Privacy Policy

Effective Date: 12/08/2025

Myhomeloanrates.com.au (“we”, “our”, “us”) provides this website for general information purposes only. The site contains crowdsourced data in the finance niche and is not financial advice. You should seek independent professional advice before making any financial or investment decisions.

1. Information We Collect

• Information you submit voluntarily (e.g. data contributions, comments, contact details).
• Automatically collected information such as:
  • Browser type and version
  • Operating system
  • Device type
  • Pages viewed and time spent on the site
  • IP address and general location data
  • Referring website or source
  • Session data and usage patterns

2. How We Use Information

• Operate, maintain, and improve the site
• Display user-submitted data
• Monitor site usage and performance
• Detect, prevent, and address technical issues
• Communicate with you if you provide contact details
• Comply with applicable laws and regulations

We will never sell your personal information to third parties. However, we may disclose information if required by law or to protect our rights or the rights of others.

3. Crowdsourced Content

Content is contributed by users and may not be verified. We are not responsible for, and disclaim all liability in connection with, any errors, omissions, or outcomes resulting from the use of the site or its content.

4. Data Security

We take reasonable steps and use industry-standard measures to protect information we collect. However, no website, server, or internet transmission is completely secure. You use the site and submit information at your own risk. We do not guarantee or warrant the security of any information you transmit to us or that is stored on our systems.

5. No Financial Advice

All content is for general information purposes only and does not constitute financial, investment, legal, or other professional advice. Seek independent professional advice before acting on any information from this site.

6. Liability Disclaimer

To the maximum extent permitted by law, we exclude all liability for any loss, damage, costs, or expenses suffered in connection with your use of the site, its content, or your reliance on any information provided. We make no warranties or representations regarding the site, its operation, or its content.

7. Third-Party Links

The site may contain links to external sites. We are not responsible for the privacy practices or content of those sites.

8. Changes to This Policy

We may update this Privacy Policy at any time without notice. The updated version will be posted on this page.

9. Contact Us

If you have any questions about this Privacy Policy, contact us.

Terms of Use

Effective Date: 12/08/2025

By accessing or using this website (“Site”), you agree to these Terms of Use. If you do not agree, you must not use the Site.

1. General Information Only – No Financial Advice

• All content is for general information purposes only.
• The Site contains crowdsourced data that may be incomplete, inaccurate, or out of date.
• Nothing on the Site constitutes financial, investment, legal, or other professional advice.
• You must seek independent professional advice before making financial or investment decisions.

2. User-Submitted Content

• By submitting content, you grant us a non-exclusive, worldwide, royalty-free licence to use, reproduce, modify, publish, and display it for the operation of the Site.
• You are solely responsible for any content you submit and must ensure it does not violate any laws or third-party rights.
• We do not verify, approve, or endorse user-submitted content, and we are not liable for any loss or damage resulting from it.

3. Use of the Site

You agree not to:

• Upload or transmit harmful, offensive, or unlawful material
• Attempt to gain unauthorised access to the Site or its systems
• Interfere with the operation or security of the Site

We may suspend or terminate your access without notice if you breach these Terms.

4. Liability Disclaimer

The Site is provided “as is” without warranties of any kind. To the maximum extent permitted by law, we disclaim all liability for any loss, damage, costs, or expenses (including consequential loss) arising from your use of the Site or reliance on its content.

5. Third-Party Links

The Site may include links to third-party websites. We have no control over these sites and are not responsible for their content, policies, or practices.

6. Changes to These Terms

We may update these Terms at any time without notice. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

7. Governing Law

These Terms are governed by the laws of New South Wales, Australia. You submit to the exclusive jurisdiction of its courts.

8. Contact Us

If you have questions about these Terms, contact us.