the tool will not do

The point of the method is restraint. The argument validator checks each potential claim against the facts you actually gave, and refuses to generate any argument those facts do not support — a complaint with four strong, evidenced claims does better than one with twelve, three of which are wrong. Where a claim is arguable but thin, it is flagged rather than dressed up.

FairClaim also does not act for you. It prepares documents; you lodge them. It does not contact businesses, ombudsmen, courts or tribunals on your behalf, does not track responses, and cannot represent you.

Free, and how that is paid for

FairClaim is free. There is no account, no subscription, and no payment is collected anywhere on the site — so there is no fee taken out of anything you recover, and no success commission. You do not need to tell us who you are to use it.

It is funded by advertising, shown on the home page, the guides and pages like this one — and never inside the complaint tool or the statutory declaration interview, which carry no advertising code at all. Nothing you type into either one is available to Google or to any advertiser. We do not sell your information. The detail is on the privacy page.

If you would rather talk to a person

FairClaim is not a substitute for free human help, and these services are often the better first call:

• National Debt Helpline — free, independent financial counselling · 1800 007 007
• AFCA — the free external dispute resolution scheme for financial complaints · 1800 931 678
• Community legal centres — free local legal advice · clcs.org.au
• OAIC — privacy complaints, including credit reporting · oaic.gov.au