Policy & Legal

Written By: Ehsan Jahandarpour

Privacy Policy, Terms Of Use & Advertiser Disclosure

Do not use our services if you do not agree with our privacy policy, cookie policy, and terms of service.

Top10best.io website, Social media, and other channels – use and content

Your use of the Top10best.io website and any Top10best.io social media outlets (eg. Twitter, Facebook, Instagram, etc)(‘Top10best.io’) on each occasion means that you accept the terms and conditions set out on this page and in the Privacy Policy. Top10best Pty Ltd may from time to time change the contents of the Top10best.io (including these legal notices) without any notice. If you do not accept these terms and conditions you must not visit or use the Top10best.io website or it’s outbound links.

The information provided in the Top10best.io Media is general advice and may not be complete for your financial and trading purposes. Top10best.io does not and can not warrant the accuracy of any information on Top10best.io and recommend that you confirm it with third party product providers, online brokers, and any service providers before acting on it. Third-party product and service information is for information purposes only and must be confirmed with the company.

Liability disclaimer

Although great care has been taken to ensure the reliability of any statements of opinion or general rating information provided by Top10best.io, Top10best.io gives no warranty in relation to statements and information contained in the Top10best.io Media and subject to the following paragraph, disclaims all liability to the fullest extent possible arising from any persons acting on the information and statements contained therein. Top10best.io assumes no responsibility or obligation to provide updates on any published statement or report. Nothing in these terms and conditions shall be construed to exclude, restrict or modify any guarantee applicable to a consumer that may apply under the Australian Consumer Law contained in Schedule 2 of the Competition and Consumer Act 2010 (Cth) (‘Consumer Guarantee’). Where a Consumer Guarantee is not able to be excluded, Top10best.io’s liability shall be limited at its sole discretion, to supplying the service again, or payment of the costs of having the service supplied again.
Subject to the foregoing, Top10best.io shall have no liability to any user of any of the Top10best.io or the information on it, for any reason.

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General Advice Warning

To the extent that any Top10best.io data, ratings or commentary constitutes general advice, this advice has been prepared by Top10best Representative and does not take into account your individual investment objectives, financial circumstances or needs. Information provided on and available from this site does not constitute financial, taxation or other professional advice and should not be relied upon as such. Top10best.io Research recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. Any reference by Top10best.io Research to the past performance of a financial institution or service provider is not necessarily indicative of future performance. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product or use the service. We are not responsible, answerable, or liable for any of your gains or losses.

Copyright & Links

The Top10best.io is owned by Top10best.io shareholders and subject to copyright. The Top10best.io Media may also contain third party supplied material that is subject to copyright. Top10best.io takes no responsibility for the use of information provided on Top10best.io. Except as permitted by the Copyright Act 1968, you may not reproduce, transmit, disseminate, sell, or publish information on Top10best.io without prior written permission from Top10best.io, provided that you may use the information for your private or internal purposes. Reference to any products, services or other information, by trade name, trademark or otherwise does not constitute or imply endorsement, sponsorship or recommendation of them by Top10best.io, and does not constitute or imply endorsement, sponsorship or recommendation of Top10best.io by the respective trademark owner. Rates are for information purposes only and must be confirmed with the company. Top10best.io may contain links to other websites. Such links do not constitute an endorsement or recommendation of any material on those linked websites or any third party products and services offered by, from or through those sites.

Referral Service

Referral Service Top10best.io’s website allows users to click on a range of content to be to be transferred to a third party’s website or landing page (‘Third Party Provider’), where you may find more information, complete an application form or request contact from the Third Party Provider about its products and services (‘Top10best.io Referral Service’). If you do not accept these terms and conditions you must immediately stop use of the Top10best.io Referral Service and not take any further action in relation to that Third Party Provider, which might include progressing to the making an application and/or completing an online form in relation to a financial product.

If you choose to use the Top10best.io Referral Service, you agree with Top10best.io that:

1. we are referring you to the Third Party Provider for further information about the financial product or service;
2. we may ask you to provide some information in a form before you are referred to the Third Party Provider. If you choose to provide that information, it will be dealt with in accordance with these terms and conditions;
3. by clicking an action button (for example ‘Open Account’, ‘Trade Now’, ‘Get Quote’,’Visit Site’, ‘Proceed’, ‘Request a Callback’), by proceeding to obtain a quote or by completing and submitting an application, in all cases you consent to us providing your personal information and other details in the online form to the Third Party Provider for the purpose of the Third Party Provider providing you with more information about a particular financial product or service;
4. if you telephone a number shown on the form, you will be telephoning and speaking to employees or agents of the Third Party Provider and not Top10best.io;
5. the Third Party Provider is not our employee, contractor or agent, and we will have no liability to you in relation your dealings with the Third Party Provider including any advice or recommendations it may make;
6. the Third Party Provider is a financial product or service provider, selling its own financial product products and services; You have no claim against us.
7. you will make all arrangements in relation to services you require from the Third Party Provider and you will be responsible for all fees and charges (if any) payable in relation to any product or service you acquire from the Third Party Provider;
8. we make no recommendation to you about the skills, expertise or suitability of the Third Party Provider for your purposes. You should consider seeking advice from a qualified financial adviser prior to proceeding;
9. a Product Disclosure Statement relating to the product you are interested in should be obtained and considered before making any decision about whether to acquire the product. Refer to the Third Party Provider’s Financial Services Guide or Credit Guide.
10. we may contact you to seek your response to a survey in relation to your dealings with the Third Party Provider;
11. we (or one of our related companies) may receive a commission or other payment in relation to the referral. For more information see How We Get Paid below;
12. you have read and accept the terms of Top10best.io’s Privacy Policy and these website Terms and Conditions. These terms limit your ability to make a claim against Top10best.io;
13. “We” and “us” means Top10best.io, and all it’s shareholders.

How we get paid

Top10best.io is committed to offering consumers a service, at no charge, that is designed to help you navigate the world of finance and find the right products for you. At Top10best.io we pride ourselves on being open with you about how we run our business, and in that spirit, we are open about how we make money. The revenue we generate helps us invest back into our business to ensure we have the staff, resources and technology needed to support the increasing numbers of people around the world and also Australians visiting our site. There are four key ways we get paid.

1. Lead referrals

You will see we provide links to third party websites on some sections of our website, including in our comparison tables. We offer you the choice to either narrow your search to see results that feature these links, or to see all products we compare. Consumers can choose to move from the research to the purchasing phase by clicking on these links should they wish to get more information or apply for a product that interests them. We may receive a commission or fee when this happens. Commissions and fees may vary between product providers and are individually negotiated. This won’t impact the articles crafted by our team of journalists, and it also has no bearing on the results of our Star Ratings, which are grounded in thousands of hours of research.

2. Ratings and Award licenses

In some cases, 5-Star Ratings and Award winners choose to pay to show our Rating or Award logos in their marketing materials to promote their achievement to the public. Top10best.io’s research team determines the winners of our Ratings and Award programs without any commercial influence. This is what our customers expect and deserve. For more information see how we avoid conflicts of interest.

3. Advertising

We feature some paid advertising, the most common being sponsored products. You can find these in our comparison tables, our articles, email newsletters and across popular pages of the site. Where you see a sponsored product in or near our comparison tables, they will be clearly labelled and may be shown in a fixed position, regardless of the product’s rating, price or other features. The fees paid for sponsored products can be higher than the lead referral fees described above. We are discerning about the brands we partner with, and are also careful to present advertising that is clearly labelled and highly relevant to our customers.

4. Database subscriptions

Many financial institutions in Australia, The U.S.A and around the world subscribe to our databases to access the extensive product information we gather to help automate and streamline their benchmarking and competitor analysis efforts. As part of their subscription, each provider’s product data is analysed in our research and ratings, as well as being displayed in our comparison tables.

Data Collection & Cookies

Top10best.io recognises the importance of protecting your privacy and abides by the Australian Privacy Principles contained in the (amended) Privacy Act 1988. This privacy policy explains how we collect personal information and how we maintain, use and disclose that information. It also provides some detail about your privacy rights along with our general rights and obligations, and our policy in relation to the personal information we keep on record. By using Top10best.io’s website and/or accepting Top10best.io’s Privacy Policy, you are consenting to the matters set out in it.

This privacy policy does not apply to parties that may be linked or associated with our website and to whom you disclose personal information. Those website owners are responsible for the privacy of the information they collect and should be contacted directly for details of their privacy policies. When we refer to our ‘website’, we are referring to the Top10best.io website on any device and social media sites; Top10best.io’s AdviserInfo service; Top10best.io View; Top10best.io’s Investor Hub service; emails we send; Top10best.io apps; competitions and scholarships we run; and any new technology we implement on any of these platforms.

What information do we collect?

Because we strive to provide our website users with personalised services showing the information most relevant to them, from time to time we request and store some private information about you. We will only use that information in accordance with this policy. We collect and hold information about you when you access and use our services through our website. The types of information we keep on record will depend on the type of product or service requested by you. We may keep a record of the following types of information about you:

Personal information that you give us when you use the website, such as your name, email address, address, and postcode; If you provide them to us, the name of your product provider, credit provider or product details for specific products that you hold; The google tags, all 3rd party pixels, or Facebook profile information identified in the ‘Log in’ form, if you choose to log in or sign up to our website using Facebook; Pages of the website that you have visited;Your IP address for your interaction with various parts of our website. Your IP address is the identifier for your computer when you are using the internet; Other information voluntarily provided by you; Any other information we need to enable us to deliver services to you; and Personal information that you give us when you visit the Top10best.io office, such as photographs we take of you with your permission, and physical or digital signatures.

We do not seek to collect sensitive information (for example health information or information about your racial or ethnic origin or any criminal record), unless it is necessary for our business purposes. If we do have to collect sensitive information, we will do so in accordance with the Australian Privacy Principles.
During our dealings with you, we may gather information about you relating to all products and services that we or our business partners provide to you. This information is used to help us decide how we can improve our service delivery to you, or to provide you with information that we think may be of interest to you. We also collect some statistical information about visitors to our website and their attributes by use of cookies, local storage, use of de-identified or aggregated data, data caches and tracking tags (for example, the number of visitors, pages viewed, types of transactions conducted, time online and information accessed). Other than for statistical information and user behaviour on our website, we do not collect any information about you through our website unless you voluntarily provide the information to us. Your web browser may automatically accept cookies and local storage on your computer.

Top10best.io also works with selected third parties in providing you services that we think may be of interest to you. Top10best.io may attach a cookie to your browser during your visit to our websites. These cookies may be used to provide relevant advertising to you by us or third parties, or to determine what marketing or advertising is delivered to you on our website and on other sites. You can usually modify your settings to decline cookies and/or local storage if you wish. Note that if you do that, this might stop you from being able to use all the services on our website. It is usually possible to stop your browser accepting cookies, disable local storage or to stop it accepting cookies from a particular website. Each browser is different, so check the ‘Help’ menu of your browser to learn how to change your preferences. You need not give us any of the personal information that we may request. However, without that information, we may not be able to fulfil your request or provide you with the services you want. If you use a link on our website that takes you to a third party website, this policy will no longer operate. Third party websites are not operated by or endorsed by Top10best.io, and the privacy policy of that website will apply to any information you give while visiting it.

Information collected for particular services

By using the Credit Score service, you confirm to Top10best.io that:

You are authorised to provide the requested personal details to Top10best.io you are aware of and consent to the purpose for which your personal information is sought as disclosed by Top10best.io in the Credit Score service website pages that personal information provided by you in relation to the Credit Score services will be used by Top10best.io and its third-party service provider for the verification of your identity. This is done by use of an Information Match Request made to an Official Record Holder, and (if verified) the provision of a credit score that any Information Match Result provided in response to the Information Match Request will be provided via the use of third party systems, and Top10best.io retaining a record of access to the Credit Score service being initiated by you, and all consents you give to the collection, use and storage of your personal information in relation to the Credit Score service.

How do we use your personal information?

We use your personal information to: respond to your requests and directions; provide products and services to you and, where possible, to provide information customised for you; administer competitions and scholarships, and provide competition and scholarship prizes; improve our website, products and services; contact you from time to time by telephone or email about new products, services or offers; update you about what we’re doing that you may find of interest; deal with complaints or issues you may have in relation to our services; review your dealings with us, including the products and services you use, your potential needs, and new products that might be of interest to you or other customers; maintain our internal records, such as billing; ensure our internal business operations are running smoothly which may include fulfilling legal requirements and conducting confidential systems maintenance and testing; help preserve the personal safety and security of our customers, website users, staff and the public; provide you with relevant and timely advertising Information collected by cookies or tracking tags on our website may be disclosed in a non- identified or aggregated format to third parties including website analytics services (e.g. Google Analytics), data management platform operators, advertisers, referral partners and media agencies. We do not share your personal information with our partners unless it is required for the provision of a particular website service, and we have disclosed this to you and you have consented.
Where we share your personal information

We must get your consent before we disclose your personal information. You can give us your consent expressly or it may be implied by your conduct. We may publish the names of competition or scholarship winners as set out in the terms and conditions of the relevant competition or scholarship. By using our services, you are deemed to have consented to our use, disclosure and other matters in relation to your personal information, as set out in this policy.

We may share your personal information:

to any organisation which you request us to, including a financial institution, financial adviser, service provider, product specialist, broker, solicitor, or accountant; to the cloud, as part of our normal business operations (e.g. backing up our systems, operating a third party app on our website); to our external service providers such as IT service providers (e.g. a provider of web hosting services). Some of these may be located overseas. Top10best.io may store your personal information on servers in overseas web hosting facilities; to our related companies and other organisations where reasonable to do so in relation to the operation of our business; to protect and defend our rights or property; if we consider it necessary to do so in order to enforce or apply the terms of any of our agreements with you;to contractors providing licensed collections services, credit card payment processing and CRM services, who comply with our privacy and security policies; if we sell our business or part of it; in extreme circumstances, to protect the personal safety of our customers, website users, staff or the public; to law enforcement, regulatory and government bodies, government agencies and courts, if we are required by law to do so.
We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure.

Amendment of this policy

We may amend this policy from time to time. Not all changes to our privacy policy will require your consent, for example where office security procedures are changed. You shall regularly check the policy if you did not see ot get notified about the change to our information handling policy that requires your consent. If you do not wish to receive information about our products and services then please tell us. You can do this at any time by writing to us.

Correction of information

We try to ensure that all information we hold about you which we collect, use or disclose is accurate, complete and up to date. You must promptly notify us if there are any changes to your personal information. You may ask us at any time to correct personal information held by us about you, which you believe is incorrect or out of date. We will deal with your request within a reasonable time In this policy, reference to “we/us” means Top10best.io and it’s shareholders. Contact Details and Complaints

If you have any questions, concerns or complaints about our privacy policy or practices please contact our Privacy Officer By email: [email protected]
We will try to answer any questions you may have, correct any error on our part or resolve any complaints that you may have about our information handling practices.
You acknowledge and accept that your use of the Top10best.io website indicates your acceptance of the Top10best.io website Terms of Use, cookies notice and this Privacy Policy.