Harmoney Brand Style Guide

This style guide is rendered directly from the brand definition data that produces the Harmoney website. Approving this document approves the rules the website is built from.

Brand definition version 2026-07-20.1+0 Guide date 17 July 2026 Review state Prepared for review - sign-off pending Brand defined by Alt Group (Auckland), May 2021 · systematised 2026

Every value, rule, specimen and asset in this document is rendered from the brand definition - the same data that styles the website pages. The stylesheets that lay out this document are the stylesheets the website links. Nothing here is invented or approximated; where a rule is still open, it is listed in the register at the end rather than silently decided.

  1. 02Brand foundations
  2. 03Logo
  3. 04Colour
  4. 05Typography
  5. 06Spacing and layout
  6. 07Components
  7. 08Iconography
  8. 09Motion
  9. 10Voice and tone
  10. 11Photography
  11. 12Data visualisation
  12. 13Digital advertising
  13. 14Sign-off register and open items
02 · BRAND FOUNDATIONS

Humanising Money

Defined by Alt Group, May 2021 · systematised 2026

Harmoney's organising principle is Humanising Money. The mission: we help people make a start. The product is not a loan, it is potential.

Harmoney occupies the lending space between banks and payday lenders. Below ten thousand dollars a loan is a snap decision; above twenty thousand it is a considered one. Harmoney's average loan sits in the considered range, which is why the brand earns trust by acting like a trusted entity rather than asking for trust.

Philosophy

Think, talk and act human.
Build trust through action, not assertion - act like a trusted entity to earn trust.
Great things are not done in one fell swoop - but by a series of small things done in a great way.
Money is there to help people get things done.
Reframe conventions; address the aspirational state.
Solve problems while selling opportunities.

The tagline stack

Harmoney has four taglines, used in four different places. Pick the line that fits the channel; do not invent new framings.

LineWhere it is used
Make a start.Internal, strategic and positioning use. The master line behind everything. Variants: a call to action, a first step, a new beginning, a clean slate.
Start anything.Broadcast end-frame and video pre-roll sign-off. Owns the broadest possible space.
Loans to start just about anything.Consumer-facing tagline. Used under product hero copy on website and social.
Start [aspiration].Modular ad pattern. Slots into headlines, outdoor and social: Start your business · Start your road trip · Start your renovations.
Supporting lines, not headlines: "We help people make a start." (mission) and "Every loan is the start of something." are established framings that support the stack. They are used as supporting copy only.

The customer-centricity checklist

Nine questions asked of every piece of customer-facing work:

1Are we helping them feel smart about their decision?
2Are we helping them make a thoughtful and considered decision?
3Does this help someone feel positive about their choice?
4Does it highlight opportunity and possibility?
5Does it highlight solutions over problems?
6Does this engender trust?
7Am I speaking like I am giving advice to a friend or do I sound like I am selling?
8Is there anything that could be made easier to understand?
9Does the answer humanise money and serve our customers?
04 · COLOUR

Bright, contemporary, warm

Defined by Alt Group, May 2021 · systematised 2026

A bright, contemporary palette evoking warmth and technological innovation. Choral Red is the hero in every composition; Harmoney Black anchors; white keeps everything crisp.

Brand primary

Choral Red 100#FF4B4Argb(255, 75, 74)Main brand colour. Hero in every composition. Use for stopping power. Equally impactful as a highlight in white space.
Harmoney Black#434343rgb(67, 67, 67)Visual anchor. Never used as a fill colour. Primary text colour.
White#FFFFFFrgb(255, 255, 255)Text on Choral Red. Large fills and backgrounds. Clean understated crispness.

Brand secondary

Blue is the interactive highlight in the funnel - buttons, field highlights, text links. Green indicates success and completion.

Blue 100#206EEErgb(32, 110, 238)Interactive highlight in funnel. Buttons, field highlights, text links.
Blue 25#F6F9FErgb(246, 249, 254)Background highlight for optioned selections on website.
Green 100#45D06Crgb(69, 208, 108)Success/completion indicator. Field or selection correctly filled.
Green 25#EFFBF2rgb(239, 251, 242)Background highlight for green frame fields.

Functional greys

Grey 125#8E8E8Ergb(142, 142, 142)T&Cs text on digital. High contrast but not prominent for long paragraphs.
Grey 100#B2B2B2rgb(178, 178, 178)Inactive states on digital fields.
Grey 50#DBDBDBrgb(219, 219, 219)Mid-tone border/divider.
Grey 25#F5F5F5rgb(245, 245, 245)Background wash. Always present in digital, lets white and red stand out.

System colours

Error Red and Alert Yellow appear only as icon fills or field outline highlights - never as fills for large areas.

Error Red 100#FF0000rgb(255, 0, 0)Errors and critical warnings. Only as icon fills or field outline highlights.
Error Red 25#FFF5F5rgb(255, 245, 245)Background for error fields.
Alert Yellow 100#FFC83Brgb(255, 200, 59)Important warnings. Icon fills or field outline highlights only.
Alert Yellow 25#FFF9EBrgb(255, 249, 235)Background for warning fields.

Extended palette - the tonal ramps

Each family runs a full ramp from 150 (darkest) to 25 (lightest). Gradients and tints stay inside a single family.

Red
150
125
100
75
50
25
Blue
150
125
100
75
50
25
Green
150
125
100
75
50
25
Grey
125
100
50
25
Red 150#4D130Drgb(77, 19, 13)
Red 125#D33D3Brgb(211, 61, 59)
Red 75#FF8D8Crgb(255, 141, 140)
Red 50#FFD6D2rgb(255, 214, 210)
Red 25#FFEBEBrgb(255, 235, 235)
Blue 150#102B58rgb(16, 43, 88)
Blue 125#1C5BC2rgb(28, 91, 194)
Blue 75#73A4F5rgb(115, 164, 245)
Blue 50#CFE0FCrgb(207, 224, 252)
Green 150#14391Ergb(20, 57, 30)
Green 125#37A355rgb(55, 163, 85)
Green 75#7EE399rgb(126, 227, 153)
Green 50#C8F3D4rgb(200, 243, 212)
Burgundy (alias for Red 150)#4D130Drgb(77, 19, 13)
Burgundy is the fifth named swatch from the May 2021 palette, the same colour as Red 150. Its deployment is scoped: advertising creative, the calculator call-to-action, and the pre-qualification concept. It is excluded from live website chrome and body surfaces, and it never substitutes for Harmoney Black.

Gradients - all fourteen

Only create gradient combinations within each colour family, blending dark to mid-tone to light. Angular 45-degree gradients serve buttons and icons (lighter colour on top edge); vertical gradients serve website section separators and graphs; angular circular pairings serve donut graphs. The white gradient is reserved for website content separators.

--gradient-red-1-45linear-gradient(45deg, #FF4B4A, #D33D3B, #FF8D8C)
--gradient-red-1-verticallinear-gradient(180deg, #FF4B4A, #D33D3B, #FF8D8C)
--gradient-red-2-45linear-gradient(45deg, #FF4B4A, #FFEBEB)
--gradient-red-2-verticallinear-gradient(180deg, #FF4B4A, #FFEBEB)
--gradient-blue-1-45linear-gradient(45deg, #206EEE, #1C5BC2, #73A4F5)
--gradient-blue-1-verticallinear-gradient(180deg, #206EEE, #1C5BC2, #73A4F5)
--gradient-blue-2-45linear-gradient(45deg, #206EEE, #F6F9FE)
--gradient-blue-2-verticallinear-gradient(180deg, #206EEE, #F6F9FE)
--gradient-green-1-45linear-gradient(45deg, #45D06C, #37A355, #7EE399)
--gradient-green-1-verticallinear-gradient(180deg, #45D06C, #37A355, #7EE399)
--gradient-green-2-45linear-gradient(45deg, #45D06C, #EFFBF2)
--gradient-green-2-verticallinear-gradient(180deg, #45D06C, #EFFBF2)
--gradient-grey-white-45linear-gradient(45deg, #F5F5F5, #DBDBDB, rgba(255, 255, 255, 0.00), #FFFFFF)
--gradient-grey-white-verticallinear-gradient(180deg, #F5F5F5, #DBDBDB, rgba(255, 255, 255, 0.00), #FFFFFF)

Shadows

inner · 0 1 2 · 10%
drop · 0 2 12 · 50%

The inner shadow serves buttons and data call-outs on graphs. The drop shadow is cast in Grey 100 at 50 percent opacity.

Usage and contrast

Choral Red is for stopping power - equally impactful as a highlight in white space.
Harmoney Black is the visual anchor and primary text colour. It is never used as a fill colour, and body text is never pure black.
Grey 25 is the background wash - always present in digital, letting white and red stand out.
Statutory text holds a 4.5:1 minimum contrast at body sizes. White on Choral Red measures about 3.3:1, so statutory and footnote text renders Harmoney Black on White (about 12.6:1). This is why the website footer is white with dark statutory text.
05 · TYPOGRAPHY

Warm and friendly type

Defined by Alt Group, May 2021 · systematised 2026

Neue Haas Grotesk Round Dots - warm and friendly, with round dots and punctuation. Display for titles and big numbers, Text for body copy, Roboto Mono as the tech-quirk accent.

The three families, every served weight

This document embeds the exact font files the website serves. What renders below is the served subset, weight by weight.

Haas Grot Disp 400
AaBbCcDdEeFfGgHhIiJjKkLlMmNnOoPpQqRrSsTtUuVvWwXxYyZz 0123456789 $%&
Tēnā koutou · ā ē ī ō ū · Ā Ē Ī Ō Ū
Haas Grot Disp 500
AaBbCcDdEeFfGgHhIiJjKkLlMmNnOoPpQqRrSsTtUuVvWwXxYyZz 0123456789 $%&
Tēnā koutou · ā ē ī ō ū · Ā Ē Ī Ō Ū
Haas Grot Text 400
AaBbCcDdEeFfGgHhIiJjKkLlMmNnOoPpQqRrSsTtUuVvWwXxYyZz 0123456789 $%&
Tēnā koutou · ā ē ī ō ū · Ā Ē Ī Ō Ū
Haas Grot Text 500
AaBbCcDdEeFfGgHhIiJjKkLlMmNnOoPpQqRrSsTtUuVvWwXxYyZz 0123456789 $%&
Tēnā koutou · ā ē ī ō ū · Ā Ē Ī Ō Ū
Haas Grot Text 700
AaBbCcDdEeFfGgHhIiJjKkLlMmNnOoPpQqRrSsTtUuVvWwXxYyZz 0123456789 $%&
Tēnā koutou · ā ē ī ō ū · Ā Ē Ī Ō Ū
Roboto Mono 500
AaBbCcDdEeFfGgHhIiJjKkLlMmNnOoPpQqRrSsTtUuVvWwXxYyZz 0123456789 $%&
Tēnā koutou · ā ē ī ō ū · Ā Ē Ī Ō Ū
Te reo Māori macrons are non-negotiable for harmoney.co.nz. The red line in each specimen above proves every served face carries the extended Latin characters ā ē ī ō ū and Ā Ē Ī Ō Ū.

The type scale

The scale is an Augmented Fourth (factor 1.414), rounded to the nearest four, with solfège step names. Sizes are literal pixels; below 640px viewports the mobile values apply (resize this window to see the scale respond). Headline leading is solid - leading equals type size. Body leading is loose - 1.4x, rounded to the nearest factor of four.

StepSemanticFactorSize/leading (px, from 640px)Mobile (px, below 640px)
Ladisplay-13.998rem 96/9672/72
Solheading-12.827rem 68/6852/52
Miheading-21.999rem 48/4836/36
Faintro1.414rem 32/4424/32
Dobody1rem 24/3618/24
Resmall0.707rem 16/2412/16
Ticaption0.5rem 12/1612/16
La · display-1 · 96px / 72px mobile
Make a start.
Sol · heading-1 · 68px / 52px mobile
Make a start.
Mi · heading-2 · 48px / 36px mobile
Make a start.
Fa · intro · 32px / 24px mobile
Make a start.
Do · body · 24px / 18px mobile
Make a start.
Re · small · 16px / 12px mobile
Make a start.
Ti · caption · 12px / 12px mobile
Make a start.

Setting rules

Tracking: -0.5% - tight but not crunched.
Case: sentence case for all copy. Buttons are ALL CAPS. Product names are Title Case. Avoid all caps in paragraphs except obvious acronyms.
Alignment: flush left across all communications. Centre only for terms, footnotes, or constrained spaces such as web banners.
Line length: short line lengths preferred - big type makes this natural. Be generous with body copy size.
Italics: do not italicise. Emphasis is carried by bold weight or red colour. Narrow exceptions exist for published-work titles, foreign words on first use, and scientific names.
Numbers and data render in Roboto Mono Medium - details, graph labels, speech bubbles, tabular data.

Served font payload

Six faces are served, subset to the required character ranges including the macron set.

FamilyWeightPayloadStatus
Haas Grot Disp40029.4 KBDeclared
Haas Grot Disp50028.2 KBCritical path
Haas Grot Text40029.8 KBCritical path
Haas Grot Text50031.6 KBDeclared
Haas Grot Text70030.4 KBCritical path
Roboto Mono50016.3 KBCritical path
Served total165.7 KBBudgets: critical path 120 KB, served total 180 KB
Open item: written confirmation of the webfont licence is pending and is listed in the register (section 14).
06 · SPACING AND LAYOUT

The rule of four

Defined by Alt Group, May 2021 · systematised 2026

Everything is built off a factor of four - grids, compositions, typography, corner radii. The base measurements are 12, 16, 24, 32 and 48.

Spacing scale

--space-12
--space-16
--space-24
--space-32
--space-48

The factors apply to scales, strokes, spacing and radius alike.

Corner radii

8px · icons, inputs
12px · tiles, cards
16px · panels
pill · buttons

The pill is the core brand shape - the call to action is always the pill.

Grid thinking

Divide space into 4 equal quadrants.
Use 4 columns to structure layout.
Create 4x4 grid systems.
Use 4 rows as primary horizontal divisions.

Web breakpoints

The website is mobile-first: base styles are the single-column layout, and enhancements apply at two breakpoints.

base - single column, mobile type scale, stacked calculator, single-column repayment grid
640px compact - full type scale applies, calculator label column unstacks, repayment frequency grid becomes 3-across
880px wide - hero becomes 2-column (1.4fr / 1fr), multi-column component grids reach full width

Structural primitives

Three primitives lay out every page - a centred 1200px container, a padded section, and a vertical stack. This document is itself built from them.

container · section · stack
stack child · 16px rhythm
stack child · 16px rhythm
stack child · 16px rhythm
07 · COMPONENTS

The website, piece by piece

Rendered live by the same stylesheets the website links

Every specimen below is rendered by the production component classes - not a picture of the website, the website's own rules applied to sample content.

The same rules applied on complete pages can be reviewed on the demonstration site at au.cloudflare-harmoney.workers.dev.

The header and the footer carry a fuller specification than the components between them, because each is built twice - once in the content management system, once in the worker - and the two must come out the same. For those two, the specimen is followed by the contracts a developer needs: the element tree, the values that vary by market, the behaviour, the accessibility requirements, and what each implementation has to do differently.

Header

The header carries the brand mark, the navigation, one contact control and two calls to action. Everything in it is either a destination or an action; nothing in it is decorative.

Header · wide · brand mark · navigation with the investor disclosure · contact control · two calls to action

Open the Investor Centre disclosure above with the keyboard: tab to it, press Enter or Space, arrow or tab through the four links, press Escape to close. Focus returns to the trigger. The trigger is a button and not a link, because it has no destination of its own.

Header · compact · menu button and panel (panel held open for review)

Below 880px the bar carries the brand mark, the contact icon, the primary call to action and the menu button; the number and the secondary action ride in the panel, so both required elements remain reachable at every width. From 880px the inline navigation replaces the panel and the number joins the bar. The panel above is held open for review.

Contact control · both markets · the two numbers do not derive the same way

One anchor, not two: the icon is hidden from assistive technology and the number is the accessible name, so the control is a single tab stop announced as its own number. The displayed string always stays national - never render the international form to a customer.

Contact rule: the dialled value and the displayed value are two separate stored fields, and neither is computed from the other. There is no single transform that is correct for both markets: Australia keeps the leading 1 of a 1300 number, New Zealand drops the trunk 0 of an 0800 number. Deriving one from the other produces a well-formed number in the wrong country, which fails silently rather than loudly.

Header · structural contract

PartElement and classRequiredNotes
Root<header class="hmy-site-header">YesBanner landmark. One per page.
Bar.hmy-container.hmy-site-header__barYesBrand mark, navigation, actions.
Brand marka.hmy-logoYesAn anchor to the market home page. It carries the accessible name, so the marks inside it do not.
Mark · compactsvg.hmy-logo__mark.hmy-logo__mark--lettermarkYesThe lettermark - the canon variant for constrained spaces. Shown below 880px.
Mark · widesvg.hmy-logo__mark.hmy-logo__mark--primaryYesThe primary mark, the logotype in its button shape. Shown from 880px.
Inline navigationnav.hmy-site-navYesHidden below 880px. Needs an accessible name.
Navigation linka.hmy-site-nav__linkYesRepeats. The inline set is bound by width, not by importance. The bar holds the brand mark, the links, the contact control and two calls to action, and it has a finite amount of room; an item the register marks as not-inline stays primary and stays in the menu at every width, and is simply not rendered here. Which item yields is an editorial decision and belongs in the navigation register, so that changing it is a data edit rather than a stylesheet one.
Inline-link markera.hmy-site-nav__link--in-barYes, in the panelCarried by the panel's copy of every link that also appears inline, so the wide breakpoint can hide exactly those and leave the rest.
Disclosure.hmy-nav-dropdownOptionalA navigation link that owns a group of links. Repeatable.
Disclosure triggerbutton.hmy-nav-dropdown__triggerWith disclosureButton. Carries aria-expanded and aria-controls.
Disclosure panelul.hmy-nav-dropdown__panelWith disclosureList of links. Its id is the trigger's aria-controls.
Actions.hmy-site-header__actionsYesContact control then calls to action, in priority order.
Contact controla.hmy-phoneYesOne anchor wrapping both parts.
Contact iconspan.hmy-phone__iconYesaria-hidden="true". The brand phone icon at 24px.
Contact numberspan.hmy-phone__numberYesThe digits, never the phoneword. Suppressed in the bar below 560px, where only the icon and the tel: target remain; the panel instance always shows it. A phoneword form belongs in the footer, which is a column and has the room - in the bar it costs 268px of type beside a 24px icon, which is what pushed the New Zealand header 123px past its own container.
Primary actiona.hmy-btnYesExactly one per header. Keeps its words at every width - it is the primary action, and an unlabelled one is a guess. Its side padding tightens below 880px rather than its label shortening.
Secondary actiona.hmy-btn.hmy-btn--secondary.hmy-signinYesExactly one per header. Present at every width: below 880px it is the sign-in glyph alone, from there it is the word.
Secondary action glyphspan.hmy-signin__iconYesaria-hidden="true". Shown only below 880px, so the control is never both glyph and word.
Secondary action labelspan.hmy-signin__labelYesHidden below 880px. The anchor carries the accessible name itself, so the control does not rename itself at a breakpoint - a control that loses its name when it loses its label is a control that fails exactly the people least able to recover from it.
Menu buttonbutton.hmy-nav-toggleYesPresent at every width per the navigation canon.
Panel.hmy-nav-panelYesStacked link set. .is-open reveals it.
Bar capacity-ConstraintBrand mark, navigation, contact control and both actions fit one line at 880px. A market whose navigation outgrows the line moves links into the panel; it does not shrink the actions or let them clip. The specimen above shows two links and one disclosure, which is the practical ceiling alongside a contact control and two pills.

The live estate ships the contact control as two adjacent anchors to the same destination, wrapped in .cs-contact-btn > .icon-wrp plus .contant-wrp. Two links to one destination is a duplicate, not a variant, so this specification collapses them to one. The mapping is recorded below rather than the spelling carried forward.

Content management system classThis specification
.cs-contact-btna.hmy-phone
.icon-wrpspan.hmy-phone__icon
.contant-wrpspan.hmy-phone__number
.hs-buttona.hmy-btn
.hs-sec-btna.hmy-btn.hmy-btn--secondary

Header · data contract

Every value that varies by market, with its type and where it is stored. Nothing in this table is computed at render time.

ValueTypeAustraliaNew Zealand
phone_e164Stored string+611300042766+64800427666
phone_displayStored string1300 042 7660800 427 666 (0800 HARMONEY)
emailStored string…@harmoney.com.au…@harmoney.co.nz
apply_urlStored URLsecure.harmoney.com.au/?iam_screen_hint=signupsecure.harmoney.co.nz/?iam_screen_hint=signup
signin_urlStored URLsecure.harmoney.com.au/?iam_screen_hint=signinsecure.harmoney.co.nz/?iam_screen_hint=signin
investor_hostStored URLinvestorhub.harmoney.com.auinvestorhub.harmoney.com.au
nav_modelStructured listMarket navigation treeMarket navigation tree
statutory_setReferenceAustralian block setNew Zealand block set
The investor host is deliberately the same for both markets. One listed parent, one investor hub. The New Zealand site linking to the .com.au host is correct and must not be "fixed" to .co.nz. All four investor links open in a new tab with rel="noopener".
The dialled value is stored, never derived. The link is the scheme plus phone_e164 exactly as stored. Prepending the country code to the displayed digits gives the right answer in Australia and a New Zealand number carrying a trunk zero. Stripping the leading digit first gives the right answer in New Zealand and turns the Australian number into a valid Australian fixed line. Both wrong forms parse. Neither throws. Storing the value is what makes the mismatch impossible rather than merely corrected, and it reduces the check to one assertion: the link equals the stored value, and its country code equals the market's.

Header · behaviour

BehaviourRule
Navigation swapBelow 880px the panel carries every link and the inline navigation is hidden. From 880px the inline navigation shows and the panel drops the links that are now inline, keeping any the bar does not carry. The panel never repeats what the bar shows, and never becomes the only place an item is missing from - collapsing the whole group instead, which is what it used to do, strands a not-inline item with no route to it at any wide width.
Pointer targetsEvery control in the bar answers to at least 44px in both directions. Where a control is drawn smaller - the contact icon is 24px - the target is an overlay centred on it, not padding: padding would widen the bar, and at the narrow width the bar has 8px spare, so buying the target in layout would push the header to two rows. Each overlay stays inside the 12px separating the controls, so no two targets overlap.
Contact numberSuppressed in the bar below 560px, shown from 560px, and always the digits. Always shown in the panel and the footer.
Actions at narrow widthsBoth calls to action stay reachable without opening the menu. The primary keeps its label; the secondary becomes its glyph. Hiding both - which is what happens if each is required to carry words at every width - puts the two things a visitor most often arrives to do behind a menu they have to discover first.
Disclosure openEnter, Space or click on the trigger. aria-expanded becomes true and the panel shows.
Disclosure closeThe trigger again, Escape, a click outside, or opening another disclosure. Only one is open at a time.
Focus on closeEscape returns focus to the trigger. Closing by clicking away does not move focus.
ChevronRotates 180 degrees on the brand ease while open. Stilled under reduced motion.
Panel positionFrom 880px the disclosure panel floats over the page. Below it, the panel is in flow and pushes the stacked links down.

Header · accessibility

RequirementRule
LandmarkThe root is <header>, giving the banner landmark. The navigation is a <nav> with an accessible name.
Brand mark nameThe accessible name sits on the anchor (aria-label="Harmoney home") and both marks are aria-hidden. Both are present in the markup at every width and the breakpoint hides one, so naming the marks instead would announce the brand twice at one width and describe a hidden element at the other.
Contact nameThe icon is aria-hidden, so the accessible name comes from the number text. The control must never be an icon with no text and no label.
Disclosure patternA button with aria-expanded and aria-controls, controlling a list of links. Not role="menu" or role="menuitem" - that is the application-menu pattern and this is site navigation.
State truthfulnessaria-expanded reflects the actual state at all times. A value that never changes is worse than no value: it tells assistive technology something false.
Trigger elementA disclosure trigger with no destination is a <button>. Never an anchor with an inert or scripted href.
Focus orderBrand mark, navigation links in order, disclosure trigger, its links when open, contact control, primary action, secondary action, menu button.
Focus visibilityEvery interactive part shows a visible focus indicator. Focus is never removed without replacement.
One link per destinationTwo adjacent links to the same destination are a duplicate tab stop and are announced twice.

Header · implementation

TargetWhat it needs
Content management systemThe header contact is already a structured link field, so it needs repopulating rather than rebuilding. The template prefixes the telephone scheme only when the field's type is the phone type; an empty phone-typed field would still render the scheme. A header rendering no scheme at all therefore indicates the field's type has changed, not merely its value - which points the fix at the field rather than the template. The navigation module must emit a button trigger, not an inert anchor.
WorkerReads the market content set and emits the tree above. The stored dialled value is used as-is. Add the stored fields to the market content files under the entity contact block; that is a signed-content change and belongs in its own release.
BothThe check is mechanical once the value is stored: the link equals the stored value and its country code equals the market's. It cannot be checked at all while the number lives only as display text.
Brand marksEmit the two marks as a sprite once per page - a hidden <svg> holding a <symbol> per mark - then reference them with <use>. The header carries both and lets the breakpoint choose; the footer carries the primary mark only. Both marks appearing in the markup is a build assertion in the worker, not a convention, because a breakpoint-swapped mark is easy to drop by accident and impossible to notice at the width you are testing.
Hero grid · eyebrow · lead · CTA pill (hover it)

Personal loans

Loans to start just about anything.

We are here to help you start now with personal loans, directly, discreetly, diligently.

3, 5 or 7 year loan terms
100% online
Offer tiles · with the canonical tile icons
Loan terms3, 5 or 7 years
Repayment frequencyWeekly, fortnightly, monthly
Early repayment feeNone
Rate typeFixed
Product cards (hover the border)
Form fields · term and band pills · frequency results
Loan term
Weeklyhero result
Fortnightlyoption
Monthlyoption
FAQ · disclosure list (added 15 July 2026) · first item shown open

Most applications are completed online in minutes, and most loans are funded within 24 hours.

Sample closed item - the answer reveals on the brand ease.

Question rows hover Choral Red; links inside answers are Blue 100; the chevron rotates on the implemented ease. FAQ copy itself is governed in the product data tier - the specimen questions above are illustrative sample copy only.

Reviews carousel · list-scroll application (added 15 July 2026)

The static review grid remains the default treatment; the carousel serves space-constrained surfaces. It advances one card per step on the implemented ease, dwells five seconds between automatic advances, and never auto-advances for visitors who prefer reduced motion.

Footer

The footer is a regulated disclosure surface, and that changes what this guide is allowed to say about it. What follows specifies structure, hierarchy, spacing and type. It does not specify wording, and no disclosure wording appears anywhere in this section.

Wording rule: the statutory strings are compiled from the signed content set and have exactly one home. Typing one into this guide would create a second, uncontrolled copy of regulated text, and the two copies would eventually disagree. Every piece of disclosure text in the specimen below is therefore obviously synthetic placeholder, and it is marked as such so that nobody can lift it into production believing it approved. The structure is real; the words are not.
Footer · Australian variant · five link columns · contact · trust-mark slot · statutory block · colophon
Trust-mark slot · emptyRendered empty on purpose. In production this slot collapses entirely when it holds no marks, taking its spacing with it - the footer must not depend on a mark being present. See the slot rules below.

Important information

Sample placeholder, not approved wording. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum. Structure: the entity and authorisation block. One paragraph, roughly 450 characters.

Sample placeholder, not approved wording. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Structure: the terms acceptance sentence, carrying one inline link. Roughly 140 characters.

  1. Sample placeholder, not approved wording. Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Structure: numbered disclosure 1, roughly 540 characters, the longest in the set.
  2. Sample placeholder, not approved wording. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Structure: numbered disclosure 2, roughly 370 characters.
  3. Sample placeholder, not approved wording. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore. Structure: numbered disclosure 3, roughly 510 characters. This is the block that carries the prominence-flagged sentence, and that sentence is a distinct element - see the note below.
  4. Sample placeholder, not approved wording. Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur. Structure: numbered disclosure 4, roughly 280 characters.

Sample placeholder, not approved wording. At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti. Structure: the worked example. Unnumbered, roughly 340 characters.

Sample placeholder, not approved wording. Et harum quidem rerum facilis est et expedita distinctio. Structure: the substantiation note for a claim made elsewhere on the page. Unnumbered, roughly 120 characters.

Five columns, not four - the Legal column is easy to miss when counting from a screenshot. At the compact width the columns stack; at 640px they run two across; from 880px, five. The columns do not collapse behind a control, so nothing in this footer claims a state it does not have.

Prominence rule: where a disclosure block contains a sentence the regulator requires to be prominent, that sentence is its own element with its own class - never an unstyled run of text inside a longer paragraph. Prominence that exists only in the wording is not prominence. Which sentences this applies to, and the wording itself, come from the signed content set.

Footer · structural contract

PartElement and classRequiredNotes
Root<footer class="hmy-site-footer">YesContent-info landmark. One per page.
Brand marka.hmy-logo.hmy-logo--footerYesThe primary mark at 28px, at every width - the footer does not swap variants. No --primary modifier, because there is nothing to switch it against.
Column grid.hmy-site-footer__colsYesOne column, then two from 640px, then five from 880px.
Columnnav.hmy-footer-colYes, fiveEach is a navigation region named by its own heading.
Column heading.hmy-footer-col__headingYesA heading element, never a link. Rendered here as a level-four heading so the specimen does not inject headings into this guide's outline; in production it is the level the page outline calls for.
Column listul.hmy-footer-col__listYesList of links. No inert entries.
Contact block.hmy-footer-contactYesHeading, email, contact control. Same control as the header.
Signposts.hmy-footer-signpostsMarketExternal guidance links. Present in New Zealand, absent in Australia.
Trust-mark slot.hmy-trust-marksYesAlways present in the tree. Collapses to nothing when empty.
Trust markfigure.hmy-trust-markZero or moreRepeats. A figure, not a bare image: a certification that cannot state who certified what, and over which period, is not presentable. The image and its attribution are one unit.
Trust-mark artwork.hmy-trust-mark imgYesNeeds a real alternative text, and carries the same measured optical factor the award marks use - see the award-mark section below. A flat height would size the box rather than the badge.
Trust-mark attribution.hmy-trust-mark figcaptionYesNames the certifying body and the period. Distinct in purpose from an award sub-line, which is a marketing line; this one is attribution.
Statutory block.hmy-disclaimersYesOne container, in document order, in one column. Never split across columns.
Disclosurep.hmy-disclaimerYesUnnumbered block.
Numbered disclosuresol.hmy-footnotes > li.hmy-footnoteMarketA real ordered list with real identifiers, so in-page markers can anchor to them.
Colophon.hmy-footer-colophonYesLast node in the footer. Always.
Link sourcefooter catalogueYesEvery column, heading and link comes from the footer catalogue. Renderers consume it; they do not invent links. Each entry additionally declares where it resolves - a page this system renders, an approved external host, or a page proxied from the existing estate - and an automated check fails the build on anything that resolves nowhere. That check exists because an unmatched path is not a visible failure here: it is proxied to the existing site, which answers its own not-found page with a success status, so a broken footer link looks exactly like a working one.

Three structural rules that the live estate breaks, stated positively. Column headings are headings, not links with an inert destination. Numbered disclosures are an ordered list, not numbers typed into prose - typed numbering is how a sequence ends up running one to four with two further substantive blocks sitting outside it. Vertical rhythm is spacing, not empty paragraphs.

Footer · market variant

One component, two variants. They differ because the obligations differ, not because the design does. Flattening them into one component with swapped strings is the obvious move and it is the wrong one.

PartAustraliaNew Zealand
Link columnsFiveFive
Statutory block setAustralian setNew Zealand set
Numbered disclosuresPresentPresent, and a different set. Corrected 2026-07-30: this row previously said absent. The signed content set carries numbered disclosures for both markets - seven for Australia, four for New Zealand - and the existing New Zealand estate renders them too. What is genuinely Australia-only is the next row.
Rate-comparison disclosuresPresentAbsent - and the absence is deliberate. The New Zealand regime imposes no equivalent mandate. Do not add them for symmetry.
Authorisation statementNames the Australian regulator and licencesNames the New Zealand register
External guidance signpostsNonePresent, in their own region with their own heading rather than as a sixth column - these are routes out to independent help, not company pages, and a reader scanning the columns should not have to work out which of them leaves the site. Treated as market-specific, not as an inconsistency to flatten. Australia renders no block at all rather than an empty one.
Link columns, contentsIdentical. Not an aspiration - the catalogue holds one shared, root-relative entry per link and needs no market exception in any column. That is possible because this system defines its own routes; the existing estate's divergence, where the same page is reached at a different address in each market and one market is not even consistent with itself, is inherited inconsistency rather than jurisdiction. The obligations differ; the information architecture does not.
Investor destinationOne listed parent, one investor hub, so both markets point at the same Australian host. This is deliberate and recorded in the register. It reads as a defect to anyone checking, which is why it is written down here.
Contact valuesAustralian stored valuesNew Zealand stored values
Trust-mark slotSame slot, same rulesSame slot, same rules

Footer · trust-mark slot rules

RuleValue
PlacementAfter the contact block, before the statutory block.
CapacityZero, one or several. The footer must render correctly at each.
Empty stateCollapses entirely, spacing included. A footer that only looks right with a mark present has a dependency on an entitlement.
Maximum height48px, and it is a nominal - the height the badge reads at, not the height of its box. Each mark's measured optical factor is applied to it, exactly as for the award marks below, because equal box height is not equal badge size. Width is whatever the mark's own proportions give.
Clear spaceOne 24px step on every side, and between marks.
Alternative textDescribes what the mark certifies. Never the file name.
DimensionsBoth width and height declared, matching the mark's own proportions, so the footer does not shift as it loads.
Served sizeSized for the slot. A footer mark does not need a source measured in thousands of pixels, and must not declare that it occupies the full viewport width.
AttributionWhether a mark must name its certifying body, and whether it may link out, is an open item - see section 14.
EntitlementNo mark enters this slot until entitlement is confirmed and recorded in the marks register.
Open: the slot is specified and the footer is built around it. The security-compliance mark shown on the live estate is now carried in the register as displayed, on instruction, and it renders - but it is not cleared. Three pieces of evidence are outstanding: the mark is unverified, it cites no source, and no examination period is recorded. The third is the one that matters to a reader: an award is a fact about a past moment that stays true, whereas a certification is an opinion with an expiry, and one displayed without dates reads as current assurance. The badge artwork carries no date at all, which is why the alternative text states the attested start and says in terms that the end is not recorded. The gap is registered with a named owner and a due date rather than left silent. Section 14 carries the entitlement question and who closes it.

Footer · behaviour, accessibility and implementation

AreaRule
ReflowOne column, two from 640px, five from 880px. Reading order follows document order at every width: nothing is visually reordered past anything else.
CollapseThe columns do not collapse. If collapse is ever adopted, the heading gains a nested button carrying the state - and the state must then actually change.
LandmarksThe root is <footer>. Each column is a <nav> named by its own heading.
Heading semanticsColumn headings are heading elements at the level the page outline calls for. A heading is not a link, and a link with an inert destination is not a heading.
Disclosure anchoringNumbered disclosures carry identifiers so in-page markers elsewhere on the page can link to them.
ContrastStatutory text is Harmoney Black on white and never drops below the canon minimum. It is the smallest type on the page and the most consequential.
Content management systemThe footer is currently one unstructured rich-text field, which is why the displayed value and the destination can disagree and why legacy markup survives inside it. It needs structure introduced: separate fields for the contact values, a repeatable field for the trust marks, and a repeatable field for the disclosure blocks. This is the difference from the header, which already has structure and merely needs it repopulated.
WorkerReads the market content set and emits the tree above, selecting the market's statutory block set by reference. The disclosure wording is never inlined in the template.
Footer rule: the footer is Choral Red or White - never grey. Text on a red footer is always white. Because the footer carries statutory text at small sizes, the white footer with Harmoney Black text is the deployed treatment; a Choral Red band remains permitted for non-statutory content.

Award marks

A row of third-party award badges, presented on a homepage. This is a different component from the footer trust-mark slot above, in a different place, under a different register entry, and the two must not be merged. An award is a competitive result from a named body in a named year; a certification is a standing statement about the business. Flattening them into one "trust bar" loses the distinction that makes either of them checkable.

Every rule below is data before it is design. Which marks appear, in what order, with what words beside them and what words behind them, is decided in the awards register and rendered from it. Nothing on this page is a place to make an editorial choice about an award.

Artwork rule: a third-party mark is never redrawn, recoloured, reproportioned or lettered. The supplied file is normalised - identifiers scoped, fixed dimensions dropped, accessible metadata added - and the drawing itself is untouched. This is what makes the sizing rule below necessary rather than optional: if the artwork cannot be adjusted to sit consistently, the presentation has to do it instead.
Award marks · homepage · both markets · rendered by the production classes at the production container width

AU

Awards & recognition

Finder 2026 — Best Car Loan - Used Cars. Outcome: winner.
Finder 2025 — Lending Innovation Award. Outcome: winner.
WeMoney 2024 — Best for Excellent Credit - Personal Loans. Outcome: winner.

NZ

Awards & recognition

Canstar 2025 — Outstanding Value - Personal Loan. Outcome: winner.
Canstar's most awarded Personal Loan (Ever!)
Canstar 2025 — Outstanding Value - Car Loan. Outcome: winner.
The New Zealand sub-line is an asserted claimIt is shown here because the rule has to be legible against the case that produced it, not against an invented one. The register does not substantiate those words and records that it does not; they were supplied by the business, they carry a named approver and a dated instruction, and they are recorded as a live uncleared display with an owner and a date. See the sub-line rules below.

The marks are real, and read from the register at build time rather than copied here, so a stale badge cannot make this specimen demonstrate the defect it exists to correct. They are shown at the mobile nominal height; at 640px and again at 880px the nominal steps up, and every badge steps with it.

Award marks · structural contract

PartElement and classRequiredNotes
Root<section class="hmy-awards">YesA section, not a bare div. The block is a labelled region an assistant can cite when asked what the business has won.
Heading.hmy-awards__headingYesVisible, not an aria-label. It matches the wording both live awards pages use.
Row.hmy-award-marksYesFlex, wrapping. Renders nothing when the register supplies nothing - the section is absent, not empty.
Markfigure.hmy-award-markOne or moreA figure, because the mark and its caption are one unit. Repeats.
Artwork.hmy-award-mark imgYesAn <img> pointing at the registered vector. Never inline <svg> on a page carrying more than one mark unless identifiers are scoped.
Dimensionswidth / heightYesThe artwork's own intrinsic values, so the browser reserves the correct aspect ratio and the row does not jolt as it loads. Not the rendered size.
Optical factorstyle="--optical:n"YesPer mark, measured, set inline because it is a property of that artwork. Defaults to 1 if absent.
Claim.hmy-award-mark figcaptionYesEvery mark states its claim in text beside the badge. Not a fallback for artwork that is too small - the marks are sized to be legible - but because a third-party badge should not be the only thing on the page asserting what was won. The register's description is the substantiated form of the claim; the artwork is a decoration that happens to agree with it.
Caption line.hmy-award-mark__lineOne or moreEach part of the caption is its own line: the register's description, then any qualifier, then any sub-line. Run together they read as a single sentence, which folds an asserted marketing claim into a substantiated description and gives two different kinds of statement one voice. The break is the join, made visible.
Alternative textaltYesMust state the outcome. Derived from the register, never hand-typed.

The alt requirement is the one that looks redundant and is not. Every supplied mark has its text converted to outlines, so there is no readable word anywhere in the artwork: a sighted reader infers "WINNER" from the badge and a non-visual reader gets nothing. The marks do carry <title> and <desc>, generated from the register - but a browser does not expose an SVG's internal metadata when the file is loaded through <img src>. The host page's alt is the only thing announced. Both are carried; only one of them is reaching the page.

Award marks · optical normalisation

Marks are normalised on the badge, not on the box. Equal CSS height is not equal optical size. Each awarding body's artwork fills its own viewBox by a different amount, so a row set to one height renders badges at visibly different sizes - and the eye reads that as one badge being wrong, not as a rule being absent.

RuleValue
MethodRender the mark at a fixed height, take the vertical span of rows whose alpha exceeds the solid threshold, and divide by the render height. That fraction is the proportion of the box the badge proper occupies. The threshold excludes soft shadow falloff, which is the whole reason it is a threshold and not simply any non-transparent pixel.
FactorThe reciprocal of that fraction. Applied as height: calc(nominal * var(--optical, 1)), so the badge - not the box - lands on the nominal.
ProvenanceMeasured and stored alongside the measurements behind it. Never hand-typed. A hand-typed factor looks exactly like a measured one and is the failure this rule cannot otherwise detect.
Nominal height64px, 96px from 640px, 112px from 880px. Nominal, not rendered: the rendered box is the nominal times that mark's factor.
Gap16px, 24px from 640px, 32px from 880px.
WidthAlways automatic. The artwork's aspect ratio is preserved without exception - one of the marks in use is not square.
Caption measure132px, 168px from 640px, applied to the caption and never to the figure. On the figure it caps the badge as well, and a badge wider than its column overflows its own figure.
Drop shadowsLeft exactly as supplied. Stripping one would alter a third party's artwork, which is forbidden. Normalising on the badge means the shadow extends into the gap instead of being counted as part of the mark. Whether a supplied shadow may ever be removed is a question for the awarding body, not an internal decision - see section 14.
LegibilityA mark is never rendered below the size at which its own artwork can be read. That size is measured per mark and recorded in the register, because it is a property of the artwork and not of the design: what decides it is where an awarding body put the load-bearing words. One body puts the outcome and the year in the large centre, where they survive; another puts only its brand there and sets the award name, the category and the year as curved text around the rim, where they do not. At the narrow width the second kind was rendering as a recognisable brand above an illegible smudge - which is worse than showing nothing, because it carries the authority of a badge without any of its content.
Why not a readability factorA per-mark size multiplier was considered for this and rejected. It would scale dense marks up, undoing precisely the consistency the optical factor exists to create, and the two would then have to be adjudicated against each other on every mark. The measured evidence also does not support it: stroke thinness ranks marks reliably but converts to an absolute minimum size badly, and the property that actually governs legibility is compositional rather than continuous.
Row capacityBounded by width, not by preference, and the layout yields before the mark does. Optical scaling widens the boxes, so at the narrow width a row of captioned marks cannot hold three - it needs 428px of the 327px available. The row therefore becomes a stack below the compact breakpoint, each badge paired with its own claim, and the nominal height is then set by the widest single mark rather than by their sum. That is what allows the mark to be legible at all; holding the row would have meant holding the marks small.
Nominal heightComputed per market from what that market's layout can hold, not chosen. A single hand-picked number is a number chosen for the most constrained market and then inflicted on the others - which is how one market's marks came to be sized by another market's mark count.

This rule is invisible in review - a number in a data file and a calc() in a stylesheet, either of which reads as clutter to anyone who does not know why it is there. It is therefore held by an automated check rather than by this page: the check recomputes the geometry from the stylesheet and the register and fails on a factor that is not the measured reciprocal, on a nominal height that has lost its calc(), on a badge whose factor never reaches the markup, and on a row that no longer fits the narrow width.

Award marks · alignment

Flush left, per the setting rules in section 5. That rule needs one addition here, because on its own it is not sufficient to produce a flush-left row.

RuleValue
Reference edgeThe first badge's own left edge sits on the text column - not the edge of the column that contains it. A figure centred within its own caption column satisfies every alignment check that inspects text, while the badge sits inset from the heading above it by half the difference between the badge and the column. That is a visible break in the flush-left edge, and it is what a rule saying only "flush left" permits.
HeadingShares that same edge.
Sub-lineShares that same edge, under its badge. Not centred in its column. The constrained-space exception in section 5 was considered for the caption column and rejected: an exception that produces a ragged left edge across a row defeats the rule it is an exception to.
DistributionMarks pack from the left at a fixed gap. The row is not justified across the available width - with two marks that puts a phone's width between them, which reads as breakage rather than as balance.
Alignment within the rowTops align. Badges of equal optical height align on any edge; badges of unequal aspect ratio do not, and the top is the edge the heading establishes.

Award marks · sub-line rules

A sub-line is the optional line beneath a mark. It is the only string in this component the register does not necessarily author, which is exactly why it needs a rule: it is the place a claim can enter the page without passing anything.

RuleValue
ProvenanceEvery sub-line is either derived or asserted, and which one is recorded, not inferred. Derived means generated from register evidence and re-checked against it, so it cannot drift. Asserted means supplied by the business and passed through untouched.
DerivedRebuilt from the register and compared on every validation run. A sub-line that no longer regenerates is a failure, not a warning.
AssertedPermitted. It must name the role that approved it and cite a dated instruction record that exists. An asserted claim with no recorded instruction has no provenance at all - only an author nobody can name.
UnsubstantiatedAn asserted sub-line the register's evidence does not support is additionally recorded as a live uncleared display, with an owner and a due date. It is not hidden and it is not forbidden.
WordingRendered verbatim. Presentation does not paraphrase, expand or tidy a claim string: at this length "won", "ranked", "recognised", "named" and "awarded" are five different assertions about the same fact, and only some of them are true.
Relationship to the qualifierDifferent fields, different jobs. A qualifier corrects what the artwork overstates and is mandatory whenever the outcome is not a win. A sub-line adds words nobody is obliged to add. Where both are present the qualifier is rendered first, because a correction that follows an embellishment has already been read too late.
Accessible nameA sub-line never substitutes for the alternative text. The outcome reaches the accessibility tree through alt whether or not a sub-line exists.

The rule permits the unsubstantiated case deliberately. A rule that forbade it would have been breached on the day it was written and then ignored, and an ignored rule pushes the claim somewhere no check looks - which is what had already happened. Permitting it, and requiring it to carry its provenance, is what keeps it visible.

Award marks · market variant

PartAustraliaNew Zealand
Marks featuredThreeTwo
OrderingBy the register's explicit rank, ascending. Explicit rather than array order, because array order is not stable across a re-sign. Policy: outcome strength, then recency - a non-winner never takes first place.
Sub-linesNoneOne, asserted. Not a design difference. The marks each market has won differ, and so does what the business has chosen to say beside them.
Aspect ratiosSquareNot square. The Canstar lockup is taller than it is wide, which is why width is never declared in the stylesheet.
HeadingIdentical. The component is one component.
Open: the register that governs this component is still in draft with no approver recorded, so nothing on this page is approved for display by anyone but the business. Four questions are unresolved and carry named owners in section 14: who approves an asserted sub-line; whether a supplied drop shadow may ever be removed; whether marks belong on product pages as well as homepages; and what the maximum mark count is once a fourth is proposed.
08 · ICONOGRAPHY

Five families on a 40px grid

Defined by Alt Group, May 2021 · systematised 2026

All icons are built on a 40px grid with four key shapes for flexibility and family cohesion. Contents visually align - not metric centre - inside an internal circle guide.

Two registers coexist by design. The expressive register composes Harmoney Black line-art (2.4 / 1.6px strokes) with the red dot-and-trail language - points and trails as main elements, a maximum of two point sizes per composition, tints of Choral Red with a supporting grey only. The functional register (offer tiles, interface icons) stays plainer: line-art with red accents, no narrative trail work.

Product benefits · 11 icons · expressive register

AI Powered
Combine into one
Early repayments
Easier to manage
Loan term
More in your pocket
No quotes necessary
100% online
Ready in 24 hours
Security
2k to 70k

Loan needs · 11 icons · expressive register

Car loan
Quick cash when you need it
Dental loans
Simple application process
Electric vehicle financing
Get money fast
Find a low rate
Apply from home
Repay sooner
Borrow a smaller amount
Tiny home

Loan purposes · 18 icons · monochrome line-art register

Boat
Growing my business
Caravan
Computer
Consolidating my debt
Education
Loan to family member
Funeral
Going on holiday
Improving my home
Household items
Legal fees
Medical
Buying a new vehicle
Something else
Tax bill
Buying a used vehicle
Wedding

Offer tiles · 13 icons · functional register

Comparison rate (secured)
Comparison rate (unsecured)
Early repayment fee
Establishment fee
Lightning FAST funding
Interest rate (secured)
Interest rate (unsecured)
Loan amount
Loan terms
Loan type
Marketing CTA
Rate type
Repayment frequency

Interface icons · 25 icons · stroke inherits text colour

Application
Arrow down
Arrow left
Arrow right
Arrow up
Check box
Chevron circle down
Chevron circle left
Chevron circle right
Chevron circle up
Chevron down
Chevron left
Chevron right
Chevron up
Contact us
Correct indicator
Dashboard
Download
Help Centre
Menu
Phone
Plus
Search
Sign in
Sign out

Colour states

Interface icon strokes inherit the text colour: Harmoney Black at rest, Blue 100 on interactive elements, Choral Red on active states.

rest · Harmoney Black
interactive · Blue 100
active · Choral Red

Sizes and stroke weights

Stroke weight steps with icon size so small icons hold their weight: 1.6px at 16, 2.0px at 24, 2.2px at 32, 2.4px at 40. Corners round at 8px; terminals are rounded.

16px · 1.6px stroke
24px · 2px stroke
32px · 2.2px stroke
40px · 2.4px stroke
Show the complete sized sets (25 icons at each of 16, 24 and 32)

16px set · 1.6px stroke

Application
Arrow down
Arrow left
Arrow right
Arrow up
Check box
Chevron circle down
Chevron circle left
Chevron circle right
Chevron circle up
Chevron down
Chevron left
Chevron right
Chevron up
Contact us
Correct indicator
Dashboard
Download
Help Centre
Menu
Phone
Plus
Search
Sign in
Sign out

24px set · 2.0px stroke

Application
Arrow down
Arrow left
Arrow right
Arrow up
Check box
Chevron circle down
Chevron circle left
Chevron circle right
Chevron circle up
Chevron down
Chevron left
Chevron right
Chevron up
Contact us
Correct indicator
Dashboard
Download
Help Centre
Menu
Phone
Plus
Search
Sign in
Sign out

32px set · 2.2px stroke

Application
Arrow down
Arrow left
Arrow right
Arrow up
Check box
Chevron circle down
Chevron circle left
Chevron circle right
Chevron circle up
Chevron down
Chevron left
Chevron right
Chevron up
Contact us
Correct indicator
Dashboard
Download
Help Centre
Menu
Phone
Plus
Search
Sign in
Sign out

How the families map

FamilyRegisterLinked to
Product benefitsExpressive - dot and trailBrand-only set
Loan needsExpressive - dot and trailThe 11 loan-need entries in the product data
Loan purposesMonochrome black line-artThe 18 loan-purpose entries in the product data
Offer tilesFunctional - line-art with red accentsThe 13 offer-tile definitions in the product data
InterfaceFunctional - inherits text colourBrand-only set, plus sized variants at 16, 24 and 32

File names are stable identifiers; the product data owns the ids and display labels.

Open design decision, flagged for the designer session: "Do need pages carry their own icon, or inherit the icon of the purpose they point to?"
09 · MOTION

Making things real for real people

Defined by Alt Group, May 2021 · systematised 2026

Everything moves as if in the physical world - with acceleration and momentum. Nothing moves without force, and nothing moves linearly.

Your system prefers reduced motion, so every demonstration on this page is stilled at its resting state.

The Harmoney ease

Ease in hard, ease out soft: maximum force at departure (outgoing velocity 100%), controlled landing (incoming velocity 50%). The curve applies to position, scale, rotation and opacity alike. Never linear; never the default ease.

time value Harmoney ease ease in/out linear
PropertyValue
Easing curve (as implemented)cubic-bezier(0.99, 0, 0.58, 1)
Base duration600ms
Micro-interactions (hover states)150ms linear - the one exception
Emphasis (bounce) duration1000ms - carried from the earlier stylesheet vocabulary; not yet a token (see section 14)
Count-up (number counter)2000ms - starts on first view, tabular numerals, renders the final value instantly under reduced motion (defined 15 July 2026)

The May 2021 documentation records the curve as cubic-bezier(1, 0, 0.5, 1); the interactive brand demonstrations implement cubic-bezier(0.99, 0, 0.58, 1), and the brand definition directs that the implemented curve governs. Every animation on this page runs on it.

The five principles

Overshoot. On arrival, overshoot the resting position and settle back with 1-2 bounces, decaying in time and force. Emphasis only - use selectively.
Momentum. Type and elements travel into position with motion energy; traces show recent positions.
Dimension. Gradients, drop shadows and speed tails create depth and material layering.
Motion blur. Documented as a foundational principle; not applied in production output.
Squash and stretch. Subtle elastic deformation on bounce frames - never cartoon-like.

The six core behaviours - live

Each demonstration below is driven by the motion tokens themselves. Replay any of them.

01 · Rise Up (Start)

Overshoot ground, bounce back. Never drop from the top.

02 · Taking a First Step (Action)

Dot expands left to right. Used for buttons.

03 · Circular Motion (Progress)

Always clockwise. Slows at the apex, speeds downward.

04 · Ripple Out (Grow)

Concentric circles expanding. Never contract.

05 · Flying About (Explore)

Multiple dots on random curved paths. Never straight lines.

06 · Consolidate (Harmony)

Dots merge, centre grows. Only for loan consolidation.

Building blocks - a selection, live

START HERE

Buttons

Button motifs follow the logo animation - looping arrow call to action, transitioning to a loader state in the funnel.

Startthe renovations.the road trip.the start-up.

Start statement

The "Start [aspiration]" headline animates in - single or multi-line, horizontal or vertical.

$0knumber counter · personal loans amount

Number counter

Animates a number from zero to a target. Dollar amounts, percentages, scores. This one runs on the exact production easing table.

The full kit also carries shifting type, list scroll (generic and specific), the typing paragraph, the shifting container (one per banner, always left-to-right or bottom-to-top, corner radius half the shortest side) and image parallax (2.5 percent scale per second).

Bespoke animations

Above the building blocks sit four bespoke dot-metaphor compositions, each expressing a key brand idea. Reference stills from the canonical demonstrations:

Start Now - a single dot launches with a long gradient trail

Start Now bespoke animation, early frame Start Now bespoke animation, middle frame Start Now bespoke animation, late frame

Start Fresh - multiple dots converge and merge into one

Start Fresh bespoke animation, early frame Start Fresh bespoke animation, middle frame Start Fresh bespoke animation, late frame

Intelligent Review - a single dot tracked up close, "Processing securely"

Intelligent Review bespoke animation, early frame Intelligent Review bespoke animation, middle frame Intelligent Review bespoke animation, late frame

Congratulations - dots resolve into the hidden Harmoney smile

Congratulations bespoke animation, early frame Congratulations bespoke animation, middle frame Congratulations bespoke animation, late frame
Congratulations is internal-funnel only - a moment of surprise and delight at the end of the application, never outward-facing. The same rule covers the smiling-H logo variant it references.

Deciding what to animate

1What am I trying to communicate or illustrate?
2Can building blocks do it, or do I need a bespoke animation?
3What is the best motion behaviour for this?
4What principles do I need to apply?
10 · VOICE AND TONE

Write for humans, not robots

Defined by Alt Group, May 2021 · systematised 2026 · first client-facing rendering of the voice rules

"The way we speak is vital to building trust and humanising money. We write for humans, not robots, so if we make sure we do not sound like we have come out of the matrix, or like a salesman spouting jargon, we should be just about right."

The guiding principle is empathy: connect writing to human experiences and questions, not product features. Imagine talking to a friend. Voice customer aspirations; answer customer apprehensions.

The tonal scale

Voice runs on a continuum from aspirational to educational. Headlines and advertising sit at the aspirational end - supportive and encouraging, humbly presenting future possibilities rather than over-selling big dreams. Product copy sits at the educational end - knowledgeable, trustworthy, clear human language.

AdvertisingInternal commsWebsiteCorporate commsProduct
aspirationaleducational

The three language rules

Conversations, not clichés. Drop the slogans; talk the way people talk.
Enabling, not converting. Pose questions. Reframe benefits as future states.
Trusted, not "trust us". State facts that generate trust; point out trust signals rather than asking for belief.
AvoidPrefer
Faster Fairer LoansPersonal loans to start just about anything.
Personalised rates just for youA great rate analysed just for you.
Get a quick estimateWhat could your loan repayments be?
Get your money fastMost of our loans are funded in 24 hours.

For trust signals, render the live customer count through the counter pattern - "Trusted by over {{customer_counter.formatted}} customers." - rather than fixing a number into the copy.

The anchor verb: Start

"Start" is the structural spine of approved messaging - it leads headline-position copy and conjugates with an aspiration ("Start the renovations"), a product name ("Start Now loans") or an imperative close ("Start online now"). Supporting verbs: help, make, fix up, clean up, get stuck in.

Do not substitute. "Begin", "launch", "kick off" and "commence" need an explicit recorded reason. "Unlock", "unleash", "achieve" and "realise" are forbidden substitutes - wrong register entirely.

Lines that are not in the brand

The cheat-sheet

DoDo not
"To start fresh""Reset your finances"
"Make a start""Take the leap"
"Helping people""Empowering customers"
"Friendly, fair""Trusted, premier, leading"
"Simple""Streamlined, frictionless"
"100% online""Digital-first experience"
"Choose from 3, 5 or 7 year terms""Flexible terms tailored to you"
"What's your number?""Calculate your savings instantly"
"A great rate analysed just for you""Personalised rates just for you"
Sentence caseTitle Case headlines
Infinitive verbs ("To start, to fix")Imperative commands ("Start now!")
Three concrete examplesSingle abstract benefit
Founder/CEO in 1st-person pluralSingle hero-CEO quote

Long copy - the gold standard

Long copy spends most of its words describing the customer's situation, then resolves to a fresh-start payoff. Open with a verb of intent in the infinitive - "To get", "To settle" - never an imperative command. Concrete beats abstract. The product name is a payoff, not a hook, and the fine print is straight-up rate disclosure.

Billboard — personal loans · Alt Group board deck, May 2021
To get the 'to-do list' done and dusted and that other stuff that's been bugging you for ages, you can start that thing you've always wanted.

Start Up Loans up to [...] with rates from [...]%.

Billboard — consolidation · Alt Group board deck, May 2021
To settle all of the things that are weighing you down and adding to that growing anxiety so you can finally take a breath and start fresh.

Start Fresh Loans up to $70k with rates from 6.99%.

The supporting line beneath any "Start" anchor headline: "We are here to help you start now with personal loans, directly, discreetly, diligently. No middle men, no judgements, just clever use of smart technology to make fairer, faster decisions about your loan."

Regional distinctives

AustraliaNew Zealand
PositionPurpose-led brand voice. 100% online. Mission-anchored.Conversational rate-anchor. Seasonal urgency hook. More direct.
VocabularyStart fresh · Start something new · Make a start · 100% online · Debt consolidationGet stuck in · Get stuff done · Got big plans · Summer · Kiwi
Products in copyStart Now loans (growth) · Start Fresh loans (consolidation)Personal loan (generic) · Start Fresh loans (consolidation)
Rate anchorOptional - product-feature messaging onlyRequired when feasible
StructureOpens with purpose, closes with capabilityOpens with a rhetorical question, closes with rate and web address

Radio - approved verbatim scripts

Broadcast scripts are approved verbatim and combine established building blocks; new framings are not invented at the microphone. Contractions are permitted in approved broadcast scripts only - they are quoted here exactly.

AU Start Fresh / Start Something New (Product Focus) · approved verbatim broadcast script
If you are looking for a loan for debt consolidation to start fresh or a personal loan to start something new, Harmoney can help! Choose from 3, 5 or 7 year loan terms and flexible payment plans that suit you. Start online now. Harmoney.com.au
NZ Stuck In (15s) · 15s · approved verbatim broadcast script
Got big plans this summer? Well, get stuck in! With the help of an unsecured personal loan from Harmoney, interest rates start from 6.99% per annum. So quick! Get your quote in minutes at harmoney.co.nz. Lending criteria, fees, terms and conditions apply.
11 · PHOTOGRAPHY

Equal, authentic, fair, truthful

Rules defined by Alt Group, May 2021 · production treatment by Derek Henderson, 2022 · systematised 2026

A diverse collection - in age and ethnicity - reflecting the wide loan customer base. Evenness is equality: even lighting, eye-level perspective, everything in focus.

The four principles

Depth of field: everything in crisp focus. Nothing to hide.
Lighting: even and front-directional. No harsh shadows, no bright spots.
Framing by era: to the waist (2021 library) · at the knees (2022 productions). Do not mix eras in one banner set.
Perspective: eye level, always. Never look down on or up at the subject.

Backgrounds

Grey and white - the primary treatment, especially for digital banners: light grey stands out from white ad placements.
Choral Red - sparingly, for attention to the face, in smaller areas or where type needs a darker ground.

Casting - the heritage brief

The 2022 production casting brief (heritage record): talent aged 20 to 50, friendly and relatable with a naturally optimistic disposition, across a deliberate diversity matrix.

EthnicitiesAboriginal · Middle Eastern · Indian · European (Australian) · Māori · Polynesian · Asian
Gender typesHe · She · They
DispositionLook friendly, relatable, with a naturally optimistic disposition

Wardrobe palette - the heritage brief

Everyday chic: solid colour blocks, no fine patterns, nothing that clashes with red or dark typography running over images.

Blush Grey Taupe Light grey White Black Denim Burgundy

Swatch chips are indicative, drawn from the brand palette; the wardrobe brief names garment colours, not screen values.

Generated imagery and likeness (added 17 July 2026)

Where imagery is produced with generative tools, the historical shoots inform the work at the level of style and compliance only - never identity. Talent releases for the past shoots covered photographic usage; they do not extend to likeness reuse in synthetic media.

Permitted: art-direction reference (lighting, framing, backgrounds, wardrobe palette, crop era) and compliance checking - scoring whether a generated image of a synthetic person matches these rules.
Prohibited: any generation seeded by an identifiable person from the shoots - training, conditioning, face swap, likeness transfer, or same-model-new-scene output - and any republication of a historical image beyond its original licence scope without a documented licence check.
Synthetic identities only: generated people must be verified as non-matching against the historical talent set before publication.
Provenance: every published generated image carries a provenance record - how it was made, when, and who checked it.
Asset library: next phase. The rules above are defined; the curated photography library is not yet populated. Building the library - selecting and licensing the approved imagery against these rules, with the likeness verification and provenance mechanisms - is a defined next phase and is listed in the register (section 14). No substitute stock imagery is shown in this guide.
12 · DATA VISUALISATION

Rounded, warm, honest numbers

Defined by Alt Group, May 2021 · systematised 2026

Chart types and when to use them

TypeUse
Bar graphComparing groups or tracking changes over time.
Stacked bar graphComparing groups with subdivisions.
Line graphChanges over time for multiple data sets.
Donut chartProportions of parts to a whole - two to four parts is ideal.
HighlightsProminent statistics as graphic devices.

Design rules

Rounded corners on all bars, donut charts and line ends. Rounded stroke ends - no pointed joins.
Dotted lines or rounded dashes as alternate line techniques.
Gradiated backgrounds run 0 to 100 - bottom to top, or left to right.
Drop shadows separate stacked graphs.
A single-colour graph is always the red gradient.
Multiple colours: darkest in front, lightest in back, transitioning through monochromatic spectrums.

A compliant example

Sample bar graph drawn to the rules: rounded bars, single-colour red gradient, mono axis labels, call-out with the inner shadow treatment. Sample values are illustrative.

Bar graph · red gradient · rounded corners
Q1 Q2 Q3 Q4 Q5 0 100 96 · high

Animating a graph

1Establish the axes - Y first, then X details.
2Introduce content - stagger on, layering behind the previous element.
3Interpret the data - statistics appear after the graph is fully drawn, left to right in chronological order.
13 · DIGITAL ADVERTISING

Format-conditional rules

Defined by Alt Group, May 2021 · systematised 2026

Four priorities in every ad: the Harmoney logo, Choral Red, the headline message, and the call to action. Maximise space, minimise clutter.

Universal rules

12px margin; grids of 4 columns, 4 rows, or both.
No text hyphenations. Never put text over faces.
At most one curve container per banner.
Motion structure: frame one carries the key message (with photography where possible); the end frame carries logo and call to action.
Call-to-action button never sits adjacent to the logo - opposite ends.
Terms at the smallest legible size, high contrast, at the bottom or with the call to action.

The curve element

The curve is the default compositional device, integrated into the background or composition where space permits. Omission is permitted - with the reason recorded against the asset - where the format makes the curve create unusable space: 200x200 and smaller squares, the 468x60 banner, and skyscraper variants where the curve would crop the protagonist or the copy.

Format constraints

FormatCopy linesCharacter imageryCTA buttonCurve
200x2001forbiddenforbiddenforbidden
250x2501forbiddenoptionalforbidden
300x2501optionalrequiredforbidden
336x2801optionalrequiredforbidden
300x6002preferredrequiredoptional
160x6002preferredrequiredoptional
120x6002optionalrequiredoptional
970x901optionalrequiredoptional
728x901optionalrequiredoptional
468x601forbiddenforbiddenforbidden

Canonical copy

Default call to action (AU)START HERE
Terms strapline (AU)Subject to approval and funding. T&Cs Apply. Australian Credit Licence No. 474726

Replace the licence number if it changes; do not alter the structure of the strapline.

Construction, by orientation

Vertical. Headline on the quarter line; type never overlaps the subject's head; curved container for the person; subject eyeline above halfway; button and terms locked to the bottom.
Square. Logo in the top-left quadrant; headline x-height on the vertical halfway; subject centred in the right half; terms on the maximum-contrast background; all spacing in factors of four.
Horizontal. Logo centred in the first column; headline starts at the second column; call to action right-aligned with the terms.

This section is deliberately brief: the advertising channels are operated directly by marketing leadership, and the full three-variant copy library sits in the brand definition for campaign use.

14 · SIGN-OFF REGISTER AND OPEN ITEMS

What approval covers

Approving a section approves the rules it renders - the same rules the website is built from. The brand definition behind this guide is at version 2026-07-20.1+0 and is awaiting its first formal approval; this register is the instrument that grants it.

Register

SectionDomainApproving role(s)DateInitials
2 · Brand foundationsIdentity, positioning, taglinesCMO
3 · LogoVisual identityCMO + Creative Director
4 · ColourVisual identityCMO + Creative Director
5 · TypographyVisual identityCMO + Creative Director
6 · Spacing and layoutVisual identityCMO + Creative Director
7 · ComponentsWebsiteCMO + Creative Director + CTO + CPO
7 · Components · HeaderWebsiteCMO + Creative Director + CTO + CPO
7 · Components · FooterWebsite + Legal · regulated disclosure surfaceCMO + Creative Director + CTO + CPO + General Counsel
7 · Components · Award marksWebsite + Legal · third-party claim surfaceCMO + Creative Director + CTO + CPO + General Counsel
8 · IconographyCreative-director domainCreative Director (with CMO)
9 · MotionCreative-director domainCreative Director
10 · Voice and toneVoice and messagingCMO + CPO · radio scripts additionally CRO
11 · PhotographyPhotography rulesCMO + Creative Director
12 · Data visualisationData visualisationCMO
13 · Digital advertisingDigital advertisingCMO + CPO

Where a role is not currently held by a named individual, it is exercised by the next most senior available authority.

The header and the footer carry their own rows because each is specified to be built twice and must come out the same. The footer row additionally names General Counsel: the footer is the surface that carries the authorisation statement and the mandated disclosures, and this guide governs their structure and prominence while the signed content set governs their wording. Approving the footer approves the former, not the latter.

The award-mark row names General Counsel for a different reason. Every element of that component is an assertion about a third party's decision, made in trade, in two jurisdictions with their own prohibitions on misleading conduct. Approving it approves the structure, the sizing and the alignment - never the truth of any individual claim, which is the marks register's job and is separately owned.

Open items

  1. Security-compliance trust mark - evidence. The mark displayed on both live sites is now carried in the marks register as displayed on instruction, and it renders. It is not cleared. Three items are outstanding: it is unverified, it cites no source, and no examination period is recorded. Three dates were requested and none has been supplied. The absence of an end date is the material one - a certification is an opinion with an expiry, and one shown without dates reads as current assurance about security controls, which is why the alternative text states the attested start and says the end is unrecorded. The gap is registered with an owner and a due date rather than carried silently, and closing it needs the attestation letter, the period end, and a citable source. Item owner: CMO + General Counsel.
  2. Featuring a mark before it is verified. The marks register's own governance rule is that nothing is marked cleared to display before it is verified, and that a live-but-uncleared display is recorded rather than promoted. The security-compliance mark is now a named exception to that rule, taken deliberately so the register states what actually ships. Whether the exception mechanism is the right long-term answer, or whether the rule should simply be enforced, is open. It matters because an exception that becomes routine is indistinguishable from no rule. Item owner: CMO + General Counsel.
  3. Trust-mark attribution rule. Whether a mark in the footer slot must name its certifying body, and whether it may link to that body, is unresolved. The live estate links out to the certifying body with no attribution in text. Settle it before the first mark ships. Item owner: CMO + General Counsel.
  4. Primary call-to-action label. The live header carries three calls to action, of which two resolve to the same destination. This guide resolves the hierarchy to two - one primary, one secondary - and specifies the primary as a single slot. Which label that slot carries is open, and it is a marketing decision rather than a structural one. Item owner: CMO + CPO.
  5. Contact control in the wide header. The operator's requirement is that the contact control is present on compact widths at minimum. The specimen shows it at both, since the Australian site shows it at both today. Whether the wide header keeps it, or yields the space to the calls to action, is open. Item owner: CMO + CPO.
  6. Content-management class names during transition. This specification renames the live contact-control classes rather than carrying them, and records the mapping (section 7). Whether the existing class names are retained in parallel for stylesheet compatibility while the template is updated, or dropped at the cutover, is an implementation decision still open. Item owner: CTO.
  7. Investor hub host, permanence. Both markets link to the same investor host, which is correct for one listed parent with one investor hub, and is specified as such. Whether it will ever become market-specific is open; if it does, it is a data change and not a component change. Item owner: CTO + Company Secretary.
  8. New Zealand external guidance signposts. The New Zealand footer carries links to external financial-guidance services; the Australian footer carries no equivalent. The component treats these as market-specific and does not flatten them. Whether their placement is required under New Zealand responsible-lending expectations or is discretionary is a question for legal review, and the answer determines whether the block is required or optional in the New Zealand variant. Item owner: General Counsel.
  9. Absence of an Australian guidance signpost. Recorded as an observation rather than a defect: the Australian footer links to no external financial-counselling or independent-guidance service, while the New Zealand footer links to two. Whether that asymmetry is intended is for legal and marketing to decide. Item owner: General Counsel + CMO.
  10. Guide and live estate will disagree until the template is updated. This guide documents the corrected header and footer, not the current ones, because the guide is the reference the estate is brought to. Until the live template is updated the two will differ, and that difference will be reported as a defect by somebody. It is recorded here so the approval covers the choice explicitly. Item owner: CTO + CMO.
  11. Approver for an asserted sub-line. The award-mark rule (section 7) permits a sub-line the register does not substantiate, provided it names an approver and cites a dated instruction. The role that approves one is not settled, and the current live instance carries no approver at all. The argument for Marketing is that a sub-line is a marketing line on the business's own site. The argument for General Counsel is that the exposure is a representation about a third party's award, made in trade, and the wording most likely to be wanted is exactly the wording least likely to be substantiated. Until it is settled, an asserted sub-line is recorded as approved by nobody, which is accurate and not sustainable. Item owner: CMO + General Counsel.
  12. Drop shadows baked into supplied award artwork. Supplied marks carry drop shadows their awarding bodies built in, and they differ enormously: one mark's shadow occupies over a quarter of its box, another's is negligible. Normalising on the badge (section 7) makes the badges consistent and lets the shadow fall into the gap, which is the only option that neither alters a third party's artwork nor leaves the sizes visibly wrong. It is a default rather than a ruling. Whether a supplied shadow may ever be stripped is a trademark-usage question for the awarding body, not an internal one, and it interacts with the licence terms each body attaches to mark use. Item owner: CMO + General Counsel.
  13. Maximum number of marks on a homepage row. The row is bounded by width, and optical normalisation widens the boxes, so the limit is a consequence of the marks in play rather than a number anyone chose. On the current Australian set three fit the narrow width and a fourth does not - it overruns by roughly a fifth. The automated check refuses a set that does not fit, so a fourth mark cannot ship silently, but what should happen when one is genuinely wanted - drop the lowest-ranked, allow a second row, or reduce the nominal height - is undecided. Item owner: CMO + Creative Director.
  14. Award marks on product pages. The register already records several marks as permitted on product pages as well as homepages, and nothing renders them there. Either the permission is aspirational and should be withdrawn, or the surface should be built. Leaving a recorded permission unexercised makes the register describe an intention rather than a state. Item owner: CMO + CPO.
  15. Marks register is unapproved. Everything in the award-mark component derives from a register that is still in draft, with no approver recorded, owned jointly by Marketing and Legal. Approving the component approves how a mark is presented; it does not approve any individual claim, and no claim currently has an approver. Item owner: CMO + General Counsel.
  16. Raster badge references in the marks register. Fifty references in the register point at raster badge files that do not exist on disk. None belongs to a currently-featured mark, which is why no check catches them: the completeness checks run over what is cleared to display. The register therefore asserts custody of fifty assets it does not hold. Harmless today and misleading the moment one of those award-years is featured. Item owner: CMO.
  17. Component classes not promoted to the shared stylesheet. Six classes emitted by the demonstration renderer are styled only in that renderer's own supplemental stylesheet rather than in the shared component layer. They render correctly, so this is a promotion backlog and not a defect - but a class that lives only in one renderer cannot appear in a specimen on this page, which is how the award-mark classes came to be absent from this guide until now. Item owner: CTO.
  18. Regulatory markers versus award marks. The regulatory marker bar - licence identifiers, dispute-resolution scheme, fee statements - is currently suppressed in the demonstration renderer at the operator's earlier request. Award marks are a separate class and are now live. Confirm the suppression was never intended to cover them, and record whether the regulatory markers are to return. Item owner: CTO + General Counsel.
  19. Webfont licence confirmation. Webfont rights for the brand-supplied typefaces are asserted operationally but not yet confirmed in writing. Production use on the harmoney.com.au and harmoney.co.nz web hosts awaits that written confirmation. Item owner: Harmoney.
  20. Optimised device and brand marks — approval. The button (brand) logo and the H device mark are now production vector (SVG), replacing the earlier raster export. Both have been optimised for the wire (integer-grid coordinate relocation plus a structural pass) and verified visually lossless against the Figma source in two independent renderers. Section 3 shows the original and optimised vectors side by side with their sizes. The optimised production marks await design sign-off. Item owner: Creative Director + CMO.
  21. Photography asset library. Rules and production briefs are defined (section 11); the curated, licensed image library is a defined next phase. No imagery ships with the brand definition today.
  22. Talent release contracts and generation mechanisms. The likeness rules (section 11) are in force. Before any generated imagery ships: the original talent release contracts are to be sighted to confirm their scope, and the synthetic-identity verification and provenance record mechanisms are to be built. All three are open.
  23. Animated icon rebuilds. The animated product-benefit icon instances on the live site are broken (empty animation data) and render as static artwork. The animations are to be recreated from the brand rules rather than recovered.
  24. Need-icon inheritance decision. "Do need pages carry their own icon, or inherit the icon of the purpose they point to?" Flagged for the designer session (section 8).
  25. Icon legibility flags, recorded for the next design review. (a) The interest-rate open lock could be misread as signalling a variable rate. (b) The secured-versus-unsecured shackle difference on the comparison-rate pair is near-invisible at 64px; each tile renders alone on its product page, so side-by-side distinguishability is secondary. (c) The path-drawn "yr" on the loan-terms tile is the weakest legibility in the set. (d) The home-improvements brush shape is approximate.
  26. Emphasis (bounce) duration. The 1000ms emphasis duration is carried from the earlier stylesheet vocabulary and is not yet a named token alongside the 600ms base. To be tokenised with creative-director sign-off.
  27. New Zealand growth-product label. The Australian market carries the "Start Now loans" product label; the New Zealand corpus uses the generic "personal loan". Whether New Zealand adopts a parallel label is open with New Zealand marketing.
  28. Documented-versus-implemented easing curve. The May 2021 documentation and the interactive demonstrations differ (section 9). Resolved in favour of the implemented curve by the brand definition; recorded here so the approval covers that choice explicitly.
  29. Photography framing rule, by era. The 2021 library rule (crop at waist) and the 2022 production rule (crop at knees) both stand, scoped by production era; do not mix eras within a banner set. Recorded here so the approval covers the dual rule explicitly.
  30. Known errors in the 2021 agency source, documented and not propagated. The archived agency pages carry minor listing errors - for example one palette step listed twice and several spelling slips. The brand definition corrects these; the originals remain preserved for provenance.
How sign-off is recorded: the named approvers initial the register above; the approval is then recorded against the brand definition with the date and the version approved, and the definition's review state moves from pending to approved.

Harmoney Brand Style Guide · rendered from brand definition version 2026-07-20.1+0 · 17 July 2026 · prepared for review