Terms of Use

Refer Labs publishes independent comparisons, guides, calculators and quizzes for Australians, covering health services, pet insurance, home energy, software and other products. We are a publisher and referrer. We are not a doctor, insurer, broker, financial adviser, installer, lender or seller of anything we compare, and we hold no stock and dispense nothing.

We also offer services to businesses, described on our for-business pages, and an optional email newsletter.

Everything on the site is general information. It does not take your personal circumstances into account and is not a recommendation that any product or service suits you.

• Health. Health content is not medical advice. Whether any treatment is appropriate is a decision for a registered health practitioner who has assessed you.
• Insurance. Insurance content is not financial product advice. Read the insurer's Product Disclosure Statement (PDS) and Target Market Determination (TMD) before deciding.
• Energy and rebates. Rebate and savings figures are estimates that depend on your household, your installer and rules that change. Get a quote before relying on them.

Our Disclaimer explains this in more detail and forms part of these terms.

Prices are read off each provider's own page and dated. Offers are either read off the provider's page or, where an offer is specific to Refer Labs and published nowhere, confirmed directly with the provider, and each carries the date it was checked. Where an offer is the provider's own public offer, such as a free plan or a trial anyone can start direct, we label it as the provider's offer, not ours. Providers can change prices, terms, eligibility and offers without telling us, so treat what we publish as a dated record, not a quote, and confirm the current terms with the provider before you commit.

We work to keep the site accurate and we correct errors when we find them or when you tell us. Email jarred@referlabs.com.au if something looks wrong.

Some pages contain affiliate links, and some forms let you ask us to introduce you to a provider. If you sign up, buy, or have an enquiry taken up through one of these, the provider may pay Refer Labs a commission or referral fee.

• Any commission is paid by the provider, at no extra cost to you.
• A provider cannot pay to change its position, to be added to a comparison, or to have a criticism removed.
• We disclose commercial relationships on the pages that carry them. How we earn is set out on How we make money.
• When you follow a link to a provider, you leave our site. The provider's own terms and privacy policy apply to anything you do there, including any purchase, policy, quote or treatment.

When you submit a form, take a quiz that asks for your email, or subscribe to the newsletter, please give accurate details and only your own. We handle what you send under our Privacy Policy. Where a form offers to pass your enquiry to a provider, we only do so with your consent, and the provider then deals with you under its own terms.

Quiz results are general information matched to your answers. They are not a diagnosis, a recommendation or advice.

You can unsubscribe from the newsletter at any time using the link in any email, or by emailing us.

Services we provide to businesses are priced and agreed separately, in writing, and those agreed terms apply in addition to these terms. Businesses may also apply to be compared on the site.

• Placement is not for sale. We do not accept payment for a ranking, a position in a table, or a favourable conclusion.
• Content is editorial. We decide what a page says, including anything unfavourable. We correct factual errors on request, but partners do not approve conclusions.
• Information you supply must be accurate and verifiable, and you must tell us when it changes.
• We may decline an application or remove a listing at any time, including where an offer ends or a claim cannot be substantiated.
• Regulated categories. If you operate in a regulated area, including therapeutic goods, health services, insurance or credit, you are responsible for your own compliance, and we will not publish material that would breach the relevant law.

You agree not to:

• use the site for anything unlawful, misleading or harmful;
• interfere with the site, its security or other people's use of it;
• copy the site in bulk, or republish our pages as your own, except as allowed in section 8;
• submit false information, or someone else's details without their permission.

Search engines and AI crawlers may access the site as set out in our robots.txt file.

The site's text, design, calculators and logos are owned by Refer Labs or used with permission. Provider names and logos belong to their owners and appear to identify them.

• You may quote short extracts, with credit to Refer Labs and a link to the page.
• The observation log at /data is licensed more openly, under Creative Commons Attribution 4.0. The terms are stated on that page.
• Anything else needs our written permission.

We may change, update or remove pages, tools and offers at any time, and the site may occasionally be unavailable. We aim to keep it running and accurate, but we do not promise it will always be available or free of errors.

Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded. Where a paid service we supply fails to meet a consumer guarantee, you may be entitled to a remedy.

Subject to section 10, and to the extent the law allows, Refer Labs is not liable for any loss arising from your use of, or reliance on, the site, including decisions you make about a product, policy, treatment or purchase, or anything a provider does or fails to do. Where our liability for a service cannot be excluded but can be limited, it is limited to supplying the service again or paying the cost of having it supplied again.

This section does not limit liability for our fraud, or for anything else that cannot lawfully be limited.

Our Privacy Policy explains what personal information we collect, how we use it, and your rights.

We may update these terms from time to time. The current version is always on this page, with the date it was last updated. Changes apply from that date.

These terms are governed by the laws of Victoria, Australia. If you have a complaint, please email us first at jarred@referlabs.com.au and we will try to resolve it within 30 days. If it cannot be resolved, it may be taken to the courts of Victoria, sitting in Melbourne, or to any court or tribunal that has jurisdiction under law that cannot be excluded.

If any part of these terms is found to be unenforceable, the rest continues to apply. If we do not enforce a term straight away, we have not given up the right to enforce it later.