Privacy Policy

Contact: hello@ratepilot.com.au

Who we are: RatePilot ("we", "us", "our") operates the website ratepilot.com.au (the "Site").

1. Overview

RatePilot provides tools and information to help Australians compare rates, fees and features across financial products (such as savings accounts, term deposits, home loans and credit cards). This Privacy Policy explains how we collect, hold, use and disclose personal information.

2. What personal information we collect

Depending on how you use the Site, we may collect:

• Account and profile information: email address, login/session identifiers, and preferences you save (e.g., comparison settings).
• Contact and support information: your name (optional), email address, and any information you include in enquiries or feedback.
• Usage and technical information: IP address, browser/device details, pages viewed, interactions (clicks), referral/UTM parameters, and approximate location inferred from IP.
• Newsletter subscriptions: (when enabled) email address and subscription preferences.

3. How we collect personal information

We collect personal information when you:

• create or use an account,
• submit a contact form, feedback, or a data issue report,
• subscribe to emails (when enabled),
• browse the Site (via cookies and similar technologies).

4. Why we collect, hold, use and disclose personal information

We collect and use personal information to:

• provide and maintain the Site and its features (including accounts),
• respond to enquiries and provide support,
• improve performance, usability and content,
• send updates you request (e.g., newsletters / rate alerts, when enabled),
• protect the Site (fraud prevention, abuse detection, troubleshooting),
• comply with legal obligations.

We may disclose personal information to:

• service providers who help us operate the Site (e.g., website hosting, database, analytics, email delivery, security tooling),
• professional advisers (legal/accounting),
• authorities where required or authorised by law.

5. Cookies, analytics and similar technologies

We use cookies and similar technologies to remember preferences, understand usage, and improve reliability and performance. Some technologies may be provided by third parties (e.g., analytics or security providers).

You can control cookies via your browser settings. Disabling cookies may affect how the Site functions.

6. Email updates and unsubscribe

If you subscribe to emails, you can unsubscribe at any time using the link in the email. Commercial messages must include a clear unsubscribe option and unsubscribe requests must be honoured within 5 working days.

7. Overseas disclosures

Some of our service providers may store or process information outside Australia. Where it is practicable to specify, likely locations may include: United States and other regions where major cloud/analytics/email providers operate.

8. How we store and secure personal information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure (such as access controls and secure hosting). No method is completely secure, but we work to protect the information we hold.

9. Accessing and correcting your personal information

You can request access to personal information we hold about you and request corrections. Email us at hello@ratepilot.com.au.

10. Privacy complaints

If you have a privacy complaint, email us with details. We'll respond within a reasonable time and work with you to resolve it. You may also be able to complain to the Office of the Australian Information Commissioner (OAIC).

11. Changes to this policy

We may update this Privacy Policy from time to time. The latest version will be published on this page with the updated "Last updated" date.