Terms & Conditions

Effective date: 1 September 2025

Applies to: RateShopper Pty Ltd (ABN 58 653 611 717)

1. About These Terms

These Terms & Conditions (“Terms”) govern your use of the RateShopper website(www.rateshopper.com.au), our services, forms, calculators and any communications we provide (“the Services”). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our website or submit your personal information.

2. Who We Are

RateShopper Pty Ltd (ABN 58 653 611 717) is a Credit Representative (Credit Representative No. 572868) of Straw Financial Services Pty Ltd (Australian Credit Licence No. 504512).

We operate a lead generation and digital loan comparison platform that helps Australians understand their potential eligibility for credit products. We collect relevant personal and financial information and connect customers with our licensed credit partner, who may assist with a potential loan application.

We are not a lender and do not provide credit advice.

3. What We Do (and Don’t Do)

✅ We:

Help you explore eligibility for a range of credit products
Collect and assess your goals, financial details, and preferences
Connect you with our licensed credit partner for further assistance
Operate under the authority of a licensed credit provider
May receive a referral commission (disclosed below)

❌ We don’t:

Provide personal credit assistance or recommendations
Guarantee approval or product suitability
Issue loans or act as a credit provider

4. Eligibility to Use Our Services

You must be:

18 years or older
An Australian citizen or permanent resident (or eligible visa holder)
Using the site for personal (not business) purposes

We reserve the right to suspend or deny access if these conditions are not met.

5. Accuracy of Information

All loan estimates, product descriptions, interest rates and calculator results on our website are:

Indicative only, and
Subject to change and assessment by the lender or credit representative

You should verify final terms with the broker or lender before making financial decisions.

6. Commissions & Disclosure

We may receive a commission or referral fee from our licensed credit partner if you proceed with a loan. This commission does not impact the product or pricing you receive. We comply with ASIC disclosure rules and ensure transparency about any commercial benefit we receive.

7. Your Responsibilities

You agree to:

Provide accurate and complete information when using our Services
Use our platform for lawful and legitimate purposes only
Acknowledge that any loan outcomes are subject to lender assessment

8. Intellectual Property

All content, text, branding, images, software and design on this website are owned or licensed by RateShopper. You may not copy, reproduce or reuse our materials without written permission.

9. Third-Party Links

We may include links to other websites or tools. We are not responsible for their content, policies, or practices. Use them at your own risk.

10. Limitation of Liability

We aim to provide useful and accurate information, but:

We do not guarantee loan outcomes
We are not liable for any direct or indirect loss from the use of our platform
Our maximum liability is limited to the amount (if any) we earned as a result of your referral

11. Privacy & Data Use

By using our site, you agree to our Privacy Policy. We may collect personal and financial information to help assess your loan eligibility and connect you with our licensed credit partner.

If you opt in, we may send you marketing communications. You can unsubscribe at any time.

12. Changes to These Terms

We may update these Terms at any time. The latest version will be published on our website.Continued use after changes means you accept the revised Terms.

13. Contact Us

If you have questions about these Terms, contact:

📧 Email: privacy@rateshopper.com.au