📋 CMO REVIEW REQUIRED · HA1 · NOT FOR PUBLICATION
This asset is a working draft authored under Standing Order #1 (del.auth). It will be held at HA4 maximum until triad marketing-authority (Laurence Hugo + Lisa Hugo + Corrina McGowan · SO #5, SO #6) has performed sight-check review. HA5 (board-ratified · publication-ready) is gated on that CMO sight-check per user directive 2026-08-06.
Social profile copy pack
Operational asset: the exact strings that will be pasted into each social platform's profile fields at launch. Consistent handles, consistent bios, consistent link discipline. Not a public brochure — but published on the transparency surface so anyone can see what LWD says about itself on each platform.
Handle convention
@lifewithoutdebt on every platform where available. If unavailable, fallback is @lwd_charity_au. Handles are reserved but profiles remain private until launch.
Universal short bio (160 chars — X, Instagram)
Australian charity. We resolve consumer debt for people living with terminal, life-limiting, chronic or serious illness. Free. Australia-wide.
Character count: 155. Fits inside 160 with room for one character variance.
Medium bio (200-300 chars — LinkedIn, Facebook About)
Life Without Debt is an Australian public benevolent institution that resolves consumer debt — credit cards, personal loans, BNPL, telco arrears — for people living with terminal, life-limiting, chronic or serious illness, and for their families and carers. Free at the point of use. Australia-wide. Registered charity.
Long bio (LinkedIn Company Description · 2,000 chars)
Life Without Debt Ltd (ACN: pending · ABN: pending) is an Australian public benevolent institution registered with the Australian Charities and Not-for-profits Commission and endorsed by the Australian Taxation Office as a Deductible Gift Recipient.
We do one thing: we resolve consumer debt for people living with terminal, life-limiting, chronic or serious illness — and for their immediate families and primary carers. This means credit cards, personal loans, buy-now-pay-later balances, telco and utility arrears, and small informal debts. It does not mean mortgage debt, tax debt, or business debt.
The service is casework: an intake conversation, a documented plan the person agrees to, and then direct negotiation with creditors on the person's behalf until the debts are resolved. Free at the point of use. Australia-wide. Delivered by trained staff and supervised volunteers.
We accept referrals from GPs, palliative care nurses, oncology social workers, hospital discharge planners, and condition-specific bodies. People can also refer themselves via our website.
Governance: ACNC-registered PBI, ACNC Governance Standards, audited financial statements from year one, Annual Impact Report against a methodology published before the first year of operation.
Website: cosailifewithoutdebt.org · Media: media@cosailifewithoutdebt.org
Banner text specifications
| Platform | Banner size (px) | Recommended text |
|---|
| LinkedIn | 1584×396 | "Free · Australia-wide · When serious illness meets consumer debt." |
| Facebook | 820×312 | Same as LinkedIn |
| X (Twitter) | 1500×500 | "Life Without Debt · Australia · casework, not commentary" |
| Instagram | No banner (profile picture 320×320) | Profile picture: logo mark on white |
| Threads | No banner | Uses IG profile |
Link discipline
- LinkedIn/Facebook: primary link →
cosailifewithoutdebt.org
- Instagram/X/Threads bio link →
cosailifewithoutdebt.org/intake (deliberately the intake surface, not the homepage — social platforms are where people find us informally)
- Media contact repeated in every profile →
media@cosailifewithoutdebt.org
Launch-day post scaffolds
Launch post — LinkedIn / Facebook (long form)
Today we launch Life Without Debt — an Australian charity dedicated to resolving consumer debt for people living with terminal, life-limiting, chronic or serious illness.
Every year, hundreds of thousands of Australians receive a diagnosis of serious illness. A significant proportion are carrying consumer debt at the moment of diagnosis. In the months and years that follow, that debt does not go away. Life Without Debt exists to remove that particular burden.
Casework — not general information. Free at the point of use. Australia-wide.
If you are living with serious illness and carrying consumer debt, or you are caring for someone who is, please write to us: cosailifewithoutdebt.org/intake
If you are a health professional and you would like to know how to refer a patient: cosailifewithoutdebt.org/referrer-pack
If you want to support the work: cosailifewithoutdebt.org/donate
Every gift, of any size, is welcome.
Launch post — X / Threads (short form)
Today we launch Life Without Debt — an Australian charity that resolves consumer debt for people living with terminal, life-limiting, chronic or serious illness. Free · Australia-wide.
cosailifewithoutdebt.org
Content restraint
- No beneficiary photography or naming in social posts without informed revocable consent (Beneficiary Depiction Guardrails).
- No engagement-farming ("What's your worst debt story?"). We are here to work, not to farm.
- No commentary on political figures or party politics. We may reference legislation and regulation in policy terms.
- No health-professional impersonation. We do not give medical advice. Where medical questions appear, we refer.
- Crisis-service cross-reference in profile bio for platforms that support (Instagram, Facebook): "In crisis? Lifeline 13 11 14 · Beyond Blue 1300 22 4636 · 13 YARN 13 92 76"
Privacy & complaints
Correspondence via social platforms is protected under our Privacy Policy. Complaints about our social conduct can be raised via /complaints. Beneficiary depiction is governed by /beneficiary-depiction-guardrails.
If you are in crisis or need urgent help
Life Without Debt is not a crisis service. If you or someone you care for is in immediate distress, please contact Lifeline 13 11 14, Beyond Blue 1300 22 4636, or 13 YARN 13 92 76. For medical emergencies call 000. For palliative-care support, Palliative Care Australia can help you find your nearest service.
Version 0.1 · HA1 draft · Sprint 37. Related: Media kit · Spokesperson · Launch press release · Beneficiary Depiction Guardrails.