HelpCompare.com.au Terms of Use

Terms and Conditions of using HelpCompare.com.au

Accessing this website and the information services?

HelpCompare.com.au is 100% owned by Intelligent Investment Services Group Pty Ltd. (“IISG Pty Ltd”) Your access to and use of the information and services within this website is conditional upon your acceptance of these Terms and Conditions.

What are the HelpCompare.com.au information services?

HelpCompare.com.au provides a free service that allows users the opportunity to shortlist and compare home loan products from a select database of financial service providers operating within Australia. Users are provided with information relating to the financial services industry, the products and services offered by the industry and the organisations within the industry. On utilising the service, HelpCompare.com.au provides a link between users and either a mortgage broker, insurance broker, financial planner or banking professional, from a range of organisations. WE do this based on a mix of your requirements and the likely ability of the provider to service your needs. However it may not always be possible for you to receive this service, as we may not have a participating financial services provider that meets your criteria. Also, we recommend that our users make their best efforts to identify the credibility, qualification, memberships and associations of the broker, adviser or professional that contacts them before entering into contracts or agreements, or purchasing financial products and services from, or through that provider. HelpCompare.com.au does not guarantee, warrant or endorse, the services of these professionals and will not be liable for any loss caused directly or indirectly by any such service provider.

Furthermore, users who participate in, or contribute to forums, discussions, clubs and similar services, whether provided developed by, or facilitated by HelpCompare.com.au, accept that we have the right to amend, exclude, dismiss, remove any content the contravenes the policies of the hosted service provider, or our own quality control. Examples would include offensive, factually incorrect, or comments that might be deemed inappropriate, defamatory or contravening any other applicable laws.

What are the technical requirements for accessing the website and the ‘information services’

Users will need to be using a computer that has internet access and a modern browser.

Users will also be required to provide a valid e-mail address and contact details, in order to receive confirmation e-mails including the ‘results’ link.

What are HelpCompare.com.au’s rights to change or vary the services and website information?

HelpCompare.com.au will, at times, need to review, amend and change these terms and conditions, and may do so at anytime. In the event that we do, will communicate this too you through this section of the website and you agree that you will be able to access the revised terms within this section. We may need to do this because we have added new services, or changed existing services. Any revised terms will be effective immediately upon publication by us on this website. For whatever reason, you can access the Terms and Conditions of Use – here.

Is HelpCompare.com.au providing financial advice?

No. HelpCompare.com.au is not a financial advice business, and does not provide financial advice. HelpCompare.com.au provides information, and information only, to help users make informed decisions for themselves. We recommend our users seek independent financial advice or the services of a qualified, and licensed broker before purchasing financial products from finance providers.

Can you rely on the services provided by websites we link to? – ‘Third party websites’ or ‘Affiliates’

Whilst we do provide links to other websites through inclusion in our services, our editorial content or advertising and or affiliation, you accept that HelpCompare.com.au does not endorse or warrant, and is not liable for, the delivery, quality or efficacy of these services. We recommend that you take all reasonable precautions and or actions to protect your interests from such third parties.

What is not/can’t be guaranteed by HelpCompare.com.au

Unfortunately we cannot guarantee that you will have 24-hour uninterrupted access to our site, as this may depend, in some cases on your own Internet provider or computer settings. Similarly you accept that the content within HelpCompare.com.au and the associated files and program codes, software and downloadable files may not be accurate or error free for the purposes you may have and as such you must make your own assessment of the value of these for the purposes you choose. HelpCompare.com.au does not warrant that these files and programs are free of infection, viruses, worms or other malicious properties.

What is the Copyright on HelpCompare.com.au?

All the material, content and services within this website are protected by copyright which is owned by IISG Pty Ltd or its licensors. To the extent permitted by law, you must not use, reproduce, modify, distribute or publish material without our express prior written consent, which we may give or withhold in our sole discretion.

What are the limited liabilities and implied warranties of HelpCompare.com.au

All of the reports and data utilised within this website for the purposes for the purposes of creating shortlisted product comparisons, is done so using third party data suppliers or data collected directly from the financial institutions contained. As such we can’t guarantee or warrant the accuracy of this information, nor accept liability for the reliance of such information. Subject to any implied warranties which may not be excluded (see below), HelpCompare.com.au excludes all warranties express or implied and shall not be liable to any person for any loos, cost, liability or expense arising directly or indirectly in connection with our service, whether arising in contract, tort (including negligence) or otherwise. Furthermore we do not accept liability for the acts or omissions of others including but not limited to those that supply the data and the statistical information used to compile our shortlists and product comparisons.

In cases where there is an implied warranty that the law states can not be excluded, our liability is limited, to the extent permitted by law, to any of the following options at our discretion;

a. the re-supply of services or
b. payment of the cost of the resupply of services or
c. the replacement or repair of goods or
d. payment of the cost of replacement or repair

Under no circumstances shall HelpCompare.com.au be liable for any indirect, consequential or other economic loss (including, without limitation, loss of profits) howsoever arising.

What are the applicable laws, or what jurisdiction does HelpCompare.com.au operate within?

HelpCompare.com.au is a 100% Australian Owned company and operates within the governing jurisdictions and relevant laws of Victoria and the Commonwealth of Australia. Your use of our services is subject to these laws. Whilst access is available to users from outside Australia, HelpCompare.com.au makes no representations that our ‘information services’ comply with the laws of any country outside Australia.

What relevant trade marks apply?

Our trade marks (whether registered or unregistered) must not be used without the express written consent of IISG Pty Ltd.

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Interest Rates in Australia

RBA Cash Rate:

1.50%

Next RBA meeting:

2/05/2017

Last months RBA Decision

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RBA Rate Change last 12 mths:

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