Terms Of Use

Introduction

The Compare Club Website (“The Host”) is owned and operated by Compare Club Australia Pty Ltd (“CCA”). CCA owns and operates the website www.compareclub.com.au for the purposes of providing Australians opportunities to save on their household bills by comparing insurance and other services.

Acceptance of Terms

This statement governs your use of The Host. The other terms and conditions contained in the Privacy Policy and on the Website also form part of CCA's agreement with you.

Your use of and access to The Host is conditional upon your acceptance and compliance with these Terms and our privacy policy . Your use of and access to The Host constitutes your agreement to be bound by these Terms. From time to time, CCA may change these Terms, without notice. Any subsequent use of or access to The Host by you will mean that you have accepted the changes to these Terms. If you do not agree to these Terms, you must not use or access The Host.

These Terms are intended to be for the benefit of CCA, its Related Bodies Corporate and their respective Personnel.

Use and access

The Host and its related content is made available only for personal use for the purposes of comparing goods and services available. Except as otherwise provided by law, all other use, copying, reproduction, dissemination, modification, adaption, distribution, transmission, republication, display or performance of all or part of The Host is prohibited. You must not use The Host in;

• any manner that is inconsistent with the purpose
• any manner which is in breach of any laws
• any other way which is not expressly permitted by these Terms
• a way that infringes the intellectual property rights or other rights of any person
• use, access or retain any Content in any manner or form whatsoever, unless expressly permitted by these Terms
• use any method or process to consolidate or combine the Content with any other content, data, information, images or material
• use, obtain or attempt to obtain information in order to identify or reverse engineer related business methodology, processes or systems
• anything which will or may damage, disrupt access to or interfere with the proper operation of The Host

The Host does not guarantee that access to its services will be uninterrupted, timely or secure, or that it will always operate as intended, and accepts no responsibility in that regard. The Host will take reasonable steps to provide a safe and reliable service. The Host also does not guarantee that its services will be free from viruses.

The Host, its Related Bodies Corporate, product providers and the Suppliers own or license certain trademarks which appear on The Host. Use of those marks is prohibited unless you obtain the prior written consent of CCA.

Information and offers on this website

The Host provides an information service to obtain quotes and compare certain products and services on the basis of particular criteria which are mostly ordered by price. The pricing on The Host is provided by third parties and is displayed in Australian dollars (AUD). The products and services quoted and compared are not representative of all the products and services available in the market. At times, not all brands may be available. The amounts are subject to change with price revisions and do not include any revised terms that may be applied, such as a loading. While we endeavor to provide information that is accurate and up to date, we make no warranties or representations about the accuracy, completeness, reliability or suitability.

Whilst the Information is considered to be true and correct at the date of publication, changes will occur and changes in circumstances after the time of publication may impact on the accuracy of the Information, and therefore the Information should not be relied upon. The Information may change without notice and The Host is not in any way liable for the accuracy of any information printed and stored or in any way interpreted and used by a user.

When reviewing any offers promoted on this website, please review the terms and conditions for these offers as these are controlled by individual suppliers rather than CCA. We have no control over these companies, their offers, website content, products/services, or the availability and nature of their products/services.

All information on The Host is general information and should not be considered as a personal recommendation on the suitability of the product to meet your needs. Before acting on the information and guidance provided by The Host, you should evaluate your own individual needs, objectives and situation and which products are suitable for you, and if necessary seek independent financial or investment advice before making a decision to acquire.

In no event shall The Host or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on The Host, even if The Host or Related Body Corporates has been notified orally or in writing of the possibility of such damage.

Comparing Life & Income Insurance Products

In respect of life insurance, CCA is an authorized representative (AR 1279036) of Alternative Media Pty Ltd (AFS 486326). Life and Income insurance services are operating by Advizer Pty Ltd (ABN: 83 168 993 333) which is a related body corporate of CCA and also a corporate authorized representative of Alternative Media Pty Ltd. Please see our FSG

The life insurance products compared on The Host are not representative of all products available in the market.

For the purpose of hawking provisions in s992A and 992AA of the Corporations Act, requests for health, life or income insurance have notices posted at the point of providing your contact details. This notice forms the basis of clear, informed, positive consent to a request for contact. If you do not believe that positive consent was provided, please notify our representatives and we will not contact you.

Comparing Mortgage Products

In respect of home loans, Compare Club is a corporate authorized credit representative (CRN 519886) of Alternative Media Pty Ltd (ACLN 486326). Mortgage services are operating by Beat My Loan Pty Ltd which is a related body corporate of CCA and also a corporate authorized representative of Alternative Media Pty Ltd.

For home loans, always read the product terms and conditions from the relevant supplier before making any decision to apply for the loan. This site compares home loan products from participating brands. At times, not all of these brands may be available. If you enquire about a home loan product through this site, Your enquiry may be directed to a mortgage broker who has partnered with The Host who will contact You. The Host earns a fee for home loans written as a result of The Host’s services. Details of our fees can be found in our Credit Guide.

Comparing Private Health Insurance Products

For health insurance products, always read the policy documentation from the relevant Supplier before making any decision to acquire or hold insurance.

The health insurance products compared on the Host and through the CCA Call Centre are not representative of all products available in the market. We compare a range of products (being the Participating Health Products). At times, not all brands or products from those brands may be available or offered to you.

The Host and CCA Call Centre do not compare all of the insurance products offered by the participating health insurance providers, but only a range which are made available to the Host for comparison being the Participating Health Products. The Participating Health Products can vary from time to time and when we provide You with a comparison, we are only comparing those Participating Health Products which may suit Your needs.

In respect of health insurance products compared through the Host or through CCA Call Centre, the Host acts as an agent of the health insurance provider and will receive a fee.

Comparing Energy Plans

In respect of energy plans, always read the relevant terms and conditions supplied by the Supplier before deciding to purchase the plan.

The energy plans compared on the Host are not representative of all energy plans available in the market. The plans compared for You will depend on where Your property is located. Not all energy retailers and plans are available in all locations. The plans compared for Your property will be listed in the supplier and plan table generated for Your postcode/suburb. A selection of energy plans from some of the following energy retailers may be compared on this site depending upon Your property location.

Comparing Car Insurance Products

Compare Club does not compare all car insurers or policies in the market. The availability of policies and their terms, cover and conditions will change from time to time. Always read the Product Disclosure Statement and the Target Market Determination on the provider's website for further information before purchase, as you should consider whether the advice is suitable for you and your personal circumstances.

Any advice given above is general in nature and does not take into account your objectives, financial situation or needs. Compare Club is paid by the car insurer for applications for their respective products. If you decide to apply for a car insurance policy you will be dealing directly with that provider, and not with Compare Club. Compare Club will receive a fee for this service

In respect of general insurance, CCA is an authorized representative (AR 1279036) of Alternative Media Pty Ltd (AFS 486326). Please see our FSG

Comparing Credit Cards Product

Compare Club acts as an intermediary in relation to the credit cards on its website. It provides information about those credit cards to enable you to make a decision about which credit card to apply for. We are not recommending any particular product to you. Consumers are referred to the individual lender websites to complete an online application. If you decide to apply for a credit card you will be dealing directly with that provider, and not with Compare Club. Compare Club will receive a fee for this service in respect of our [Associated Credit Providers]. We do not receive a fee in relation to applications you make for any other credit card shown on our website.

Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. All products have credit criteria, conditions, fees and charges that apply. Any advice given does not take into account your objectives, financial situation or needs so please consider whether it is appropriate for you. Target Market Determinations for the products are available on the relevant credit card provider’s website. Unless otherwise specified, the products and services described on this website are available only in Australia. Promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

The credit card products available via the Host Website are not representative of all products available in the market.

Do Not Call Register & Anti Spam: Consent

For the purposes of the Do Not Call Register Act 2006 (if it applies) by submitting your telephone number to The Host, you give your consent to be contacted by telephone on that number by either The Host, any of its related Bodies Corporate and any of its associated affiliates. Your consent will be deemed to be inferred consent and will continue until such time as you withdraw that consent.

For the purposes of the Spam Act 2003 (as applicable) by submitting your email address to The Host, you give your consent to be contacted by email on that email address by The Host, any of its related Bodies Corporate and any of its associated affiliates. Your consent will be deemed to be express consent and will continue until such time as you withdraw that consent.

Cookies

We use cookies, pixels, and other technologies (collectively, "cookies") to recognise your browser or device, learn more about your interests, and provide you with essential features and services and for additional purposes, including:

• Recognizing you when you sign-in to use our services. This allows us to provide you with product recommendations and display personalized content.
• Keeping track of your specified preferences. This allows us to honor your preferences, such as whether or not you would like to see interest-based ads.
• Conducting research and diagnostics.
• Preventing fraudulent activity.
• Improving security.
• Delivering content, including ads, relevant to your interests on our and third-party sites.
• Reporting allows us to measure and analyze the performance of our services.

Approved third parties may also set cookies when you interact with our website. Third parties include search engines, analytics services, social media, and other advertising companies. Third parties use cookies in the process of delivering content, including relevant and effective ads and to perform services on behalf of us. You can manage browser cookies through your browser settings.

Jurisdiction

These Terms are governed by the laws in force in New South Wales, Australia and you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts.

Links To Third-Party Sites

The Information contained in this site includes information derived from various third parties and does not necessarily directly reflect any policies, procedures, standards or guidelines of The Host.

Host takes no responsibility for the accuracy, currency, reliability and correctness of any information included in the Information provided by third parties nor for the accuracy, currency, reliability and correctness of links or references to information sources (including Internet Sites) outside of this website.

Links found on The Host do not necessarily imply an endorsement or recommendation of the information or views that are expressed by the external party. Links to other Internet Sites are not under the control of The Host and are provided for information only. Care has been taken in providing these links as suitable reference resources. However, due to the changing nature of the Internet content, it is the responsibility of the users to make their own investigations, decisions, enquiries about the information retrieved from other Internet Sites.

The Host welcomes links from most websites to this website. If you create a link, please follow these guidelines:

• The correct name for this website is Compare Club and the correct website address (URL) is www.compareclub.com.au .
• Links to this website should generally be to the home page at www.compareclub.com.au . Linking to other sections of the website may result in broken links, as page URLs occasionally change.
• You may not reproduce, reframe or reformat the pages, images, files, information and materials from this site on any other site without the permission of Compare Club Australia.
• All links to The Host website should be set to open in a new browser window and not within any other frame.
• You must not use the link to provide, or in any way imply, endorsement by The Host, of your organization, services or products.
• You must not copy or re-use content from this site or attempt to pass it off as your own.
• You must not unlawfully use any of the material or content found on this site.

We would appreciate you contacting us to let us know if you are linking to our site.

Contacting us

Any feedback or queries related to these Terms, intended purpose or authorisation to use information in The Host should be emailed to compliance@compareclub.com.au