TERMS OF USE

Last Updated: 29 August 2023

IMPORTANT – PLEASE READ THESE TERMS BEFORE USING THE SITE

By using or accessing the NerdWallet Australia website, NerdWallet.com/au/ (“the Site”), you
accept the Terms of Use (the “Terms”) set out on this page and in the Privacy Policy. If you
do not accept or agree to these Terms you must not visit or use the Site.

1. The Site

The Site is owned and operated by NerdWallet, Inc., a company registered in the US (“We”,
“Us”, “Our”).

2. Changes

We may make changes to these Terms from time to time without notice. Changes will be
effective immediately upon posting of the modified Terms on the Site. Your continued use of
the Site following any changes to the Terms will constitute your acceptance of the revised
Terms.

3. Our Services

We provide general information on the nature of various types of financial products. In
addition, we provide access to comparison information in relation to various financial,
insurance and other products and providers. We do not charge any fees to you for providing
this service. We do not operate a referral service where we obtain fees from third parties
through the Site.

We do not offer any products or services for sale through the Site and nothing on the Site
shall be deemed an offer by us or any third party to provide you with any products or
services.

We reserve the right to improve, amend, or suspend the service provided on the Site at any
time without notice.

4. Permitted use of material on Site

You may use and download material displayed on the Site for your own personal non-
commercial use provided that you do not remove any copyright and trade mark notices
contained on the material and are not otherwise in breach of these Terms (Permitted Use).

You may provide links to our Site provided that you do so in a way that complies with all
applicable laws and regulations. You must not operate a link to our Site which in our opinion
damages our reputation or in any way suggests any form of approval, endorsement or association with us. We reserve the right to withdraw permission to link to this Site and may
require you to immediately remove any such link.

5. Restrictions on use of material on Site

You must not use the Site or any material contained on or in it for any purpose except for the
Permitted Use described in section 3. You must not reproduce, copy, adapt, modify,
download, publish, transmit, distribute, or otherwise make the Site or any material contained
on or in it available to any other person in any media whatsoever.

6. Accuracy of Information on the Site

The information we provide on the Site is based on information collected from a variety of
sources, including third party providers of the products and services and from our own
research. Although we take care to ensure the information on the Site is accurate and up to
date, and to correct any errors as soon as practicable after we become aware of them, we
do not warrant or guarantee the accuracy of any information on the Site. It is your
responsibility to verify such information to your own satisfaction and we accept no liability
whatsoever for any errors, and disclaim all liability to the fullest extent possible arising from
persons acting on the information and statements contained on the Site.

7. Third Party Information

We recommend that you conduct your own checks with the relevant third party product
provider before acting on the information contained on the Site. It is possible that information
provided by third parties or in links to third party websites may be incomplete, inaccurate or
out of date.

The description of products and services on the Site may not represent a complete
description of all the features and terms and conditions of such products and services. We
have no control over the third parties who provide the products or services referred to on the
Site and do not accept any responsibility or liability for any losses or damages that you may
suffer in connection with any product or service that you purchase from such third parties.

You should carry out your own research into any specific products before purchasing these
and where appropriate obtain suitable independent advice.

Before you obtain any product or service from a third party you must ensure that you are
satisfied that the product or service is suitable for all of your requirements and that the terms
and conditions on which the third party supplies such products or services are acceptable to
you.

8. Links

Our Site contains links to third party websites. Such links do not constitute an endorsement
or recommendation of any material on those linked websites or any third party products and
services offered by, from or through those sites. We do not control the content displayed by
third parties accessible via those links. We do not provide any guarantees or accept any
liability in respect of third party sites, including for any products, services or information
provided by third party providers. The use of third party websites and the purchase of a
product or service from third party websites are done entirely at your own risk. Your contract
will be with the third party product or service provider and not us. You should ensure that you
fully understand the product or service that you propose to purchase and the terms of the
third party supplier’s contract with you.

9. General Information Only

The information on the Site is for general information only and does not address the
personal requirements of any person. NerdWallet does not hold an Australian Financial
Services licence and is not authorised to provide financial advice. No information on the Site
is intended to constitute any financial advice, whether that be in the form of a
recommendation, representation, endorsement, arrangement or otherwise. The information
on the Site is not a substitute for professional advice and should not be relied upon to
purchase any particular product or service or to make any specific investment decision. You
should consider seeking advice as to how the information on the Site relates to your
personal circumstances.

10. Privacy Policy

Collection and use of any personal information that you provide to us through the Site is
governed by our Privacy Policy. For further details on how we collect, use, disclose and
store your personal information, please refer to the Privacy Policy.

When you provide information to any third party who you may have linked to from our Site,
whether through their website, over the phone or otherwise, use of your personal information
will be subject to that third party’s terms and policies.

11. Intellectual Property

See sections 4 and 5 in relation to Permitted Use of the Site and material contained on or in
the Site.

We reserve all intellectual property rights in material displayed on, available on, or
embedded in the Site, including content, data and other information, logos, brand names,
trade marks, copyright works, service names, and rights in underlying source code, software,
and layout. Any unauthorised use of these materials may infringe our (or our licensors’)
intellectual property rights or other legal protections, and we reserve our rights to take such
action as is necessary to protect and enforce these rights.

12. Limitations on Liability

We provide this Site on an ‘as is’ basis and make no representations or warranties of any
kind with respect to the Site or its contents and disclaim all such representations and
warranties to the extent permitted by law. In addition, we make no representations or
warranties about the accuracy, completeness, or suitability for any purpose of the
information and related graphics published on the Site. The information contained on the
Site may contain technical inaccuracies or typographical errors. All liability of NerdWallet Inc.
howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest
extent permitted by law.

Neither NerdWallet Inc. nor any of its directors, employees or other representatives will be
liable for loss or damage arising out of or in connection with the use of this Site. This is a
comprehensive limitation of liability that applies to all damages of any kind, including (without
limitation) compensatory, direct, indirect or consequential damages, loss of data, income or
profit, loss of or damage to property and claims of third parties.

The Internet is not a secure medium and we provide no guarantees as to the reliability or
security of the Site, or that it will be continuously available or error free or free from viruses,
spyware, malicious software or anything else which may have a harmful effect on your
computer. You are responsible for taking all reasonable steps to protect your computer
including using up to date anti-virus software. We disclaim all liability to You to the full extent
permitted by law in circumstances where You suffer loss or damage as a result of our Site.

Notwithstanding the foregoing, none of the exclusions and limitations in these Terms are
intended to limit any rights you may have as a consumer under local law or other statutory
rights which may not be excluded nor in any way to exclude or limit our liability to you for
death or personal injury resulting from our negligence or that of our employees or agents.

13. Indemnity

To the extent permitted by law, you agree to indemnify and keep indemnified us, our
directors, officers, agents, sponsors, employees and licensors from and against any claim,
liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of or
in connection with your use of the Site, any breach of these Terms by you.

14. Contacting Us

The address for all correspondence relating to the Site is 55 Hawthorne St., 11th Floor, San
Francisco, CA 94105, U.S.A., or please email us at [email protected].

Please contact us immediately if you identify any error on the site or any material that you
consider to be offensive, indecent, dishonest, inaccurate or illegal.

15. General

We only provide this service to you within, and to use in, Australia and reserve the right to
restrict or prohibit access to any person not based within the jurisdiction of Australia and
accept no liability if you access the Site from outside this jurisdiction and rely upon its
contents. We make no representation that any product or service referred to in the Site is
available or otherwise suitable for use outside Australia.

If any provision of these Terms is held by any competent authority to be invalid or
unenforceable in whole or in part, the validity of the other provisions of these Terms and the
remainder of the provision in question shall not be affected.

These Terms constitute the entire agreement between you and us in relation to access to
the Site, supersede any previous agreement or understanding and may not be varied except
in writing by us. All other Terms, express or implied by statute or otherwise, are excluded to
the fullest extent permitted by law.

These Terms are governed by and shall be construed in accordance with the laws of New
South Wales, Australia. Any dispute will be under the exclusive jurisdiction of the courts of
New South Wales, Australia.