Terms and Conditions

About Credabl's Website and App

Please read the following Terms and Conditions carefully. You acknowledge that your installation and use of any mobile application (App), and every website or social media account (collectively, Website), owned or controlled by Credabl Pty Ltd (ACN 615 968 100) (Credabl, we, us or our) and its related services is an indication of your acceptance of these Terms and Conditions and our Privacy Statement.

We may, in our sole discretion choose to vary or modify these Terms and Conditions without notice. Any subsequent access to, or use by you of the Website or App will constitute an acceptance of those variations and modifications.

Copyright and trademarks

Credabl is either the owner or licensed user of the copyright in the material on the Website and App. You must not reproduce, adapt, upload, link, frame, broadcast, distribute or in any way transmit the material on the Website and/or App without our written consent, except that you may to the extent necessary view or print individual pages for your own personal use.

Transmission of information

Your attention is drawn to the fact that information transmitted via the Internet is susceptible to monitoring and interception. You will bear all risk of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us.

Important disclaimers

All information contained on the Website and App is provided in good faith and has been derived from sources believed to be reliable and accurate. We have not verified the accuracy or completeness of the information and do not make any warranty as to the accuracy or completeness of the information.

The App and/or Website is provided on an 'as is' and 'as available' basis for your use, without warranties of any kind, express or implied.

The Website and App may include technical, typographical or other inaccuracies and you are urged to contact us to confirm the information contained on the Website and/or App before placing any reliance on it. Changes are periodically made to the information on the Website and App and these changes will be incorporated in new editions of the Website and App. We cannot guarantee that the Website and App will operate free of error or defects or that it is free from computer viruses or any other contaminating computer program.

We do not accept any liability for any acts or omissions resulting from your decisions or opinions formed on the basis of your use of the Website and/or App or information contained on our Website and App.

To the maximum extent permitted by law, Credabl exclude all liability for any damage or loss resulting from your use of or inability to use the Website and/or App or the information contained on the Website and/or App, including without limitation any direct, indirect, special, incidental, consequential or punitive damages, whether arising out of contract, statute, tort or otherwise.

Where Credabl suffers any loss relating to your acts or omissions to act in using the Website or the App, you agree to indemnify, defend and hold us, our partners, licensors, affiliates, contractors, officers, directors, employees and agents harmless from all damages, losses and expenses arising directly or indirectly from your acts and omissions to act in using the App and/or Website pursuant to these Terms and Conditions.

No personal financial, credit or investment advice provided to you

The Website and App are not designed for the purpose of providing personal financial, credit or investment advice. Information provided does not take into account your particular investment objectives, financial situation or investment or credit needs.

You should assess whether the information on the Website and App is appropriate to your particular investment objectives, financial situation and investment and credit needs. You should do this before making an investment decision on the basis of the information on the Website and App. You can either make this assessment yourself or seek the assistance of an adviser.

Unless otherwise expressly stated to the contrary, the information on the Website and App is not a recommendation or a statement of opinion to influence you to make a decision about a financial product or class of financial products or to invest in any investments, securities or financial products.

We strongly recommend that you contact Credabl directly to discuss any credit related matters.

Cookies and online tracking

Credabl uses cookies and similar technologies on our website to enhance user experience, analyse site traffic, and deliver personalised content and advertising.

What are cookies?

Cookies are small data files stored on your device when you visit our website. They help us understand how you interact with our content and allow us to remember your preferences.

How we use cookies

We may use both first-party and third-party cookies (such as those from Google and Meta) to:

- Improve functionality and user experience;

- Deliver relevant advertising through remarketing to visitors who have previously engaged with our website;

- Promote products, services, or offers that may be of interest to you based on your browsing behaviour.

These technologies help us serve targeted ads on platforms such as Facebook, Instagram, and Google, and to measure the effectiveness of those ads.

Managing cookies

You can manage or disable cookies through your browser settings at any time. Please note that restricting cookies may impact the functionality of our website.

To learn more about managing advertising preferences or opting out of targeted advertising, you can visit:

- Google Ads Settings

- Meta (Facebook) Ad Preferences

Other Website and App links

The Website and App may contain links to other websites operated by entities which do not belong to us (third party websites). Links to third party websites have been provided solely for your convenience and to enable you to obtain further information about other organisations and activities that may be of interest to you. We have no control over the information on these third party websites and we make no representations regarding the accuracy or suitability of the information, services, or products described on them. No responsibility or liability is accepted by us with regard to the content of those third party websites. You must make your own enquiries in relation to these third party websites. Inclusion of a link to a third party site should not be construed as that party’s endorsement of the Website and App or vice versa. By linking to sites operated by third parties, we are not authorising the reproduction of any material on such sites, as such material may be the subject of intellectual property rights of third parties.

Software applications accessible from our Website and App

Some of the software programs that may be downloaded through third party links from our Website and App are products belonging to third parties. The use of such third party software is at your own risk. Such software is likely to be subject to licensing terms imposed by the owner of that software. To the maximum extent permitted by law, we exclude all liability in relation to using or downloading any software (third party or otherwise) that may be accessed from the Website and App. No warranty or representation is made by us in relation to such software. In particular, to the maximum extent permitted by law, we exclude all liability for any damage (including, without limitation, loss of data, interruption to business and loss of profits) resulting from viruses or other consequence of using or downloading any software (third party or otherwise) accessible through the Website and App.

Access account

You may be required to provide a username, password or other personal information to gain access to the App or Website (Access Account). You are solely responsible for all acts and omissions that occur under your Access Account. Do not share your Access Account details with any other person. Unauthorised use of your Access Account is a breach of these Terms and Conditions and will result (if applicable) in that user’s removal from the App and/or Website. Credabl accepts no liability for any loss, injury or damage resulting from the unauthorised use of your Access Account. You agree to notify us immediately if any unauthorised use of your Access Account is detected or any other breach of security occurs.

Credabl reserves the right to refuse access to the App and/or Website, remove any person(s) from the App and/or Website, or modify a person’s Access Account at any time, without notice.

Internet connection 

In order for the App to operate, you may be required to have and maintain an adequate internet connection. If you do not maintain such a connection, the App may not operate properly.

Information collection and usage

By installing and using the App, you consent to these information collection and usage terms, including (where applicable) transfer of data to us and affiliated companies into a country outside of Australia. If you connect to the Internet when using the App, we may receive information from hardware manufacturers and may automatically collect certain information from, including but not limited to, your computer, tablet or smart phone.

The information collected by us may be shared with hardware manufacturers or platform hosts, or used by us for any other lawful purpose. By using the App you consent to our use of related data. If you do not want your information shared in this manner, then you should not use the App.

Termination 

These Terms and Conditions are effective until terminated by you, by us, or automatically upon your failure to comply with these Terms and Conditions. Upon any termination, you must permanently destroy all copies of the App, accompanying documentation, associated materials, and all of its component parts in your possession or control including from any client server or computer/device on which it has been installed.

Apple App Store additional license terms

If any software is provided to you through the Apple Inc. (Apple) App Store, then the following additional terms in this paragraph apply. These Terms and Conditions are solely between you and us, and not with Apple. You acknowledge that Apple has no obligation to furnish any maintenance or support services to you in connection with the App. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Any claim in connection with the App related to product liability, a failure to conform to applicable legal or regulatory requirements, claims under consumer protection or similar legislation or intellectual property infringement are governed by these Terms and Conditions, and Apple is not responsible for such claims. You must comply with the App Store Terms of Service, including the Usage Rules. The license to the App is a non-transferable license to use the App only on an iPhone, iPad or iPod touch that you own or control. You represent that you are not located in any U.S. embargoed countries or on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person's list or Entity List. Apple is a third-party beneficiary to this Agreement and may enforce these Terms and Conditions against you.

Android Market additional license terms

If any software is provided to you through the Google Play Android Market (Google), then the following additional terms in this paragraph apply. These Terms and Conditions are solely between you and us, and not with Google. You acknowledge that Google has no obligation to furnish any maintenance or support services to you in connection with the App. Any claim in connection with the App related to product liability, a failure to conform to applicable legal or regulatory requirements, claims under consumer protection or similar legislation or intellectual property infringement are governed by these Terms and Conditions, and Google is not responsible for such claims. You must comply with the Google Play Terms of Service, including any usage rules.

Governing law and jurisdiction

These Terms and Conditions and your use of the Website and App are governed by and construed in accordance with the laws of New South Wales and any disputes will be decided only by the Courts of New South Wales.

If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms and Conditions has full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy.

Credabl Pty Ltd ACN 615 968 100