Terms of Service

Last updated: April 2026

1. Acceptance of Terms

1.1 All access to and use of the ComparisonHQ website at comparisonhq.com.au ("Website") is subject to these Terms of Service ("Terms"). By accessing and using this Website, you agree to be bound by these Terms.

1.2 If you do not agree to these Terms, you must immediately cease accessing and using this Website.

1.3 This Website is operated by ComparisonHQ Pty Ltd (ABN [Your ABN]) ("ComparisonHQ", "we", "us", "our"), registered in Australia.

1.4 This Website is intended for use by Australian residents only, aged 18 years and over.

1.5 We may amend these Terms at any time. The amended Terms will be effective from the date they are posted on this Website. Your continued use constitutes acceptance of the amended Terms.

2. Our Services

2.1 ComparisonHQ provides a comparison service that allows you to compare products and services from our participating providers across categories including energy, car insurance, health insurance, home insurance, internet, and mobile plans.

2.2 We do not provide financial advice, insurance advice, or personal recommendations. The comparisons and information provided through our Website are general in nature and do not take into account your personal objectives, financial situation, or needs.

2.3 We do not compare all products available in the market. The products displayed on our Website are from our participating providers with whom we have a commercial arrangement. The availability of products may change without notice.

2.4 Not all products compared by ComparisonHQ will be available to all users, due to eligibility requirements, geographic restrictions, or other factors determined by the product provider.

3. Product Information

3.1 Our participating providers supply product information displayed on this Website. While we endeavour to ensure accuracy, there may be inaccuracies over which we have no control.

3.2 Product pricing, features, and availability are subject to change at any time without notice. You should confirm the exact terms, pricing, and conditions of any product directly with the provider before making a purchase decision.

3.3 All prices displayed are in Australian dollars and may vary depending on your circumstances, location, and the payment method chosen.

3.4 Estimated savings and cost comparisons are indicative only and based on the information you provide. Actual costs may differ.

4. Purchasing Products

4.1 When you choose to proceed with a product through our Website, you may be referred to the relevant provider to complete your purchase. The contract for the product will be between you and the provider, subject to their terms and conditions.

4.2 ComparisonHQ is not a party to any contract between you and a product provider and accepts no liability for the products or services provided by them.

5. Your Obligations

5.1 You agree to provide accurate, current, and complete information when using our comparison services.

5.2 You must not use this Website for any unlawful purpose or in a way that could damage, disable, or impair the Website.

5.3 You must not attempt to gain unauthorised access to any part of the Website or its systems.

6. Intellectual Property

6.1 All content on this Website, including text, graphics, logos, software, and the ComparisonHQ brand, is owned by or licensed to ComparisonHQ and is protected by Australian and international intellectual property laws.

6.2 You may not reproduce, modify, distribute, or commercially exploit any content from this Website without our prior written consent.

7. AI-Powered Features

7.1 Our Website uses artificial intelligence to provide personalised comparison results and recommendations. These AI-generated outputs are based on the information you provide and are intended as general guidance only.

7.2 AI recommendations are not a substitute for professional financial, insurance, or legal advice. You should independently verify any information provided by our AI features before making decisions.

8. Limitation of Liability

8.1 To the maximum extent permitted by law, ComparisonHQ excludes all liability for any loss, damage, cost, or expense (whether direct, indirect, consequential, or otherwise) arising from or in connection with your use of this Website or our comparison services.

8.2 Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded, restricted, or modified by agreement.

9. Third-Party Links

9.1 This Website may contain links to third-party websites. These links are provided for convenience only. We are not responsible for the content, accuracy, or practices of third-party websites.

10. Governing Law

10.1 These Terms are governed by the laws of the State of Victoria, Australia. You agree to submit to the exclusive jurisdiction of the courts of Victoria.

11. Contact

For enquiries about these Terms, contact us at legal@comparisonhq.com.au.