Credit Guide

A Guide to the services we provide

About​ ​Us

Hive Empire Pty Ltd ABN 18 118 725 125 trading as finder.com.au is an Australian Credit Licensee (no. 385509).

We are physically located at Level 10, 95-99 York Street, Sydney NSW 2000 but you might find it more convenient to locate us at finder.com.au.

The​ ​purpose​ ​of​ ​this​ ​document

This Guide provides you with important information about our obligations and your rights in relation to consumer lending products regulated by the National Credit Code.

The Credit Guide is designed to help you understand the services that we are authorised to provide and to decide whether you wish to use the comparative information services we offer.

Our​ ​services

finder.com.au was established to provide consumers with the information and tools they need to understand and compare a range of products and services – including home loans, credit cards and personal loans. The information we make available to you is often provided by the credit providers themselves or sourced from them.

It’s important that you understand that by providing you with information we are not providing credit assistance or suggesting or assisting you to apply for, remain in, or increase your credit limit with a particular credit provider. If we refer you to a credit provider or provider of credit assistance you will be dealing directly with them and not with us.

We believe that by helping you to compare and better understand consumer credit products we’re helping you to take control of your financial situation. The factual information and general advice we provide can help you make better decisions and free you from financial anxiety. We don’t provide advice and we won’t recommend that a particular credit product is suitable for you or appropriate for requirements and objectives.

Our​ ​products​ ​and​ ​services

We provide comparative information and general advice on Credit cards, Home loans, Residential property investment loans, and Personal loans. Although we provide information on the products offered by a wide range of providers, we don’t cover every product available and you should consider whether the products featured on our site are appropriate for your needs. The advice we provide is in the form of comparative information on consumer credit products listed on our website.

We can provide you with information on these products and, should you wish to purchase a product, we can refer you to the product provider.

Product​ ​Information

Should you decide to purchase any of the products about which we provide factual information or general advice, we encourage you to read the Terms and Conditions for that product.

If you have more questions about the products or their terms and conditions, or wonder whether a particular product will suit you, we recommend that you obtain professional advice.

Remuneration​ ​and​ ​costs

Hive Empire is independently owned so the services we provide are not directly influenced by product manufacturers. We are however a commercial enterprise and we do receive remuneration from product issuers should you proceed to arrange a policy or open an account.

We earn income from generating qualified referrals to financial institutions. A referral is generated when you visit a financial institution's website via a link from our website. If you visit a provider's website via our website, we may get paid either for that click itself or if you transact with the provider. Some examples include applying for insurance, opening a savings account or completing an application form on the provider’s website. We receive commission share on referrals to third party advice providers and they will disclose this in their advice to you. We also generate revenue from display advertising that includes banner advertisements.

We may also receive remuneration for referring you to a product or advice provider. However, our staff are salaried employees and do not receive any additional benefits that may influence the general advice or factual information that they provide to you.

Protecting​ ​your​ ​privacy

The privacy of your personal information is important to us and we respect your confidentiality.

We won’t ask you for information we don’t need but, in order to some comparative information, we may collect some personal information from you.

You have the right not to provide the personal information we request, but this may compromise the effectiveness of the advice or information you receive. Rest assured that any personal information we collect or receive will be handled in accordance with our Privacy Policy.

Feedback​ ​and​ ​dispute​ ​resolution

We welcome your feedback on the information and service we provide and we encourage you to submit your views via our website. While we hope that you’ll be delighted with our service, if you do have any problems or concerns please contact us directly at complaints@hiveempire.com. If you’re not satisfied with our response, you may refer your complaint to the Credit and Investments Ombudsman (“CIO”), of which Hive Empire is a member (Membership Number M0006419).

After 31 October 2018, please refer your complaint to the Australian Financial Complaints Authority (AFCA) on 1800 931 678.

Alternatively, if your complaint related to privacy issues you may refer your complaint to the Office of the Australian Information Commissioner by calling 1300​ ​363​ ​992

Date: October 2018

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