Terms Of Use
Your Use, Our Terms — Clear, Fair, and Transparent
Effective: March 2025
This website (“Website”) is owned and operated by Utility Market Australia Pty Ltd (ABN 83 662 208 791) (“Utility Market”). The registered office of Utility Market is located at Suite 18, T45 – Level 1, M-City, 2107 Dandenong Road, Clayton, Victoria 3168. In these Terms of Use, “we”, “our”, and “us” refer to Utility Market; “you” or “your” refers to the user of the Website or our services.
1. Introduction
1.1 By accessing and using this Website, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please do not use this Website.
1.2 These Terms govern your use of the Website and services, including our comparison and referral services across energy, broadband, and private health insurance products.
1.3 We may update these Terms periodically. Your continued use of the Website constitutes your acceptance of any updates.
2. Privacy and Data Use
2.1 Our Privacy Policy outlines how we collect, use, and protect your personal and sensitive information, including health-related data.
2.2 By using our services, you consent to the collection and use of your information in accordance with that policy.
3. Our Services
3.1 Utility Market provides a free platform to compare and connect you with energy, broadband, and private health insurance providers.
3.2 We are not a provider of these services. Contracts are entered into between you and the selected provider.
3.3 While we aim to present accurate, current information, we do not guarantee all offers are available or free from error.
4. Our Commitments to You
4.1 We act in your best interests, placing your needs before our own or any third party’s.
4.2 We receive a commission from the provider you choose if you proceed with a product via our platform. You do not pay us for our comparison or support services.
4.3 We disclose our commissions, benefits, and provider relationships transparently upon request.
4.4 We uphold the principles of the Private Health Insurance Intermediaries Association (PHIIA) Code of Conduct and nothing in these Terms limits or overrides our obligations under that Code.
4.5 We will not exclude or limit liability in relation to any personal one-on-one advice we provide under this Code.
4.6 We perform our services with competence, integrity, honesty, and care.
4.7 We comply with all relevant legislation including:
- Private Health Insurance Act 2007
- Privacy Act 1988
- Competition and Consumer Act 2010
- State and Territory Fair Trading legislation 8 We disclose actual or potential conflicts of interest and maintain appropriate records. 4.9 We assist customers in understanding and completing their chosen provider’s onboarding process.
5. Funds and Products Compared
5.1 In relation to private health insurance, we compare a range of products from selected providers. As of the date of this policy, we compare products from the following funds:
AHM, HCF, HIF, Hunter Health, NIB, RTH, GMHBA, Frank, HCi, Real Insurance, and Seniors Health Insurance.
5.2 Please note: Not all private health insurance funds or products available in the market are compared through our platform. The comparisons may not include all of each fund’s product range.
6. User Responsibilities
6.1 You agree to:
- Use the Website only for lawful, personal, and non-commercial purposes
- Provide accurate and complete information when using our services
- Not disrupt, misuse, or harm the Website or services
6.2 You must be at least 18 years old to use our services.
7. Third-Party Providers
7.1 Offers are provided by independent third-party providers. We do not control their pricing, product features, or service delivery.
7.2 You should review a provider’s product disclosure documentation before proceeding.
7.3 We are not liable for your engagement with any third-party provider, but we welcome feedback to ensure quality and compliance.
8. Payment and Fees
8.1 Our comparison services are provided to you free of charge.
8.2 We are paid a commission by the provider (e.g. energy company, broadband provider, health fund) when you proceed with a product using our services.
8.3 Commissions may vary between providers, but we do not recommend one provider over another based solely on remuneration.
9. Intellectual Property
9.1 All content on the Website (including logos, text, software, and visual elements) is the intellectual property of Utility Market or its licensors and may not be reused without permission.
10. Limitation of Liability
10.1 Our services are provided on an “as is” basis.
10.2 To the extent permitted by law, we exclude liability for:
- Errors or inaccuracies in content
- Provider performance or third-party issues
- Technical failures or service interruptions
10.3 This limitation does not apply to any advice or service we provide in accordance with the PHIIA Code of Conduct.
11. Termination
11.1 We may suspend or terminate your access if you breach these Terms or misuse the platform.
12. Governing Law
12.1 These Terms are governed by the laws of Australia.
12.2 Any disputes will be subject to the jurisdiction of the courts of Queensland.