Here at ClearScore, we don't really like long terms and conditions, but these are important. Because this document, together with our Privacy and Cookies Policy (our Terms), sets out the rules which cover our relationship with you. They explain our responsibilities and yours, and how you can use our services. These apply to you if you use our services and are legally binding so please read them – in fact, you might want to print them out or save them on your device in case you ever want to come back to them in the future.
You should also remember that these aren't a complete list of all your or our rights or responsibilities, as there might be others under general law. If you want more information about your general rights as a consumer, contact the Australian Competition and Consumer Commission here .
If you have any questions about or feedback on our Terms or wish to make a complaint about our services, get in touch with us by emailing email@example.com. If the question or complaint relates to information we have obtained from a Credit Reporting Body or other third party service provider, we may refer your question or complaint to them if we consider it appropriate.
If you have made a complaint about our services and we have provided a final response which is not to your satisfaction or you have not received a response within 30 days of making your complaint, you can either make a complaint regarding the credit products on display on our site to the Australian Financial Complaints Authority (ACFA) on 1800 931 678. If you have a complaint about the personal information we hold, you may contact the Office of the Australian Information Commissioner on 1300 363 992. If your complaint relates to our conduct, you may also contact the Australian Securities and Investments Commission (ASIC) on 1300 300 630.
Save as otherwise set out in these Terms:
We're ClearScore Australia Pty Ltd (ClearScore). Where we say "we" "our" or "us" in this document, that's usually who we mean. We might also mean anyone that might take over our business or we transfer our business to in the future. In a few places, we might mean one of our third party service providers or a subcontractor – this should be clear from the context. If you're not sure who we mean, get in touch and we'll explain.
These Terms set out your agreement with us in relation to the use of our website, apps and services, they do not create any relationship or agreement between you and any other person (including our affiliates and third party service providers).
We'll provide you with your credit score and report for free because we earn a commission from credit providers if you purchase a product. Rest assured, we never order products according to how much commission we're paid.
We are not an agent of any provider in relation to the provision of credit or any offer. Our role is limited to advertising or displaying offers to you at the request of providers. In the interest of transparency, we may receive income from providers for presenting offers to you, or if you choose to apply to the advertised provider.
ClearScore Australia Pty Ltd is a limited company registered in NSW with Australian Company Number 624 386 330. Our registered office is at Grant Thornton Australia, Level 17 383 Kent Street, Sydney NSW 2000.
You're our customer (or thinking about becoming our customer), if we say "you" or "your" in these terms, we mean you. You are welcome to be our customer provided you agree to comply with our Acceptable Use Policy and you are:
When you're using our services you must not do any of the following things. If you do or if we have reason to believe you either have done or will do, we may refuse to provide services to you temporarily or permanently or we may take other action against you (including legal action).
Some of these things are unlawful. Where this is the case (or we believe it may be the case) we may disclose your identity, your activities and other information we hold about you to law enforcement agencies.
You must not, and you must not allow another person to, use our website or apps (including any content or materials on them) or our services:
You must not, and you must not allow another person to:
We may monitor your use of our services and monitor your activity for security purposes.
You must fully cooperate with us where any law enforcement authorities, regulators or court order requests or directs us to disclose the identity or locate anyone posting any material or using our website or our services in breach of our Acceptable Use Policy.
Sometimes, we may provide interactive services on our website, including, for example, for you to review and comment on the services and products that we or product providers or issuers of credit make available.
Where we do, we'll provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical). We don't have to oversee, monitor or moderate any interactive service we provide on our website, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.
Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.
These content standards apply to any and all material which you may contribute to our website and to any interactive services associated with it.
Contributions must not:
We aim to help you take control over your own finances by helping you to access your credit report and credit score from Credit Reporting Bodies. We let you do this free of charge. If you want to read up on what credit scores, credit reports and Credit Reporting Bodies are, how they work and ways to improve your credit score, you can do that here.
We get this information from Credit Reporting Bodies once a month on your behalf acting as your authorised agent and representative. That means that we procure this information on your behalf, as you could. By using our services you agree that we and Credit Reporting Bodies shall be entitled to rely on this authorisation and agency granted by you.
Presenting a credit report and credit score is subject to you passing appropriate identity authentication for security purposes. We'll try to assist you if you fail the process, but we do not have to notify you of the reasons why it was not successful.
We provide you with access to your personal credit score and other credit information about you from a Credit Reporting Body (Personal Credit Information), access to information and offers from third party lenders and other product suppliers, insights and information about your credit rating, and information and updates about other products and services.
By appointing us as your authorised representative or "access-seeker" under the Privacy Act, we can obtain your credit report on your behalf without leaving a footprint. We call this a "soft search". If you proceed to make an application for a product, the credit provider may perform a search and this will leave a footprint or record on your credit file. Using ClearScore allows you to monitor your credit information, gain insights and then apply for products.
This means the soft search will not affect a lender's decision whether or not to lend to you and it won't affect your credit score.
If you request access to and/or correction of your Credit Information using the ClearScore website or app, you:
Appoint and authorise us, to request on your behalf, that the Credit Reporting Body:
(i) provides you with your Credit Information (to be accessed through the website or app) and/or updates that Credit Information; and
(ii) provides you with periodic credit information alerts (to be accessed through the website or app).
You acknowledge we may exercise your rights as access seeker under Part IIIA of the Privacy Act 1988 (Cth) (Privacy Act) to the extent permitted by Privacy Act.
We will hold your details and records on our systems and make this credit information available to you through our website. If there has been a relevant change or addition to information in your credit score or credit report, we may notify you by sending you an email.
Whilst you remain an active user of our services, we (or our third party service providers) will carry out searches against your credit information and, where applicable, your financial associates' credit information in order to provide you with your credit score, credit report and relevant products.
We may also use your information (and, where applicable, that of your financial associates) to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score.
If you want us to, we'll use this information to match you with offers for credit and financial products. The offers won't be from us, they'll be from other financial services providers and you don't have to accept these. We aim to present only economically advantageous products that you have a strong likelihood of being accepted for based on the merits of the product and your profile. Some might save you money, others might not. The key thing to remember is that you need to make your own decision about whether any offers are right for you. We don't have all the information about you or your individual financial situation and we are not providing you with any personal financial advice.
Third party lenders will use their own criteria in making decisions about you. Any decisions you make on the basis of your credit score or credit report, or any other information we provide or make available to you, are purely your own choice.
Please ensure that you have fully read and understand any relevant information, such as the credit provider's terms and conditions, which provide full details of the risks involved with any decision you make. You may wish to consider obtaining professional or specialist advice from a licensed financial adviser before taking, or refraining from taking, any action on the basis of the content on our website or app, which is provided for general information only, or any other information we provide or make available to you.
In assessing a credit application, a provider may use information from various sources, including Credit Reporting Bodies. We do not provide your personal credit score or credit history to the provider when you apply for a product, service or offer advertised on the website
ClearScore offers a price comparison service that can be used to find out whether you could save money on a range of services or products.
You may only use our service if you wish to find competitive prices for a product or service on your own behalf.
By using the ClearScore website or app and accessing the services, you agree and accept that:
(b) the offers displayed to you do not take into account your personal financial situation or your personal investment objectives, and you should not interpret any offer you receive as being appropriate for you or constituting personalised financial advice;
(c) we are not providing you with any legal, taxation, financial or other advice about the suitability or appropriateness of any offer or service;
(d) you should seek advice from an appropriately-qualified financial adviser before making any decision in relation to an offer if you need assistance; and
(e) the ClearScore website may not present all offers that may be available to you.
You warrant that you will at all times comply with all relevant laws and regulations in your access and use of the services, and provide true and accurate information, and you will cooperate in any investigation relevant to your use of the ClearScore website or our services.
We are not an agent of any provider in relation to the provision of credit or any offer. Our role is limited to advertising or displaying offers to you at the request of providers. In the interest of transparency, we may receive income from providers if you choose to apply to the advertised provider.
In order to get a quote through our price comparison service, you will need to answer some questions on our site needed by all the different product or service providers and any intermediaries they may use. The answers you give will determine the products or services available to you and the amount you will pay. You must get permission from any other people whose details you propose to use in requesting a quote. If you submit another person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.
You are solely responsible for ensuring that all information you provide us with is true, accurate and complete and you agree to the assumptions we make. If you do not provide accurate information this could lead to your selected product being invalid and claims may not be paid. You agree that we cannot be held responsible if your selected product is invalid as a result of you providing incorrect information, to us or your selected provider.
As we work with a large number of providers it is important that you read the provider's terms and conditions, and that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.
Companies change their prices and amend their rates on a regular basis. Any price or rate quoted to you will be accurate at the time of issue, and may change if your quote or search is resubmitted.
All intellectual property rights in our website and apps in the material published on them and in their component systems are owned by, licensed or sub-licensed to us. All content on our website and apps is subject to copyright with all rights reserved.
Images, trade marks and brands are protected by intellectual property laws and may not be reproduced or appropriated in any manner without permission of their respective owners.
You must not remove any acknowledgement that we or any of our contributors is the author of any website content or any content we provide to you as part of the services.
You may download or print or screen grab content or individual sections or pages of our website or apps for your personal use and information only, provided that any such copy has attached to it the relevant proprietary notices and/or disclaimers. Any material downloaded or otherwise obtained through our website or apps is done at your own discretion and risk and you are solely responsible for any damage to your computer system or device or loss of data that results from the download of any such material.
You must not modify, adapt, copy, download or post material from our website or apps nor store any part of our website or apps in any other website or app or include it in any public or private electronic retrieval system.
You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation.
If you print off, copy, download or post to social media any part of our website or apps in breach of these Terms you must, at our option, return, destroy or procure the deletion of any copies of the materials you have made.
By submitting Content you confirm and agree that the owner of that Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out in these Terms.
Any information provided to you as part of our services is only as accurate, complete and up to date as the information supplied to us by you, the Credit Reporting Body or other third party we use to obtain this information. We don't check the information we receive from you or third parties for accuracy or completeness.
We do not control your credit score or credit report and we cannot change that information for you. If you think the information provided about you on your credit report may be incorrect, you can dispute it with the Credit Reporting Body directly through here. If you think any other information we have provided to you has been incorrectly displayed, please let us know as soon as possible by contacting firstname.lastname@example.org.
We don't assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to receive or store any user information, communications or personalisation settings.
We may change the content or functionality of our apps, website or any other method which allows access to our services at any time. Their content may be out of date at any given time, and we are under no obligation to update it.
We cannot guarantee that our website or apps or any content on them or provided as part of our services, will always be available, uninterrupted or error free.
Please read the provisions of this section carefully, as they exclude or limit our liability for any losses suffered by you in connection with your use of our services.
Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, any duties or liabilities that we owe to you under the National Consumer Credit Protection Act 2009 (Cth) or the rules of ASIC, nor any other liability that cannot be excluded or limited under applicable law.
To the maximum extent permitted by law, any representation, warranty, condition, guarantee or undertaking that would be implied into these Terms by legislation or otherwise is excluded. In particular, we do not warrant that the accuracy, adequacy, timeliness or completeness of information available on ClearScore or that it is suitable for your intended use.
Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us. You are also entitled to be compensated for any other reasonably foreseeable loss or damage.
If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract.
We will not be liable to you or any third party for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
We shall only be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or if they were contemplated by you and us at the time you accepted these Terms.
We are not responsible for any products or services provided by issuers of credit or any other third parties. Those products are governed by separate terms and conditions of supply. You agree that we are not responsible or liable for any loss or damage you may suffer or incur in connection with any such product or services, or the terms and conditions applying to any contract you enter into with any third party in relation to any product or services, or for any acts, omissions, errors or defaults of any third party in connection with any product or services or the applicable terms and conditions.
It is your responsibility to seek independent advice or otherwise satisfy yourself that you wish to apply for, take out, cancel, exchange or request a change to a credit or other product before doing so.
Where we have indicated your likelihood of success with respects to products matched to your profile, or where we have provided indications of how much money you may save, these are provided for information purposes only and should not be relied upon when making decisions. We do not accept any liability or provide any guarantee with respects to your eligibility for or success in obtaining products matched to you or advertised on our website.
Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from our website or apps is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of our website or apps. You are responsible for protecting your computer systems and other devices from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary. If you download our app or other digital content provided by us and you suffer damage to your device or other digital content you own because we have not exercised reasonable care and skill in creating such digital content, you may be entitled to compensation or repair at our expense pursuant to your statutory rights.
You indemnify us from any third party claims against us which arise due to your breach of these Terms.
We indemnify you from any third party claims against you which arise due to our services infringing a third party's intellectual property rights (except to the extent caused by you and/or your breach of these Terms). If our services are alleged to infringe a third party's intellectual property rights, we may, at our sole option and expense, elect to modify or replace the services so they are non-infringing, or cancel supply of the services and terminate these Terms. To the extent permitted by law, this clause states our sole liability, and your sole remedy, with respect to our services infringing a third party's intellectual property rights.
Each party's liability under an indemnity is reduced to the extent that liability was caused or contributed by the other, and an indemnified party must: (a) promptly give written notice to the indemnifying party of the third party claim; and (b) allow the indemnifying party to conduct the defence and settlement of that claim (provided the indemnified party is not detrimentally impacted).
You acknowledge and agree that this section is fair and reasonable in the context of the services being provided to you at no charge.
Without in any way limiting clause 10, the following disclaimers also apply (to the extent permitted by law):
(a) Offers and Discounts – While we take all reasonable steps to ensure that offers to you that we receive from providers, and discounts via the ClearScore website and services are presented accurately and are up-to-date, you acknowledge that:
(b) Credit Reports – If you use ClearScore to access your credit report, or other Credit Information, we do not represent that any debt identified on a credit report represents all amounts owing by you to all or to any particular lender. For example (without limitation):
(c) Not financial advice – We do not provide any personal financial, legal or tax advice and we express no opinion on your debt repayment and debt management. Any content featured on the Site is of a general and informative nature only. You must consider your own individual circumstances before acting upon any of the information featured on the Site. You should seek advice from an appropriately qualified financial adviser before making any decision in relation to repayment of a debt if you need assistance.
The limitations on our liability and disclaimers set out in these terms also apply to our Related Bodies Corporate and service providers, including Credit Reporting Bodies.
We reserve the right at any time to terminate your agreement with us and your use of our website or any products or services contained in or obtained through our website, with or without cause, immediately upon our giving you notice in writing to the email address provided by you when you registered for your account (or any email address you subsequently provide). If we terminate your ClearScore account, your access to all services will automatically terminate.
If you no longer wish to receive our services you can close and delete your account at any time by visiting the 'My Account' section and clicking on 'Delete Account'. Please note that once deleted, your account cannot be recovered and you will not be able to access the credit or other information we hold about you through our website.
Please note that if you withdraw consent to the processing of your personal information, access to our website, apps and the associated services will be suspended or terminated. We may keep records or data derived from your personal information in accordance with our Privacy Notice.
The headings used in these Terms are for convenience only and shall not affect their interpretation.
In these Terms, unless specified otherwise, use of the singular includes the plural, use of any gender is deemed to include every gender and any reference to a person includes a corporation, a partnership and any other body or entity, and vice versa.
Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words.
We shall not be liable for any delay or failure to provide our services or perform any obligation under these Terms if the delay or failure is caused by circumstances beyond our reasonable control.
Each of the provisions of these Terms (or part of any provision) is severable. If any such provision is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction that shall not affect the legality, validity or enforceability of the other provisions of these Terms. The provision itself shall apply with the minimum modification necessary to make it legal, valid and enforceable.
Failure or delay by us in enforcing these Terms shall not be a waiver of that or any other provision of these Terms.
You may not assign any of your rights or obligations under these Terms.
You agree that any notices and other communication may be given by us by email or posted on our website and this will comply with any legal requirement for such communications to be in writing. You also agree that any notice or other communication made in such manner will be deemed received by you 24 hours after email or posting.
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with New South Wales law and shall be subject to the exclusive jurisdiction of the courts of New South Wales.
We may change these Terms, our website, apps and our services at any time. We will notify you of any changes to our Terms by sending you an email notification, by posting a notice on our website or app or through the services, or in any other manner we deem appropriate. Your continued use of our website, apps or our services will confirm your acceptance of the revised terms.
For changes that do not affect your rights or obligations under this agreement and that constitute a mere update of information, we may choose to not notify you directly. Please check this page from time to time to take notice of any updates made to the information here.