Fairgo Pricing
Fairgo does not put a paywall between a stressed consumer and basic rights help. Core Learn, Resolve, Shield, and handoff pathways stay free for consumers, while partners and public-interest programs fund the infrastructure that makes help scalable.
$0 — free, forever
Everything an Australian consumer needs to know and act on their financial rights.
From $980 per adviser / month
Counsellors at NDH, FRLC, and community legal centres get adviser tooling, case routing, and tenant branding on the same platform consumers use.
Bespoke
Public-funded deployments for state and federal financial-rights programs. Independence-firewalled from regulated industries.
Banks and insurers can't fund or influence Fairgo. Funding only flows from consumer-side counselling networks and government — never from the institutions our consumers complain against.
Consumers under financial stress never see a paywall. No credit card on signup, no upgrade prompts inside the case flow, no hidden tiers gating Resolve, Voice, Shield, or Learn.
Approved partner counselling networks (NDH, FRLC, FCA, community legal centres) carry the cost of adviser seats. The unit economics work because the platform amplifies what one counsellor can handle.
No. Charging people in financial stress for help they're statutorily entitled to is a non-starter for us. Our pricing decision document commits Fairgo to consumer-free, partner-funded, permanently.
No. The independence firewall is the product position — banks, insurers, super funds, and any institution a consumer might complain against cannot fund or have commercial influence over Fairgo. This is enforced contractually and disclosed publicly.
Adviser tooling (case queue, draft workflow, internal notes, workload caps), tenant-admin dashboard and reports, white-label branding, the Microsoft Teams tab, and consumer-facing surfaces routed under the partner brand. Volume tiers above 25 advisers, partnership pricing applies.
Yes — government and regulator deployments are bespoke. Single-tenant in AU region, custom taxonomy, aggregate de-identified outcome reporting. Talk to public sector for procurement detail.
Consumer promise
Public education stays open so people can understand hardship, complaints, debt, insurance, credit, and super before creating an account.
Core complaint and hardship drafting stays free because no one should pay before taking a basic rights action.
Deadline awareness, hardship next steps, and debt action-plan basics stay outside consumer billing gates.
When a case needs a counsellor, legal centre, or adviser, the consumer path stays funded by partner, grant, or sector program where available.
Partner pricing anchors
These ranges are planning anchors, not final quotes. The first sale is a funded pilot with measurable outcomes, not a checkout page.
| Tier | Buyer | Indicative pricing | What they get |
|---|---|---|---|
| Lighthouse pilot | NDH, FRLC, selected financial counselling or legal-aid pilots | Free to low-cost pilot | White-label intake, case brief generation, Learn overlays, handoff workflow, and evidence for grant or procurement cases. |
| Community partner | Small community legal centre, local financial counselling service, specialist nonprofit | AUD $500 to $1,500/month | Branded intake, adviser queue, case briefs, limited admin, usage reporting, and human handoff routing. |
| State or network partner | Statewide provider, NDH-like program, multi-site nonprofit, peak body | AUD $3,000 to $8,000/month | Multi-tenant setup, higher case volume, reporting exports, content overlays, admin controls, and priority support. |
| Government or sector program | DSS/state government, sector innovation fund, financial counselling industry fund, philanthropic program | AUD $75,000 to $250,000/year | Funded consumer access, implementation support, outcome reporting, accessibility/privacy reviews, and program-level analytics. |
| Enterprise integration | Approved non-conflicted enterprise or public-interest institution | Custom, AUD $50,000+/year | API access, custom integrations, SLA, data residency/security review, and procurement support. |
Independence firewall
Fairgo is free for consumers because access is funded by partners and public-interest programs. Funders cannot influence complaint logic, citations, rankings, or outcomes.
Why this model
National Debt Helpline, Financial Rights Legal Centre, Consumer Action, and the financial ombudsman are all built around free or publicly funded access.
Charging Simon before a hardship complaint adds friction at the worst possible moment and makes Fairgo look like it is monetising distress.
Partners buy intake capacity, case briefs, handoff workflows, compliance reporting, and outcome visibility so more people get helped.
For partners
Fairgo is infrastructure for trusted intake, drafting, routing, reporting, and outcomes.