Terms and Conditions

Effective 17 November 2025

These Terms and Conditions govern your use of The Rate which is owned and operated by SPK Tech Pty Ltd (ACN 692 520 264). By accessing or using our platform, you agree to be bound by these terms. Please read them carefully.

About Our Service

The Rate is a loan comparison platform that helps you find and compare loan products from various lenders.

What We Do

• Provide comparison information about loan products
• Connect you with suitable lenders based on your requirements
• Facilitate the loan comparison process

What We Don’t Do

We are not a credit provider and do not make lending decisions. All loan approvals and terms are determined by the respective lenders.

User Responsibilities

When using The Rate, you agree to:

• Provide accurate and complete information in all forms and comparisons
• Use the platform only for lawful purposes
• Not misuse, damage, or attempt to gain unauthorized access to our systems
• Comply with all applicable laws and regulations
• Update your information if it changes during the loan process

Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee that all information on our platform is current, complete, or error-free.

Your Responsibility

You should always verify loan terms, rates, and conditions directly with the lender before making any financial commitments. Interest rates and loan terms can change frequently and may vary based on individual circumstances and lender criteria.

Limitations of Liability

To the maximum extent permitted by law, The Rate will not be liable for:

• Any decisions made by lenders regarding loan inquiries
• Changes to interest rates or loan terms after comparison
• Any loss or damage arising from your use of our platform
• Technical issues, system downtime, or data loss

This limitation does not exclude liability that cannot be excluded under Australian Consumer Law.

Intellectual Property

All content, trademarks, logos, and intellectual property on The Rate belong to SPK Tech Pty Ltd, Rate Match AI Pty Ltd, or our licensors. You may not reproduce, distribute, or modify any content without our written permission.

Privacy and Data

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

By using The Rate, you consent to the collection and use of your information as described in our Privacy Policy.

Termination

We may terminate or suspend your access to The Rate at any time, without notice, if you breach these terms or engage in prohibited activities. You may stop using our services at any time.

Changes to Terms

We may update these Terms and Conditions from time to time. We will notify you of any material changes by posting the updated terms on our website. Your continued use of The Rate after changes are posted constitutes acceptance of the new terms.

If you have questions about these Terms and Conditions, please contact us or email us at legal@therate.com.au.