Finder makes money from featured partners, but editorial opinions are our own.

What are investment accounts and how can they make you money?

Read our quick and simple guide to investment accounts for beginners.

You've probably heard that investment accounts can help you grow your wealth, but with so many options, it can be hard to choose which one is right for you.

There are many different ways to invest your money; financial institutions tailor different accounts to suit different people.

In this guide, you'll read about the different types of investment accounts as well as the benefits and the risks associated with them.

What are investment accounts?

An investment account is a broad term applied to any account that holds cash or investments such as bonds, stocks, ETFs, cryptocurrency or mutual funds.

When you read about investment accounts, it usually means share trading accounts, self managed super fund accounts, term deposits, deeming accounts or retirement accounts.

It's important to note that various types of investment accounts present different risks and returns. Not all of them will be suitable for you, depending on your investment strategy.

What are the different types of investment accounts?

Investment accounts include a number of different financial products. Common types of investment accounts include the following:

  • Share trading investment accounts. You trade securities by using a share trading account. This type of account has features that will appeal to traders, such as free brokerage. A share trading investment account can also be tailored to suit your needs, for example, an investment account can easily be made into an investment loan if you need more capital.
  • SMSFs. An SMSF can include a number of accounts: an account for SMSF savings, an account for day-to-day expenses and an account for trading and investing. SMSF investment accounts are offered by most major financial institutions.
  • Margin loans. A margin loan gives you a line of credit to use to invest. Margin loans can be secured by a property or some other asset, such as a share portfolio. Margin loans can only be used for certain investments, but you can use a margin loan to invest in common types of investment accounts. The downside with margin loans is that your shares can be used as collateral, so if the share price falls, then your shares could be taken by your creditor to cover the loan.
  • Term deposits. This is one of the safest ways to invest your money. It gives a higher return when you lock your money away for longer periods. There's a penalty if you want to access your money before the term deposit matures and there are bonuses if you continue to invest your money once the first investment matures. Term deposit accounts are common and you can easily compare rates and fees using websites such as finder.com.au
  • Cash management accounts. A cash management account is also called a high interest savings account. Like a term deposit, this investment account gives you a guaranteed return on your deposit. Unlike a term deposit, you can earn bonus interest for an introductory period or when you meet certain conditions, such as maintaining a minimum monthly deposit, and you can access your money when you want without penalty.
  • Deeming account/retirement account. This type of investment account is aimed at Australians who are retired or claiming government benefits. Funds in a retirement account accrue interest at a rate tethered to the government's deeming rate — the investment rate of return used to calculate Centrelink benefits. Deeming accounts are offered by most registered deposit taking institutions.

Share Trading Account Offer

IG Share Trading

AUD 0

Standard brokerage - Australian shares

Share Trading Account Offer

Competitive broker fees on Australian shares, international shares, forex and CFD trading

  • Monthly fee: $0.00
  • Brokerage fee - standard trade: $8
  • International: Yes
  • Support - After hours: Yes
Go to site
More info

Important: Share trading carries risk of capital loss.

Promoted

Disclaimer: Trading CFDs and forex on leverage is high-risk and losses could exceed your deposits.

Compare investment accounts

1 - 6 of 6
Name Product Price per trade Inactivity fee Asset class International
eToro
Finder AwardExclusive
eToro
$0
US$10 per month if there’s been no log-in for 12 months
ASX shares, Global shares, US shares, ETFs
Yes
CFD service. Capital at risk.
Finder exclusive: Get 12 months of investment tracking app Delta PRO for free when you fund your eToro account (T&Cs apply).
Join the world’s biggest social trading network when you trade stocks, commodities and currencies from the one account.
CMC Invest
Finder Award
CMC Invest
$0
$0
ASX shares, Global shares, Options trading, US shares, mFunds, ETFs
Yes
$0 brokerage on global shares including US, UK and Japan markets.
Trade up to 35,000 products, including shares, crypto, ETFs and managed funds, with access to 15 major global and Australian stock exchanges. Plus, buy Aussie shares for $0 brokerage up to $1,000. (Limited to one buy order per stock per trading day).
Moomoo Share Trading
US$0.99
$0
ASX shares, Global shares, US shares, ETFs
Yes
Finder exclusive: Get an additional 30 days on top of the regular brokerage-free period for new accounts (see link for details). T&Cs apply.
Trade shares on the ASX, the US markets and buy ETFs with Moomoo. Plus join a community over 18 million investors.
Tiger Brokers
US$2
$0
ASX shares, Global shares, US shares, ETFs
Yes
Finder exclusive: Get 10 brokerage-free trades for the US or ASX market for the first 180 days and US$50 fractional shares when you deposit at least US$500. Plus, all new customers get 1 free trade per month for the first 12 months (T&Cs apply).
Get one brokerage-free trade per month for the first 12 months for US or ASX markets. T&Cs apply.
Webull
US$0.25
$0
ASX shares, Options trading, US shares, ETFs
Yes
Earn US$100 in cash vouchers when you fund your new account and maintain a minimum balance of US$2,000 by Dec 29 until March 31, 2024. Plus, earn up to 5.3% p.a. interest on your US cash account (T&Cs apply).
Trade ASX and US stocks and US options, plus gain access to inbuilt news platforms and educational resources. You can also start trading for less with fractional shares.
IG Share Trading
Finder Award
IG Share Trading
US$0
$0
ASX shares, Global shares, US shares, UK shares, ETFs
Yes
$0 brokerage for US and global shares plus get an active trader discount of $5 commission on Australian shares.
Enjoy some of the lowest brokerage fees on the market when trading Australian and international shares, plus get access to 24-hour customer support.
loading

Important: The standard brokerage fee displayed is the trade cost for new customers to purchase $1,000 of either Australian or US shares. Where a platform charges different fees for both US and Australian shares we show the lower of the two. Where both CHESS sponsored and custodian shares are offered, we display the cheapest option.

1 - 19 of 19
Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro Period Government Guarantee Monthly Max Rate Conditions
AMP SuperEdge Saver Account
Maximum Variable Rate p.a.
4.65%
Standard Variable Rate p.a.
3.20%
Intro Period
6 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
ANZ SMSF Cash Hub
Maximum Variable Rate p.a.
2.05%
Standard Variable Rate p.a.
2.05%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
AMP SuperEdge Cash Account
Maximum Variable Rate p.a.
1.00%
Standard Variable Rate p.a.
1.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Commonwealth Bank SMSF Direct Investment Account
Maximum Variable Rate p.a.
3.20%
Standard Variable Rate p.a.
3.20%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Rabobank Notice Saver SMSF (90 days)
Maximum Variable Rate p.a.
4.45%
Standard Variable Rate p.a.
4.45%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Australian Military Bank DIY Super Saver Account
Maximum Variable Rate p.a.
4.15%
Standard Variable Rate p.a.
4.15%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Bank of Queensland Superannuation Savings Account
Maximum Variable Rate p.a.
3.50%
Standard Variable Rate p.a.
1.60%
Intro Period
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
G&C Mutual Bank Bonus Saver Account
Maximum Variable Rate p.a.
4.65%
Standard Variable Rate p.a.
0.10%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Geelong Bank Achieve Saver Account
Maximum Variable Rate p.a.
2.71%
Standard Variable Rate p.a.
1.31%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Geelong Bank Superfund Maximiser Account
Maximum Variable Rate p.a.
4.20%
Standard Variable Rate p.a.
4.20%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Heritage Bank Online Saver
Maximum Variable Rate p.a.
4.90%
Standard Variable Rate p.a.
3.45%
Intro Period
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
IMB DIY Super
Maximum Variable Rate p.a.
2.40%
Standard Variable Rate p.a.
2.40%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
ING Business Optimiser
Maximum Variable Rate p.a.
1.00%
Standard Variable Rate p.a.
0.60%
Intro Period
6 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Macquarie Credit Union Online Savings Account
Maximum Variable Rate p.a.
3.50%
Standard Variable Rate p.a.
0.50%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
ME Business Online Savings Account
Maximum Variable Rate p.a.
1.00%
Standard Variable Rate p.a.
1.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Qudos Bank DIY super saver
Maximum Variable Rate p.a.
4.70%
Standard Variable Rate p.a.
0.35%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Bank of us Super Advantage
Maximum Variable Rate p.a.
1.50%
Standard Variable Rate p.a.
1.50%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
BankWAW SMSF Saver
Maximum Variable Rate p.a.
2.05%
Standard Variable Rate p.a.
2.05%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Police Credit Union Super MyWay
Maximum Variable Rate p.a.
4.10%
Standard Variable Rate p.a.
4.10%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
loading
Showing 19 of 19 results
1 - 9 of 99
Name 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a.
Judo Bank Term Deposit
Finder Award$1,000 min. deposit
3 Mths p.a.
4.90%
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
5.05%
7 Mths p.a.
-
12 Mths p.a.
5.35%
24 Mths p.a.
5.35%
Go to siteMore Info
Bankwest Online Term Deposit
$1,000 min. deposit$5,000,000 max. deposit
3 Mths p.a.
3.75%
4 Mths p.a.
3.00%
5 Mths p.a.
3.00%
6 Mths p.a.
4.25%
7 Mths p.a.
4.00%
12 Mths p.a.
4.90%
24 Mths p.a.
4.85%
Go to siteMore Info
BCU Term Deposit
$1,000 min. deposit$999,999 max. deposit
3 Mths p.a.
4.35%
4 Mths p.a.
3.70%
5 Mths p.a.
3.40%
6 Mths p.a.
4.60%
7 Mths p.a.
4.55%
12 Mths p.a.
4.75%
24 Mths p.a.
4.40%
Go to siteMore Info
Community First Bank Term Deposit
$1,000,000 max. deposit
3 Mths p.a.
4.20%
4 Mths p.a.
4.20%
5 Mths p.a.
4.20%
6 Mths p.a.
4.25%
7 Mths p.a.
4.25%
12 Mths p.a.
5.25%
24 Mths p.a.
5.00%
Go to siteMore Info
Newcastle Permanent Term Deposit
$1,000 min. deposit
3 Mths p.a.
4.00%
4 Mths p.a.
3.00%
5 Mths p.a.
3.00%
6 Mths p.a.
4.10%
7 Mths p.a.
3.60%
12 Mths p.a.
5.10%
24 Mths p.a.
4.75%
More Info
Macquarie Bank Term Deposit
$5,000 min. deposit$1,000,000 max. deposit
3 Mths p.a.
4.85%
4 Mths p.a.
4.85%
5 Mths p.a.
-
6 Mths p.a.
4.95%
7 Mths p.a.
-
12 Mths p.a.
5.05%
24 Mths p.a.
5.00%
More Info
Rabobank Term Deposit
$1,000 min. deposit$2,000,000 max. deposit
3 Mths p.a.
4.80%
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
4.90%
7 Mths p.a.
-
12 Mths p.a.
5.10%
24 Mths p.a.
5.00%
More Info
Australian Unity Term Deposit
$5,000 min. deposit
3 Mths p.a.
4.55%
4 Mths p.a.
1.15%
5 Mths p.a.
1.15%
6 Mths p.a.
4.75%
7 Mths p.a.
1.50%
12 Mths p.a.
5.10%
24 Mths p.a.
4.20%
More Info
Great Southern Bank Term Deposit Account
$5,000 min. deposit$1,000,000 max. deposit
3 Mths p.a.
4.20%
4 Mths p.a.
2.95%
5 Mths p.a.
2.95%
6 Mths p.a.
4.60%
7 Mths p.a.
3.05%
12 Mths p.a.
4.85%
24 Mths p.a.
4.70%
More Info
loading
Showing 9 of 99 results
1 - 7 of 20
Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro Period Government Guarantee Monthly Max Rate Conditions
AMP Cash Manager
Maximum Variable Rate p.a.
4.80%
Standard Variable Rate p.a.
0.60%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
NAB Cash Manager
Maximum Variable Rate p.a.
0.55%
Standard Variable Rate p.a.
0.55%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
BankSA Investment Cash Account
Maximum Variable Rate p.a.
1.00%
Standard Variable Rate p.a.
1.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Hume Bank Professional Cash Management Account
Maximum Variable Rate p.a.
0.01%
Standard Variable Rate p.a.
0.01%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
First Option Bank Cash Management Account
Maximum Variable Rate p.a.
3.00%
Standard Variable Rate p.a.
3.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Northern Inland Credit Union Cash Management Account
Maximum Variable Rate p.a.
1.50%
Standard Variable Rate p.a.
1.50%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Central West Credit Union Cash Management
Maximum Variable Rate p.a.
1.85%
Standard Variable Rate p.a.
1.85%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
loading
Showing 7 of 20 results
1 - 20 of 50
Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro Period Government Guarantee Monthly Max Rate Conditions
IMB Wisdom Saver
Maximum Variable Rate p.a.
2.55%
Standard Variable Rate p.a.
2.55%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Bank Australia Pension Access Account
Green Company
Maximum Variable Rate p.a.
1.70%
Standard Variable Rate p.a.
1.70%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
AMP SuperEdge Pension Account
Maximum Variable Rate p.a.
0.60%
Standard Variable Rate p.a.
0.60%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Bank First Pension Account
Maximum Variable Rate p.a.
3.40%
Standard Variable Rate p.a.
3.40%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Greater Bank Retirement Plus
Maximum Variable Rate p.a.
2.40%
Standard Variable Rate p.a.
2.40%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
NAB Retirement Account
Maximum Variable Rate p.a.
2.15%
Standard Variable Rate p.a.
2.15%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
AWA Alliance Bank Pensioner Account
Maximum Variable Rate p.a.
2.50%
Standard Variable Rate p.a.
2.50%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Westpac 55+ and Retired
Maximum Variable Rate p.a.
2.30%
Standard Variable Rate p.a.
2.30%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Defence Bank Retirement Savings Account
Maximum Variable Rate p.a.
1.70%
Standard Variable Rate p.a.
1.70%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
G&C Mutual Bank Pensioner Plus Account
Maximum Variable Rate p.a.
4.00%
Standard Variable Rate p.a.
4.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Police Bank Retirement Plus
Maximum Variable Rate p.a.
2.00%
Standard Variable Rate p.a.
2.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Australian Military Bank Capital Guaranteed Pension
Maximum Variable Rate p.a.
0.25%
Standard Variable Rate p.a.
0.25%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Nova Alliance Bank Pensioner Account ( S54 ) - Discontinued
Maximum Variable Rate p.a.
2.15%
Standard Variable Rate p.a.
1.90%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Queensland Country Bank Pension Plus Account
Maximum Variable Rate p.a.
3.20%
Standard Variable Rate p.a.
3.20%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Northern Inland Credit Union Pension Plus Account
Maximum Variable Rate p.a.
2.30%
Standard Variable Rate p.a.
2.30%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Horizon Bank Advantage 55
Maximum Variable Rate p.a.
2.50%
Standard Variable Rate p.a.
2.50%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Central Murray Credit Union Pensioner Account
Maximum Variable Rate p.a.
2.30%
Standard Variable Rate p.a.
2.30%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
The Mutual Bank Retirement Account
Maximum Variable Rate p.a.
2.00%
Standard Variable Rate p.a.
2.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Police Credit Union Master Club
Maximum Variable Rate p.a.
4.00%
Standard Variable Rate p.a.
4.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Cairns Bank Pensioner
Maximum Variable Rate p.a.
2.75%
Standard Variable Rate p.a.
2.75%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
loading
Showing 20 of 50 results
Back to top

How do I compare investment accounts?

Consider these points when you compare investment accounts.

  • Risk profile. In investing, you'll face a trade-off – the higher the risk, the higher the return. Savings accounts and term deposits are among the safest types of investments, whereas share trading has the potential for big gains and losses. Everyone has a different risk appetite. There is a relationship between your risk appetite and your investment goals.
  • Your investment goals. Why are you investing? What is your time horizon? Is it to grow your retirement nest egg, are you saving for a deposit for a home or are you looking for a quick dollar? Access to capital and risk appetite are 2 important factors in deciding your investment goals and subsequently which investment account is right for you. For example, a high interest saving account is a better investment account for someone saving for their first home than a share trading account. Share trading can lead to big gains, but the chance of losing everything probably won’t appeal to someone saving for their first home. Your investment goals dictate your investment strategy, which is a must-have for anyone comparing investment accounts.
  • Your investment strategy. Considering your investment goals, which investment account or investment account mix is suited to your needs? You can hedge your bets by choosing the right mix of investments. Your investment strategy also needs a time frame.
  • The length of the investment. Are your investment goals short, medium or long term? Different investments have different investment cycles. You can invest in a term deposit for a set time. Your goals and time frame to realise those goals should help you make a decision about the best investment account for you.
  • Liquidity. Also compare different investment accounts based on how easily you can access your money. Savings accounts are among the most liquid type of investment account, you can get your money when you want it. Securities only become a liquid asset if you can find a buyer.

What are the pros and cons of using an investment account?

Pros

  • Financial gain. Different investments and investment accounts have the potential for different gains. The potential for capital gains is tied to the risk of the investment.
  • Choice. These types of accounts give you control over how you spend your money. Share trading accounts, retirement accounts, savings accounts and SMSFs are all different types of investment accounts.

Cons

  • Risk. The risk of suffering a capital loss.
  • Not for everyone. You need to have done your homework before you start investing and opening an investment account.
Back to top

What are the risks?

  • How risky are you? The investment risk varies depending on the investment type. Term deposit and high interest savings accounts are basically no-risk investment accounts, but the returns are low compared to the potential for capital gains from trading shares.
  • Margin lending. A margin loan investment account can be a great way to get capital to invest; however, this is a risky way to access cash. If you suffer a loss, the lender can claim the asset you use as security for the margin loan.

Frequently asked questions

How to invest $1,000


The latest news in investments

12 Days of Holiday Offers: Get 12 months of Delta PRO free with eToro

12 Days of Holiday Offers: Get 12 months of Delta PRO free with eToro

SPONSORED: Make your first deposit on eToro this December and you'll receive an exclusive gift: 12 FREE months of Delta Pro, the investment tracking app.

Read more…
5 ASX stocks to watch in 2024 – expert shares insights

5 ASX stocks to watch in 2024 – expert shares insights

SPONSORED: Start getting ready for a new year of investing with this handy list of Australian stocks.

Read more…
How a pink trading platform dominated New Zealand

How a pink trading platform dominated New Zealand

Sharesies boasts 500,000 Kiwi customers - or one-tenth of the New Zealand population.

Read more…
5 US dividend stocks to watch in November 2023: from FMCG to IT

5 US dividend stocks to watch in November 2023: from FMCG to IT

SPONSORED: Dividends are sometimes overlooked by investors. But they can play an important role in a balanced investment portfolio.

Read more…
The CBA share price is jumping – is it a buy?

The CBA share price is jumping – is it a buy?

Commonwealth Bank of Australia (CBA) share price climbs following the bank's latest earnings report. Discover what this means for Australia's largest bank and its investors.

Read more…
Shariah-compliant ETFs are now on the ASX: Here’s what to know

Shariah-compliant ETFs are now on the ASX: Here’s what to know

Investors gain access to Australia’s first-ever Sukuk active exchange-traded fund.

Read more…

Picture: Shutterstock

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site