Welcome

Welcome to Compare Finance Options.

We operate a free online referral platform connecting Australian consumers and businesses with licensed finance brokers, lenders and funders across Australia.

These Terms & Conditions (“Terms”) explain how our services operate and set out your rights and obligations when using our website and related services.

When we refer to the “Services”, we mean:

Our website

Any online enquiry forms

Referral services

Quote matching services

Any associated communication or support services

By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree, you must not use the Services.

We may update these Terms from time to time. Continued use of the Services after changes are published constitutes acceptance of the updated Terms.

2. Eligibility

You may only use the Services if:

You are at least 18 years old, or

You have the consent of a legal guardian; and

You have the legal capacity to enter into binding contracts.

If you use the Services on behalf of a business, you confirm you have authority to bind that business.

3. How Our Service Works

Submitting an Enquiry

You may submit an enquiry through our website to request finance options or express interest in a product or service.

To do this, you will be required to provide personal information such as contact details and relevant financial or asset information.

Initial Contact

After submitting an enquiry, we may contact you by phone, email or SMS to:

Confirm your details

Clarify your requirements

Verify identity

Determine suitability for referral

This contact is provided at no cost to you.

Referral to Brokers or Lenders

Once verified, we may provide your details to one or more licensed brokers, lenders or funders within our network (“Providers”).

Providers may contact you directly to:

Provide tailored finance quotes

Request further documentation

Continue discussions regarding your enquiry

All quotes are provided directly by the Provider, not by Compare Finance Options.

4. Introduction Fee

We do not charge you for using our referral service.

We may receive a one-off introduction fee or commission from a Provider if your enquiry proceeds. This fee is paid by the Provider and does not increase the cost of your finance product.

5. Privacy

Your use of our Services is also governed by our Privacy Policy.

By using our Services, you agree to the collection, use and disclosure of your information in accordance with that policy.

6. Acceptable Use

You agree that you will not:

Copy, modify or reproduce any part of the Website without written consent

Use the Website for unlawful or fraudulent purposes

Distribute spam, bulk messages or unsolicited commercial material

Attempt to access restricted areas of our systems

Interfere with security features

Upload viruses or malicious code

Conduct automated scraping, crawling or data harvesting

Damage our reputation or act contrary to our legitimate business interests

You are responsible for ensuring anyone accessing the Services on your behalf complies with these Terms.

7. Intellectual Property

All content on the Website — including text, graphics, logos, branding, software and design — is owned or licensed by us and protected by intellectual property laws.

You may only use the Website content for personal use in connection with obtaining finance information.

8. Third Party Content & Links

Our Website may contain:

Links to third-party websites

Information provided by third parties

We do not control and are not responsible for third-party content, websites or services.

Any engagement you have with a Provider forms a separate agreement between you and that Provider.

9. Nature of Our Role

Compare Finance Options is an introduction and referral service only.

We:

Do not provide financial advice

Do not provide credit assistance

Are not a party to any finance contract

Do not guarantee approval, rates or outcomes

Do not guarantee cost savings

Any contract for goods or services is strictly between you and the Provider.

You are responsible for conducting your own due diligence before entering into any finance agreement.

10. Disputes with Providers

If you have a complaint or dispute regarding a Provider, you must first attempt to resolve the issue directly with that Provider.

If resolution cannot be reached, you may notify us and we will use reasonable efforts to assist, but we are not responsible for Provider decisions or outcomes.

11. Reviews

If we allow reviews:

Reviews must be truthful and based on your own genuine experience

You must not post misleading, defamatory or offensive content

We may remove reviews at our discretion

We are not responsible for user-generated content

You may only review Providers where you have had a genuine service interaction within the last 12 months.

12. Service Availability

The Services are provided “as is”.

We do not guarantee that:

The Website will be uninterrupted or error-free

Information is always current or accurate

Communications will be delivered without delay

The Website will be free from viruses or harmful code

You are responsible for implementing your own security safeguards.

13. Limitation of Liability

To the maximum extent permitted by law:

Our total liability to you for any loss or damage arising from use of the Services is limited to AUD $100.

We are not liable for indirect, incidental, special or consequential loss.

We are not responsible for Provider goods or services.

Nothing in these Terms excludes rights that cannot legally be excluded under Australian Consumer Law.

14. Indemnity

You agree to indemnify and hold us harmless against any claims, losses or liabilities arising from:

Your misuse of the Services

Your breach of these Terms

Your dealings with Providers

15. Governing Law

These Terms are governed by the laws of Victoria, Australia.

You submit to the exclusive jurisdiction of the courts of Victoria.

16. Location of Services

Our Services are operated from Australia.

Access from outside Australia is at your own risk and subject to local laws.

Referral & Comparison Disclaimer

Compare Finance Options is an online referral platform.

We connect customers with selected brokers, lenders and funders within our network.

We do not compare every finance product in the Australian market. Product availability may change without notice. Not all products are available to all customers.

Quotes and finance contracts are issued directly by the relevant Provider. Any ongoing relationship regarding finance products continues directly between you and the Provider.

We receive a one-off introduction commission from Providers where finance proceeds. We do not charge customers a fee for our referral service.

Brands or funders mentioned on this Website reflect commercial relationships held within our broker and funder network.