Interestrate Policy

Terms & Conditions and Privacy

Terms & Conditions

Privacy

Terms and Conditions
InterestRate.com.au Pty Ltd
ABN: 28 095 074 089
(“InterestRate.com.au”)
Last Amended: [08-12-2012]

Australian Credit Licence: 377789

1. The function and purpose of this web site

1.1 InterestRate.com.au, amongst other things:

(a) publishes information provided by third parties (“Lenders”) about Lender’s products and services (“Lenders’ Products & Services”);

(b) upon your request, transmits to relevant Lender(s) your enquiry in relation to the Lender’s Services; and

(c) provides information on a range of home loan and credit card options as well as tips about buying and selling and renovating homes (collectively referred to as the “Services”)

1.2 InterestRate.com.au and/or any affiliate web site that links to or incorporates the functionality of the InterestRate.com.au web site may receive payment from a Lender or, in the case of an affiliate, from InterestRate.com.au, based on loans made to you by Lenders as a result of your use of the Services.

1.3 Interestrate.com.au provides information and limited comparisons in relation to certain features of listed financial products. We do not make recommendations in relation to any product and our comparisons do not take into account your specific objectives, financial situation and needs. Hence our comparisons do not constitute financial advice or a recommendation in respect of any featured product. You should seek appropriate independent financial advice prior to applying for any financial product described by us. All product enquiries and requests for financial and/or other advice on this website are referred to third parties who hold Australian Financial Services Licences and are authorised to offer financial advice. You should confirm with the third party that offers the product that the details of the product as listed on our website are accurate. We may receive a fee or commission from these third parties in consideration for the referral. However, we are not financial services intermediaries and do not act for or on behalf of such third parties.

2. Acceptance of terms and conditions

2.1 By using any of the Services you acknowledge that you have read and agree to be bound by these terms and conditions (and the privacy policy contained on this web site) as amended from time to time (“Terms and Conditions”).

2.2 InterestRate.com.au may, in its absolute discretion, modify or amend these Terms and Conditions from time to time and such modifications or amendments will be binding upon you once displayed on this web site. You agree to be bound by these Terms and Conditions as so amended and your continued use of this web site and/or the Services will constitute your agreement to be bound by these Terms and Conditions as amended.

3. Warranties provided by you

3.1 You warrant and acknowledge that:

(a) you have the legal capacity to enter into a legally binding contract;

(b) the information you provide on this web site and/or to InterestRate.com.au is:

1. correct, complete and current;
2. not misleading or deceptive or likely to mislead or deceive; and
3. free from any programming bugs or computer viruses, faults or errors;

(c) you will comply with these Terms and Conditions at all times;

(d) you will not use this web site or the Services for any illegal or fraudulent purpose;

(e) you will not impede the use of this web site by any person;

(f) you will not act in a way that, in the sole and absolute opinion of InterestRate.com.au, is likely to be detrimental to the interests of InterestRate.com.au; and

(g) you will maintain the secrecy and confidentiality of all username and password information that may be required by you to access the Services and you will immediately notify InterestRate.com.au if your password has been lost, stolen or compromised in any way; and you will not impersonate any other person or allow any other person to impersonate you or make use of your username or password.

3.2 To enable InterestRate.com.au to provide the Services to you, you hereby grant InterestRate.com.au a non exclusive, royalty free, perpetual irrevocable licence to use any material you post, upload or otherwise transmit on or to this web site.

4. Information provided by third parties

4.1 This web site may contain links to third party web sites and may contain information provided by third parties.

(a) Authorises Interestrate Pty Ltd to pass on the client’s name, contact details and the purpose for seeking the credit, to the lenders on its panel;

(b) Has not been provided with financial product advice, and has only been provided with general information about its services;

(c) Has not been charged a fee for accessing the service

4.2 You acknowledge and agree that insofar as goods/services (and/or information about goods/services, including, but not limited to Lender’s Products & Services and the information about Lenders’ Products & Services) are offered on or through this web site by third parties (collectively referred to as the “Third Parties”):

(a) the information published on this web site about the goods or services of Third Parties are provided by those Third Parties. InterestRate.com.au is not responsible for the information published by the Third Parties and InterestRate.com.au simply acts as a medium for the publication of such information;

(b) InterestRate.com.au does not endorse or recommend any goods or services provided by the Third Parties;

(c) InterestRate.com.au does not act as an agent or broker of the Third Parties nor does InterestRate.com.au act as your agent or broker in relation to goods or services provided by the Third Parties;

(d) InterestRate.com.au does not arrange contracts between you and the Third Parties;

(e) InterestRate.com.au has no right or power to bind either you or the Third Parties in relation to a Third Party’s goods/services;

(f) any agreement entered into with a Third Party as a result of your use of this web site is an agreement between the Third Party and you;

(g) InterestRate.com.au does not provide advice to you in relation to the goods/services offered by the Third Parties;

(h) InterestRate.com.au does not provide any warranties in relation to the goods/services provided by the Third Parties and will not be liable to you or any third party for any failure, wrong or default of a Third Party;

(i) InterestRate.com.au will not be responsible for the resolution of any dispute in relation to any agreement formed between you and a Third Party; and

(j) InterestRate.com.au takes no responsibility for the content of any Third Party web site that links to or from this web site.

5. Limitation of Liability

5.1 You acknowledge and agree that:

(a) the Services do not constitute credit, financial or investment advice and that InterestRate.com.au does not act as a credit, financial or investment or other professional adviser;

(b) the Services may not be appropriate, correct or sufficient for your particular situation;

(c) the Services are provided as general information only and are not provided as professional or expert advice, and are not a substitute for such advice, and accordingly, you should obtain independent professional advice to address your particular situation;

(d) InterestRate.com.au does not warrant or guarantee that this web site will be error free or that you will have continuous uninterrupted access to this web site;

(e) InterestRate.com.au may at any time, modify or discontinue all or part of the Services.

5.2 To the full extent permitted by law, InterestRate.com.au, its directors, officers, employees, agents, contractors and related bodies corporate, will be under no liability to you or to any person in respect of any costs, expenses, liabilities, claims, demands, proceedings, losses or damage (including consequential and special loss or damage), which may be suffered or incurred or which may result or arise directly or indirectly from or in connection with:

(a) your breach of these Terms and Conditions;

(b) any use of this web site or reliance on the information contained on this web site for whatever reason;

(c) any transaction entered into through or via this web site;

(d) the provision or non-provision of the Services or any other products or services provided (or to be provided) by InterestRate.com.au to you or to any other party;

whether or not such costs, expenses, liabilities, claims, demands, proceedings, losses or damage was as a result of error or misrepresentation, negligent act or omission, or any other cause whatsoever.

5.3 If any law prohibits the exclusion of any implied term or liability referred to in clauses 5.1 and 5.2, InterestRate.com.au limits its liability to the extent permitted by the law and at its option to one or more of the following:

(a) if the breach relates to goods provided by InterestRate.com.au:

(i) the replacement of the goods or the supply of equivalent goods;
(ii) the payment of the cost of replacing the goods or of acquiring equivalent goods; or
(iii) the repair of the goods;

(b) if the breach relates to services supplied by InterestRate.com.au:

(i) the supplying of the services again; or
(ii) the payment of the cost of having the services supplied again;

(c) if the breach relates to the supply of information by InterestRate.com.au, to the re-supply of such information.

6. Intellectual Property

Unless otherwise provided, all intellectual property (including but not limited copyright and trade marks) in the brands, graphics, names, information, systems, processes, concepts and all other material on this web site are owned by or licensed to InterestRate.com.au. Except as permitted by the Copyright Act 1968 (Cth), no part of this web site may be copied, altered, modified or reproduced by any process without the specific prior written permission of InterestRate.com.au.

7. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Victoria, Australia, and you irrevocably submit to the exclusive jurisdiction of the courts in the State of Victoria, Australia.

8. Entire Agreement

These Terms and Conditions set out the entire agreement and understanding between you and InterestRate.com.au and supersedes all prior agreements, understandings, representations and warranties, whether express or implied.

9. Provisions Severable

If any provision of these Terms and Conditions is found to be invalid, illegal or unenforceable, the remaining terms and conditions shall continue in full force and effect and such invalid, illegal or unenforceable provision shall be deemed not to be a part of these Terms and Conditions.

Privacy Policy

InterestRate.com.au Pty Ltd
ABN: 28 095 074 089
(“InterestRate.com.au”)
Last Amended: [08-12-2012]

Australian Credit Licence: 377789

By using the InterestRate.com.au web site (“this web site”), you accept the practices described in this privacy policy.

InterestRate.com.au reserves the right to modify this privacy policy from time to time and such modifications will become effective from the date such modifications are displayed on this web site.

1. What information is stored by InterestRate.com.au?

InterestRate.com.au stores information that you knowingly provide to InterestRate.com.au or a third party whilst using this web site. As you use this web site you will be requested to provide information necessary for InterestRate.com.au or a third party to deliver the goods or services you have requested. Such information will be stored in a database controlled by InterestRate.com.au.

Certain statistical information will also be recorded by InterestRate.com.au when you visit this web site, such as:
• a record of your IP address;
• the date and time of your visit to this web site;
• the pages accessed and documents downloaded;
• the referring web page; and
• if you contact us, the type of browser and operating system that you use.

2. How is your information used?

This web site allows you to access goods and services from InterestRate.com.au or third parties. In order to obtain these goods or services, you will need to submit on this web site certain information to InterestRate.com.au or those third providers. No information will be provided to a third party without your consent.

Although InterestRate.com.au seeks to deal with reputable third parties, InterestRate.com.au cannot control, and will not be liable, for any use of your personal information by any third party to whom your information is sent with your consent.

Any personally identifiable information that you submit on this web site will not be sold, rented or otherwise traded by us to any third party.

However, personal information provided by you for the purpose of obtaining any goods or services will be tracked, edited and/or disclosed to:
• provide you with the goods or services that you have requested;
• comply with the law;
• lessen a serious threat to a person’s health or safety

In order to improve the operation of this web site, InterestRate.com.au may also aggregate statistical information referred to above about a user’s use of this web site. Such statistical information may also be disclosed to third parties, however, no personally identifiable information will be disclosed except to comply with the law.

InterestRate.com.au does not assign alpha or numeric identifiers to users of this web site.

3. Third party web sites linked to this web site

A third party web site may be linked to this web site from time to time. Such third party web sites are not owned or controlled by InterestRate.com.au and therefore, InterestRate.com.au will not responsible for the conduct of the third parties operating such web sites.

4. Use of your e-mail address

InterestRate.com.au may use your e-mail address to:
• send you follow ups on goods or services you have inquired about; and
• keep you informed of changes to this web site and the goods and services offered through this web site.

Prior to sending you any e-mail, other than the e-mails described above, InterestRate.com.au will first obtain your consent to do so. You therefore have the option of not receiving any further e-mails by notifying InterestRate.com.au of your choice.

5. Data security

Any of your personal information held by InterestRate.com.au is held secure in a manner designed to protect information from internal and external access by anyone other than specifically authorised staff of InterestRate.com.au.

Whilst reasonable steps have and will be taken to ensure the security of data submitted on this web site, InterestRate.com.au does not warrant that this web site and the systems which operate it will be without error or interruption, or will be free from unauthorised or fraudulent access.

6. Accessing and amending your personal information

If your personal information is stored by InterestRate.com.au, you may:
• view your personal information; and/or
• amend or update your personal information

by contacting [insert e-mail address or phone number].

In limited circumstances, InterestRate.com.au may refuse your request to access, in which case, you will be given a reason for that refusal. InterestRate.com.au is not required to provide access where:
• denying access is required or authorised by law; or
• providing access would be unlawful.

7. Openness and Privacy Queries

This privacy policy shall be made available to anyone upon request. Further information is available by contacting InterestRate.com.au at the address or telephone number below.

InterestRate.com.au Pty Ltd
Ph: 1300 850 185
info@InterestRate.com.au