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You can obtain your current Credit Score, and in some cases your file, from our Site but you need to be a registered user to receive your Credit Report. By doing so, you authorise us as your Access Seeker for the purposes of the Privacy Act 1988 (Cth) and this appointment continues until your membership with Finder is cancelled.
In order to obtain your Credit Report, you need to be adequately identified and your information verified with the Document Verification Service (http://www.dvs.gov.au). So we need to collect, retain and share the information required in order to provide you with your Credit Report.
We will only ask you for the information we need to provide you with the services, advice and information you request from us.
Where we retain your information, it will only be the information you have provided to us or the information you have asked us to source from third-parties and provide to you.
If you encounter any issues during the identity verification process, you can contact us directly by clicking the Live Chat button on the bottom right corner of your screen or emailing us at help@finder.com.
In the event our verification systems are not in operation, Finder may use an alternative process to verify your identity.
Rest assured that we take your privacy seriously. Please read our Privacy Policy to understand how we use and secure the personal information you provide to us when using our Services.
Generally, your personal information will only be collected and used with your express permission, but we will retain and use aggregated and non-personally identifiable data for other purposes.
Please appreciate that user comparisons are based on dynamic averages derived from anonymised data. Comparisons incorporate unverified personal data submitted to finder by our users so the results shown are indicative only and may not be more generally representative.
Rest assured that we will, and do, take reasonable steps to protect the personal information we hold from misuse, loss or unauthorised use.
We won't ask you for personal information about someone else, but if you provide us with information about another person, you need to ensure that you are authorised to disclose that information to us.
The Finder app is a savings tool designed to make your money work harder. When you connect your bank, credit or other accounts we'll analyse your use, ongoing spending and expenses and tell you when you're paying too much for something.
The app helps you easily keep track of all your money, gives you clever insights into how to improve your finances and finds you better deals.
By using this app, you're trusting us with your information. We understand this is a great responsibility and it's important for you to understand what information we collect and why we collect it. Please understand that by using the App you are confirming that you have read and understood both our privacy policy and terms of use.
Based on your expenses and accounts, we will find personalised ways to save and help you make the most of your money. The Finder App is a read-only service, so no money will be moved in or out of your accounts when you use the app.
As long as you have biometric or PIN authentication enabled, no one but you can access your data through the Finder App. Authorised Finder employees have restricted and audited access to our systems for engineering and troubleshooting purposes only. We do not sell your information.
You can opt out at any time by disconnecting your bank accounts via the app settings.
The Energy Calculator available on our site is owned and maintained by a third-party provider.
finder is not responsible for the content nor do we provide any warranty about the accuracy or comprehensiveness of the calculator. We think it's a useful tool but we warn you that:
We encourage you to make your own investigation, or obtain advice, before you act on the calculation provided by this tool.
To obtain your Credit Score, to submit a review or use our secure Services (including the Finder App) you must:
Registration. In most cases, you can engage with our Site anonymously. But, if you want to access some features of our Site to obtain your Credit Score or register for NBN updates, you need to be a registered user.
To register for an account, you need to provide certain identifying information about yourself, including but not limited to your email address and other contact information and create a user name and password. You can only have one user account and attempts to create or maintain duplicate accounts may result in banning or other actions.
By applying for your Credit Score, you're agreeing to provide current and accurate information about yourself and authorising us to access the Document Verification Service to confirm that information.
Remember, the finder community is built on us all being direct, honest and open, so by registering as a user you are agreeing to conduct yourself in accordance with these Terms.
Responsibility. You are responsible for maintaining the integrity and security of your account and password and for restricting access to your device.
It's best not to share your account details but, if you do share your information with anyone else, you're authorising them to act on your behalf and authorising us to accept their submissions and instructions.
If you are worried that your account is not secure, please email privacy@finder.com.au and we'll help you solve that problem.
We understand that people don't always make their decisions based on factual information alone. Sometimes, they like to consider, and rely on, user reviews to help them make their decision.
The finder community is diverse, engaged and expert and we recognise the value of helping them share their experience and insights.
Users can submit reviews (and other user generated content) to our site to help other users make better informed decisions about the products and services covered by our site.
We believe in being 'straight up' so, in addition to being transparent about the commercial relationships we have in place, we want you to understand our approach to user reviews and our expectations about reviewers.
Reviews should reflect the user's actual experience with the product or service. We wont publish reviews that aren't honest or fair and we'll remove any review that we think may have been written by:
We trust our users to do the right thing but we will remove any review that contravenes this principle.
We'd also suggest that you don't submit a review if you haven't used the product or service in the last twelve (12) months.
Our mission is to help people make better decisions. That means giving them the information that helps them make a decision or avoid making a bad decision.
If a user chooses to share their experience and insights with our community, we think it's our obligation to help them do so - even if that review is critical of us or our partners.
We won't delete, hide or edit reviews for commercial or promotional reasons. Nor will we manage reviews to create, or maintain, particular views of our partners, their products or their services.
Please understand that this doesn't mean we won't delete, block or edit 'inappropriate content'
finder is an information service that helps millions of people make better decision.
We respect our users and understand our obligations to them and our partners.
For this reason, we will not allow users to publish content that is inappropriate, illegal, defamatory, obscene or infringes others' intellectual property rights. Posts that harass, bully, demean, vilify or marginalise others will be blocked or deleted.
Posts that contain software viruses, chain letters, spam or mass mailings will also be blocked or deleted.
A post that contains your personal information (TFN, address or phone number) may be edited, blocked or deleted. We might not always pick up these type of posts, so please take care when you post to our site.
If we think a user is using a false identity or impersonating another person we'll block or delete any content they post.
We'll also block and ban any user that engages in conduct of this sort.
Any reviews or content you submit may be used by finder for advertising purposes or republication. We may also use your submission to improve our services.
Our site is public, so don't post anything you don't want to share with the general public.
If you make a mistake, or identify a problem with something you've posted, write to complaints@finder.com and we'll try to respond quickly.
finder respects your privacy and shares your concern about the security of data you may submit to finder's websites, the related mobile applications, any Finder AI chatbot, Google Action, Facebook Messenger chatbot , or Amazon Alexa Skill ("agents" or "bots") and services (collectively, the "Services").
Our Privacy Policy explains what information we collect, how we use and protect it, how you can access and update your information, and how you can manage your privacy settings when using the Services (website, app or voice-enabled assistant).
While we don't share your finder customer ID and password with Google (or anyone else), Google collects, stores and processes certain information in connection with your use of the finder credit cards Action for Google Assistant. For example, Google records your voice and saves the transcripts of your interactions with the finder credit cards Action. finder has no control over your information shared via the finder credit cards Action.
For your privacy and security, please don't share any personal information while using the finder credit cards Action. Please read Google Privacy Policy to find out more about the type of information Google collects and how it handles your information.
finder.com.au ("finder") aspires to helping you make better decisions.
We hope you'll be delighted with the tools, services and analysis we make available to you, but if you are not delighted, we are keen to know when and why you're not satisfied so that we can improve.
This document outlines our approach to handling critical feedback, complaints and queries but more detailed information is contained in the Terms of Use on our site. If you need a reminder of the terms and conditions you accepted when you became a user of our services click here.
Rest assured that we genuinely appreciate your feedback which is why we've tried to make it simple for you to provide us with your views. You can simply use our website to report any problems or issues you have with us, our site or the services we provide.
Whatever problems or concerns you may have we'll do our best to resolve them quickly, transparently and fairly.
Unfortunately, that's not always possible but if you are unhappy with our response we also have a formal disputes resolution process in place.
At finder, we believe that all feedback - even criticism or complaints - provide us with insights that can only make our business better. So we legitimately welcome user feedback and encourage them to tell us what we're doing well and where we can improve.
We have Internal Dispute Resolution (IDR) processes that generally accord with International Standards and reflect our commitment to these principles:
Commitment
The entire Management Team believe that feedback is a gift and often your first point of contact will be one of our Executive Team. We supplement our top-down commitment to effective IDR with adequate staff training, appropriate resourcing and effective management and reporting systems.
Fairness
Our IDR approach is designed to allow equal opportunity to both parties and an objective analysis of the issues. We'll also ensure that our responses are considered and reasonable.
Resources
Although an Executive from the Management Team will often be the first responder, our Senior Counsel, Legal and Compliance is the best contact point for complainants. Senior Counsel can provide an objective view, escalate issues as appropriate and ensure that your complaint is handled by experienced staff who have the authority to settle the complaints (or direct access to a person who could).
Visibility
We don't hide our either our approach or our principles and we've made it ridiculously easy for you to contact us. Click here to start a conversation or submit your feedback.
Accessibility
We prefer you to provide your feedback through our website but you can make a complaint by any reasonable means including letter, telephone, in person or email.
Assistance
If require our help to submit your complaint, we're happy to assist you.
Responsiveness
If you have a complaint, the worst result is to feel ignored or that your concerns aren't important. We value feedback, and we respect the effort you've made to share your views with us, so we will
We won't guarantee any outcomes except that our response (including any remedies or compensation offered) will be fair and appropriate. If we need to quantify loss or damage, we'll consider relevant legal principles, relevant codes of conduct, concepts of fairness and relevant industry best practice.
Cost
Our IDR process is free for complainants.
Data Collection
We love feedback, but we love information more and complaints provide us with rich data about our business. For these reasons, we track categories including:
Confidentiality
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 provide quotes and 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.
Systemic and recurring issues
Feedback is a gift and our IDR process treats it appropriately; we take the time to try to identify systemic issues or recurring problems to prevent other problems or anticipated complaints. Complaints data is also regularly reviewed by our Executive Management Team.
Regular Review
Our IDR processes are subject to regular review and, if you're not satisfied with our response, you have options for external Dispute Resolution.
Whistleblower Policy
We also have a Whistleblower Policy, and you can find it here
If we are in a dispute, and we can't resolve ourselves, it's in both our interests to involve an independent party and try to resolve the dispute in the most efficient and cost effective manner available to us.
So, if we haven't been able to resolve your complaint to your satisfaction, you may escalate it to one of the following independent services.
Type of complaint | External complaints service | More information |
---|---|---|
Financial advice, investments, superannuation, derivatives or insurance matters | Contact the Australian Financial Complaints Authority (ACFA) on 1800 931 678.
| Financial Services Guide - Financial Products Financial Services Guide - Derivatives |
General Insurance Products | Contact the Australian Financial Complaints Authority (ACFA) on 1800 931 678. | Financial Services Guide - General Insurance |
Credit Products | Contact the Australian Financial Complaints Authority (ACFA) on 1800 931 678. | Credit Guide |
Personal information held | The Office of the Australian Information Commissioner on 1300 363 992 | |
Our conduct | The Australian Securities and Investments Commission (ASIC) may be contacted on 1300 300 630 |
We maintain professional indemnity insurance to cover the information, advice, and services we provide. Our policy satisfies the requirements imposed by the Corporations Act 2001 and financial services regulations.
finder respects your privacy and shares your concern about the security of data you may submit to finder’s websites and the related mobile applications and services (collectively, the “Services”). Our privacy policy (the “Privacy Policy”), which forms part of our Terms of Use, explains the information we collect, how we use and protect it, how to access and update your information, and how to manage your privacy settings when using the Services.
Hive Empire Pty Ltd (ABN 18 118 785 121) trading as finder.com.au ("finder") 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 take your privacy seriously. We have published this policy to show we manage the personal information you provide to us when using our services.
This Privacy Policy applies to your access and use of the finder site (www.finder.com.au) and finder products and services (together, the “finder Services” or “Site” or “Services”).
This Privacy Policy, which forms part of our Terms of Use, describes the information that we gather from you, our use and disclose your information, and the steps we take to protect your information. By using our Services, you consent to the privacy practices described in this policy.
In order to provide you with information, tools and other services we may collect and retain “Personal Information” that may identify you or contribute to identifying you. “Personal Information” can include information such as your name, email address, your photo, contact details and, in some cases, general financial information. We will not collect your personal information unless it’s necessary to provide the information, advice or service you’ve requested and, where possible, you’ll be able to use our services anonymously.
We will generally only collect your personal information from you or from someone you’ve authorised to provide it to us. We will also only collect information by lawful and fair means and not in an unreasonably intrusive way.
finder website contains hyperlinks to websites owned and operated by third parties. These third party websites have their own privacy policies and are also likely to use cookies, and we, therefore, urge you to review them. They will govern the use of personal information you submit when visiting these websites, which may also be collected by cookies. We do not accept any responsibility or liability for the privacy practices of such third party websites and your use of such websites is at your own risk.
If you are located in the European Union, as a data subject you have additional rights under the GDPR that, unless inconsistent with Australian Law, will be respected.
When you use our service (or while you’re accessing our services) we may collect personal information about you. Because we take your privacy seriously we will take reasonable steps to ensure that you are aware of:
We provide general advice and comparative information about a range of financial and credit products and can help you connect with businesses that provide relevant products and services. The financial services laws often require us to collect some personal information to provide these services and, if you choose not to provide this information, then there is a chance that the information or advice you receive may not be suitable.
In order to obtain your Credit Report, you need to be adequately identified and your information verified with the Document Verification Service (http://www.dvs.gov.au) so we will collect, retain and share the information required in order to provide you with your Credit Report.
We prefer to collect personal information about an individual only from that individual but when you use our services you may provide us with personal information about someone else. We won't ask you for personal information about someone else unless it's needed to provide you with the service, advice or information you've requested but if you provide us with information about another person, you need to ensure that you are authorised to disclose that information to us. It's your responsibility to ensure that they understand how we will collect, use or disclose the information you provide. You need to take reasonable steps to ensure that they understand that we will not take any additional steps to confirm their understanding of these issues.
All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the applicable legal requirements at all times. For more details on security see section ''Will finder share my personal information with anyone else?'' below.
Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:
By using our services, you consent to us collecting, holding and using your personal information in this way.
We may also access, hold and use aggregated information about the people that use our services. Aggregated information won’t identify you or any other individual but simply provides us with non-personally identifiable data that we’ll use to improve our services, understand our users’ needs and develop tailored content. Although you would have provided us with the information we aggregate for these purposes, it won’t identify you or enable you to be personally identified.
We will hold your personal information on our systems for as long as is necessary for the relevant activity, or as long as is set out in any relevant contract you hold with the finder. If you delete your finder account then your personal information is deleted immediately, and the remaining information is anonymised for analytical purposes. For further information about deleting your finder data, please see section ''Can I find out what personal information finder keeps about me?'' below.
With your permission and/or where permitted by law, finder may also use your data for marketing purposes which may include contacting you by email or text message or post with information, news and offers on Our services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the applicable legal requirements.
We may use information which we hold about you to show you relevant advertising on third-party sites (e.g. Facebook, Google). This could involve showing you an advertising message where we know you have a finder account and have used finder services. If you don’t want to be shown targeted advertising messages from finder, some third party sites allow you to request not to see messages from specific advertisers on that site in future.
As a general principle, we won’t disclose your personal information without your express permission unless:
Although we will take reasonable steps to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date, it is your responsibility to ensure that the information you provide to us is accurate, complete and current. You control the information you provide to us and you can correct or update any information you choose to provide to us. If you want us to correct our records simply tell us what needs to be changed and why.
finder.com.au is a global business. To offer our services, we may need to transfer your personal information among several locations, including Australia, where we are headquartered. Some of our product and service providers will process your data in other countries, however, we require all our partners to ensure that your data is kept securely at all times. If you choose to access the Site from the European Economic Area ("EEA") or Switzerland, please understand that you will be transferring your information to the location other than in which the information was originally collected.
The information we collect is entered into our site by you, imported on your instruction and transmitted across the internet to our servers. By using our service, you are consenting to this process. The service providers who host our servers are not permitted to access your personal information except for the purposes of storing it. Although we will take reasonable steps to protect the information you provide to us, you should appreciate that the Internet itself is not secure and take care about the personal information that you transfer over the internet or by email.
In a limited number of circumstances, we may use third-party providers to facilitate surveys or mail outs on our behalf. Should this occur, we will only do so where the Service Provider:
Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site. We use industry-standard Secure Sockets Layer (SSL) technology to allow for the encryption of personal information and credit score data. finder.com.au engages a company that is an industry leader in online security and verification to strengthen the security of our services. finder.com.au is registered with site identification authorities so that your browser can confirm finder.com.au's identity before any personally identifiable information is sent. In addition, our secure servers protect this information using advanced firewall technology.
Unless you choose to provide your personal information or instruct us to do so, the personal information we hold will be secured on our servers and not be transferred elsewhere. There are some exceptions, but we won't transfer personal information to a foreign country unless:
We will not transfer information contrary to this policy, without your consent or in a manner inconsistent with this policy.
When you submit personal data via finder, you may be given options to restrict Our use of your data. In particular, we aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details and by managing your Account).
You may access some areas of the site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
This document sets out our approach to the management of personal information and we make this available to anyone who asks for it. If you need to know more, we are more than happy to explain to you what sort of personal information we hold, for what purposes, and how we collect, use and disclose that information.
If you need additional information about the Australian Privacy Principles, the Privacy Law or our obligations you can also access the website of The Office of the Australian Information Commissioner (http://www.oaic.gov.au/).
You have the right to request access to the personal information finder holds about you (where such data is held) and to have any inaccuracies corrected. We will not restrict your access to the information unless:
If we can’t provide you with access to the information because of one or more of these reasons (which we will confirm in writing) we will consider reasonable alternatives that may satisfy all parties. You’ll generally be able to access your personal information without cost but, if we think a charge is reasonable it will not be excessive and will not apply to lodging a request for access.
We will use reasonable efforts consistent with our legal duty to supply, correct or delete personal information about you on our files. If you are within the European Economic Area (“the EEA”), where the EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein, please address requests and questions about this or any other question about this Privacy and Cookies Policy to the Global Data Protection Team, Finder AU, Level 10, 99 York St, Sydney, NSW, Australia 2000 or email dataprotection@finder.com.
We believe in openness and we are committed to ensuring that we respect the privacy of those using the exceptional services we provide. If you want to arrange access to your information or have questions about privacy or the use of this site, please email dataprotection@finder.com or write to us at
Privacy Team
Finder,
Level 10, 99 York St,
Sydney, NSW, Australia 2000
Please note that if the responding officer determines with good reason that your message is spam within the meaning of the Spam Act 2003 (Cth), finder reserves the right not to respond to any message you send and to block your use of this website from the IP address where the spam originates and reserves the right to claim compensation under the appropriate legislation.
This policy will be updated from time to time and becomes effective the moment it is posted on our site. The date of the most recent revision will appear on the page. Please revisit this page each time you submit personal information to finder to stay aware of any changes to this Privacy Policy. If you subsequently use our site or services, you are deemed to have accepted the amended policy. If you do not agree to these changes, please do not continue to use finder website to submit personal information to finder.