Disclaimer

1. The bestcreditcards.com.au website (the “website”) is owned and operated by Hive Empire Pty Ltd ACN 118 785 121 (“Hive Empire” or “we”) with Australian Credit License Number 385509.
2. 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.
3. bestcreditcards.com.au is a free information service. It gives you tools to identify and compare options. It does not make decisions for you. Hive Empire does not provide credit assistance: it does not suggest that you apply for a particular credit card with a particular credit provider, and does not assist you to apply for a particular credit card with a particular credit provider.
4. We compare accounts on basic data 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.
5. Information on the website is only factual information about products or classes of products. It is not a statement of opinion or advice or a recommendation, express or implied. You acknowledge through the use of the website that you do not rely on the website as any form of professional or personal advice. You should seek the independent advice of an appropriate professional to verify your selection of a product.
6. No claim is made as to the accuracy or authenticity of the content of the website. Hive Empire does not accept any liability to any person for the information provided on the website or incorporated into it by reference. Use of the information and data contained within the website or these pages is at your sole risk. If you rely on the information on the website you are responsible for ensuring by independent verification its accuracy, currency or completeness.
7. Hive Empire is not a savings account provider. We do not perform checks to ensure that you are able to afford a product.
8. 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.
9. In some cases we receive a commission for referrals.
10. 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.
11. If you have a complaint or dispute in relation our service, please email our complaints handling office using the following email address: complaints@hiveempire.com
12. If we are unable to resolve your complaint, it will be referred to the external dispute resolution service of which we are a member.
13. 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 other sensitive personal information.
14. 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.
15. 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.
16. If you use automatic language translation services in connection with the website, you do so at your own risk.
17. The information and data on the website is subject to change without notice.
18. Hive Empire may revise the Terms and Conditions of Use at any time by updating this posting.
19. 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.