Terms and conditions
Terms of use for the Credizen Australia service
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
How these terms apply in practice
These terms govern your use of the Credizen platform as a comparison service. They do not replace the separate terms, privacy policy, disclosures, or loan contract you may see from a lender after leaving Credizen. If you continue to a lender, that lender's own process becomes the controlling document set for any application, approval, and repayment obligations.
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
For more detail on how product data is weighted and reviewed, see our methodology. For service limitations and legal framing around results, read the disclaimer.
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
Accuracy of information you provide
The comparison experience depends on the information you enter. If the details you provide are incomplete, inconsistent, or outdated, comparison results may be less relevant and a lender may later assess you differently. You remain responsible for checking that any information you submit is accurate before proceeding.
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.
Complaints and dispute routing
If your concern relates to Credizen's platform, content, or handling of your information, contact us directly through our contact page. If your concern relates to a lender decision, loan contract, pricing outcome, or lender conduct, you should raise it with the lender first and then escalate through the lender's complaints pathway where appropriate.
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.
Related pages
If you want to compare current options, use the loan comparison flow. For privacy rights and data handling, see the privacy policy. For ranking logic, review our methodology.
Last updated: April 2026