Everything we check, and how.

What we look at

From your merchant statements we work out what you really pay on each sale, and compare it with providers' published prices and the published average for a business your size.

What happens next

With your approval and your Authority to Act, we ask the new provider to set up your account on the terms we compared. Payment providers need your own signature on their merchant agreement, so the new provider sends it to you to sign.

We tell you what to expect, and keep track until the new rates show on a statement. Your current provider keeps working until the new one is set up.

What we look at

Every plan on offer for your address. We price each one on your own use, from your bills or your meter's readings. That includes any solar power you send back to the grid. We leave out companies not taking new customers. A few plans need more detail than a bill shows, so we can't price them. Your report lists those. For bigger sites, power companies can also send a private written offer.

What happens next

With your approval and your consent, we make the switch for you: we send your sign-up to the new retailer as your representative. You don't fill in its form. We use your Authority to Act for this.

The new retailer may text, email or call you to check. That's normal. Your current energy company closes your old account by itself when the switch goes through. Your power stays on. You can still change your mind in the cooling-off time the law gives you.

Where a retailer only takes sign-ups on its own form, we show you that form step by step, with every answer ready to copy.

What we look at

From your bills: lines with no calls, texts or data, plans that have crept up, and providers' published business plans for the same services.

What happens next

With your approval and your Authority to Act, we ask the new provider to set up the services we compared, keeping your numbers. Moving a number needs the account details on your current bill, which we already have; your current provider may text you a code to confirm the move.

We keep track until the first bill on the new terms arrives. Lines we found unused are cancelled only when you say so.

What we look at

From your own invoices: monthly plans where paying yearly costs less, two tools doing the same job, the same plan billed twice, and price rises at renewal.

What happens next

Changes to a software subscription are made in your own software account, as only its owner can. Once you approve, we tell you exactly what to change.

We check the next invoice shows the new price.

What we look at

Read from your contracts and bills: renewal dates, exit fees, price-rise clauses and notice periods.

What happens next

Nothing to change. The dates and clauses are in your report, and we remind you before the renewals we know about.

What we look at

Free public registers, for your key suppliers: insolvency, court judgments and deregistration.

What happens next

Nothing to change. We show you the facts; what you do about them is up to you.

What we look at

2 or 3 written quotes, each for the same job you have now: the same bins and pickups, or the same cleaning hours.

What happens next

With your approval and your Authority to Act, we ask the new supplier to set you up on the quote we compared. The new supplier sends you its agreement to sign.

Notice to your current supplier is timed to your contract's notice period. We keep track until the first bill on the new terms arrives.

What we look at

2 or 3 written quotes, each for the same work you send now: the same volumes, sizes and delivery areas.

What happens next

With your approval and your Authority to Act, we ask the new carrier to open an account for you on the quote we compared. The new carrier may send you its terms to accept.

We keep track until the first invoice on the new terms arrives.

What we look at

Facts only, from your policy documents. We don't compare insurers, policies or cover.

What happens next

We don't compare, recommend or change insurance. The facts are in your report, and we remind you before the renewals we know about.

If you'd like a review, we can introduce you to a licensed insurance broker. They advise you under their own licence. They pay us a flat fee for some covers, or a share of their commission for business insurance, and we show you which, in dollars, first. We don't give insurance advice.

What we look at

From the bank, loan and overdraft statements you send: a year's interest and fees for each facility. Business banking only.

What happens next

With your approval and your Authority to Act, we write to your bank asking it to review the fees and interest margin on the facilities we listed. Your bank decides; nothing changes unless you approve what it offers.

What we look at

What you tell us: the vehicle or equipment, and when its finance ends or what you plan to buy. Business finance only: we don't introduce personal or home lending, or compare loans.

What happens next

If your vehicle or equipment finance is ending, or you plan to buy, tell us and we'll introduce you to a licensed finance broker for business finance. They advise and arrange any finance under their own licence; any fee they pay us is shown to you in dollars first. We don't give credit advice.

What we look at

Your premium notice checked against the scheme's own published rules: the industry code and which wages count. For the state schemes in New South Wales, Victoria, Queensland and South Australia; elsewhere, facts only.

What happens next

A premium correction is lodged by you with your scheme or insurer, as the policy holder. Once you approve, we email you the letter, ready to send, with the facts and figures.

Your scheme or insurer reviews it and reissues the premium notice.

What we look at

From your bills and Xero records: handset repayments charged after the contract ended, an invoice paid twice, and card fees above the rate in your contract.

What happens next

With your approval and your Authority to Act, we ask the supplier in writing for a refund, with the evidence. The refund is paid to you, never to us. Our fee is 25% of what is actually refunded or credited to you, charged only once the supplier confirms it.

What we look at

We check new supplier bills and bank details in Xero every day, against your own records and the public ABN register.

What happens next

Nothing to change. The people who approve payments see what's worth checking, with the facts. Included with monitoring.

What we look at

Facts only, from your lease and rent bills. For a retail lease we also check outgoings and land tax against your state's retail leases law.

What happens next

We don't negotiate leases or give leasing advice. The facts are in your report, and we remind you before each rent review, the lease expiry and the last day to take up an option to renew.

If you'd like help with a rent review, option or renewal, we can introduce you to a licensed tenant advocate or leasing lawyer. They advise you under their own licence, and any fee they pay us is shown to you in dollars first.