Terms and conditions

1. About these terms

These Terms and Conditions ("Terms") govern your use of the Credizen Australia website at www.credizen.net/en-AU/ ("Website") operated by Credizen Pty Ltd ("Credizen", "we", "us"). By accessing or using our Website, you agree to these Terms.

2. Our service

Credizen provides a free loan comparison service that allows you to compare personal loan products from Australian lenders. We are not a credit provider, broker, or financial adviser. We do not:

• Provide financial advice or credit assessments
• Guarantee loan approval or specific rates
• Process or submit credit applications on your behalf
• Act as an agent for any lender

3. Comparison information

The loan product information displayed on our Website is sourced from lender websites and official product documentation. While we endeavour to keep this information accurate and up to date:

• Rates, fees, and terms may change without notice
• Comparison rates are based on a A$30,000 unsecured loan over 5 years and may differ for other amounts and terms
• You should verify all details directly with the lender before applying
• Our comparison may not cover all lenders or products available in the market

4. Your responsibilities

When using our service, you agree to:

• Provide accurate information in our comparison form
• Use the Website for lawful purposes only
• Not attempt to interfere with the operation of the Website
• Not scrape, copy, or reproduce our content without permission

5. Commission disclosure

Credizen receives a commission from lender partners when you successfully apply for a loan through our Website. This commission does not increase the cost of the loan to you and does not affect the rates or offers you receive.

6. Intellectual property

All content on this Website, including text, graphics, logos, and software, is owned by Credizen or its licensors and is protected by Australian intellectual property laws. You may not reproduce, distribute, or modify any content without our written consent.

7. Limitation of liability

To the maximum extent permitted by Australian law, Credizen is not liable for:

• Any loss or damage arising from your use of our comparison service
• Decisions you make based on information provided on our Website
• The actions, products, or services of any lender
• Any errors or omissions in the information displayed

Nothing in these Terms excludes or limits any consumer guarantees under the Australian Consumer Law that cannot be excluded or limited.

8. Privacy

Your use of our Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information in accordance with the Australian Privacy Principles.

9. Third-party links

Our Website contains links to lender websites and other external sites. We are not responsible for the content, privacy practices, or terms of use of these external sites. See our Disclaimer for more information.

10. Changes to these terms

We may update these Terms from time to time. Changes will be posted on this page with an updated date. Your continued use of the Website after changes constitutes acceptance of the revised Terms.

11. Governing law

These Terms are governed by the laws of Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Australia.

12. Contact

For questions about these Terms, contact us at maloni@outlook.com.

Last updated: April 2026