Credit Simple Disclaimer

This disclaimer sets out important information about the scope of Credit Simple’s services.

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’ pages on Credit 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 tips and advice for living your best financial life and provides links to Clear Name (a separate website that helps you to manage 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 takes 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, legal or tax advice. We filter content and offers based on your credit score, but we don’t consider your financial situation (income, expenses, life needs) or personal objectives.

Our relationship with providers

We keep Credit Simple free by being paid a commission if you take up an offer and sometimes to display offers.

The offer provider (not us) assesses your application and decides whether or not to approve it. Credit Simple does not act as 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 Australia).

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 (formerly trading as Dun & Bradstreet) and can help you to correct errors. Credit Simple does not create any 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 information from your chosen Banks once on each day that you log into your Credit Simple account. Accordingly, the information that you access using Money Simple may not include your most recent transactions.

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.