{
  "id": "trust/accreditations",
  "title": "Accreditations",
  "slug": "trust/accreditations",
  "description": "# Accreditations\n\nMyBudget operates under Australian financial services regulation and dispute-resolution frameworks. This page sets out the licences we hold, who regulates us, and where you can escal...",
  "category": "",
  "content": "# Accreditations\n\nMyBudget operates under Australian financial services regulation and dispute-resolution frameworks. This page sets out the licences we hold, who regulates us, and where you can escalate a complaint if you ever need to.\n\n## Australian Financial Services Licence (AFSL)\n\nMyBudget holds an **Australian Financial Services Licence** issued and overseen by the Australian Securities and Investments Commission (ASIC). The AFSL authorises MyBudget to provide **general financial advice** within the Australian regulatory framework.\n\nHolding an AFSL means MyBudget meets the compliance, competency, and disclosure standards required to operate as a financial services provider in Australia. Our AFSL number is disclosed to every client as part of our standard onboarding — it appears on our formal documentation and is available on request.\n\n## Australian Credit Licence (ACL)\n\nMyBudget also holds an **Australian Credit Licence**, again overseen by ASIC. The ACL permits MyBudget to provide a range of **credit-related services**, including credit advice and debt management solutions.\n\nAny organisation offering credit-related services in Australia — including Buy Now Pay Later providers and similar entities — is required to hold an ACL. Ours signifies that MyBudget meets the regulatory standards required to operate in the Australian credit market.\n\n## Regulator: ASIC\n\nThe **Australian Securities and Investments Commission (ASIC)** is the Australian regulatory body that oversees credit and financial services legislation. ASIC issues and monitors both AFSLs and ACLs, sets industry conduct standards, and enforces compliance across the sector.\n\n## External dispute resolution: AFCA\n\nEvery AFSL and ACL holder in Australia must be a member of an external dispute resolution scheme. MyBudget's external dispute resolution provider is the **Australian Financial Complaints Authority (AFCA)**.\n\nAFCA is a **free, independent service** that helps Australians resolve complaints with financial service providers. If you are ever unhappy with how MyBudget has handled a complaint internally, you can escalate to AFCA directly.\n\n**Contact AFCA:**\n\n- Phone: **1800 931 678**\n- Web: **[www.afca.org.au](https://www.afca.org.au/)**\n- Post: GPO Box 3, Melbourne VIC 3001\n\n## Independent client ratings\n\nBeyond our regulatory credentials, MyBudget's service is rated publicly by clients on independent review platforms:\n\n- **4.6 stars on Product Review** (2026)\n- **4.7–4.9 stars on TrustPilot**\n\nThese ratings are unfiltered client feedback. We read them, we act on them, and we thank the clients who take the time to leave one.\n\n## Since 1999\n\nMyBudget was founded in 1999 and has been serving Australians ever since. Over that time we have helped more than **130,000 Australians** live free from money worries — and every one of them was served under the same regulatory framework described above.\n\n## Related pages\n\n- [Our story](/about/our-story/) — how MyBudget was founded and what we believe about money\n- [The MyBudget Method](/trust/the-mybudget-method/) — how the accreditations translate into day-to-day service\n- [Client success stories](/trust/client-success-stories/) — real client outcomes under this framework\n- [Leadership](/about/leadership/) — the team accountable for those standards\n",
  "geography": {},
  "metadata": {},
  "publishedAt": "2026-07-17T02:59:42.840692+00:00Z",
  "tags": [],
  "workspaceId": "fd95e1d3-9064-4f51-89f5-3d0261fe556f",
  "_links": {
    "canonical": "https://mybudget.directory.norg.ai/trust/accreditations/"
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}