Terms and Conditions

The Rateseeker service and how we are paid

We provide a service on this Website which enables you to research and compare home loans all of which are provided by our aggregator. Our comparison service is free for you to use and we receive commission when you use our service and engaged our affiliated mortgage brokers to obtain a home loan.

Permitted use

You are only permitted to use this Website for personal use, subject to your compliance with these Terms of Use. Commercial use of this Website is strictly prohibited

  1. You are not permitted to do anything that may affect the security of this Website or any information or material stored within it.
  2. You agree not to:
    1. use any automated tool (such as a spider, robot or aggregation tool) to access, copy or extract such information;
    2. copy or disclose to any person, any Website content, other than as expressly permitted by these Terms of Use;
    3. use any method or process (including data scraping, collection or accumulation tool, robot, spider or scripted responses) for the purpose of obtaining, processing, copying, replicating, distributing, reconfiguring, republishing, viewing, assessing, analysing, modifying or repackaging any Website content;
    4. use any method or process to consolidate or combine any Website content with any other content, data, information, images or material;
    5. reverse engineer, disassemble or otherwise attempt to construct or identify this Website’s source code, formulas or processes;
    6. use systematic, repetitive or any other methods which are designed to obtain a large number of quotes, comparisons, rankings or other pricing and related information from this Website;
    7. use, obtain or attempt to obtain from this Website, information in order to identify or discover pricing, underwriting, rating and related business methodology or systems; or
    8. post, distribute or send any ‘spamming material’ or any other form of bulk communication.
  3. You are not permitted to use this Website in any unlawful or fraudulent manner.
  4. You agree that if you provide any information on this Website, that information will be true, accurate and complete.

No advice

Rateseeker does not offer financial, investment or other advice. Nothing on this Website constitutes financial, investment or other advice by us in relation to any product.

This Website is intended to be used for comparison and research purposes, but Rateseeker is not able to bind any third party provider or ensure that any third party provider sells any product to you. Accordingly, nothing on this Website amounts to an offer by us or any third party provider to:

  1. sell any product to you;
  2. enter into any contract with you.

Intellectual property rights

The word or mark “Rateseeker” however represented, all associated logos and symbols, and any combinations with another word or mark, are the trademarks of Rateseeker or one of its group companies.

All intellectual property rights in any material or content contained in or accessible via this Website is either owned by Rateseeker or has been licensed to us for use by us.

You will only make fair use of the trademarks on this Website and will not use them:

  1. as part of your own marks;
  2. in a manner which is likely to cause confusion or damage to the reputation of Rateseeker; or
  3. to identify or imply endorsement or otherwise of products or services to which they do not relate.

Except as set out elsewhere in these Terms of Use, none of the intellectual property rights belonging to Rateseeker or our licensors in and relating to this Website (including any content or material displayed on this Website) may be used, copied, published or distributed by you without our prior written consent.

Exclusions of liability

This Website, content and services are supplied to you on a strictly “as is” basis and we make no warranties, express or implied, regarding their satisfactory quality, fitness for a particular purpose, reliability, timeliness, accuracy, completeness, security or that they are free from error.

We try to ensure that the information displayed on this Website is accurate, however your access to this Website and any action you carry out on the basis of information you obtain from this Website is carried out entirely at your own risk and we accept no liability for any losses that you may suffer as a result.

We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.

We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.

We will not be liable for any loss of use, profits or data or any indirect, special or consequential damages or losses, whether such losses or damages arise in contract, negligence or tort, or otherwise in relation to:

  1. your use of, reliance upon or inability to use this Website or content;
  2. the deletion with or without notice or cause of any of your data or information stored on this Website;
  3. any loss of your content or communications resulting from delays, non-deliveries, missed deliveries, service interruptions or a failure, suspension or withdrawal of all or part of this Website at any time;
  4. the removal from this Website of any content or communications sent or posted by you on or via this Website;
  5. any circumstance that is outside of our reasonable control; and
  6. any loss or damage that is not directly caused by us or which we could not reasonably expect at the time we entered into our agreement with you.

Nothing in these Terms of Use is intended to exclude or limit our liability for death or personal injury, our fraud or any other liability which we may not by law exclude or limit.


You agree to indemnify us, our directors, employees, agents, and contractors for any loss suffered, or any costs that may be incurred arising from your breach of these Terms of Use or your use of this Website.

Contact us

We have a number of links on this Website. These may take you to other websites. The purpose of these links is to provide you with easy access to further information you may need in making your purchase decision. In no circumstances do we make representations about the accuracy of any information contained on any other websites. We exclude all liability for any loss, damage, cost or expense you incur in accessing or attempting to access a third party site.


If any part of these Terms of Use is determined to be legally invalid or unenforceable, such provision will be superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the terms will continue unaffected.

You or we will not be prevented from taking any further action if you or we fail to enforce the rights granted under these Terms of Use.

These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supersedes any prior agreements (including any previous terms of use of this Website).