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Terms and Conditions

Last updated: 14 July 2026

Please read these Terms and Conditions ("Terms") carefully before using the website tecnicossrl.com ("Website"), operated by TECNICOS S.R.L under the brand Tecnicos Australia. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must not use the Website.

1. Introduction

These Terms constitute a legally binding agreement between you ("User", "you", "your") and TECNICOS S.R.L ("Company", "we", "us", "our"), a company registered in Italy with its registered office at VIA STAZIONE SC, 74011 CASTELLANETA, Italy. The Website provides independent editorial comparisons of Australian financial products — including credit cards, transaction accounts, personal loans and savings accounts — together with guides, tools and related content in English for Australian residents.

These Terms apply to all visitors and users of the Website, whether or not you create an account, subscribe to a newsletter or click an outbound link to a third-party provider. Supplemental policies, including our Privacy Policy, Cookie Policy and Disclaimer, are incorporated by reference and form part of this agreement.

2. Definitions

In these Terms, unless the context requires otherwise:

  • "Affiliate Link" means a hyperlink from the Website to a third-party provider that may generate commission for us if you complete a qualifying action.
  • "Content" means all text, graphics, tables, ratings, logos, images, software, data compilations and other materials published on or through the Website.
  • "Editorial Content" means articles, guides, reviews, scores, rankings and explanatory material produced by or on behalf of Tecnicos Australia.
  • "Financial Product" means any banking, lending, savings, insurance or related product offered by a third-party institution listed or discussed on the Website.
  • "Provider" means a bank, credit union, lender or other financial institution whose products are compared or linked from the Website.
  • "Services" means the Website and all features, tools, newsletters and interactive elements made available by us.
  • "User Content" means information, messages or other material you submit to us via forms, email or other channels.

3. Acceptance of terms

By accessing the Website, you confirm that you have read, understood and agree to these Terms and all incorporated policies. If you use the Website on behalf of an organisation, you represent that you have authority to bind that organisation. Your continued use of the Website following any update to these Terms constitutes acceptance of the revised Terms. We recommend reviewing this page periodically.

4. Services provided

Tecnicos Australia provides general information and editorial comparisons to help Australian consumers research financial products. Our Services include:

  • Side-by-side comparison tables of rates, fees and product features.
  • Editorial reviews, guides and blog articles about personal finance topics relevant to Australia.
  • Outbound links to Provider websites where you may apply for products directly.
  • Newsletter subscriptions and interactive features such as quizzes.

We do not issue financial products, process loan applications, hold deposits or provide account management services. Any application or contractual relationship you enter into with a Provider is solely between you and that Provider. We are not a party to such arrangements.

5. Eligibility

The Website is intended for individuals who are at least 18 years of age and who are Australian residents or persons genuinely researching Australian financial products. By using the Website, you represent and warrant that you meet these eligibility requirements. We may restrict or terminate access where we reasonably believe you do not meet eligibility criteria or are using the Website in breach of these Terms.

6. Intellectual property

All Content on the Website — including editorial text, comparison methodology, design elements, logos, trademarks and data compilations — is owned by or licensed to TECNICOS S.R.L and is protected by copyright, trademark and other intellectual property laws. The Tecnicos Australia name and logo are used under licence from the Company.

You may view and print Content for personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works from, publicly display, scrape, data-mine or commercially exploit any Content without our prior written consent. Product names, logos and trademarks of Providers belong to their respective owners and are used on the Website for identification and comparative purposes only.

7. User conduct

When using the Website, you agree not to:

  • Use the Website for any unlawful purpose or in violation of any applicable local, national or international law.
  • Attempt to gain unauthorised access to our systems, servers or networks, or interfere with the proper functioning of the Website.
  • Transmit viruses, malware or other harmful code.
  • Use automated tools (bots, scrapers, crawlers) to extract data or Content without our express written permission.
  • Misrepresent your identity or affiliation when contacting us or submitting User Content.
  • Submit false, misleading, defamatory or offensive User Content.
  • Circumvent security measures, rate limits or access controls.
  • Use the Website in any manner that could damage our reputation or the interests of Providers or other users.

We reserve the right to remove User Content and suspend or terminate access for conduct that violates these Terms or is otherwise harmful to the Website or third parties.

8. Affiliate disclosure

Tecnicos Australia is free for readers. We may earn commission or other compensation when you click an Affiliate Link and complete a qualifying action with a Provider — for example, opening an account or submitting a loan application. Commission arrangements do not increase the cost to you and do not determine our editorial rankings, scores or recommendations. Paid placements, where they exist, are clearly labelled.

We maintain editorial independence. Our comparison methodology is described on our How It Works page. For further information about the limitations of our Content, see our Disclaimer.

9. Limitation of liability

To the fullest extent permitted by applicable law, TECNICOS S.R.L, its directors, employees, contractors and affiliates shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages arising from or related to your use of — or inability to use — the Website or Services, including but not limited to:

  • Reliance on Editorial Content, comparison data, rates or product information.
  • Errors, omissions, delays or inaccuracies in Content.
  • Actions taken or not taken based on information on the Website.
  • Conduct, products or services of any Provider accessed via Affiliate Links.
  • Loss of profits, data, goodwill or other intangible losses.
  • Unauthorised access to or alteration of your transmissions or data.

Where liability cannot be excluded under the Australian Consumer Law or other mandatory law, our liability is limited to the maximum extent permitted — and, where permissible, to resupply of the Services or payment of the cost of having the Services resupplied. Nothing in these Terms excludes liability for fraud, gross negligence or death or personal injury caused by our negligence where such exclusion is prohibited by law.

The Website and Content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement.

10. Indemnification

You agree to indemnify, defend and hold harmless TECNICOS S.R.L and its officers, directors, employees, agents and affiliates from and against any claims, liabilities, damages, losses, costs and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Website; (b) your breach of these Terms; (c) your violation of any law or third-party rights; or (d) any User Content you submit. We reserve the right to assume exclusive defence and control of any matter subject to indemnification by you, at your expense.

11. Governing law and jurisdiction

These Terms are governed by the laws of Italy, without regard to conflict-of-law principles. You agree that the courts of Italy shall have exclusive jurisdiction over any dispute arising from or relating to these Terms or the Website, subject to any mandatory consumer protection rights you may have under the laws of Australia or your country of residence.

If you are an Australian consumer, nothing in this section limits your rights under the Australian Consumer Law. You may also have the right to bring proceedings in the courts of your place of residence where required by mandatory law.

12. Changes to these terms

We may revise these Terms at any time by posting an updated version on the Website with a revised "Last updated" date. Material changes will be highlighted on the Website where practicable. Your continued use after the effective date of changes constitutes acceptance. If you do not agree to updated Terms, you must stop using the Website.

13. Termination

We may suspend or terminate your access to the Website at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful. Upon termination, provisions that by their nature should survive — including intellectual property, disclaimers, limitation of liability, indemnification and governing law — shall remain in effect.

14. General provisions

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force. Our failure to enforce any right or provision does not constitute a waiver. You may not assign your rights under these Terms without our consent; we may assign our rights without restriction. These Terms constitute the entire agreement between you and TECNICOS S.R.L regarding the Website, superseding prior agreements on the same subject matter.

15. Contact

For questions about these Terms and Conditions, please contact us:

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