Australian Court Upholds Ruling on Misleading Harvey Norman Ads

The Full Court of the Federal Court of Australia has upheld a prior decision against Latitude Financial and Harvey Norman, maintaining that certain advertisements were misleading.

These ads, which ran from January 2020 to August 2021, promoted ‘no deposit’ and ‘interest-free’ payment options but failed to disclose the necessity of acquiring a Latitude GO Mastercard to avail the offer.

The promotional efforts did not sufficiently clarify the connection to the credit card or its issuer, Latitude Finance, misleading consumers about essential terms of the deal.

This ruling is significant as it reaffirms the importance of transparency in advertising, particularly about financial products with complex conditions. Consumers who obtained the Latitude GO Mastercard believing they could benefit from the interest-free period were instead subject to additional costs, including a $537 fee. These undisclosed fees comprised an establishment charge and ongoing monthly service fees, impacting the financially vulnerable the hardest.

The outcome underscores the Australian Securities and Investments Commission’s (ASIC) commitment to protecting consumers by ensuring promotional materials don’t obscure the true costs and conditions associated with financial agreements. Businesses are reminded that their advertisements must be clear and straightforward to avoid misleading potential customers, particularly when promoting financial products or services.

Moving forward, this legal precedent may influence how Australian corporations approach advertising strategies, particularly in the financial and retail sectors. Companies are likely to review their marketing content to ensure compliance with consumer protection laws. The decision also serves as a warning that failure to disclose complete terms clearly can lead to legal action and damage to reputations.

Published:Wednesday, 8th Oct 2025
Source: Paige Estritori

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Truth in Lending Act (TILA):
A federal law designed to promote the informed use of consumer credit by requiring disclosures about terms and costs.

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Australian Court Upholds Ruling on Misleading Harvey Norman Ads

Australian Court Upholds Ruling on Misleading Harvey Norman Ads

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