NerdWallet Australia Terms of Use
Last Updated: 15 June 2024
IMPORTANT – PLEASE READ THESE TERMS BEFORE USING THE SITE
By using or accessing the NerdWallet Australia website, NerdWallet.com/au/ (“the Site”), you accept the Terms of Use (the “Terms”) set out on this page and in the Privacy Policy. If you do not accept or agree to these Terms you must not visit or use the Site. If we request that you stop using the Site, you must immediately comply with that request.
1. The Site
The Site is owned and operated by NerdWallet Australia Pty Ltd (ABN 69 667 317 857) (“NerdWallet Australia”) Australian Financial Services Licence and Australian Credit Licence No: 554604. NerdWallet Australia is a wholly owned subsidiary of NerdWallet Inc., a company registered in the US. (NerdWallet Inc. and NerdWallet Australia Pty are referred to as “We”, “Us”, “Our”).
2. Changes
We may make changes to these Terms from time to time without notice. Changes will be effective immediately upon posting of the modified Terms on the Site. Your continued use of the Site following any changes to the Terms will constitute your acceptance of the revised Terms.
3. Our Services
NerdWallet Australia is licensed under the Corporations Act 2001 to provide certain financial services and is licensed under the National Consumer Credit Protection Act 2009 to provide certain credit services. These services are described in our Financial Services Guide and Credit Guide, which we are required to provide to you before we provide any financial services or credit services. Please read the Guide carefully.
We reserve the right to improve, amend, or suspend any of our services provided on the Site at any time without notice.
The content that we publish on our website provides factual information and general advice about financial products and factual information and general commentary about credit products. The content is prepared without taking into account the objectives, financial situation or needs of any person, and is not intended to suggest that any person apply for, dispose of, retain or vary any particular product or any type of product. Before acting on any content we publish you should consider the appropriateness of that content having regard to your own objectives, financial situations and needs, and also consider whether you should seek professional advice.
You may receive disclosure documents from product issuers or credit providers, where you access their website through a link on our website. You should read the disclosure documents carefully, as they provide important information to help you make an informed decision about the product.
Any reference to the past performance of a product or product provider is not necessarily indicative of future performance.
We make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published on the Site. Content describing third party products and services must be confirmed with the third party. Rates indicated may be available to new customers only or may include special rates available for a limited time.
4. Limitations on our liability
The information we provide on the Site is based on information collected from a variety of sources, including third party providers of the products and services and from our own research. The information contained on the Site may contain technical inaccuracies or typographical errors. Although we take care to ensure the information on the Site is accurate at the time of publication, and to correct any errors as soon as practicable after we become aware of them, we do not warrant or guarantee the accuracy of any information on the Site, and we assume no responsibility or obligation to provide updates on any published statement or report. It is your responsibility to verify such information to your own satisfaction and we accept no liability whatsoever for any errors, and to the fullest extent permitted by law we disclaim all liability arising from persons acting on content we publish on the Site.
To the fullest extent permitted by law, neither NerdWallet Inc., NerdWallet Australia nor any of their directors, employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this Site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.
The Internet is not a secure medium and we provide no guarantees as to the reliability or security of the Site, or that it will be continuously available or error free or free from viruses, spyware, malicious software or anything else which may have a harmful effect on your computer. You are responsible for taking all reasonable steps to protect your computer including using up to date anti-virus software. We disclaim all liability to You to the full extent permitted by law in circumstances where You suffer loss or damage as a result of use of our Site.
Notwithstanding the preceding paragraphs in this section, none of the exclusions and limitations in these Terms are intended to limit any rights you may have as a consumer under Australian financial services law or consumer law or other statutory rights which cannot be excluded.
5. Permitted use of material on Site
You may use and download material displayed on the Site for your own personal non-commercial use provided that you do not remove any copyright and trade mark notices contained on the material and are not otherwise in breach of these Terms (Permitted Use).
6. Restrictions on use of material on Site
You must not use the Site or any material contained on or in the Site for any purpose except for the Permitted Use described in section 5. You must not reproduce, copy, adapt, modify, download, publish, transmit, distribute, or otherwise make the Site or any material contained on or in the Site available to any other person in any media whatsoever.
7. Third Party Information
You should conduct your own checks with the relevant product provider before acting on information contained on the Site. It is possible that information provided by third parties or in links to third party websites may be incomplete, inaccurate or out of date.
The description of products and services on the Site may not represent a complete description of all the features and terms and conditions of such products and services. We have no control over the third parties who provide the products or services referred to on the Site and do not accept any responsibility or liability for any losses or damages that you may suffer in connection with any product or service that you purchase from such third parties.
You should carry out your own research into any specific products before purchasing these and where appropriate obtain suitable independent advice.
Before you obtain any product or service from a third party you must ensure that you are satisfied that the product or service is suitable for all of your requirements and that the terms and conditions on which the third party supplies such products or services are acceptable to you.
8. Links
Our Site may contain links to third party websites, including websites of product providers. Where we provide these links, that is not an endorsement or recommendation of any material on those linked websites or any third party products and services offered by, from or through those sites. We do not control the content displayed by third parties accessible via those links. We do not provide any guarantees or accept any liability in respect of third party sites, including for any products, services, information or recommendations given by third party product providers. The use of third party websites and the purchase of a product or service from third party websites are done entirely at your own risk. Your contract will be with the third party product or service provider and not us. You should ensure that you fully understand the product or service that you propose to purchase and the terms of the third party supplier’s contract with you.
NerdWallet Australia proposes to enter into referral arrangements from time to time with product issuers and credit providers that will have links to our Site. We will be paid a fee for referrals under these arrangements. When we have referral arrangements in place, consumers will be able to request details of the referral fees applicable to a product or service they are interested in.
9. Privacy Policy
Collection and use of any personal information that you provide to us through the Site is governed by our Privacy Policy. For further details on how we collect, use, disclose and store your personal information, please refer to the Privacy Policy.
When you provide information to any third party who you may have linked to from our Site, whether through their website, over the phone or otherwise, use of your personal information will be subject to that third party’s terms and policies.
10. Intellectual Property
See sections 4 and 5 in relation to Permitted Use of the Site and material contained on or in the Site.
We reserve all intellectual property rights in material displayed on, available on, or embedded in the Site, including content, data and other information, logos, brand names, trade marks, copyright works, service names, and rights in underlying source code, software, and layout. Any unauthorised use of these materials may infringe our (or our licensors’) intellectual property rights or other legal protections, and we reserve our rights to take such action as is necessary to protect and enforce these rights.
11. Indemnity
To the extent permitted by law, you agree to indemnify and keep indemnified us, our directors, officers, agents, sponsors, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of or in connection with your use of the Site or any breach of these Terms by you.
12. Contacting Us
The address for all correspondence relating to the Site is 55 Hawthorne St., 10th Floor, San Francisco, CA 94105, U.S.A., or please email us at [email protected].
Please contact us immediately if you identify any error on the site or any material that you consider to be offensive, indecent, dishonest, inaccurate or illegal.
13. General
We only provide this service to you within, and to use in, Australia and reserve the right to restrict or prohibit access to any person not based within the jurisdiction of Australia and accept no liability if you access the Site from outside this jurisdiction and rely upon the Site’s contents. We make no representation that any product or service referred to in the Site is available or otherwise suitable for use outside Australia.
If any provision of these Terms is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms and the remainder of the provision in question shall not be affected.
These Terms constitute the entire agreement between you and us in relation to access to the Site, supersede any previous agreement or understanding and may not be varied except in writing by us. All other Terms, express or implied by statute or otherwise, are excluded to the fullest extent permitted by law.
These Terms are governed by and shall be construed in accordance with the laws of New South Wales, Australia. Any dispute will be under the exclusive jurisdiction of the courts of New South Wales, Australia.