Want a real person to look at this with you?

You can share your data with a financial counsellor (free, NDH) or a financial-rights lawyer (free, FRLC). They're not Fairgo — they're independent. They've agreed to look at your case under the rules below.

CDR consent active · Westpac · 90 days · expires 11 August 2026 Manage in Settings

Step 1 of 3 · Who you'd like

Pick an adviser

We've matched these advisers to your case. They're free. They have your back.

Sarah Khouri

Financial Counsellor FCA member 12876 NDH Victoria

8 years with NDH. Specialises in mortgage hardship and consumer credit. Also speaks Vietnamese.

Available now · usually responds within 30 minutes during business hours

Matched to your case based on hardship + Westpac home loan

Daniel Park

Financial Counsellor FCA 9412 NDH NSW

12 years with NDH. Specialises in debt collection and statute-barred debts.

Next available 16:30 today

Mei Wong

Financial Counsellor FCA 8821 NDH WA

5 years with NDH + 3 years with Mob Strong Debt Help. Specialises in First Nations consumers + family violence.

Available tomorrow morning

Or browse our full panel of 187 NDH counsellors opens search

Step 2 of 3 · What you'll share

How much do you want Sarah to see?

Default is the minimum she needs to give you good advice. You can always share more later if it helps your case.

Option A — Derived signals only Default · Minimum sharing

Sarah will see: your monthly income estimate, monthly fixed expenses, monthly surplus capacity, fee-anomaly summary, comparison-rate gap. Not raw transactions.

This is what we share by default. It's enough for Sarah to draft a hardship variation, talk through your options, and lodge with AFCA if needed.

Source lineage: Adatree CDR connection · 90-day window · last refreshed 14:32 today

Option B — Derived signals + raw transactions Opt-up

Sarah will additionally see: every transaction in your Westpac account for the last 90 days, line by line.

Choose this if Sarah needs to look at specific transactions to investigate a fee dispute or trace where money went.

You can switch to this anytime. Sarah will be notified if you do.

Step 3 of 3 · Important — read this

What changes when you share with Sarah

CDR protections do not extend to data shared outside the CDR-accredited environment.

When you nominate Sarah as your Trusted Adviser, the data you share with her leaves the CDR system. From that point on, what Sarah does with it is governed by the Privacy Act (Australian Privacy Principles 6 and 11), not by the CDR Privacy Safeguards. Sarah's organisation (NDH) has its own data handling policies — we've reviewed them and consider them strong, but the legal regime is different.

What stays the same: your data is still subject to the Privacy Act. NDH counsellors are bound by the Financial Counselling Industry Code of Ethics. Sarah cannot share your data with Westpac, with Fairgo, or with anyone else without your explicit further consent.

What this means for you

Sarah can use what you share to advise you, draft letters on your behalf, and represent you at AFCA. That's the point of nominating her.
Sarah cannot sell or commercially share your data. NDH is a not-for-profit funded by FCIF.
If you ever want to revoke Sarah's access, you can do that anytime in Settings → Trusted Adviser.

Confirm you understand:

I want to nominate Sarah Khouri (FCA 12876, NDH Victoria) as my Trusted Adviser. I'll share derived signals only (Option A) — I can change to Option B later. I understand that data shared with Sarah is governed by the Privacy Act (APP 6 and 11), not by CDR Privacy Safeguards. I can revoke Sarah's access anytime in Settings → Trusted Adviser.

Tick all 4 boxes above to enable

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