Terms of Use

Acceptance of these terms

By accessing or using Personal Loan Finder, you agree to these Terms of Use. If you do not agree, you should stop using the website.

Using this website

You may use Personal Loan Finder for your own personal, lawful and non-commercial use. You must not misuse the site, interfere with its operation, attempt unauthorised access, upload malicious code, submit deliberately false information through forms, or use the site in a way that could damage the site or other users.

General information only

The content on this site is general information only. It is not personal financial advice, legal advice or a recommendation that a particular product is right for your circumstances.

You should consider your own objectives, financial situation and needs, and you should review provider documentation and current product terms before relying on a loan product, offer or example shown on the site.

No guarantee of approval or product availability

We do not guarantee approval, product availability, rates, fees, funding timeframes or lender decisions. Product information can change, and any decision to proceed should be based on current provider terms and your own circumstances.

Website tools and calculators

Any calculator, estimate, comparison tool or worked example on the site is illustrative only unless stated otherwise. These tools are designed to help users think through options more clearly, not to guarantee a result, approval outcome or exact repayment figure from a lender.

Intellectual property and permitted use

Unless stated otherwise, the content on this site is owned by or licensed to Rate Challenge and the businesses operating within the Rate Challenge Group. You may view and use the content for personal, non-commercial use, but you must not copy, republish, scrape, reproduce, modify or distribute substantial parts of the site without permission, except where the law allows it.

Forms and enquiries

If you submit an enquiry through the site, you agree to provide accurate information to the best of your knowledge. Enquiry information may be handled through the Rate Challenge Group process and may be passed to the broker or business handling the next stage of the enquiry.

Our handling of personal information is explained in the Privacy Policy.

Third-party links and providers

The site may include links to third-party websites or may refer you to a provider, partner or broker. We are not responsible for third-party websites, content, products or services, and their own terms, privacy policies and product documents may apply.

If you choose to deal with a third party, that relationship is subject to the third party’s own terms and requirements.

Accuracy and availability

We aim to keep the site useful and reasonably up to date, but we do not warrant that every page will always be complete, current, uninterrupted, secure or error-free. Content, product details and website features may change without notice, and the site may be unavailable from time to time.

Liability

To the maximum extent permitted by law, we exclude liability for loss or damage arising from your use of, or inability to use, the site, or from reliance on general information, examples, calculators, comparisons or third-party content made available through the site.

Nothing in these Terms of Use excludes, restricts or modifies any consumer right, guarantee or other protection that cannot lawfully be excluded under applicable law.

Misuse of the site

You agree not to use the site unlawfully or in a way that could damage the site, its systems, its operators or other users. If you knowingly misuse the site or submit deliberately false or harmful information, we may suspend access, reject the enquiry or take other reasonable action.

Who operates the site

Personal Loan Finder is operated by Rate Challenge and forms part of the Rate Challenge Group.

Privacy

Your use of the site may also involve the collection and handling of personal information. Please read the Privacy Policy to understand how personal information is collected, used and handled.

Changes to these terms

We may update these Terms of Use from time to time. The current version will be published on this page with the updated date.

Governing law

These Terms of Use are governed by the laws applicable in Australia. If a dispute arises in connection with your use of the site, the parties agree to submit to the courts that have jurisdiction to hear the matter.

Contact details

If you have questions about these Terms of Use, contact us using the details on the Contact page or by using the details above.

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