Website Terms of Use

This website is owned and operated by Wisr Services Pty Ltd (ACN 616 806 949) (“Wisr Services”,”we”, “our” and “us”). Wisr Services holds copyright over the contents of this website unless indicated otherwise.

Your use of, or access to, the WisrCredit website (“this website”) is conditional upon your acceptance and compliance with the terms, conditions and disclaimers (“terms of use”) contained within this document and elsewhere on this website.

We shall have the right, at our sole discretion, to modify, add or remove any terms or conditions of these terms of use without notice or liability to you. Any changes to these terms of use shall take effect immediately.

ADVICE WARNING

Information provided on this website is of a general and informative nature only and is not intended as, nor is it a substitute for, personal financial product advice.

As this website has been prepared without consideration of any specific client’s investment objectives, financial situation or needs, independent professional advice should be obtained before any financial decision is made.

APPOINTING US AS YOUR ACCESS SEEKER

By appointing and authorising us to act as your Access Seeker for the purposes of the Privacy Act 1988 (Cth) to obtain your credit score(s), you consent and authorise:

a) Us to collect, use, disclose, transfer or otherwise handle the information within your credit score(s);

b) Us to use your credit score(s) for the purposes of providing you with access to information and relevant opportunities on this website;

c) Experian Australia Credit Services Pty Ltd ABN 12 150 305 838 (“Experian”) to:

i) collect and use the Personal Information we collect from you when requesting for your credit score from Experian;

ii) use, disclose, transfer, store or otherwise handle your Personal Information for use within Experian’s credit files and storage;

iii) generate your Experian credit score and to deliver your Experian credit score to us so that we may provide this to you through this website.

You also acknowledge that:

a) We will be using your access rights to consumer credit information which means that you may be charged in the future for information that would have been available for free from credit reporting bodies;

b) We collect information from Dun & Bradstreet, a credit reporting body. Further information on how Dun & Bradstreet collects, holds, uses and discloses your credit information is available from checkyourcredit.com.au.

c) To make a change to credit information, you need to say how it is wrong and provide documentation to support your view. You agree to provide the credit reporting body (through us) certified copies of documents or statutory declarations where no other documentation is available (“Supporting Documentation”). Where we represent you in any required correct of information, you agree that we will provide the Supporting Documentation to the credit reporting body, and we will be responsible for providing the credit reporting body’s response to your correction request to you both truthfully and accurately.

RELIANCE ON WEBSITE CONTENT

While all reasonable efforts have been made to ensure that the information contained in this website is accurate and up to date, it is not designed to provide personal financial advice. The information provided does not take into account your particular financial objectives, situation, or needs. You should not act on the basis of any information contained on the website without seeking appropriate specific advice.

While Wisr Services has made every effort to ensure that the information presented in this website is free from errors or omissions and is based on information obtained from sources which are considered reliable, Wisr Services, its related bodies corporate, and the directors, employees and consultants of Wisr Services and its related bodies corporate (“Wisr Group”) do not represent, warrant or guarantee, expressly or implied, that the information contained in this website is complete, accurate or is suitable for your intended use. Nor does the Wisr Group accept any responsibility to inform you of any matter that subsequently comes to its notice, which may affect any of the information contained in this website. No liability will be accepted by the Wisr Group to any person for loss or damages incurred as a result of any reliance or action taken regarding the information made available in this website.

NETWORK INTEGRITY

While Wisr Services has taken reasonable steps to ensure the integrity of our computer networks, we are unable to guarantee files and attachments are free from contamination. Before opening any attachments or emails, or downloading files from this website, visitors to this website should ensure they have precautions in place to protect against viral infection.

LINKED THIRD PARTY WEBSITES

This website may contain links to other websites, however, we do not endorse, review, approve or accept any responsibility in relation to the operators of linked third party sites or the information and material on such sites, nor the products or services offered. To the extent permitted by law, Wisr Services and its respective directors, officers and agents disclaim all responsibility for any loss or damage which may be suffered by any person directly or indirectly through any person’s dealings with them or by use of the website whether that loss or damage is caused by any fault or negligence on the part of Wisr Services, its directors, officers, employees.

INDEMNITY

Other than any responsibilities implied by law which cannot be excluded, you agree to indemnify and hold Wisr Services and its related bodies corporate, its affiliates, its staff, employees, and agents harmless from any claim or demand, including reasonable legal fees, whatsoever arising out of or referable to material on this website or to any linked third party material, whether in contract, or including negligence, statute or otherwise.

You expressly understand and agree that your use of the service is at your sole risk and that this website is provided on an “as is” and “as available” basis.

JURISDICTION

All information and services contained within this website are governed by and are to be construed according to the laws applicable in the State of New South Wales and the Commonwealth of Australia.

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