Disclaimer

About RateVault

RateVault is an independent comparison aggregator that helps consumers compare fixed term deposit products from authorised financial institutions. Our role is limited to:

• Displaying comparison information from APRA-regulated institutions
• Facilitating introductions between consumers and regulated providers
• Providing general information about fixed term deposit products

We do not handle customer funds, provide personalised financial advice, or make investment decisions on anyone's behalf. The financial institutions we compare are independently regulated by APRA.

General Information Only

The information provided on RateVault is for general informational and comparison purposes only. All information on the site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

Not Financial Advice

The content on this website does not constitute financial, investment, tax, or legal advice.

Before making any investment decision, you should seek independent professional advice from a financial adviser who holds an Australian Financial Services Licence (AFSL). A licensed adviser can provide personalised advice based on your individual circumstances, financial objectives, and risk tolerance.

To find a licensed financial adviser, visit ASIC's Financial Advisers Register at moneysmart.gov.au

APRA-Regulated Institutions

All banks, credit unions, and financial institutions featured on our comparison service are authorised and regulated by the Australian Prudential Regulation Authority (APRA) as Authorised Deposit-taking Institutions (ADIs). We do not feature unregulated providers.

You can verify the regulatory status of any institution by searching the APRA Register. We recommend you verify an institution's status before making any investment.

Rate Information

Interest rates displayed on our website are indicative only and subject to change without notice. Rates are sourced from financial institutions and may not reflect the most current rates available. Features and terms may vary. All rates and terms must be confirmed directly with the financial institution before proceeding with any investment.

Investment Risks

While fixed term deposits with APRA-regulated institutions are generally considered lower-risk investments compared to equities or other assets, all investments carry some level of risk:

• Inflation risk: Returns may not keep pace with inflation
• Interest rate risk: You may miss out on higher rates if market rates rise during your term
• Liquidity risk: Early withdrawal may result in penalties or reduced returns
• Institutional risk: Although mitigated by the Government Guarantee, there is always some residual risk

Past performance is not a reliable indicator of future results.

Financial Claims Scheme

Eligible deposits with APRA-regulated ADIs are protected by the Australian Government's Financial Claims Scheme (FCS) up to $250,000 per account holder, per ADI.

Please note:

• Some banking groups operate under the same ADI licence, meaning your protection limit applies across all brands within that group
• Joint accounts are protected up to $250,000 per account holder
• Protection is subject to eligibility criteria set by APRA

For full details, visit apra.gov.au/financial-claims-scheme

No Guarantee of Results

We make no guarantees regarding the outcomes of any investment decisions you make. The final investment decision and any consequences thereof are solely your responsibility. We are not liable for any losses arising from investment decisions made using information from our website.

Third-Party Institutions

When you make an enquiry or investment through our service, your contractual relationship is directly with the relevant financial institution. We are not responsible for:

• The products, services, or practices of third-party financial institutions
• Any disputes between you and a financial institution
• The performance or solvency of any institution
• Changes to rates, terms, or product availability

You should conduct your own due diligence before investing with any institution.

Commercial Relationships

RateVault may receive commissions, fees, or other payments from financial institutions for successful introductions or referrals. This commercial arrangement:

• Does not affect the rates you receive from financial institutions
• Does not influence the order in which we display products (unless clearly stated)
• May influence which products we feature on our website

Limitation of Liability

To the fullest extent permitted by law, under no circumstance shall RateVault have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

Professional Advice Recommended

Before making any financial decision, we strongly recommend that you:

• Consult with an AFSL-licensed financial adviser
• Review the Product Disclosure Statement (PDS) and any other documentation from the financial institution
• Consider your personal financial situation, objectives, and tax position
• Understand all fees, terms, and conditions associated with the investment
• Verify the regulatory status of any institution on the APRA Register
• Consider how the investment fits within your overall financial plan

Complaints

If you have a complaint about our comparison service, please contact us at info@ratevault.org

If you have a complaint about a financial institution or product, you should contact that institution directly. If unresolved, you may be able to refer your complaint to the Australian Financial Complaints Authority (AFCA) at afca.org.au

Contact

If you have questions about this disclaimer, please contact us at info@ratevault.org