Last Updated: January 19, 2026
This Independent Contractor Agreement (“Agreement”) is entered into between Mint Ninety Six Pty Ltd., a proprietary limited company incorporated under the laws of the Commonwealth of Australia (“Company”), and the individual or entity accepting these terms (“Contractor”).
This Agreement becomes effective on the date the Contractor accepts it electronically or in writing. By accepting, the Contractor irrevocably agrees to be bound by all terms herein. This Agreement is incorporated by reference into the Company’s Terms and Conditions of Use and Privacy Policy.
This Agreement does not create an employer–employee relationship. The Contractor is engaged strictly as an independent contractor, on a non-exclusive, task-based or project-based basis.
The Contractor is not an employee, partner, agent, representative, fiduciary, or joint venturer of the Company and shall not represent themselves as such for any purpose.
Nothing in this Agreement shall be interpreted as creating rights under the Fair Work Act 2009 (Cth) or any other employment legislation.
The Contractor acknowledges and agrees that neither they nor any personnel they engage are entitled to:
Superannuation contributions
Workers’ compensation coverage
Paid leave of any kind
Health, life, or disability insurance
Any other employee benefit or entitlement
The Contractor expressly and irrevocably waives any claim to such benefits now or in the future.
The Contractor is solely and exclusively responsible for:
Income tax obligations
Goods and Services Tax (GST), if applicable
PAYG obligations
Superannuation (if any)
Any other statutory contributions under Australian law
The Company will not withhold tax or make statutory payments on behalf of the Contractor.
The Contractor indemnifies the Company in full against any liability arising from misclassification, non-compliance, or regulatory claims.
The Contractor may provide credit-platform-related services, including but not limited to:
Customer support and user assistance
Credit enquiry processing and administrative handling
Identity or document verification support
Data entry, quality control, or platform moderation
Compliance, onboarding, or operational assistance
Technical, analytical, or support services
Specific services (“Services”) and outputs (“Deliverables”) shall be defined in separate task instructions, job briefs, system assignments, or written communications.
The Contractor retains full discretion and control over:
How Services are performed
Working hours and location
Tools, methods, and processes
The Company controls only final outcomes, not the manner or means of performance.
The Contractor shall supply all tools, equipment, software, internet access, and resources at their own cost.
The Company shall not reimburse expenses unless explicitly agreed in writing.
Fees are payable only for:
Services completed, and
Deliverables accepted as satisfactory
Acceptance is determined solely at the Company’s discretion.
The Contractor must submit accurate invoices in the format specified by the Company.
The Company may dispute, delay, or withhold payment for:
Incomplete or deficient work
Errors or omissions
Breach of instructions or policies
Compliance or security violations
This Agreement continues until terminated in accordance with this Section.
The Company may terminate:
This Agreement, and/or
Any individual task or assignment
At any time, for any reason or no reason, with or without notice, and without liability.
The Contractor may terminate this Agreement by providing thirty (30) days’ written notice.
Upon termination:
All Services must cease immediately
All Company data, credentials, and materials must be returned or permanently destroyed
Only accepted work completed prior to termination will be eligible for payment
All provisions relating to Confidentiality, Intellectual Property, Indemnification, and Dispute Resolution survive termination indefinitely.
All Deliverables, documentation, software, workflows, processes, data, analyses, and materials created in connection with the Services are works made for hire and the exclusive property of Mint Ninety Six Pty Ltd.
The Contractor irrevocably assigns all intellectual property rights worldwide to the Company.
The Contractor must not disclose, misuse, or exploit:
User or applicant information
Financial or credit-related data
Internal processes or algorithms
Pricing, scoring, or decision logic
Platform architecture or security systems
This confidentiality obligation survives termination indefinitely.
The Contractor warrants that:
They have full authority to enter this Agreement
No conflicting obligations exist
Services will be performed lawfully, competently, and professionally
The Contractor agrees to fully indemnify, defend, and hold harmless the Company from any claims, losses, damages, or liabilities arising from:
Contractor negligence or misconduct
Breach of this Agreement
Tax, regulatory, or statutory non-compliance
Data protection or confidentiality violations
Third-party claims related to Contractor actions
The Contractor agrees to comply with:
All applicable Australian laws
Data protection and privacy obligations
Anti-fraud and identity laws
Company policies, security standards, and procedures
This Agreement is governed exclusively by the laws of the Commonwealth of Australia.
All disputes shall be resolved through final and binding arbitration seated in Sydney, New South Wales, conducted in English.
Class, collective, or representative actions are expressly waived.
This Agreement, together with the Company’s Terms and Conditions of Use and Privacy Policy, constitutes the entire agreement between the parties and supersedes all prior agreements or understandings.
By accepting this Agreement, the Contractor confirms that they:
Have read and fully understood all terms
Had the opportunity to seek independent legal advice
Accept all risks and responsibilities of independent contractor status
Enter this Agreement voluntarily and without reliance on any external representations
