Terms Of Use

Introduction

This website is operated by AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence number 246786 ("AHL") trading as Credit Savvy Australia ("Credit Savvy", "We", "Us" and "Our") under the domain name www.creditsavvy.com.au ("Site"). The following terms and conditions ("Terms of Use") apply to the entire Site and any subsequent versions of the Site. The Site provides users, including visitors browsing the Site and registered members of the Site ("You" and "Your") with the ability to receive details about their credit score as well as information and tools to compare a range of products, credit providers and services ("Service").

Please read through these Terms of Use carefully prior to accessing or using the Site. Your access or use of the Site indicates that You agree to abide by, and be bound by, these Terms of Use, the Credit Savvy Australia Privacy Policy and any other related policies, notices, representations or additional terms applicable to the Site. If You do not accept these Terms of Use, please leave the Site and discontinue use of Our Services immediately.

To be eligible to use Our Services via the Site You must be 18 years of age or older, hold an Australian driver's licence and Australian passport or hold a foreign passport with an Australian visa ("Eligibility Criteria"). We may vary the Eligibility Criteria from time to time.

When accessing or using the Site, You agree that information featured on the Site is for personal use only and may not be sold, redistributed or used for any commercial purpose, without Our prior express and written consent. You may download material from the Site for Your personal, non-commercial use only, however all of Our intellectual property rights must continue to be upheld.

You may not use data mining, robots, screen scraping, or similar data gathering and extraction tools on the Site for establishing, maintaining, advancing or reproducing information featured on the Site, or in any other publication, except with Our prior express and written consent. You may not use the Site in any manner or for any purpose which is unlawful or in any manner which violates these Terms of Use or any of Our rights.

Changes to these Terms of Use

We reserve the right to change these Terms of Use and make changes to the content and layout of the Site, at any time. Any modifications will be effective immediately, without any prior notice to You and We have no liability for any costs, losses or damages of any kind arising as a consequence of any such change. Any subsequent access to, or use by You, of the Site will constitute an acceptance of any varied or modified Terms of Use. We encourage You to periodically review these Terms of Use to become aware of any changes that may have occurred.

The Site includes information relating to banks, credit unions, credit providers, mortgage brokers, and other organisations or persons in connection with the products or services displayed on the Site ("Product Provider"). We reserve the right to determine which Product Provider, products or services are included on the Site and do not accept responsibility for any such information provided in respect of any Product Providers, products or services on the Site. We recommend You view the relevant Product Provider websites before making any decision in relation to those Product Providers, products or services.

No advice service

We do not provide personal financial, legal or tax advice, or credit assistance of any form. Any content featured on the Site is of a general and informative nature only. You must consider Your own individual financial circumstances before acting upon any of the information featured on the Site. We strongly encourage You to seek independent advice when considering applying for any product or service featured on the Site.

You will deal with the relevant Product Provider directly in relation to the acquisition of any product or service featured on the Site. We do not assist with Your application for any product or service and the credit-related information We provide You does not guarantee acceptance or eligibility for any product or service.

Appointment as Access Seeker

The Site allows You to obtain automatic updates provided by credit reporting body Experian Australia Credit Services Pty Ltd ABN 12 150 305 838 ("Experian") regarding Your Experian credit score ("Credit Score") and other credit-related information held by Experian. This information is delivered through the Site and presented to You in Your Credit Savvy dashboard and credit report card ("Credit Report Card"). To request access to a copy of Your full free Experian credit report, please contact Experian directly at www.experian.com.au.

Your credit information may include the following (where applicable):

  • Your personal identification information, including Your name, contact details and date of birth ("Personal Information");

  • Your consumer credit liability information;

  • Your repayment history information;

  • a statement that an information request has been made about You by a third party;

  • the type of consumer credit and amount of credit sought in an application to a lender and in connection with which a lender has made an information request;

  • Your default information;

  • Your payment information;

  • Your new arrangement, court proceedings or personal insolvency information; and

  • any other such information as set out in section 6N of the Privacy Act (Cth) 1988 ("Privacy Act") (together, "Credit Information").

By requesting access to Your Credit Score, or Credit Report Card, You consent and authorise:

  • Us and Our agents to use Your Personal Information and details provided in accordance with Our Eligibility Criteria to verify Your identity, including with various government entities;

  • Us to act as Your agent and access seeker for the purposes of the Privacy Act and the Privacy (Credit Reporting) Code (Cth) 2014, to request Experian to provide You with Your Credit Report Card and this authority continues until such time as You cancel Your membership to the Site. If You have accounts linked to multiple email addresses, please ensure You cancel each account separately;

  • Experian to collect, use, disclose, transfer from Us or otherwise handle any of Your Personal Information for use within Experian's credit reporting body processes;

  • Experian to generate Your Credit Information and deliver it to Us to be accessed by You on the Site; and

  • Us to collect and/or store Your Credit Information and any related data from Experian for the purposes of collecting, using, disclosing, transferring or otherwise handling Your Credit Information and any related data consistent with these Terms of Use. This includes incorporating Your Credit Information into Your Credit Report Card and providing You with access to this information on the Site.

For more information on how We collect, use, hold exchange and protect your Personal Information, please refer to the Credit Savvy Australia Privacy Policy.

Credit Score

Your Credit Score is calculated and produced by Experian. Our Service does not reflect or capture any data contained in any other credit reporting body. Please be aware that Your Credit Score may be different from a credit score obtained elsewhere. The way We present Your Credit Score and other credit-related information about You may differ from the way it is presented if requested directly from Experian. However, the information is based upon a subset of the same underlying data.

Comparison Site functionality

The products and services featured on the Site are not comprehensive or representative of the market and do not cover all products, credit providers or services available. You will be presented with offers and paid for marketing by Product Providers and third parties on the Site.

The products and services on the Site may be sorted by You. We do not recommend or endorse any products or services offered by Product Providers. The display or order of products shown on the Site is not an indication of product ranking, suitability or eligibility for a particular Product Provider, product or service. This applies irrespective of whether We receive any commission, referral fee or payment from a Product Provider.

Each product or service displayed on the Site will be subject to its own terms and conditions set by the Product Provider. You should obtain information directly from a Product Provider before making a decision to apply for, or acquire, a product or service featured on the Site.

Accuracy and availability of the Site

We collect information and data featured on the Site directly from Product Providers and from Our own independent research. We will make every reasonable effort to ensure that this information remains accurate and up-to-date and will correct any errors or omissions as soon as practicable after being notified of them. We have no liability for any costs, losses or damages of any kind arising as a consequence of any such errors or omissions.

We receive Your Credit Information from Experian and rely on Experian to provide Us with accurate and up-to-date credit-related information about You. We will not be held liable for any incorrect or incomplete information or data provided to Us by Experian or for any loss You may suffer by relying upon the accuracy or completeness of Your Credit Report Card or any other information provided on the Site.

You acknowledge that temporary interruptions to the Service and Site may occur from time to time. We will not be held liable for any loss You suffer as a result of not being able to access or use the Site or the Service.

Ratings and Your comments

The Site has a feature that enables You, if You are a member, to provide a rating of the products listed on the Site.

When you submit a review, you agree that any rating:

  • can only be submitted for a product that You have acquired;

  • is about a Product Provider which You are a customer; and

  • is an accurate reflection of Your experience as a customer.

Without notice to You, We may remove content or ratings You submit, if We have a valid reason. Reasons to remove content include, but are not limited to, circumstances where We believe that You are:

  • misusing Your membership with Us;

  • breaching these Terms of Use;

  • engaging in fraudulent or unlawful behaviour; or

  • submitting ratings which We consider to be "spam".

All ratings represent the view of the member submitting the content and not that of Credit Savvy. Credit Savvy does not endorse the views expressed by members.

Intellectual Property

All material featured on the Site, including any content, email communications, underlying source code and software, is owned, or used under license, by Us, and is protected by copyright, patent, trademark and any other intellectual property laws.

The trademarks featured on the Site (whether registered or unregistered) are primarily Our trademarks or those of Our affiliates. Other trademarks may also be featured on the Site and are trademarks of their respective owners. Such trademarks must not be used or modified in any way without Our prior express and written consent or the consent of the relevant affiliate or third party owner.

You agree not to infringe any intellectual property rights owned by Us. We reserve all of Our rights in this regard.

By posting or submitting ratings or content You grant Us a royalty-free, perpetual right to use, reproduce, modify, publish, distribute, create derivative works from, communicate to the public, or use for any purpose Your rating in any form or media. You waive any moral rights that You may have in that content.

Licence for Our Service

By giving You permission to access and use the Site, We grant You a non-exclusive, revocable, non-transferable licence to use Our software on a server controlled by Us, for the sole purpose of accessing and obtaining information from the Site, subject to these Terms of Use.

You may not copy or reproduce the underlying source code or software either in full or in part, nor attempt to in any way modify, copy, reproduce, republish, upload, post, transmit, distribute, alter, reverse engineer or de-compile in any way any material from the Site including the source code or software. You are not licensed to use or install the source code or software, other than as specifically authorised by Us. We reserve the right to add, remove or vary any source code or software.

Your contact information

If You elect to register as a member with Us, You will need to provide Us with accurate, complete and up-to-date Personal Information and information in accordance with the Eligibility Criteria to gain access to the Services featured on the Site.

We will send You correspondence to the contact details You provide to Us. It is Your responsibility to notify Us of any change to Your contact details or other Personal Information. We will not be held responsible for any correspondence not received due to inaccurate personal details You have provided Us or if You fail to notify Us of changes to Your personal details.

If your mailbox rejects our email messages we may turn off notifications for your account. You will still be able to log in and you can turn notifications back on in Your Profile.

Your login and password

When registering as a member with Us, You must provide a login (in the form of a valid email address) and a password ("Login Details"). We recommend that You keep Your Login Details confidential. You are entirely responsible if You do not maintain the confidentiality of Your Login Details and any actions of people You allow to access Your Login Details. When the Site is no longer in use, please ensure You log out of the system.

Please email Us if You become aware of any unauthorised use of Your Login Details or any other breach of security. For Our contact details, please refer to the 'Contact Us' section in these Terms of Use.

Termination, cancellation and suspension of use

We reserve the right to terminate, suspend or otherwise limit Your access or use to Our Service if We have reason to believe that You are misusing Your membership with Us, breaching these Terms of Use or engaging in fraudulent or unlawful behaviour, without any prior notice to You.

If You do not or are unable to provide the required Personal Identification information or information required by the Eligibility Criteria, or if We are not satisfied as to Your identity, We may refuse to provide You with access to any or all of the Service.

We also have the right to vary, discontinue or cease offering any aspect of the Services without any prior notice to You and We have no liability for any costs, losses or damages of any kind arising as a consequence of such termination.

Governing Law

These Terms of Use and all aspects of the Site are governed by the laws of the State of New South Wales in Australia. Disputes arising in connection with the Site or these Terms of Use will be subject to the non-exclusive jurisdiction of the courts of New South Wales in Australia. You agree to notify Us of any claim or dispute concerning or relating to the Site.

Limitation of liability

To the maximum extent permitted by law and notwithstanding any other provision of these Terms of Use, We, Experian, Our subsidiaries and affiliates, will not be liable in any way to You or anyone else for any loss, expense, liability, claim, damages (including without limitation, indirect, special or consequential loss or damage), loss of income, data, contract, tort, profit, or loss of opportunity, arising out of Your use or inability to use, or access, the Site or any of the Services or in relation to any content or information obtained through the Site, whether or not this is caused by a negligent act or omission.

We and Experian do not accept liability for any acts or omissions of others, including but not limited to, Product Providers who provide the information and data used to compile the information featured on the Site, or any rating or content posted by You or other members.

Warranties

To the maximum extent permitted by law, neither We nor Experian warrant the reliability, availability, accuracy or completeness of any information featured on the Site. Neither We nor Experian will in any way shape or form be liable to You or anyone else for any financial decision or action taken by You or anyone else in reliance upon any information contained on or omitted from the Site.

We will not be held liable or provide any warranty for any error, bugs, conflicts, or incompatibilities which arise from any out of date or unsupported versions of browser software.

Waiver of liability

If We or Experian fail to exercise or enforce any right or provision under these Terms of Use, this is not to be construed as any waiver of those rights or provision. If any of these Terms of Use are considered invalid or unenforceable, the remaining provisions remain in full force and effect.

Indemnity

To the maximum extent permitted by law, You indemnify and agree to keep Us and Experian indemnified against any loss or claim arising out of, or in connection with, Your use or inability to use, or access, the Site, Your completion of a Credit Savvy registration form, or Our provision of Your Personal Information to any third party in connection with Your completion of a Credit Savvy registration form.

You agree to indemnify and hold Us, Experian, Our subsidiaries and affiliates, harmless from any loss, actions, proceedings, costs, expense (including legal fees), liability, claim, or demand, including the following:

  • Your use or inability to use, or access, the Site in violation of these Terms of Use;

  • any breach of these Terms of Use; and/or

  • reliance by You on any content or information obtained through the Site.

Contact Us

If You have any questions or concerns regarding these Terms of Use or any of Our Services, please email Us on feedback@creditsavvy.com.au.

If You have a complaint or dispute, please email Us on complaints@creditsavvy.com.au or write to Us at Customer Dispute Resolution, Credit Savvy Australia, Locked Bag 19, Royal Exchange, NSW 1225.

If You have any questions or concerns regarding Your privacy, how We collect or use Your Personal Information, please email Us at privacy@creditsavvy.com.au.

If You believe the information contained in Your credit file, Credit Report Card or any other credit-related information is wrong, please contact Your credit provider and/or the credit reporting body to have the mistake investigated and corrected. Please be aware that any incorrect information noted on Your Credit Report Card may be listed with other credit reporting agencies and credit reporting bodies.

By registering as a member of the Site and opting in to receive news and offers, You consent to receiving marketing electronic messages from Us, including by email or other electronic means. You may at any time choose not to receive these direct marketing communications. If this is the case, please log into Your account at www.creditsavvy.com.au and edit the subscription preferences in Your profile.

Withdrawing Your consent to receive marketing electronic messages from Credit Savvy does not:

  • withdraw Your consent to receive information electronically relevant to the operations of the Site and Your membership; or

  • withdraw Your consent to receive information from any other business units of AHL, its affiliates or subsidiaries.

We act as a credit intermediary and do not provide personal financial, legal or tax advice, or credit assistance of any form. Any content featured on the site is of a general and informative nature only and does not take into account your personal objectives, financial situation or needs. You should consider your needs, along with the product's terms and conditions before making a decision. We do not accept any liability in respect of any product or service which you elect to acquire from any provider.

© 2018 AHL Investments Pty Ltd (AHL) ABN 27 105 2‌65 861 and Australian Credit Licence number 246786 trading as Credit Savvy Australia.
Credit Savvy is a trade mark of AHL Investments Pty Ltd. AHL is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124.

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