1. Introduction

1.1 All access to and use of this Website is subject to these terms and conditions (“Terms of Use”). By accessing and using this Website you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you are not permitted to access and use this Website and you should immediately cease accessing and using this Website.

1.2 If you breach any provision of these Terms of Use then your right to access and use this Website will immediately cease.

1.3 This Website is intended for use by Australian residents only, aged 18 years and over. You should note that this Website (including products, price references and product descriptions) is frequently updated. Products may be withdrawn at any time, without notice.

1.4 We may amend these Terms of Use at any time and so we recommend that you refer to these Terms of Use each time you use this Website. The amended Terms of Use will be effective from the date they are posted on this Website. Your continued use of this Website will constitute your acceptance of the amended Terms of Use.

2. Privacy Policy

2.1 We take your privacy seriously. Please visit our Privacy Policy to find out how we use the information that you provide to us. Your use of this Website is at all times subject to the provisions of our Privacy Policy.

3. Third party products

3.1 You can apply for a number of products via this Website. These products are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product before doing so. Before making a decision to purchase a product, you should consult the relevant product documents. The presence of a product on this Website does not constitute an endorsement by us of the provider, the product, the content of the provider’s website, or the activities of the provider.

3.2 All product prices are quoted in Australian dollars.

3.3 We are not responsible or liable for any loss or damage you or any third party may suffer or incur in connection with any product you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product.

3.4 This Website contains statements regarding the terms of the products, including features and inclusions. Some of these statements are generalised in order to give you a summary of the products being compared. However, not all products are the same and you should confirm the exact terms of any product that you intend to purchase prior to purchasing that product. The product information supplied on the website is available only to Australian residents.

3.5 By submitting your personal details through this Website, you are able to make an offer to obtain a product from a third party provider. That offer may be accepted or rejected. The contract for the product will only be concluded once your offer has been accepted by the relevant third party provider. If your offer is accepted then the product will be provided to you, subject to the third party provider’s terms and conditions. You will receive written confirmation if your offer has been accepted.

4. The One Stop Utility service and how we are paid

4.1 We receive payment from the third party product providers when you use our service to purchase products from them.

5. Permitted use

5.1 You are only permitted to use this Website for personal use, subject to your compliance with these Terms of Use. Commercial use of this Website is strictly prohibited

5.2 You are not permitted to do anything that may affect the security of this Website or any information or material stored within it.

5.3 You agree not to:

(a) use any automated tool (such as a spider, robot or aggregation tool) to access, copy or extract such information;

(b) copy or disclose to any person, any Website content, other than as expressly permitted by these Terms of Use;

(c) use any method or process (including data scraping, collection or accumulation tool, robot, spider or scripted responses) for the purpose of obtaining, processing, copying, replicating, distributing, reconfiguring, republishing, viewing, assessing, analysing, modifying or repackaging any Website content;

(d) use any method or process to consolidate or combine any Website content with any other content, data, information, images or material;

(e) reverse engineer, disassemble or otherwise attempt to construct or identify this Website’s source code, formulas or processes;

(f) use systematic, repetitive or any other methods which are designed to obtain a large number of quotes, comparisons, rankings or other pricing and related information from this Website;

(g) use, obtain or attempt to obtain from this Website, information in order to identify or discover pricing, underwriting, rating and related business methodology or systems; or

(h) post, distribute or send any ‘spamming material’ or any other form of bulk communication.

5.4 You are not permitted to use this Website in any unlawful or fraudulent manner.

5.5 You agree that if you provide any information on this Website, that information will be true, accurate and complete.

6. Indemnity

6.1 You agree to indemnify us, our directors, employees, agents, and contractors for any loss suffered, or any costs that may be incurred arising from your breach of these Terms of Use or your use of this Website

7. General

7.1 If any part of these Terms of Use is determined to be legally invalid or unenforceable, such provision will be superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the terms will continue unaffected.

7.2 You or we will not be prevented from taking any further action if you or we fail to enforce the rights granted under these Terms of Use.

7.3 These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supersedes any prior agreements (including any previous terms of use of this Website).

8. Governing law

8.1 These Terms of Use and your access to and use of this Website is governed by and will be interpreted in accordance with the laws of Victoria, Australia.

8.2 Each of you and us submits to the non-exclusive jurisdiction of the courts of Victoria, Australia in connection with these Terms of Use and your access to and use of this Website.