Terms of Service

1. Acceptance of Terms

By accessing and using RateVault's website and services, you accept and agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree to these terms, please do not use our services.

2. About Our Service

RateVault is a comparison aggregator website that connects consumers with APRA-regulated financial institutions offering fixed term deposit products. We provide comparison services only.

3. No Financial Advice

The information provided on this website is for general informational and comparison purposes only. It does not constitute financial, investment, tax, or legal advice.

We strongly recommend that you seek independent professional advice from a qualified financial adviser who holds an AFSL before making any investment decisions. You should consider whether any investment is suitable for your particular circumstances and financial position.

4. APRA-Regulated Institutions

All financial institutions featured on our website are authorised and regulated by the Australian Prudential Regulation Authority (APRA) as Authorised Deposit-taking Institutions (ADIs). Deposits with these institutions are protected by the Financial Claims Scheme (FCS) up to $250,000 per account holder, per ADI.

While we take care to only feature regulated institutions, you should verify the regulatory status of any institution on the APRA Register at apra.gov.au before making any investment.

5. Accuracy of Information

While we strive to provide accurate and up-to-date information, interest rates, terms, and product details are subject to change without notice. Rates displayed are indicative only and must be confirmed directly with the financial institution before proceeding.

We make no representations or warranties regarding the accuracy, completeness, or timeliness of any information displayed on our website.

6. User Responsibilities

By using our services, you agree to:

• Provide accurate, current, and complete information when submitting enquiries
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorised use of your information
• Comply with all applicable Australian laws and regulations
• Use our services only for lawful purposes

7. Your Relationship with Financial Institutions

When you enquire about or invest in a fixed term deposit through our comparison service, your contractual relationship is directly with the financial institution, not with RateVault. We act solely as an introducer and bear no responsibility for the products, services, or conduct of these institutions.

8. Commercial Relationships

We may receive commissions, fees, or other remuneration from financial institutions when you make a successful enquiry or investment through our service. This commercial arrangement does not affect the rates you receive, which are the same as if you approached the institution directly.

9. Limitation of Liability

To the fullest extent permitted by law, RateVault shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from:

• Your use of or inability to use our services
• Any decisions made based on information provided on our website
• The acts or omissions of any third-party financial institution
• Technical failures or service interruptions

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by Australian law.

10. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of RateVault or our licensors and is protected by Australian intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

11. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party websites. Your use of third-party websites is at your own risk.

12. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the service after changes constitutes acceptance of the modified terms.

13. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

14. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Information

For questions about these Terms of Service, please contact us at info@ratevault.org