Contact the hardship team
Explain what changed, what you can afford and what arrangement you are requesting. Keep dates, names and copies.
Moneysmart guidanceLaw & Rights Information
Find the right path.
Plain-language signposts for debt hardship, complaints, digital assets, fundraising claims, privacy and community safeguards. This page provides general information, not personal legal advice.
Debt and Hardship
Act early. Keep records. Use free help.
Free financial counselling
Financial counselling is free and confidential through not-for-profit community organisations.
Find guidanceUnresolved complaint
Raise the issue with the financial firm first. AFCA may help if the response is missing or unsatisfactory.
AFCA hardship complaintsDigital Assets and Public Claims
Structure and conduct matter.
Financial-services classification
Token rights, benefits and connected arrangements can affect whether licensing or other obligations apply.
ASIC digital-assets guidanceVirtual asset services
Businesses providing designated virtual asset services in Australia may need AUSTRAC enrolment and registration.
AUSTRAC overviewImpact and marketing claims
Returns, fees, approvals, donations and impact claims must be accurate, qualified and supported.
ACCC claims guidanceLaw and Citizen Power
No worldwide board should sit above the law.
The Global Citizens Assembly begins as research, public deliberation and recommendations. Any authority to delay, review or override government decisions would require democratic legislation, defined jurisdiction, court review, human-rights protections and safeguards against concentrated power.
Legitimate authority
Public power must come from lawful democratic adoption, not branding, wealth, token ownership or private appointment.
Rights remain protected
Majority votes cannot erase basic rights, target minorities or remove due process.
Review the reviewers
Selection, funding, conflicts, reasons, evidence, appeals and outcomes must remain open to independent scrutiny.
Revised Launch Edition
Robin Hood Law Blueprint
A public policy, community recovery and responsible digital-funding proposal. It preserves the original mission while clearly separating education, qualified help, community support and any future token mechanism.
For the best phone display, use the Open Web Version button. PDF and DOCX downloads remain available for sharing.