Terms and Conditions


Terms and conditions apply to this website and any other websites, including mobile websites, microsites and any mobile applications (collectively referred to as our Services in this document) operated by or on behalf of Shroogle Pty Ltd ABN 71 629 833 432 (Shroogle) and its related entities (‘we’, ‘us’ ‘our’ and ‘Shroogle’).

By utilising our Services, you accept our privacy policy, these website terms and conditions, disclaimers and any other terms and conditions relating to our Services, which are subject to change at any time without notice.

You must not use our services if you disagree.

General information

Unless otherwise stated, any information about our Services is valid for Australian residents only. This means that our Services are intended for use within Australia.

In preparing information on our Services, we have not taken into consideration your financial situation, needs or objectives. Information about our products and services therefore does not constitute a product recommendation or professional advice (this includes any information which you may obtain by using any of our online tools).

We may provide information more tailored to your needs on any secured areas of our Services (i.e., after you have signed in with a username and password or via other forms of authentication). Before you act on that, you should still carefully consider its appropriateness with respect to your circumstances.

Any quote that you may obtain via our Services is for illustrative purposes only, unless otherwise stated.  Any estimated repayments, interest rate and similar amounts are exactly that – estimates only. Terms, conditions, fees and charges may apply on any actual interest rate, repayments and similar amounts, and will depend on the credit assessment conducted on your application.

We recommend you thoroughly review any relevant disclosure document relating to a product or service and obtain professional advice before making any financial decision. All applications including any online application forms that we may provide you, are subject to normal approval criteria.

User name and password

In order to access the secured area of our Services we may issue you with a user name and password.

These log in credentials are important and you are responsible keeping them confidential. If you breach these terms and conditions we may terminate your access to any or all of our Services without notice.

We suggest you use a strong password that is particular to this site only.

Licence to use our Services

All our rights are reserved, we own the intellectual property rights in and related to our Services and material on our Services, unless otherwise stated. Subject to any restrictions set out below and elsewhere in these terms and conditions, you may view, download for caching purposes only, and print pages or images from our Services for your own personal use.

Without our express written consent, you must not use or duplicate our Services, or material on our Services for any other purpose.

We may use terminology, logos and images such as Apple, Google and Windows.  Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.  Apple Watch is a trademark of Apple Inc.  App Store is a service mark of Apple Inc.  Android is a trademark of Google Inc.  Windows is a registered trademark of Microsoft Corporation in the United States and other countries.

No warranties

Our Services are provided ‘as is’. We do not:

  • give any representations or warranties on the quality and accuracy of the information on our Services;
  • guarantee the security of our Services, that access to our Services will be uninterrupted and free from viruses;
  • accept any responsibility arising in any way including by reason of negligence for, errors in, or omissions from, the information on our Services; and
  • accept any liability for any loss or damage (including but not limited to incidental, direct, indirect, special, punitive or consequential), however caused, as a result of any person relying on any information on our Services or being unable to access our Services.
Reasonable efforts are made to maintain our services

All warranties and conditions (whether express or implied) are excluded to the extent permitted by law.

You may not always be able to access our Services as a result of scheduled or unscheduled maintenance, or for other reasons.

Use of the content on our Services and any use of our Services are at the user’s sole risk, e.g. in situations that are time-sensitive such as when you need to provide us with information by a particular date and time.

Acceptable use

Our Services must not be used to store, copy, host, use, transmit, send, publish or distribute any material that consists of (or is linked to) any virus, spyware or any other malware. Without our express written consent, you must not conduct any systematic or automated data collection activities of any type on or in relation to our Services.

Our Services must not be used in any way that causes, or may cause, damage to our Services, accessibility of our Services or impairment of the availability of our Services; or in any way which is illegal, unlawful, harmful or fraudulent, or in connection with any illegal, unlawful, harmful or fraudulent purpose or activity.

You agree to indemnify and keep us indemnified against all costs, claims, actions, damages, demands (including legal costs on a full indemnity basis) or liability arising or incurred relating to your use of or inability to use our Services, your use of any information contained in it, and/or liability arising in any manner from a breach by you of these terms and conditions.

These Terms and Conditions do not exclude, restrict or modify the provisions, available rights or remedies, or our liability under the Australian Consumer Law or any other applicable laws, where doing so would contravene the applicable laws or make any part of these Terms and Conditions void.

Law and jurisdiction

Use of our Services and these terms and conditions are interpreted and governed in accordance with the laws of Victoria, Australia.  The parties submit to the exclusive jurisdiction of the courts of Victoria, Australia for determining any dispute concerning these terms and conditions.

Third party websites

Third party websites will each have their own privacy policy.  Please ensure that you have read and fully understand their privacy policy prior to using their site.

Our Services may contain links to, or display content from, third party websites (Other Content) which we provide for your convenience. Accessing these links and the use of Other Content is solely at your own risk; we accept no responsibility and will not be liable for any loss or damage whatsoever suffered as a result of you doing so. We do not operate or control these websites and we do not endorse or approve Other Content; we make no warranties or representations regarding their quality, accuracy or completeness.

If you have rights in relation to the supply of services that cannot lawfully be excluded, to the extent permitted by law, our liability in respect of any such right is limited to the lesser of (a) the supply of our services again or (b) the payment of the cost of having them supplied again.  If you have rights in relation to any information used by you as a consequence of your use of the Website that cannot lawfully be excluded, to the extent permitted by law, our liability in respect of any such right is limited to the lesser of (a) the price paid by you for that information or (b) A$1,000.

Privacy and cookies

We are committed to protecting your privacy.

Please see our privacy policy located at www.shroogle.com.au/privacy-policy. This explains how your personal information will be treated, including when you access and interact with our Services.

Please also see below under ‘Data collection by conversion tracking’ that relates to cookies. You will also find information about cookies in our privacy policy, which may change from time to time as may these terms and conditions.

Data collection by conversion tracking

A conversion tracking cookie is set when a user clicks on an advertisement delivered by Google where we have opted in to conversion tracking. This site may use a cookie to measure advertising performance on search and advertising service providers such as Google and its AdSense partner’s websites.

Generally, these cookies expire within 30 days and are not personally identifiable.

We use the information collected to provide aggregate marketing statistics.  We are able to see the total number of users who have clicked on our ad and proceeded to a page tagged with a conversion tracking tag, but do not have access to personally identifying information.

If you want to disable conversion tracking cookies, you can set your browser to disable cookies.

Further information

We cannot guarantee that our Services would contain all the information you need to answer all your questions, even though we have taken reasonable care in compiling the content of our Services.

All product-related information is subject to change by product providers at any time without notice.

For information and assistance, please contact us on 1300 840 977.