Terms of Use

Terms of Use

This is the Terms of Use of Wisr Limited ACN 004 661 205, Wisr Finance Limited ACN 119 503 221 and Wisr Services Limited ACN 616 806 949 Wisr, we, us and our.

Your use of, or access to this website and our products and services which includes the Credit Scores Check service, and the Wisr App App 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 or the App.

  1. Intellectual Property Rights

This website, the App, and all content contained on this website and the App except third party content Wisr content is owned and operated by us and we hold copyright over this website, the App and Wisr content unless indicated otherwise.

You must not do anything which breaches or otherwise interferes with our intellectual property rights or the intellectual property rights of any of our third party licensors. You may not distribute, reproduce, publish, alter, modify or create derivative works from any of our content, website or the App without obtaining prior written permission from us or the relevant third party licensor, or exploit such contents for commercial benefit. Nothing in this Terms of Use constitutes a transfer of any intellectual property rights.

All rights not expressly granted are reserved by Wisr.

  1. Advice warning

This website and the App contains general information about our products and services; however, unless expressly stated otherwise, this information does not constitute an offer or inducement to enter into a legally binding contract, and does not form part of the terms and conditions for our products and services.

While all reasonable efforts have been made to ensure that the information contained in this website and the App is accurate and up to date, it is not intended as, nor is it a substitute for, personal financial advice. The information provided does not take into account any of your particular financial objectives, situation or needs. You should not act on the basis of any information contained on this website or the App without seeking appropriate financial personal advice where you consider it necessary or appropriate to do so.

  1. Reliance on Content

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

  1. Modifications and Usage

We reserve the right to modify, discontinue or disable all or part of this website or the App on a permanent or temporary basis at any time. While we will, where reasonably practicable and possible, endeavour to provide you with prior notice of such modifications, discontinuations or disabling, you agree and accept that it may not always be possible to provide you with such prior notification.

By using this website or the App, you agree to provide true, accurate, current and complete information about yourself, and your accounts maintained at third party websites and you agree to not misrepresent your identity or your account information held with third party account providers.

You must not use this website or the App:

a. to collect any personal information on other individuals or to upload personal information of other individuals, including their names, address, phone number or any other identifying information; or

b. for any unlawful purpose.

You must not violate or attempt to violate the security of this website or the App. You must not hack into this website or the App, our computer systems or the computer systems of other users of the App. "Hacking" means unauthorised access, malicious damage and/or interference and includes, without limitation, spamming, propagating viruses, worms or other types of malicious programs, deliberate attempts to overload a computer system, broadcast attacks or any other method designed to damage or interfere with the operation of a computer system or this website or the App.

  1. Network Integrity

You expressly understand and agree that your use of this website and the App is at your sole risk and that this website and the App is provided on an "as is" and "as available" basis. This means that we do not guarantee:

a. continuous, uninterrupted or secure access to this website or the App;

b. that the servers, files or attachments are free of computer viruses, bugs or other harmful components; or

c. that defects will be corrected.

As a result, you may at times experience disruption or other difficulties in using this website or the App. You should consider the potential for disruption or other difficulties in planning your use of this website or the App and ensure you have precautions in place to protect against viral infection.

To the extent permitted by law, we have no liability to you whatsoever for loss or costs of any kind you suffer as a result of or in connection with any disruption or other difficulties in using this website or the App.

  1. Usernames and passwords

You are responsible for the security of your usernames and passwords or other log-in information  used on this website or the App and you take responsibility to ensure the confidentiality of this information. Please notify us immediately if there is any unauthorised use of your account by any other internet user or any other breach of security.

  1. Linked Third Party Websites

This website and the App may contain links to third party websites where content is not controlled by us Linked Websites. The appearance of a link to a Linked Website does not imply our endorsement, review, or approval or acceptance of any responsibility in relation to the third party operators of Linked Websites or the information and material on Linked Websites, nor the products or services offered.

To the extent permitted by law, we and our 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 the Linked Website or the third party, whether that loss or damage is caused by any fault or negligence on the part of us, our directors, officers, employees and agents.

  1. Privacy

Any personal information collected by us, or otherwise collected by or on behalf of us, will be dealt with in accordance with our Privacy and Credit Reporting Policy and the Privacy Policy of our service providers.

  1. Credit Scores Check service and Rate Estimate

By using our Credit Scores Check service or obtaining a Rate Estimate on this website, you also acknowledge that you are appointing and authorising Wisr Services Wisr Services to act as your Access Seeker for the purposes of the Privacy Act 1988 Cth to obtain your credit scores and if applicable your credit history from the following Credit Reporting Bodies:

  • Equifax Limited Equifax

  • Experian Australia Credit Services Experian

  • illion Australia Limited illion

By using our Credit Scores Check service you also consent and authorise:

a. Wisr Services to periodically collect, use, disclose, transfer or otherwise handle the information within your credit scores and if applicable your credit history;

b. Equifax and Experian to:

i. collect and use the Personal Information Wisr Services collects from you when requesting for your credit score and if applicable your credit history;

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

iii. generate your Equifax and/or Experian credit scores and if applicable credit history and to deliver your Equifax and/or Experian credit scores and if applicable credit history to Wisr Services so that we may provide this to you through this website.

You also acknowledge that:

a. Wisr Services 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. To make a change to correct incorrect credit information, you agree to contact the Credit Reporting Bodies.

  1. Wisr App

By using the App, you also acknowledge and agree that, in addition to these Terms of Use, you have read and understand:

and you agree to be bound by their terms and conditions. If you do not agree with these Terms of Use, the information set out in the PDS, or the Privacy and Credit Reporting Policy, you should not access or use the App.

You acknowledge that only individuals who meet the eligibility requirements set out in Section 3 of the PDS will be able to use the services of the App and set up a Wisr App Profile as defined in the PDS.

  1. Indemnity

Other than any responsibilities implied by law which cannot be excluded, you agree to indemnify and hold us, our affiliates, 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, the App or to any linked third party material, whether in contract, tort including negligence, statute or otherwise.

You agree to fully compensate us and our officers, employees and agents from and against reasonable liability, loss, damage, costs and expense including, without limitation, reasonable legal expenses on a reasonable basis and penalties incurred or suffered by any of them arising out of

a. your material breach of the Terms of Use

b. any misuse or use of the information and content contained in this website and the App in breach of the Terms of Use; and

c. any act of fraud or wilful misconduct by or on behalf of you.

If you breach any of these Terms of Use, we may at our option, and without limiting the remedies available to us in any way terminate our provision of products and services to you or bar you from accessing this website or the App on a temporary or permanent basis.

  1. General

We may provide you with notices in connection with this Terms of Use by posting such notices on this website or the App, or where appropriate, by email, push notifications from the App, or SMS if you have provided contact details for that purpose.

We may assign this Terms of Use, provided that the relevant assignee undertakes to perform all of our obligations herein.

  1. Jurisdiction

All information and services contained within this website and the App 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.

  1. Changes to Terms of Use

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 be posted on this website and will take effect immediately. If you do not accept such amendments to these Terms of Use you should not continue to use this website or the App.

This Terms of Use was last reviewed in April 2021.