Design & Distribution Obligations

Target Market Determination

This page sets out IVF Pay's Target Market Determinations (TMDs) for its loan products, as required under the National Consumer Credit Protection Act 2009. Select the product below to view the relevant determination.

Issuer	IVF Pay Pty Ltd (ABN: 86 693 531 958) (Australian Credit Licence 576437)
Effective Date	1 July 2026
Product	IVF Pay's Medium Amount Loan — an unsecured personal loan of $2,001 to $5,000, for a term of 6 months to 2 years, to cover the cost of fertility treatments in Australia.

About this TMD

The purpose of this Target Market Determination is to provide consumers and distributors with information about the class of consumers for which the Product is designed.

IVF Pay is committed to creating and maintaining a consumer-centric approach to the design and distribution of its Products.

This TMD does not contain all the information a consumer may require before making a decision to acquire the Product. It does not provide financial advice and does not take into account any particular consumer's objectives, financial situation or needs. Consumers should refer to the Credit Guide, Loan Contract and other product documents available at ivfpay.au.

Product description & key attributes

Target consumer	Key product attribute
Wishes to undergo fertility treatment in Australia, including IVF, IUI, FET and other assisted reproductive procedures	—
Wishes to understand their indicative borrowing capacity to support treatment planning and financial decision-making	Pre-approval process: IVF Pay conducts a pre-approval process so consumers can understand their borrowing capacity upfront and plan their treatments accordingly.
Seeking a loan of $2,001–$5,000 to cover specific aspects of fertility treatment or gap finance	Amount: $2,001–$5,000 · Term: 6 months – 2 years
Requires a fixed interest rate	Interest rate: Fixed rate for the life of the loan.
Requires flexibility to make extra repayments	No early repayment fees: Extra repayments or full payout at any time, no fees or charges.

Key eligibility

Permanent resident or citizen of Australia
Aged 18 or above
Not a current or prior bankrupt and no court judgment against them
Regular income of at least $35,000 per annum before tax
Confirmed employment (full time, part-time, casual or self-employed)
No defaults (paid or unpaid)

Consumers for whom the product is not suitable

Do not meet the eligibility requirements
Are not undergoing, or seeking to undergo, fertility treatment
Require a variable interest rate or interest-free facility
Want to be able to redraw any additional repayments made
Require a secured loan
Are currently or previously bankrupt or have a court judgment against them
Do not have stable employment
Are unable to meet the repayment obligations
Are below the age of 18
Have low levels of financial or technological literacy
Are in financial hardship, going through bankruptcy, or have a court judgment against them
Are vulnerable, including those who are:
Suffering any form of cognitive impairment
Suffering from elder or financial abuse
Unemployed or who have recently experienced job loss
Suffering from mental or other forms of serious illness affecting capacity
Suffering from any form of addiction
Suffering from any other personal or financial circumstances causing significant detriment

Consistency between target market and product

IVF Pay has assessed the Product and formed the view that the Product, including its key attributes, is likely to be consistent with the likely objectives, financial situation and needs of consumers in the Target Market. The Product enables consumers to access finance for fertility treatment in a time- and needs-sensitive manner and is consistent with the needs of consumers seeking flexibility in relation to repayment arrangements.

Distribution

Distribution channels

The Product is designed to be distributed by the Issuer only via its Website. As at the date of this TMD, the Issuer is the sole distributor of the Product.

Sales staff requirements

Undertake training prior to assisting consumers
Be monitored by senior management to ensure compliance with training
Follow all documented procedures
Ask knockout screening questions before an application is commenced to ensure the consumer is within the Target Market

Distribution conditions

Consumer meets the eligibility requirements
Consumer has applied via the Website
Consumer has appropriate borrowing capacity
Distribution is in accordance with responsible lending guidelines and IVF Pay's product and process requirements

Review & monitoring

Initial Review	Within 12 months of the effective date of this TMD.
Periodic Reviews	At least every 12 months from the last review.
Review Triggers	Material changes to the key attributes of the Product Occurrence of a significant dealing outside the Target Market Distribution conditions found to be inadequate External events such as adverse media coverage or regulatory attention Significant changes in metrics, including: A material increase in the interest rate being charged Complaints exceeding 10% of loans applied for 5–7% of consumers experiencing repayment delinquency over a 30-day period Early Product closure volume Issues detected through monitoring of daily business activities

Distribution information

Complaints

All complaints are reported on a monthly basis, including written details of each complaint.

Significant dealings

Any significant dealing is reported to IVF Pay within 10 business days of becoming aware.

Feedback

All consumer feedback on product performance is reported on a quarterly basis.

Issuer	IVF Pay Pty Ltd (ABN: 86 693 531 958) (Australian Credit Licence 576437)
Effective Date	1 July 2026
Product	IVF Pay's Large Amount Loan — an unsecured personal loan of $5,001 to $15,000, for a term of 1 to 5 years, to cover the cost of fertility treatments in Australia.