Terms and Conditions
- These are the Terms and Conditions of Use of the website. By using the website, you agree to abide by these Terms and Conditions of Use.
- Hive Empire Pty Ltd (ABN 18 118 725 125) trading as Finder.com.au provides factual information, general advice and services on financial products as a Corporate Authorised Representative (432264) of Advice Evolution Pty Ltd AFSL 342880. Please refer to our FSG. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information.
- Finder.com.au 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 do not provide information on all available products, providers or services so please appreciate that there may be other options available to you then the products, providers or services covered by our service. You should consider seeking financial advice and consider your own personal financial circumstances when comparing products.
- We are not a product manufacturer nor are we owned by a bank, insurer or product manufacturer. While in some cases we may provide you with general financial product advice we don’t, and won’t, recommend specific providers, products or services. We want to provide you with the information and confidence to make an informed decision but we don’t know enough about you to provide you with personal advice about your specific needs or circumstances.
- In order to provide you with quotes, comparisons, factual information or advice we may need to collect some basic information about you such as your age, gender and occupation. By clicking “quote” or “enquiry” buttons you’re authorising us to provide your information to an adviser or broker who will call you to provide you with personal advice about your options and available products.
- We compare insurance data basic information such as interest rates, application fees and other data which can be objectively determined. We do not assess if a particular product is suitable for you. Providing or obtaining an estimated quote from LifeInsuranceFinder.com.au does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle.
- We endeavour to ensure that the information and other content on our website is accurate and current but we can’t guarantee the accuracy or currency of the information on which we’ve relied. We suggest that you use your own judgment and read the Product Disclosure Statement before you make any decision about a financial product covered by our site. If you find an error in our data please let us know and we’ll correct our site.
- To the extent permitted by law, Hive Empire disclaims all liability to any person in relation to use of the website, and you waive all claims against Hive Empire in relation to your use of the website. Hive Empire accepts no liability for any interference with or damage to a user’s computer, software or data occurring in connection with or relating to the website or its use or any website linked to this website, and does not represent or warrant that applications initiated through the website will in fact be received or made to the intended recipient. Users are advised to confirm the application by other means.
- The website includes links to other websites operated by community, business and government. These linked websites will have their own terms and conditions of use and you should familiarise yourself with these. All linked websites are linked “as is” and Hive Empire does not sponsor, endorse or necessarily approve of any material on websites linked from or to this site; does not make any warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of any material on websites linked from or to this site; does not make any warranties or representations that material on other websites to which this site is linked does not infringe the intellectual property rights of any person anywhere in the world; and does not authorise the infringement of any intellectual property rights contained in material in other websites by linking the website to those other websites.
- If you have a complaint or dispute in relation our service, please email our complaints handling office using the following email address: email@example.com
- The information and data on the website is subject to change without notice.
- Hive Empire may revise the Terms and Conditions of Use at any time by updating this posting.
- Unless expressly stated otherwise, Hive Empire claims copyright ownership of all material on the website. You may download, display, print and reproduce this material in unaltered form (attaching a copy of this notice) for your personal, non-commercial use. Hive Empire reserves the right to revoke such permission at any time. Apart from this permission and uses permitted under the Copyright Act 1968 (Cth), all other rights are reserved.
Selection & Ordering of Products
- Regarding the ordering of products, we believe there is no perfect order nor perfect ranking system. Our products are therefore displayed in no particular order or ranking and instead we provide functionality for users to self-select and compare products.There is no particular basis or system of awards or ratings for the products on this site.
- The products listed in the tables on our website are selected based on a number of features including but not limited to:
- Features: including, but not limited to interest rates, annual fees and penalty fees.
- Promotions: the availability of promotions in relation to particular products.
- Access: whether a financial institution is offering a particular product at a particular time.
- Comparisons are not intended to be comprehensive of the market of available products and the not all providers in the market will always be included in our comparisons.
- Where advertisements appear on this site they should not be taken as ranking or referencing any particular product above another in terms of its suitability for your use. Where terms such as “Top”, “Best”, “Featured”, “Editor’s Choice” and other terms indicating a selection of products but are in a no particular order, these terms are not based on objective criteria and may not apply in relation to your personal circumstances.
- Financial products compared do not compare all the features that may be relevant to you in your choices about which product to utilise.
- Where it is stated on this site that we have analysed offers in the market, the process of analysis is restricted to the information subsequently disclosed and may not be suitable for your personal circumstances.
- Where our site links to particular products or displays ‘Enquire now’ buttons, we may receive a commission, referral fee or payment in relation to your clicking of this link. We also in some cases include products in particular comparisons or display products as ‘featured’ where the products being displayed or compared have commissions or referral fees or payments associated with them which we receive from product providers. In some cases we may receive remuneration for referring you to an adviser or product issuer. These arrangements vary but if you are referred to an adviser they will tell you what referral arrangements are in place.
Hive Empire Pty Ltd ACN 118 785 121(“Hive Empire” or “we”) takes your privacy seriously. We have adopted the following principles in relation to how we manage personal information.
1.1 We will not collect your personal information unless it’s necessary to provide the information, advice or service you’ve requested.
1.2 Hive Empire will collect personal information only by lawful and fair means and not in an unreasonably intrusive way.
1.3 At or before the time (or, if that is not practicable, as soon as practicable after) Hive Empire collects personal information about you, Hive Empire takes reasonable steps to ensure that you are aware of:
(a) the identity of the organisation and how to contact it; and
(b) or the fact that you are able to gain access to the information; and
(c) the purposes for which the information is collected; and
(d) the organisations (or the types of organisations) to which the organisation usually discloses information of that kind; and
(e) any law that requires the particular information to be collected; and
(f) the main consequences (if any) for you if all or part of the information is not provided.
1.4 If it is reasonable and practicable to do so, Hive Empire will collect personal information about an individual only from that individual.
1.5 If Hive Empire collects personal information about an individual from someone else, it takes reasonable steps to ensure that you have been made aware of the matters listed in subclause 1.3 except to the extent that making you aware of the matters would pose a serious threat to the life or health of any individual.
2. Use and disclosure
2.1 Hive Empire will not use or disclose personal information about an individual for a purpose (the secondary purpose) other than the primary purpose of collection unless:
(a) both of the following apply:
(i) the secondary purpose is related to the primary purpose of collection and, if the personal information is sensitive information, directly related to the primary purpose of collection;
(ii) you would reasonably expect the organisation to use or disclose the information for the secondary purpose; or
(b) you have consented to the use or disclosure; or
(c) if the information is not sensitive information and the use of the information is for the secondary purpose of direct marketing:
(i) it is impracticable for Hive Empire to seek your consent before that particular use; and
(ii) Hive Empire will not charge you for giving effect to a request by you to the organisation not to receive direct marketing communications; and
(iii) you have not made a request to Hive Empire not to receive direct marketing communications; and
(iv) in each direct marketing communication with you, the organisation draws to your attention, that you may express a wish not to receive any further direct marketing communications; and
(v) each written direct marketing communication by Hive Empire with you (up to and including the communication that involves the use) sets out Hive Empire contact details; or
(d) Hive Empire reasonably believes that the use or disclosure is necessary to lessen or prevent:
(i) a serious and imminent threat to an individual’s life, health or safety; or
(ii) a serious threat to public health or public safety; or
(e) Hive Empire has reason to suspect that unlawful activity has been, is being or may be engaged in, and uses or discloses the personal information as a necessary part of its investigation of the matter or in reporting its concerns to relevant persons or authorities; or
(f) the use or disclosure is required or authorised by or under law; or
(g) Hive Empire reasonably believes that the use or disclosure is reasonably necessary for one or more of the following by or on behalf of an enforcement body:
(i) the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law;
(ii) the enforcement of laws relating to the confiscation of the proceeds of crime;
(iii) the protection of the public revenue;
(iv) the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct;
(v) the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of the orders of a court or tribunal.
(h) The information contained in the website is not to be displayed except in full screen format. No liability is accepted for any information or services which may appear in any other format.
(i) If you use automatic language translation services in connection with the website, you do so at your own risk.
3. Data quality
Hive Empire will take reasonable steps to make sure that the personal information it collects, uses or discloses is accurate, complete and up-to-date.
4. Data security
4.1 Hive Empire will take reasonable steps to protect the personal information it holds from misuse and loss and from unauthorised access, modification or disclosure.
4.2 Hive Empire will take reasonable steps to destroy or permanently de-identify personal information if it is no longer needed for any purpose for which the information may be used or disclosed under National Privacy Principle 2.
4.3 Although Hive Empire maintains a regular plan of recovery in the event of the loss of data stored in relation to products and for the purposes of compliance with internal dispute resolution procedures, we do not store individual personal data in relation to people’s use of the website, or any aspect of personal details such as names, addresses, phone numbers, email addresses or credit card data which may be used to identify a person or their insurance information.
5.1 Hive Empire will set out in a document clearly expressed policies on its management of personal information. The organisation must make the document available to anyone who asks for it.
5.2 On request by a person, Hive Empire will take reasonable steps to let the person know, generally, what sort of personal information it holds, for what purposes, and how it collects, holds, uses and discloses that information.
6. Access and correction
6.1 If Hive Empire holds personal information about an individual, it will provide you with access to the information on request by you, except to the extent that:
(a) in the case of personal information other than health information, providing access would pose a serious and imminent threat to the life or health of any individual; or
(b) in the case of health information, providing access would pose a serious threat to the life or health of any individual; or
(c) providing access would have an unreasonable impact upon the privacy of other individuals; or
(d) the request for access is frivolous or vexatious; or
(e) the information relates to existing or anticipated legal proceedings between the organisation and you, and the information would not be accessible by the process of discovery in those proceedings; or
(f) providing access would reveal the intentions of the organisation in relation to negotiations with you in such a way as to prejudice those negotiations; or
(g) providing access would be unlawful; or
(h) denying access is required or authorised by or under law; or
(i) providing access would be likely to prejudice an investigation of possible unlawful activity; or
(j) providing access would be likely to prejudice:
(i) the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law; or
(ii) the enforcement of laws relating to the confiscation of the proceeds of crime; or
(iii) the protection of the public revenue; or
(iv) the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct; or
(v) the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of its orders,
by or on behalf of an enforcement body; or
(k) an enforcement body performing a lawful security function asks the organisation not to provide access to the information on the basis that providing access would be likely to cause damage to the security of Australia.
6.2 However, where providing access would reveal evaluative information generated within the organisation in connection with a commercially sensitive decision-making process, Hive Empire will give you an explanation for the commercially sensitive decision rather than direct access to the information.
6.3 If Hive Empire is not required to provide you with access to the information because of one or more of paragraphs 6.1(a) to (k) (inclusive), it will, if reasonable, consider whether the use of mutually agreed intermediaries would allow sufficient access to meet the needs of both parties.
6.4 If Hive Empire charges for providing access to personal information, those charges:
(a) will not be excessive; and
(b) will not apply to lodging a request for access.
6.5 If Hive Empire holds personal information about an individual and you are able to establish that the information is not accurate, complete and up-to-date, the organisation must take reasonable steps to correct the information so that it is accurate, complete and up-to-date.
6.6 If both you and Hive Empire disagree about whether the information is accurate, complete and up-to-date, and you ask the organisation to associate with the information a statement claiming that the information is not accurate, complete or up-to-date, the organisation must take reasonable steps to do so.
6.7 Hive Empire will provide reasons for denial of access or a refusal to correct personal information.
7.1 Hive Empire will not adopt as its own identifier of an individual an identifier of the individual that has been assigned by:
(a) a government agency; or
(b) an agent of a government agency acting in its capacity as agent; or
(c) a contracted service provider for a Commonwealth contract acting in its capacity as contracted service provider for that contract.
7.2 Hive Empire will not use or disclose an identifier assigned to an individual by an agency, or by an agent or contracted service provider mentioned in subclause 7.1, unless:
(a) the use or disclosure is necessary for the organisation to fulfil its obligations to the agency; or
(b) one or more of paragraphs 2.1(e) to 2.1(h) (inclusive) apply to the use or disclosure; or
(c) the use or disclosure is by a prescribed organisation of a prescribed identifier in prescribed circumstances.
7.3 In this clause, identifier includes a number assigned by an organisation to an individual to identify uniquely the individual for the purposes of the organisation’s operations. However, an individual’s name or ABN (as defined in the A New Tax System (Australian Business Number) Act 1999) is not an identifier.
Wherever it is lawful and practicable, individuals must have the option of not identifying themselves when entering transactions with Hive Empire.
9. Transborder data flows
Hive Empire may transfer personal information about an individual to someone (other than the organisation or the individual) who is in a foreign country only if:
(a) Hive Empire reasonably believes that the recipient of the information is subject to a law, binding scheme or contract which effectively upholds principles for fair handling of the information that are substantially similar to the National Privacy Principles; or
(b) you consent to the transfer; or
(c) the transfer is necessary for the performance of a contract between you and Hive Empire, or for the implementation of pre-contractual measures taken in response to your request; or
(d) the transfer is necessary for the conclusion or performance of a contract concluded in the interest of the individual between the organisation and a third party; or
(e) all of the following apply:
(i) the transfer is for the benefit of the individual;
(ii) it is impracticable to obtain your consent to that transfer;
(iii) if it were practicable to obtain such consent, you would be likely to give it; or
(f) Hive Empire has taken reasonable steps to ensure that the information which it has transferred will not be held, used or disclosed by the recipient of the information inconsistently with the National Privacy Principles.
10. Sensitive information
10.1 Hive Empire will not collect sensitive information about yourself unless:
(a) you have consented; or
(b) the collection is required by law; or
(c) the collection is necessary to prevent or lessen a serious and imminent threat to the life or health of any individual, where the individual whom the information concerns:
(i) is physically or legally incapable of giving consent to the collection; or
(ii) physically cannot communicate consent to the collection; or
(d) the collection is necessary for the establishment, exercise or defence of a legal or equitable claim.
Hive Empire stores your details if you subscribe to a Finder.com.au email service. Hive Empire cannot be held responsible for breach of security and any losses due to any breach of security. Details that you enter when you sign up to receive updates will be used to fulfil our obligations to you. These include:
- Answering enquiries.
- Responding to feedback, comments, or any other contact.
- Sending you email newsletters that you have subscribed to.
Your information will also be used by Hive Empire for:
- Analysis and assessment.
- Carrying out competitions.
Your information will only be passed to third parties and authorities involved in fraud detection and prevention.
You are able to request access to information held about you by Hive Empire. To make such a request, please write a letter to us at:
Hive Empire Pty Ltd
Attn: Privacy Manager
Level 10, Suite 1, 99 York St
Sydney NSW 2000
Hive Empire takes your privacy seriously and if any issue has arisen in relation to privacy and the use of this site, you may contact Hive Empire at firstname.lastname@example.org
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), Hive Empire 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.