Terms and Conditions

These are the Terms and Conditions of use of the website. By using the website, you agree to abide by these Terms and Conditions of Use.
ChooseMyBank is an information service that provides you with the tools and information you need to compare a wide range of products, providers and services. We do not provide information on all available products, providers or services so please appreciate that there may be other options available to you then the products, providers or services covered by our service. You should consider seeking financial advice and consider your own personal financial circumstances when comparing products.
In order to provide you with quotes, comparisons, factual information or advice we may need to collect some basic information about you such as your age, gender and occupation. By clicking "quote" or "enquiry" buttons, you are authorising us to provide your information to an adviser or broker who will call you to provide you with personal advice about your options and available products. By doing this you are also consenting to us retaining your personal information so that we can contact you about other relevant services that we think might interest you (but you can "opt out" of this process at any time by simply withdrawing your consent). If we refer you to a Broker, please understand that the broker may only be able to assist on select range of products and may not be able to assist you with a specific product/provider. Therefore before you act or commit to any plan, confirm the scope of the products on which the broker can advise and make sure that you understand the consequences and implications of any restrictions
We compare insurance data, basic information such as interest rates and application fees. We do not assess if a particular product is suitable for you. Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. Please understand that your particular circumstances, choices and preferences may also restrict the number of products available to you.
By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
We are not a product manufacturer nor are we owned by a bank, insurer or product manufacturer. While in some cases we may provide you with general financial product advice we don't, and won't, recommend specific providers, products or services. We want to provide you with the information and confidence to make an informed decision but we don't know enough about you to provide you with personal advice about your specific needs or circumstances.
We endeavour to ensure that the information and other content on our website is accurate and current but we can't guarantee the accuracy or currency of the information on which we've relied. We suggest that you use your own judgment and read the Product Disclosure Statement before you make any decision about a financial product covered by our site. If you find an error in our data please let us know and we'll correct our site.
To the extent permitted by law, ChooseMyBank disclaims all liability to any person in relation to use of the website, and you waive all claims against ChooseMyBank in relation to your use of the website. ChooseMyBank accepts no liability for any interference with or damage to a user's computer, software or data occurring in connection with or relating to the website or its use or any website linked to this website, and does not represent or warrant that our site or any site linked to ours will always be accessible. Nor do we represent or warrant that any applications initiated through our website will in fact be received or made to the intended recipient. Users are advised to confirm the application by other means.
Policy or product costs listed on our site (particularly in respect to insurance products) are approximations based on available data. The Provider of the product ultimately determines the price and terms of the cover they provide and the actual cost charged by the Provider may vary from the approximation quoted by us.
Our properties may feature Nielsen proprietary management software, which will allow you to contribute to market research, like Digital Content Ratings. To learn more about the information that Nielsen software may collect and your choices with regard to it, please see the Nielsen Digital Measurement Privacy Policy at http://www.nielsen.com/digitalprivacy
If you have a complaint or dispute in relation our service, please email our complaints handling office using the following email address: complaints@choosemybank.com
The website includes links to other websites operated by community, business and government. These linked websites will have their own terms and conditions of use and you should familiarise yourself with these. All linked websites are linked "as is" and ChooseMyBank does not sponsor, endorse or necessarily approve of any material on websites linked from or to this site; does not make any warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of any material on websites linked from or to this site; does not make any warranties or representations that material on other websites to which this site is linked does not infringe the intellectual property rights of any person anywhere in the world; and does not authorise the infringement of any intellectual property rights contained in material in other websites by linking the website to those other websites.
The information and data on the website is subject to change without notice.
ChooseMyBank may revise the Terms and Conditions of Use at any time by updating this posting. We encourage you to monitor this page and understand how are services evolve over time.
Unless expressly stated otherwise, ChooseMyBank claims copyright ownership of all material on the website. You may download, display, print and reproduce this material in unaltered form (attaching a copy of this notice) for your personal, non-commercial use. ChooseMyBank reserves the right to revoke such permission at any time. Apart from this permission and uses permitted under the Copyright Act 1968 (Cth), all other rights are reserved.

Selection & ordering of products

The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market.
There is no perfect order or perfect ranking system for the products we list on our Site so we've provided you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
The products listed in the tables on our website are selected based on a number of features including but not limited to:

Features: including, but not limited to interest rates, annual fees and penalty fees.
Offers: the availability of offers in relation to particular products.
Access: whether a financial institution is offering a particular product at a particular time.

Important information

Range: Comparisons are not intended to be comprehensive of the market of available products and not all providers in the market will be included in our comparisons.
Promotions and Advertisements: Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. ChooseMyBank may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. ChooseMyBank's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
Ranking: Where products appear on this Site they should not be taken as ranking or endorsing any particular product above another in terms of its suitability for your use.
Preferences: The identification of a group of products, as ‘Top’ or ‘Best’ is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Qualification: Financial products compared do not compare features that may be relevant to you in your choices about which product to utilise. Where we state that we have analysed offers in the market, the process of analysis is restricted to the information subsequently disclosed and may not be suitable for your personal circumstances.
Remuneration: Where our Site links to particular products or displays 'Enquire now', "Add to Cart", "Go to Site' or similar 'call to action' buttons, we may receive a commission, referral fee or payment in relation to your clicking of this link. In some cases we may receive remuneration for referring you to an adviser or product issuer. These arrangements vary but if you are referred to an adviser they will tell you what referral arrangements are in place.
Deals and Offers: For offers, coupons, deals and discounts, we work hard to ensure that the product and promotional information on our site is current and correct at the time of publication, but providers may subsequently restrict offers, apply additional terms or only have limited qualities available. All deals and offers are subject to availability. Always check the provider's website before applying for, or purchasing, anything.
News: Posts marked as "News" are true and correct at the time of publication but are neither maintained nor subsequently amended. As a static record, News may, over time, contradict, or appear to contradict, the dynamic information (such as product information) we display in tables on our site. We encourage you to use the tools and information we provide to find the best option for you.