Payment, Credit & Financial Policy

We offer flexible payment options to suit different stages of care.

Pay Per Visit

• Payment is made at the time of each appointment.
• Accepted payment methods include: EFTPOS, credit/debit card, or cash.

Installment Plans

• For longer care plans, we offer flexible instalment options that allow you to spread the cost of care into smaller, regular payments.
• Payments can be made by direct debit or in clinic.

Account Credit

• Many members choose to prepay for care or maintain a positive account balance.
• This provides a simple, convenient way to continue care without needing to process payment at every visit.

• Use of Credits: Credits can only be redeemed for chiropractic-related services at Cor Chiro. They cannot be used for retail items, products, or supplements.
  
• Family Use: Credits may be shared or transferred within the same immediate family but cannot be transferred to unrelated individuals.
  
• Keeping a Balance: Many clients prefer to hold a positive balance for future visits, we respect this choice and will honour your credits to support your best health outcomes.

• If your account has been inactive for 36 months (no visits or use of credits), your balance will be considered “inactive.”
  
• Before writing off inactive balances, we will make reasonable attempts to contact you using the details you’ve provided.
  
• If contact cannot be made, the credit will be removed from your account in line with NSW and Australian law.

• Payment for services is due at the time of appointment unless you are on an installment or bulk credit plan.
  
• If your account falls into arrears, we will contact you to arrange settlement.
  
• Any account that remains unpaid after reasonable follow-up may be referred to a debt collection service.
• Additional costs incurred through debt recovery may be passed on to the account holder.

• If services cannot be delivered as agreed, you are entitled to a credit or refund under Australian Consumer Law.
• Otherwise, credits are not refundable for cash.
• If you choose to close your account, any valid remaining balance will be applied to chiropractic services or refunded as legally required.

1. Vouchers and promotional offers advertised on our website, social media, or marketing materials are:

• Single use only
  
• Not redeemable for cash
  
• Non-transferable to others
  
• Valid for one per person
  
• For new clients only, unless otherwise stated
  

2. Vouchers cannot be combined with other promotions or applied to past services.

3. Cor Chiro reserves the right to withdraw or amend promotions at any time.

We are committed to managing your account with accuracy, fairness, and transparency.

This includes:

• Maintaining accurate records of payments and credits
• Providing reminders before unused credits become inactive
• Managing outstanding accounts respectfully and professionally
• Complying with Australian Consumer Law and relevant healthcare regulations
• Supporting continuity of care wherever possible
  

To help us provide the best possible experience, we ask that you:

• Keep your contact details up to date
• Choose the payment option that best suits your needs
• Use account credits within a reasonable timeframe
• Ensure outstanding balances are paid promptly

Ways to pay

• Pay per visit
• Installment plans
• Bulk/credit
  

Account credits

• Valid for chiropractic services
• Shareable within immediate family
• Honoured to support your ongoing care
  

Inactive accounts

• Credits become inactive after 36 months of no account activity
• We will attempt to contact you before any balance is removed
  

Outstanding balances

• We will always seek to resolve payment matters respectfully before any further action is taken
  

Promotional offers

• Single use
• One per person
• New members unless otherwise stated
• Non-transferable
  

This policy operates in accordance with the Competition and Consumer Act 2010 (Australian Consumer Law), applicable NSW legislation, and the professional standards set by the Chiropractic Board of Australia.

Cor. Chiropractic is committed to meeting these obligations while providing ethical, transparent, and patient-centred care.