3. Comparison Service Terms of Use

Date: 12 August 2026

3.1 Our Relationship

These Comparison Service Terms of Use (Comparison Service Terms) govern your use of the Comparison Service on the Online Platform, including the following Sites operated by Finder:

(a) Finder.com.au Site located at www.finder.com.au;

(b) Finder Shopping Site located at www.findershopping.com.au; and

These Comparison Service Terms form part of, and are incorporated by reference into, the Terms of Service. Unless otherwise expressly defined in these Comparison Service Terms, capitalised words and phrases used in these Comparison Service Terms have the meaning given in the Terms of Service.

3.2 Comparison Service

We provide general information and factual advertisements on the Online Platform so that you can compare our Partners' products and services from the range we make available. You may click a link to be redirected to a Partner's website or complete an online form to request a quote or other contact from the Partner (Comparison Service).

How the Comparison Service works

By using the Comparison Service, you acknowledge and agree that:

we may filter which products and services we display to you based on information you have shared with us in accordance with the Finder Group Privacy Policy, including information from your use of the Credit Score Service;
we do not consider your objectives, needs, financial situation or other personal circumstances when deciding whether to display a product or service. Information we provide is factual information or general advice only — it is not personal advice of any nature (including legal, taxation, financial or other advice about the suitability or appropriateness of any product or service);
the display of a product or service is not a recommendation or endorsement by us. We are not a product issuer, and we are not owned by a bank, insurer or product issuer; and
you should obtain independent advice from a licensed adviser before applying for or acquiring any product or service displayed to you.

Referral consent

By clicking 'quote' or 'enquiry' buttons, you consent to us disclosing your information to the relevant adviser, broker or Partner so that they may contact you about the product or service you enquired about, by phone, email or SMS. If we refer you to a broker, the broker may only be able to assist on a select range of products — confirm the scope of the broker's advice before you act.

Other marketing

Separately, we may seek your consent to contact you about other products, services or offers we think may interest you. The rules that apply to that consent are set out in the Finder Group Privacy Policy.

Product-specific notes

Obtaining an insurance quote through us does not guarantee you can obtain the insurance — acceptance depends on the insurer's underwriting criteria (for example, occupation, health and lifestyle). If we indicate your likelihood of approval for a credit product, this is not a guarantee — your application is determined solely by the credit provider on its own terms and criteria. We may receive a commission from a Partner for referrals.

Accuracy

We endeavour to ensure information on the Online Platform is accurate and current but cannot guarantee accuracy or currency. Product costs (particularly for insurance) are approximations; the Partner ultimately determines price and terms. If you find an error, please let us know.

Third-party links

The Online Platform links to other websites operated by Partners and third parties. Linked websites have their own terms. Finder does not endorse, warrant or accept responsibility for the content, quality or accuracy of any linked website.

Availability

Information on the Online Platform is subject to change without notice. We do not warrant that the Online Platform or any linked website will always be accessible, or that any application initiated through the Online Platform will be received by or delivered to the intended recipient. You should confirm applications by other means where necessary.

Liability

Subject to any Non-Excludable Provision (as defined in section 1.21 of the Terms of Service), and to the maximum extent permitted by law:

Finder excludes all express and implied guarantees, warranties, representations, statements, terms and conditions in relation to the Comparison Service, the Online Platform and its content, other than those expressly set out in these Comparison Service Terms and the Terms of Service; and
Finder is not liable for any loss or damage arising from or in connection with:

(a) your use of, or reliance on, the Comparison Service or the Online Platform;

(b) any inaccuracy, error, omission or interruption in the information or content on the Online Platform;

(d) any interference with or damage to your computer, mobile device, software or data arising in connection with the Online Platform or any linked website; or

(e) any information, product or service on a website linked from the Online Platform.

Nothing in these Comparison Service Terms excludes, restricts or modifies any Non-Excludable Provision. Where a Non-Excludable Provision applies to a supply of services to you by Finder and Finder is entitled to limit its liability, Finder's liability is limited, at Finder's option, to (A) the supply of the services again, or (B) the payment of the cost of having the services supplied again.

3.3 Finder AI Search

The Online Platform may include a search function that uses artificial intelligence and generative AI technology to help you find information about our Partners' products and services (Finder AI Search).

Finder AI Search is provided for general informational purposes only. Any output generated by Finder AI Search:

(a) may be inaccurate, incomplete, inconsistent, out-of-date or otherwise unreliable;

(b) is not personal financial advice, personal credit advice, legal advice, tax advice or any other form of personal advice, and does not take into account your objectives, financial situation or needs;

(d) should not be relied on in place of the relevant PDS, TMD, terms and conditions or professional advice.

You are responsible for evaluating and verifying any output from Finder AI Search before acting on it. To the maximum extent permitted by law, and subject to any Non-Excludable Provision, Finder is not liable for any loss or damage arising from your reliance on any output of Finder AI Search.

You must not use Finder AI Search:

(a) to develop, train, fine-tune or evaluate any competing artificial intelligence or machine-learning system;

(b) to extract, scrape or replicate our Partners' product data at scale; or

Finder retains all rights in Finder AI Search and its output. You grant Finder a non-exclusive, royalty-free, perpetual licence to use the prompts you submit and the interactions you have with Finder AI Search to operate, improve and secure the Finder AI Search service, subject to the Finder Group Privacy Policy.

3.4 My Products

My Products is a feature offered as part of the Comparison Service that allows you to add information about your current products (by uploading a bank statement or manually) so that Finder can compare products and identify potential savings.

By using My Products, you agree that:

(a) your use of My Products is governed by these Comparison Service Terms;

(b) providing your bank statement or inputting product information does not constitute an application to any provider;

(c) we will use your My Products information to filter the products and services we display to you, in accordance with the My Products Privacy Collection Notice; and

(d) any savings identified using your My Products information are estimates only and may not include all fees, costs or conditions of acquiring the product. You must review the terms and conditions, PDS and any relevant documents from the provider before applying.

3.5 Selection and Ordering of Products

The products compared on the Online Platform are chosen from a range of offers made available to us by our Partners and are not representative of all the products available in the market. There is no perfect order or ranking system, so we provide functionality for you 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. Please do not interpret the display order as an endorsement or recommendation from us. Additional detail is set out in the Advertiser Disclosure available on the Online Platform.

The products listed in the tables on the Online Platform are selected based on features including (but not limited to):

(a) Features — such as interest rates, annual fees and penalty fees;

(b) Offers — the availability of offers in relation to particular products; and

3.6 Advertiser Disclosure

The following disclosures form part of these Comparison Service Terms. Additional detail on our commercial arrangements is set out in the Advertiser Disclosure available on the Online Platform.

Range

Comparisons are not intended to be comprehensive and will not cover all products or providers in the market.

Promotions and advertisements

Products marked as 'Promoted', 'Sponsored', 'Advertisement' or a comparable term are prominently displayed either as a result of a commercial advertising arrangement with our Partners or to highlight a particular product, Partner or feature. Finder may receive remuneration from the Partner if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'Promoted' product is not a recommendation that the product is appropriate for you, nor an indication that the product is the best in its category.

Ranking

Where products appear on the Online Platform should not be taken as ranking or endorsing any particular product above another in terms of its suitability for your use.

Preferences

'Top' or 'Best' identification of a group of products or an individual product 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

Where we state that we have analysed offers in the market, the analysis is restricted to the information disclosed to us and may not be suitable for your personal circumstances.

Remuneration

Where the Online Platform 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 for your click. In some cases we may receive remuneration for referring you to an adviser or Partner. These arrangements vary; 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 keep product and promotional information current, but providers may subsequently restrict offers, apply additional terms or have limited quantities available. All deals and offers are subject to availability. Always check the Partner's website before applying or purchasing.

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 product information we display in tables on the Online Platform.

3.7 User Reviews

Users may submit reviews and other user-generated content to the Online Platform to help others make informed decisions.

Reviews must be genuine

Reviews should reflect the reviewer's actual experience with the product or service. We will not publish reviews that are dishonest, unfair, or that we have reason to believe were written by:

(a) the reviewed business;

(b) a competitor of the reviewed business;

(d) a paid reviewer; or

(e) someone who has not used the product or service.

We suggest that you do not submit a review if you have not used the product or service in the last 12 months.

We do not incentivise reviews

If a review has been solicited in exchange for any benefit, we will disclose that fact on the review.

We do not delete, hide or edit reviews for commercial or promotional reasons

This includes negative reviews of us or our Partners. We will, however, remove or edit content that is inappropriate. Inappropriate content includes content that:

(a) is unlawful, defamatory, obscene, harassing or discriminatory;

(b) infringes intellectual property rights;

(d) contains personal information (for example, TFN, address or phone number);

(e) impersonates another person; or

(f) is submitted using a false identity.

We may block or ban users who repeatedly submit such content.

Ownership

You retain ownership of the content you submit. You grant Finder a perpetual, worldwide, royalty-free, non-exclusive licence to use, reproduce, adapt, publish and display your submitted content, including for advertising, republication, and improving the Services.

The Online Platform is public — do not post anything you do not want to share publicly. If you make a mistake or identify a problem with something you have posted, please contact us.

3.8 Feedback and Complaints

3.8.1 Feedback

Finder aspires to help you make better decisions. You can use the Online Platform to report any problems or issues you have with us, the Online Platform or the Services. We will do our best to resolve them quickly, transparently and fairly.

3.8.2 Internal Dispute Resolution

If you wish to lodge a complaint, we will handle it in accordance with our internal dispute resolution (IDR) process. Our IDR process reflects our commitment to the following principles:

(a) Fairness — equal opportunity to both parties and objective analysis of the issues.

(b) Accessibility — you can make a complaint via the Live Chat facility, the contact channels listed on the Contact Us webpage, letter, telephone, in person or email. If you require our help to submit your complaint, or other accommodations to make our IDR process more accessible, please let us know.

(c) Responsiveness — we will acknowledge your complaint within 1 business day and seek to resolve it at the earliest opportunity, and in any event within 30 days.

(d) Cost — our IDR process is free for complainants.

(e) Confidentiality — any personal information we collect will be handled in accordance with the Finder Group Privacy Policy.

(f) Continuous improvement — we track complaints data (type, subject, outcome and timeliness) and review it regularly to identify systemic issues.

If you are not satisfied with the outcome of our IDR process, you may refer your complaint to the appropriate external dispute resolution scheme (see section 3.8.3). We also maintain a Whistleblower Policy available here.

3.8.3 External Dispute Resolution

If we have not been able to resolve your complaint to your satisfaction, you may escalate it to one of the following independent bodies:

(a) General advice in relation to financial and credit products (including investments, deposit products, superannuation, derivatives, general insurance, life insurance, credit cards, personal loans and home loans) — Australian Financial Complaints Authority (AFCA) on 1800 931 678. For financial products and life insurance, see the Financial Services Guide for Financial Products. For credit products, see the Credit Guide.

(b) Personal information — collection or management — Office of the Australian Information Commissioner (OAIC) on 1300 363 992.

(c) General consumer conduct (including delay, discourteous staff, or poor customer service) — Australian Financial Complaints Authority (AFCA) on 1800 931 678 for financial services matters; otherwise the Australian Competition and Consumer Commission (ACCC) or the relevant State or Territory office of Fair Trading.

Independent EDR services are free for you to access; however, they may not be able to hear your complaint if it falls outside the relevant body's jurisdiction.

3.9 Regulatory Notices

Finder provides factual information and general advice on:

(a) financial products as a Corporate Authorised Representative (CAR 432664) of Finder.com.au Pty Ltd, Australian Financial Services Licence 547310. Refer to our Financial Services Guide for Financial Products for more information; and

(b) credit products under our own Australian Credit Licence 385509. Refer to our Credit Guide for more information.

General advice warning

Any advice we provide on the Comparison Service is general advice only. It does not take into account your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate for you having regard to your objectives, financial situation and needs. Before acquiring a financial product, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) and consider whether you fall within the target market. Before applying for a credit product, you should read the credit provider's terms, conditions and any Credit Guide.

Design and Distribution Obligations

When we display a financial product to you as part of the Comparison Service, we have taken reasonable steps to comply with our obligations as a distributor under Part 7.8A of the Corporations Act. The display of a product does not mean we have determined that the product is appropriate for you, or that you fall within the issuer's target market.

Professional Indemnity Insurance

We maintain professional indemnity insurance covering the information and advice we provide, and the Services. Our policy satisfies the requirements imposed by the Corporations Act 2001 (Cth) and other applicable financial services laws.

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