Terms and Conditions

Website: www.compario.com.auLast updated: 29 October 2026

Compario is owned and operated by Compario Pty Ltd, ACN 703623803, trading as Compario ("Compario", "we", "us" or "our").

These Terms & Conditions ("Terms") govern your access to and use of www.compario.com.au (the "Website"), including its comparison tools, general information, enquiry forms and referral services.

By accessing or using the Website, you agree to these Terms to the extent applicable to your use. When submitting an enquiry, you may also be asked to expressly acknowledge these Terms and our Privacy Policy.

If you do not agree with these Terms, you should discontinue using the Website.

1. Eligibility

The Website is intended for Australian residents aged 18 years or older.

By submitting an enquiry, you confirm that:

You are at least 18 years of age.
You are ordinarily resident in Australia.
The information you provide is accurate and complete to the best of your knowledge.
You are submitting the enquiry on your own behalf or are otherwise authorised to provide the relevant information.

We reserve the right to decline an enquiry where eligibility requirements are not satisfied.

2. Nature of Our Services

Compario is an Australian online comparison, enquiry and referral platform designed to help consumers explore home loan refinancing and personal insurance options and connect with experienced professionals.

Our services focus on two principal categories:

Home Loans and Mortgage Refinancing

Compario helps Australian consumers explore home loan refinancing opportunities by facilitating enquiries and connecting them with appropriately licensed or authorised mortgage brokers and credit professionals.

Life Insurance and Personal Risk Insurance

Compario helps Australian consumers explore personal insurance options by connecting them with appropriately licensed or authorised financial advisers who specialise in personal risk insurance.

These advisers may assist consumers with life insurance, Total and Permanent Disability (TPD) insurance, trauma insurance and income protection insurance.

Compario may provide general educational information, indicative comparisons and online questionnaires to assist consumers in exploring their options.

Depending on the information provided and the services requested, we may refer enquiries to participating professionals.

Submitting an enquiry does not constitute a home loan or insurance application and does not establish a financial advice or credit assistance relationship with Compario.

Unless expressly stated otherwise, Compario does not itself issue financial products, provide credit, underwrite insurance or provide personalised financial advice.

3. What Compario Does Not Do

Unless expressly stated otherwise and supported by the necessary licences or authorisations, Compario does not itself:

Provide personalised financial product advice.
Recommend that you acquire, retain or dispose of a particular financial product.
Determine that a particular home loan or insurance product is suitable for your circumstances.
Approve or decline credit applications.
Underwrite or issue insurance policies.
Guarantee the availability of any particular financial product.
Submit loan or insurance applications on your behalf.
Provide tax, legal or accounting advice.

Information displayed on the Website is intended to assist with general research and enquiries.

Any regulated credit assistance, financial product advice, insurance recommendations or application services will be provided by an appropriately licensed or authorised professional.

4. What Happens After You Submit an Enquiry

When you submit an enquiry, Compario may review and process the information provided to identify an appropriate participating service provider.

This process may involve:

Confirming your contact information.
Reviewing the general nature of your enquiry.
Identifying the financial product or service category relevant to your request.
Matching your enquiry with a participating professional or provider.
Arranging for a provider to contact you.
Facilitating an appointment or introduction.

Depending on your enquiry, you may be contacted by Compario, an authorised representative of a participating provider, or a customer service representative assisting with the referral process.

The individual initially contacting you may not be the professional ultimately responsible for providing credit assistance or personal insurance advice.

All further assessments, recommendations and applications are subject to the relevant provider's procedures and regulatory obligations.

Submitting an enquiry does not guarantee that a participating provider will accept or respond to your enquiry.

5. Referral and Matching Criteria

Compario may use information submitted through the Website to determine which participating professionals or providers may be relevant to your enquiry.

Referral criteria may include:

Age and location.
Product or service requested.
Employment and income information.
Current home loan or property details.
General financial circumstances.
Insurance coverage requirements.
Refinancing or personal insurance objectives.
Participating providers' service capabilities and eligibility requirements.

These criteria are used to facilitate enquiries and referrals and do not represent a comprehensive assessment of your financial circumstances.

Being matched with a provider does not mean that Compario has determined that a particular product or professional is suitable for you.

6. Home Loans and Mortgage Refinancing

Where your enquiry relates to a home loan or refinancing, Compario may connect you with an appropriately licensed mortgage broker, authorised credit representative, Australian Credit Licence holder or other authorised provider.

The receiving provider is responsible for any credit assistance it provides, including:

Assessing your financial circumstances and objectives.
Identifying relevant lending options.
Conducting product comparisons.
Providing credit recommendations.
Preparing and submitting loan applications.
Communicating with lenders.
Providing required regulatory disclosures.

Any lenders or loan products considered will depend on the receiving provider's lender panel, accreditations, eligibility requirements and available products.

A provider may not have access to every lender or home loan available in Australia.

Indicative rates, repayments or savings displayed on Compario are not guaranteed offers and may differ from the rates or terms ultimately available to you.

All loan applications are subject to lender assessment, credit policies and approval.

7. Life Insurance and Personal Risk Insurance

Where your enquiry relates to life insurance or other personal risk insurance products, Compario may refer your information to a participating financial adviser who is appropriately licensed or authorised to provide advice on personal insurance products.

These advisers may assist with:

Life insurance.
Total and Permanent Disability (TPD) insurance.
Trauma or critical illness insurance.
Income protection insurance.

The receiving financial adviser is responsible for assessing your needs and circumstances, identifying relevant insurance options, providing any personal financial advice and assisting with insurance applications where appropriate.

Insurance premiums, benefits, exclusions, waiting periods, underwriting requirements and eligibility criteria vary between providers and products.

Any indicative premium or insurance comparison provided through the Website is subject to the assumptions and information used in producing it.

Compario does not guarantee:

Eligibility for insurance.
Acceptance by an insurer.
A particular premium or level of cover.
The availability of specific policy benefits.
Acceptance of an insurance claim.
That every insurer or policy in the Australian market has been compared.

Insurance applications may require medical, occupational, financial or lifestyle information.

Where an application proceeds, you are responsible for providing accurate information to the insurer and complying with the duty to take reasonable care not to make a misrepresentation, or any other disclosure obligations that lawfully apply to your insurance contract.

Your insurance adviser or insurer is responsible for explaining relevant product terms, application requirements and disclosure obligations.

The financial adviser and their Australian Financial Services Licensee, as applicable, are responsible for providing relevant regulatory disclosures and complying with their financial services obligations.

8. Comparison Tools and Market Coverage

Compario may display financial product information, comparison tables, indicative quotes, calculators or other tools intended to assist consumers.

Such information may be sourced from participating providers, publicly available information or third-party data services.

Compario does not necessarily compare all financial products, lenders, insurers or service providers operating in Australia.

Products or providers displayed may be limited by:

Commercial participation arrangements.
Available product information.
Technology and data availability.
Provider eligibility criteria.
Referral arrangements.
The scope of the comparison tool.

The order or presentation of products and providers may depend on the methodology disclosed within the relevant comparison tool.

Where commercial arrangements influence product presentation or rankings, this should be disclosed at the relevant point of comparison.

Unless expressly identified as such, a comparison result should not be interpreted as a personalised recommendation or a complete assessment of the market.

9. Accuracy of Information and Comparison Results

Compario takes reasonable steps to maintain accurate and relevant Website information.

However, financial products, interest rates, insurance premiums, eligibility criteria, provider panels and promotional offers may change.

Calculations and estimates may rely on assumptions or information supplied by you.

Any calculated repayment, premium, projected saving or other financial estimate is indicative only unless expressly stated otherwise.

Before making a financial decision, you should confirm current product terms and obtain appropriate assistance from a qualified professional where required.

We do not guarantee that the Website will identify the cheapest or most suitable product for every consumer.

10. No Guarantee of Financial Outcomes

Compario does not guarantee that submitting an enquiry or using its Website will result in:

Loan approval or refinancing approval.
Lower interest rates or repayments.
Reduced overall borrowing costs.
Acceptance for insurance coverage.
Lower insurance premiums.
Improved insurance benefits.
Access to a specific lender, insurer or financial adviser.
A participating provider accepting your enquiry.
Any particular financial saving or benefit.

Outcomes depend on your individual circumstances, available products, provider requirements and other relevant factors.

11. General Information and No Personal Financial Advice

Information published on the Website is general in nature and does not take into account your complete financial objectives, financial situation or needs.

Unless expressly stated otherwise, Compario does not provide personalised credit assistance, financial product advice, legal advice or taxation advice through the Website.

Any personalised mortgage recommendations or insurance advice provided following your enquiry will be delivered by an appropriately licensed or authorised professional.

Consumers should consider their individual circumstances and seek appropriate professional guidance before making significant financial decisions.

Where relevant, consumers should review the applicable product disclosure statements, target market determinations and other information provided by the product issuer or adviser.

12. Contact Following an Enquiry

By submitting an enquiry and providing the relevant contact information and permissions, you request contact concerning the product or service you have enquired about.

Compario and the participating service provider to whom your enquiry is referred may contact you by:

Telephone.
SMS.
Email.
Other communication methods you have requested or agreed to.

Contact may involve confirming enquiry information, explaining available services, arranging appointments or discussing the next steps relevant to your request.

Information will be disclosed to participating providers in accordance with our Privacy Policy and the collection notices and consent arrangements presented when you submit your enquiry.

Consent to contact you about a specific enquiry is separate from consent to receive unrelated future marketing communications.

13. Referral Fees and Commercial Arrangements

Compario may maintain commercial referral arrangements with participating mortgage brokers, credit professionals and appropriately licensed or authorised financial advisers specialising in personal risk insurance.

Depending on the relevant agreement, Compario may receive referral fees or other remuneration from participating professionals where permitted under applicable Australian law.

Commercial arrangements may differ between home loan refinancing and life insurance referrals.

The existence of a commercial relationship does not guarantee that a particular provider or product will be suitable for your circumstances.

Where required by law, relevant financial benefits, referral arrangements and conflicts of interest will be disclosed.

Consumers are not charged by Compario merely for submitting an enquiry through the Website.

Any professional advice fees, insurance premiums, loan establishment fees or other product-related costs will be explained by the relevant participating professional or provider, where applicable.

14. Participating Third-Party Providers

Compario may introduce you to independent third-party mortgage brokers, credit professionals, insurance advisers and other appropriately authorised professionals relevant to your enquiry.

Unless otherwise disclosed, these providers operate under their own business arrangements, licences, policies and contractual terms.

Participating providers are responsible for the services they perform, including their own:

Licensing and authorisations.
Regulatory disclosures.
Financial product recommendations.
Credit assistance.
Personal insurance advice.
Product application processes.
Client service agreements.
Privacy practices and legal obligations.

Compario does not guarantee the conduct or outcomes of independently operated third-party providers.

However, nothing in these Terms excludes or limits Compario's responsibility for its own conduct, representations, privacy practices, referral activities or obligations under applicable law.

We encourage consumers to review the credentials, licensing information, service agreements and disclosures provided by the professional they engage.

15. Marketing Communications

Compario may send communications relating to enquiries, services you have requested and, where you have consented or where otherwise permitted by law, relevant marketing information.

Marketing communications may concern Compario's services or financial products and services offered by participating providers.

We will comply with applicable Australian marketing laws, including the Spam Act 2003 (Cth) and Do Not Call Register Act 2006 (Cth).

Where required, marketing communications will include an appropriate unsubscribe or opt-out mechanism.

You may withdraw your marketing consent at any time by using the unsubscribe instructions provided or contacting:

[Marketing Opt-Out Email]

Withdrawing marketing consent will not necessarily prevent communications reasonably required to respond to an existing enquiry or comply with legal obligations.

16. Privacy and Personal Information

Compario respects your privacy and handles personal information in accordance with its Privacy Policy and applicable privacy legislation.

When using our services, we may collect, hold, use and disclose personal information for purposes including processing enquiries, arranging referrals, communicating with consumers and operating the Website.

Our Privacy Policy explains:

The information we collect.
Why we collect personal information.
How we use and store information.
When information may be shared with participating providers.
How you can access or correct your information.
How to raise a privacy complaint.

Please review our Privacy Policy before submitting personal information through the Website.

17. Cookies, Analytics and Online Advertising

Compario may use cookies, tracking pixels, analytics software and similar technologies to support Website functionality and improve its services.

These technologies may be used for:

Website analytics.
Understanding visitor behaviour.
Measuring advertising campaign performance.
Conversion tracking.
Remarketing and advertising attribution.
Improving Website content and functionality.

Depending on the technologies implemented, information may be collected or processed by third-party providers, including advertising and analytics platforms.

Further information is available in our Privacy Policy and any applicable cookie notices.

18. Intellectual Property

Unless otherwise stated, Website content including text, graphics, designs, branding, logos, software, comparison tools and other materials is owned by or licensed to Compario.

You may access and use the Website for lawful personal, non-commercial purposes.

You must not reproduce, distribute, modify, commercially exploit or otherwise use our intellectual property without prior written permission, except as permitted by law.

Trademarks, logos and intellectual property belonging to third parties remain the property of their respective owners.

The appearance of a lender, insurer or other third-party logo does not necessarily indicate an endorsement or commercial relationship.

19. Website Availability and Security

Compario takes reasonable steps to maintain the functionality, security and availability of the Website.

However, we do not guarantee uninterrupted access or that the Website will always be free from technical errors, interruptions or security vulnerabilities.

We may temporarily suspend or restrict access for maintenance, technical, operational or security reasons.

You are responsible for using appropriate security measures when accessing online services.

Nothing in this section limits any legal obligations or consumer rights that cannot lawfully be excluded.

20. Liability and Consumer Rights

The Website provides general information, comparison functionality and referral services.

To the extent permitted by law, Compario is not responsible for losses caused solely by matters outside its reasonable control, including:

Changes to financial product terms by independent providers.
Unavailability of particular lenders, insurers or financial products.
Decisions made independently by third-party providers.
Consumer information supplied inaccurately or incompletely.
Unavoidable technical disruptions.

Compario remains responsible for its own conduct and for any obligations imposed by applicable law.

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, statutory right, remedy or liability that cannot lawfully be excluded or limited, including rights under the Australian Consumer Law and applicable financial services legislation.

Any limitation of liability in these Terms applies only to the extent permitted by law.

21. Acceptable Website Use

You agree to use the Website lawfully and responsibly.

You must not:

Submit deliberately false, misleading or fraudulent information.
Impersonate another individual.
Submit personal information about another person without appropriate authority.
Interfere with Website functionality or security.
Attempt to gain unauthorised access to systems or data.
Use automated systems to extract Website content without authorisation.
Use the Website in a way that breaches applicable law or infringes third-party rights.

We may restrict access to the Website where reasonably necessary to address security risks, unlawful activity or misuse.

22. Changes to These Terms

Compario may update these Terms from time to time to reflect changes in its services, business operations, technology or applicable legal requirements.

Updated Terms will be published on the Website together with the date of the latest revision.

Changes will apply prospectively unless otherwise stated and permitted by law.

We encourage users to review these Terms periodically.

23. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be severed or limited to the minimum extent necessary.

The remaining provisions will continue to operate to the extent permitted by law.

24. Governing Law

These Terms are governed by the laws of New South Wales, Australia.

The parties submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts entitled to hear appeals from those courts.

Nothing in this section limits any applicable statutory rights or mandatory consumer protections.

25. Contact Information

For questions concerning these Terms & Conditions, please contact:

Compario

Operated by: [Registered Legal Entity Name]

ACN: 703623803

Website: www.compario.com.au

Email: [General Enquiries Email]

Business address: 91 Phillip Street, Parramatta, NSW, 2150

Marketing opt-outs: [Marketing Opt-Out Email]

Privacy enquiries: [Privacy Contact Email]

Compario — Terms & Conditions