Credit Simple Disclaimer

Last updated July 2020

This disclaimer sets out important information about the scope of Credit Simple’s services, available on the Credit Simple Website at https://www.creditsimple.com.au (in Australia), and https://www.creditsimple.co.nz (in New Zealand) and via the Credit Simple App that is available for download from the Apple or GooglePlay app stores.

Information on Credit Simple is for general information purposes only

Credit Simple helps you to access:

  • your personal credit information
  • information relating to all of your chosen Bank accounts (using the Money Simple).
  • commercial credit information about any company incorporated in your Territory if you are a director of that company (using Credit Simple for Business).

Credit Simple also provides you with general tips about living your best financial life and provides links to Clear Name (a separate website that helps you to understand your financial standing).

While we have endeavoured to ensure that the information available on Credit Simple is free from error, we do not warrant its accuracy, adequacy, timeliness or completeness or that it is suitable for your intended use. All information is provided for general information purposes only and should not be relied on to make any decisions.

You use Credit Simple and apply for any offers featured on Credit Simple at your own risk.

Credit Simple accepts no liability for your access to Credit Simple or any action you take arising from material or information on Credit Simple.

Information on Credit Simple is not advice

Credit Simple does not provide personalised financial, financial planning, legal or tax advice. We filter content and offers based on the Personal Information which you have agreed to share with us in accordance with our Privacy Policy and your preference settings. We don’t consider your personal financial situation (income, expenses, life needs) or personal goals or objectives.

Our relationship with providers

We keep Credit Simple free by being paid a commission if you take up an offer, sometimes we may be paid if we display offers.
If you choose to take up a credit offer it is the offer provider (not us) who would assess your application and decide whether or not to approve it. Credit Simple does not act as an agent of the provider. If there’s an issue with a good or service, you’ll have to contact the offer provider.

Credit Simple works with its providers to keep offers up to date. Credit Simple does not warrant the accuracy or completeness or currency of any offer. Offers are presented on an “as is” basis.

We can’t guarantee you will be approved for any advertised offer, and we don’t show you all offers available to you in the Australian market (if you are using the Australia site) or the New Zealand market (if you are using the New Zealand site).

Your credit score

Your personal credit score and comparisons against others’ personal credit scores will change over time, and those comparisons are made against only part (not all) of the Australian population (if you are using the Australia site) or the New Zealand population (if you are using the New Zealand site).

If you use Credit Simple for Business on Credit Simple, any credit score relating to a company that you have access to, and comparisons against credit scores relating to other companies, will change over time, and those comparisons are made against only part (not all) Australian companies (if the Territory is Australia) or New Zealand companies (if the Territory is New Zealand).

Credit Simple helps you obtain your personal credit score and, if you are using Credit Simple for Business, credit scores relating to companies incorporated in your Territory that you are a director of, from the credit reporting body illion and can help you to correct errors. Credit Simple does not create any credit scores and is not a credit reporting body.

Your banking information

If you use Money Simple on Credit Simple, the information that you access is accessed by or on behalf of Credit Simple from the banks that you choose to add to your Money Simple account. Credit Simple does not verify that information, including its accuracy. In addition, in general, Credit Simple will only access and update information from your chosen Banks once each day (for accounts that do not require multi-factor authentication) even if you do not log into your Credit Simple account on the Credit Simple Website or Credit Simple App.

If your accounts require multi-factor authentication, Credit Simple only supports these accounts on the Credit Simple Website (they are not supported in the Credit Simple App), this means the information is updated from your chosen Banks once only after you authenticate yourself on the Credit Simple Website using the individual authentication requirement of the financial institution. Accordingly, the information that you access using Money Simple may not include your most recent transactions as only those captured from last update will be available.

Security

Credit Simple takes the security of your information seriously. However, despite our best efforts, we cannot guarantee that Credit Simple’s services or the transmission of data over the internet will be 100% secure or uninterrupted.