Here at WikiMoney we aim to provide unbiased information about the companies and individuals listed and the financial services they offer, however, it must be understood that ratings and reviews do not come from us. Information may not always be current, and facts and opinions may differ over time, therefore using any information is at your own risk; we can't accept liability should wrong decisions be made. We would always recommend you do further research from multiple sources before making any decisions.

Terms & Conditions. Privacy. Data Use.

Before using the services on this website, you must read and understand the terms and conditions of your use of the website and Wikimoney services.

Through your use of the website and any Wikimoney services, you acknowledge and agree that the Terms and Conditions constitute the rules and conditions of access to, use of and supply of information from the website. All terms and conditions that govern your use of the website (including disclaimers) may be amended by Wikimoney at any time by posting those amendments on the website without providing any notice to you. Those amendments apply to your next usage of the website. You are responsible for ensuring that you regularly review the website and these Terms and Conditions and keep up to date with any changes. Your continued use of the website after any such changes are made will be deemed to constitute your acceptance of those changes.

If you object to any of the Terms and Conditions you must cease use of the website and any Wikimoney services immediately.

Applicable Law

The Terms and Conditions and all other specific and additional terms which govern your use or membership of and access to the website and Wikimoney services will be governed by the laws of Victoria, Australia.

General Terms

The information, opinions and other similar statements and content published on the website are provided for information purposes only and are not intended as, nor do they constitute legal, financial, taxation, technical or expert advice or to be in any way relied upon by you without undertaking your own independent verification. Information provided on the website has been derived from sources and 3rd parties believed to be accurate at the time of compilation and no warranty or representation is made as to the accuracy or authenticity of the content of the website.

Wikimoney and its directors or agents do not accept and are by these Terms and Conditions released by you of any liability to you arising (whether directly or indirectly) out of the information provided on the website or anyone else through the website or any errors in, or omissions from information on the website.

Wikimoney does not make any representation or warranty that any user or member is reputable, or will act in good faith, or according to their terms of engagement; any information on the website will be complete, reliable or accurate; or your access to the website will be secure, available or uninterrupted.

Wikimoney disclaims and will not be liable for loss arising out of (whether directly or indirectly) and action or decision by you in reliance on the information on or provided to you through the website or provided by any business you engage on the website, nor any interruption, delay or impairment in the functioning, operation or availability of the website, exposure to or transmission of any computer virus, internet access difficulties in connection with the website, or malfunction in equipment or software.

You should seek legal or other professional advice before acting or relying on the information set out on or provided to you through the website or provided by any business or third party you engage on the website. Information on the website is for general information only.

Feedback Ratings & Comments

Wikimoney allows website users and visitors to rate and comment on the performance of businesses listed on the website.

Wikimoney reserves the right to publish or not to publish those ratings and comments (feedback) on the website at its absolute discretion.

Wikimoney reserves the right to delete or modify feedback submitted on the website at any time for any reason.

Wikimoney reserves the right to aggregate each businesses feedback into a percentage score and publish that score on the website.

In Australia and other countries, feedback may be considered defamatory of the reputation and standing of individuals and businesses. You acknowledge and agree that Wikimoney accepts no responsibility for liability, damage, injury or loss that may arise from feedback submitted to or published on the website, and you, by these Terms and Conditions, release forever and indemnify Wikimoney from any liability it may incur arising out of (whether directly or indirectly) any feedback you post on the Wikimoney website.

Privacy Policy

Wikimoney are committed to protecting and respecting your privacy.

We may collect and process the following data about you:
- Information that you provide by filling in forms on the website and information provided at the time of registering to use our website, subscribing to our service, posting material or requesting further services.

- If you contact us, we may keep a record of that correspondence.

- Details of any transactions you may carry out through our site and of the fulfilment of your orders.

- Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.

- IP ADDRESSES - We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

- COOKIES - Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

Sharing Information & Contacting You

We may disclose your personal information to third parties:
- In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.

- If Wikimoney or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.

- We may pass on your details to third parties so that they can offer you related products and services (including sending you a quotation for work)

- If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

We may also disclose aggregated demographic and profile data (in which neither you nor any other individual is identified) to our commercial and marketing partners. In the unlikely event that an insolvency practitioner (such as a liquidator) is appointed in respect of our business, that practitioner may sell, trade or rent personal data we then hold.

We will contact you through different automated processes on the site as a part of the functionality of the site. For example, we will contact you to verify your mail address when you submit a review. We will also send periodic emails such as newsletters which you will have the option of opting out of at any time.

Data Security

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.