These Terms and Conditions (“Terms”) govern your access to and use of the Compare Your Rates website (“Website”). By continuing to access or use the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not accept these Terms, you must cease using the Website immediately.

The Website is intended for use only by Australian residents aged 18 years or over. You must not use the Website for any unlawful, fraudulent, or harmful purpose, nor submit any information that is false, misleading, or inaccurate. You are solely responsible for ensuring that all information you provide through the Website is correct and complete.

The content made available on the Website is provided for general information purposes only and does not constitute professional, financial, or legal advice. We do not represent or warrant that any product, service, or supplier referred to is the most suitable, cheapest, or best option for your circumstances. Before making any financial or other decision, you should review the relevant documentation from the supplier and, where appropriate, obtain independent professional advice.

Compare Your Rates acts as a referral and comparison service only and may connect you with third-party suppliers of products and services, including energy, solar, finance, or insurance providers. Any quotes, offers, or representations are provided by the relevant third parties directly, and you are responsible for reviewing and accepting their terms and conditions before entering into any arrangement. We do not guarantee that quotes will be available in all cases, nor that an application, referral, or request will result in approval or acceptance by a supplier.

To the maximum extent permitted by law, Compare Your Rates excludes all liability for any direct, indirect, or consequential loss or damage (including loss of profits, business, or data) arising from or in connection with your use of the Website, reliance on its content, or engagement with third-party suppliers. Nothing in these Terms is intended to exclude, restrict, or modify any rights or remedies to which you are entitled under the Australian Consumer Law or any other applicable legislation that cannot lawfully be excluded.

All intellectual property rights in the Website, including text, graphics, logos, and layout, are owned by or licensed to Compare Your Rates. You must not copy, reproduce, distribute, adapt, or otherwise exploit any Website content without our prior written consent. Third-party trademarks, logos, or branding remain the property of their respective owners and may not be used without permission.

We collect, use, and disclose personal information in accordance with our Privacy Policy. By using the Website, you consent to the collection and handling of your personal information as described in that policy, including disclosure to trusted third-party partners where necessary to provide comparisons, quotes, or related services.

By submitting an enquiry or otherwise engaging with the Website, you consent to being contacted by Compare Your Rates and its partners by telephone, SMS, email, or mail, including where your number is registered on the Do Not Call Register. You may opt out of receiving marketing communications at any time by following the unsubscribe instructions provided in those communications or by contacting us directly.

The Website may contain links to external websites operated by third parties. We do not endorse, and are not responsible for, the content, operation, or privacy practices of those external sites, and you access them at your own risk.

We may update, amend, or otherwise vary the Website or these Terms at any time without prior notice.

By continuing to use the Website after such changes are published, you agree to be bound by the revised Terms.

These Terms are governed by the laws of Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland and the Commonwealth of Australia in relation to any dispute arising from or in connection with the Website or these Terms.