Updated: October 24, 2023
See details on the California Consumer Privacy Act.
Introduction and General Terms
In this Policy, the following terms shall have the following meanings:
|“Account”||means an account required to access and/or use certain areas and features of our Site;|
|“Cookie”||means a small text file placed on your computer or device by our Site when you visit certain parts of Our Site and/or when you use certain features of our Site. Details of the Cookies used by our Site are set out in Web browser cookies section below;|
|“personal data or personal information”||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via our Services or Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”);|
means any person who visits our Site, uses our Services, receives text messages or calls us on the phone.
Who are we?
Finder.com is an information service that provides you with the tools and information you need to compare a wide range of products, providers and services. Our Site is owned and operated by Finder.com LLC (“Finder”), a limited liability company which main address is Level 4, 32 East 31st Street, New York, NY, USA 10016.
In order to provide you with information, tools and other services we may collect and retain “Personal Information” that may identify you or contribute to identifying you. “Personal Information” can include information such as your name, email address, your photo, contact details and, in some cases, general financial information. We may also collect information including date of birth, address and identification number for to enable us to comply with our legal duties relating to customer due diligence under anti-money laundering and counter-terrorist financing laws and regulations. We will not collect your personal information unless it’s necessary to provide the information, advice or service you’ve requested and, where possible, you’ll be able to use our Services anonymously.
We will generally only collect your personal information from you or from someone you’ve authorized to provide it to us. We will also only collect information by lawful and fair means and not in an unreasonably intrusive way.
When does finder collect information about me?
When you use and access the Site, Services or during calls, emails or text messages with us, we may collect personal information about you. Because we take your privacy seriously, we will take reasonable steps to ensure that you are aware of:
- who we are and how you can contact us; and
- how you can gain access to the information we have collected about you; and
- the purposes for which the personal information is collected; and
- the organizations (or the types of organizations) to which we may disclose your personal information; and
- the laws that require us to collect this information; and
- the main consequences (if any) for you if you choose not to provide us with personal information about you.
We provide general advice and comparative information about a range of financial and credit products and can help you connect with businesses that provide relevant products and services. We are often required to collect some personal information to provide some services and, if you choose not to provide this information, then there is a chance that the information or advice you receive may not be suitable.
We prefer to collect personal information about an individual only from that individual but when you use our Services you may provide us with personal information about someone else. We won’t ask you for personal information about someone else unless it’s needed to provide you with the service, advice or information you’ve requested but if you provide us with information about another person, you need to ensure that you are authorized to disclose that information to us. It’s your responsibility to ensure that they understand how we will collect, use or disclose the information you provide. You need to take reasonable steps to ensure that they understand that we will not take any additional steps to confirm their understanding of these issues.
What information will finder collect about me and how it is collected?
We collect different types of information from or through the Service. The legal bases for finder processing of personal information are primarily that the processing is necessary for providing the Service in accordance with our Terms of Service and that the processing is carried out in finder’s legitimate interests, which are further explained in the section “How will finder use personal information about me?” of this Policy. We may also process data upon your consent, asking for it as appropriate.
- User-provided Information. When you use the Service, you may provide, and we may collect personal information. Examples of personal information include name, email address, mailing address, mobile phone number, social security number, date of birth, registration information – username and password.
Personal information also includes other information, such as geographic area, age, gender or preferences, when any such information is linked to information that identifies a specific individual or is relevant to a particular financial product or service you have requested. You may provide us with personal information in various ways on the Service. For example, profile and account information when you register for an Account, use the Service, interact with the Service through communication or messaging capabilities, or send us customer service -related requests like requesting details of home insurance products or using retirement planning calculators.
We may also collect the content of communications and interactions with us, which may include email messages, chat sessions, text messages, and phone calls that we exchange with you. Recordings of phone calls may be conducted where permitted by law.
- Automatically Collected Information. When you use the Service, we may automatically record certain information from your web browser, phone, tablet, computer, or device by using various types of technology, including cookies, identifiers, pixels or web beacons. This “automatically collected” information may include IP address or other device address or ID, web browser and/or unique device identifiers, device type, location or geolocation information of your device that you use with our mobile applications, if your device settings allow us to collect location information, the web pages or sites visited just before or just after using the Service, the pages or other content the user views or interacts with on the Service, including the electronic path you take to our Site, and the dates and times of the visit, access, activity or use of the Service, such as the links and objects you view, click or interact with (also known as “Clickstream Data”). The purposes of collection and use of this data are that we have a business need to identify our users and understand how they interact with us on their devices. We also may use these technologies to collect information regarding a user’s interaction with email messages from us, such as whether the user opens, clicks on, or forwards a message or clicks on any links or banners it contains. We may also use these technologies to collect data on your interaction with our advertising, inferences about any of the information above that may relate to your preferences, to understand how you interact with our communications to you or other matters and your interactions with finder.com‘s partners (conversion data). This information is gathered from all users.
- Information from Other Sources. We may obtain information, including personal information, from third parties and sources other than the Service, such as our partners, advertisers, consumer report agencies, and Integrated Services. If we combine or associate information from other sources with your personal information that we collect through the Service, we will treat the combined information as personal information in accordance with this Policy, the Terms, and applicable law.
How will finder use personal information about me?
All personal information is retrieved, processed, used and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with our obligations and safeguard your rights under the applicable legal requirements at all times. For more details on security, see section “Will finder share my personal information with anyone else?” below.
Our use of your personal information will always have a lawful basis, either because it is necessary for our performance of a contract with you, because you have consented to our use of your personal information (e.g. by subscribing to emails), or because it is in our legitimate interests. Specifically, we may use your data for the following purposes:
- answering your general queries about financial products, credit products and related matters;
- confirming your identity;
- communicating with you;
- administering our services;
- notifying you of the services we offer;
- carrying out marketing, training or promotional activities;
- responding to feedback, comments, or any other contact;
- sending you email(s) or newsletters to which you have subscribed;
- carrying out competitions;
- enhancing our Site or Services;
- helping you to resolve technical issues with our site;
- helping you to identify products and product providers appropriate for your needs and circumstances;
- referring you to product providers;
- in connection with a corporate transaction, such as a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy; or
- in marketing, educative, relevant and promotional material (and then only with your express permission);
- where we provide personalized services, we may analyze the information you supply, as well as your activity on our (and other) services, so that we can offer a more relevant, tailored experience;
- comply with our legal obligations
- providing and managing your account.
By using our services, you consent to us collecting, holding and using your personal information in this way.
We may also access, hold and use aggregated information about the people that use our services. Aggregated information won’t identify you or any other individual but simply provides us with non-personally identifiable data that we’ll use to improve our services, understand our users’ needs and develop tailored content. Although you would have provided us with the information we aggregate for these purposes, it won’t identify you or enable you to be personally identified.
You have the right to withdraw your consent to us using your personal information at any time, and to request that we delete it.
About Google Analytics
On our Site, we use the analysis tracking tool Google Analytics. Google Analytics is a tracking tool that serves to analyse the data traffic on our website.
To make Google Analytics work, a tracking code is built into the code of our Site. Using this tracking code, Google then assigns its own unique ID (“Google ID“) associated with your browser cookie to you. This way, Google Analytics recognizes you as a new user. The next time you visit our Site, you will be recognized as a “returning” user. All data collected by Google is stored together with this Google ID to make it possible for Google to evaluate pseudonymous user profiles.
Click here to learn more about Google Analytics and how Google handles your data due to our use of Google Analytics.
Why do we use Google Analytics on our website?
With the help of the reports we receive from Google Analytics through identifiers like cookies and the Google ID that Google assigns to you, we can better tailor our Site and Services to your preferences, based on your interactions with our website.
To be more specific, the types of Google Analytics data and reports we may receive about your behavior, and what they tell us include:
- Browser and Device Info: Technical information about the device, IP addresses and web browser of Site users. For example, when you view a product on our website via a smartphone and only buy the product later via a laptop, this helps us make sure our Site works well on different devices. It also informs our cross-device remarketing campaigns. (Remarketing is when we show visitors our offer on other websites).
- Session Info: Data about visits and how users interact with our Site, including which path they take. For example, how long users stay on our Site and the actions (including search history and links clicked) that they perform whilst on it. This also includes:
- Real-time Reports which, for example, tell us what is happening on our Site at any moment in time, such as how many users are currently browsing a particular page on our Site; and
- Conversion Reports: which explain to us the process you follow to perform a desired action based on a marketing message. For example, when you go from a mere website user to a member (due to creating a Finder account) or newsletter subscriber. We use these reports to learn more about how our marketing activities are received by you. This helps us increase our conversion rate.
- Advertising reports: These help us to analyze and improve our online advertising.
- Acquisition reports: These give us helpful information on how we can get more people interested in our Service.
Ads Personalisation through Google Signals
Google Signals is a feature within Google Analytics that provides additional insights on an anonymized and aggregated basis only, into user behaviour and demographics when users have ads personalization turned on.
You can control personalized ads on Google by visiting “My Ad Centre“. You can configure what ads you are shown (if you enable this feature), or choose to turn it off and disable it entirely if you previously opted-in.
Through Google Signals, we receive anonymized and aggregated data for the purposes of:
- Enhanced Cross-Device Reporting: Google Signals allows us to see how users interact with our Site or app across different devices (e.g., smartphones, tablets, desktops) when they are signed in to their Google accounts. This helps us understand the user’s journey and which devices they use in the conversion process.
- Demographics and Interests: With Google Signals, we can access aggregated and anonymized demographic and interest data about our users. This includes age, gender, and interests like sports, travel, or technology. This information can be valuable for tailoring our marketing campaigns to specific audience segments.
- Remarketing: We can create more effective remarketing campaigns by using Google Signals data. It enables us to re-engage with users who have interacted with our Site or app, potentially increasing conversions.
- Cross-Device Conversions: Google Signals helps us to understand how users move between devices before they convert. This insight can be valuable in optimizing our marketing strategy to accommodate multi-device user behaviors.
- Enhanced Conversions: With Google Signals, we can measure conversions more accurately, giving us a clearer picture of the effectiveness of our marketing efforts.
- Benchmarking: We can compare our Site’s or app’s performance to others in our industry. This benchmarking data can help us to identify areas where our business may need improvement.
- Insights for Tailored Advertising: Google Signals provides insights into how different user segments interact with our content. This information can be used to create more personalized and effective ad campaigns based on the anonymized and aggregated data we receive.
How long will finder.com keep my data?
We will hold your personal information on our systems for as long as is necessary for the relevant activity, or as long as is set out in any relevant contract you hold with the finder.com. If you delete your finder account then your personal information is deleted immediately, and the remaining information is anonymised for analytical purposes. For further information about deleting your finder.com data, please see section “Can I find out what personal information finder.comkeeps about me?” below.
Will I be contacted for marketing purposes?
With your permission and/or where permitted by law, finder.com may also use your data for marketing purposes which may include contacting you by email or text message, news and offers on our services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that we fully protect your rights and comply with our obligations under the applicable legal requirements. For opt-out details go to: How can I control information about me?
We may use information which we hold about you to show you relevant advertising on third party sites (e.g. Facebook, Google). This could involve showing you an advertising message where we know you have a finder account and have used finder Services. If you don’t want to be shown targeted advertising messages from finder.com, some third party sites allow you to request not to see messages from specific advertisers on that site in future.
Will finder share my personal information with anyone else?
As a general principle, we won’t disclose your personal information without your express permission unless:
- we are required to do so by the law, to comply with our obligations or exercise our rights;
- it’s necessary to lessen or prevent a serious and imminent threat to a person’s health, life or safety;
- it’s required to facilitate a corporate transaction, such as a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy; or
- it’s necessary to lessen or prevent a threat to public health or public safety.
Generally, we will use your information within finder and will only share it outside finder where you have requested it or given your consent. However, we may share with the following entities:
- Third-party vendors who provide services or functions on our behalf, including business analytics, customer service, marketing, distribution of surveys, and fraud prevention. We may also authorize third-party partners to gather information on our behalf, including as necessary to operate features of our website. Third-party vendors have access to and may collect information only as needed to perform their functions and are not permitted to share or use the information for any other purpose.
- Advertising partners. We share personal data with advertising partners, including your email address, as part of marketing of our services via third parties (to ensure that relevant advertisements are shown to the right audience). We strive to only share email addresses in hashed form to enable the matching of your email address with an existing customer database so that your email address cannot be used for other purposes.
We may share your information with third parties when we forward Digital Millennium Copyright Act (DMCA) notifications, which will be forwarded as submitted to us without any deletions.
Protecting the privacy of children
We recognize the importance of protecting the privacy and safety of children. Our Site and Services are directed towards a general audience and are not directed towards children. We do not allow children under 16 years of age to become registered users nor will we knowingly collect or maintain information from them. Finder does not knowingly request or collect personal information from any person under the age of 13 or minors otherwise defined in state law or regulation without verifiable parental consent. If you believe that your child under the age of 13 has submitted personal information to us, and without prior verifiable parental consent, or if you identify or suspect that we have acted contrary to this policy, please alert us via email and ask for that information to either be deleted or secured.
How we maintain accurate information
Although we will take reasonable steps to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date, it is your responsibility to ensure that the information you provide to us is accurate, complete and current. You control the information you provide to us and you can correct or update any information you choose to provide to us. If you want us to correct our records simply tell us what needs to be changed and why.
How and where does finder.com keep my data?
finder.com is a global business. To offer our services, we may need to transfer your personal information among several locations, including Australia, where we are headquartered. Some of our product and service providers will process your data in other countries, however, we require all our partners to ensure that your data is kept securely at all times.
The information we collect is entered into our site by you, imported on your instruction and transmitted across the internet to our servers. By using our service, you are consenting to this process. The service providers who host our servers are not permitted to access your personal information except for the purposes of storing it. Although we will take reasonable steps to protect the information you provide to us, you should appreciate that the Internet itself is not secure and take care about the personal information that you transfer over the internet or by email.
In a limited number of circumstances we may use third party providers to facilitate surveys or mail outs on our behalf. Should this occur, we will only do so where the Service Provider:
- has committed to securing your personal information in a manner consistent with our policy; or
- neither holds, accesses, uses or retains the personal information other than as we have engaged them.
Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through our Site. We use industry standard Secure Sockets Layer (SSL) technology to allow for the encryption of personal information and credit score data. finder.com engages a company that is an industry leader in online security and verification to strengthen the security of our services. finder.com is registered with site identification authorities so that your browser can confirm finder.com‘s identity before any personally identifiable information is sent. In addition, our secure servers protect this information using advanced firewall technology.
What happens if your business changes hands?
In the event that any of your data is to be transferred in such a manner, you may be contacted in advance and informed of the changes. If contacted you will be given the choice to have your data deleted or withheld from the new owner or controller.
How can I control information about me?
When you submit personal information via finder.com, you may be given options to restrict our use of your data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us which you may do by unsubscribing using the links provided in our emails and at the point of providing your details and by managing your Account). If you decide not to receive marketing emails, we may still send you service related communications.
If you receive a text message from us that contains marketing communication, you can opt-out of receiving future text messages by replying “STOP” or “UNSUBSCRIBE.” You control on your device whether you receive push notifications.
The right to withhold information
You may access some areas of the Site without providing any data at all. However, to use all features and functions available on our Site you may be required to submit or allow for the collection of certain data.
Can I find out what personal information finder.com keeps about me?
You have the right to request a copy of the personal information the finder.com holds about you (where such data is hold) and to have any inaccuracies corrected. We will not restrict your access to the information unless:
- providing access would pose a serious threat to someone’s life or health; or
- providing access would have an unreasonable impact upon someone else’s privacy; or
- the request for access is frivolous or vexatious; or
- the information relates to existing or anticipated legal proceedings between you and us;
- providing access would prejudice our negotiations; or
- providing access would be unlawful; or
- denying access is required or authorized by or under law; or
- providing access would be prejudicial or commercially sensitive.
If we can’t provide you with access to the information because of one or more of these reasons (which we will confirm in writing) we will consider reasonable alternatives that may satisfy all parties. You’ll generally be able to access your personal information without cost but, if we think a charge is reasonable it will not be excessive and will not apply to lodging a request for access.
We will need two copies of forms of identification, which can be:
- Driving license
- Birth certificate
- Utility bill (from last 3 months)
- Current vehicle registration document
- Bank statement (from last 3 months)
- Rent book (from last 3 months).
Where my personal information may end up?
Unless you choose to provide your personal information, or instruct us to do so, the personal information we hold will be secured on our servers and not be transferred elsewhere. There are some exceptions, but we won’t transfer personal information to a foreign country unless:
- We believe that the recipient of the information is subject to a law or arrangements that are substantially similar to our commitment; or
- you consent to the transfer; or
- the transfer is necessary for the performance of a contract between you and us, or for the implementation of pre-contractual measures taken in response to your request; or
- the transfer is necessary for the conclusion or performance of a contract concluded by you;
We may share your personal information with our corporate affiliates (e.g., parent company, subsidiaries or other companies under common control). If another company acquires, or plans to acquire, our company, business, or our assets, we will also share your personal information with that company using appropriate safeguards, including at the negotiation stage.
We will not transfer information contrary to this policy, without your consent or in a manner inconsistent with this policy.
Web browser cookies
What is a cookie?
A cookie is a small amount of data, often containing a unique identifier, sent to your computer or mobile device web browser from a website’s server and is kept on your device’s hard drive.
We use different types of cookies for different things, such as:
- Analyzing how you use finder
- Giving you a better, more personalized experience
- Recognising when you’ve signed in.
First party cookies
Third party cookies
By using our Site you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than us. Third party Cookies are used on finder for advertising services or social media. For more details, please refer to How We Use Your Data?
The following Cookies may be placed on your computer or device:
|Cookie||Name||Purpose||First or Third Party?||Cookie type||Manage preferences|
|These cookies allow us to collect information about website visitor interaction in order to optimise our pages.||First party||General service||n/a|
|These cookies allow us to collect information about website visitor interaction in order to optimise our pages.||First party||Performance||Learn more|
|These cookies allow us to track conversions on our partners’ websites.||Third party||General service||n/a|
|These cookies allow us to collect information about website visitor interaction in order to optimise our pages.||Third party||Performance||Learn more|
|These cookies are used to understand how users interact with the ads served on our site.||Third party||Targeting||Learn more|
|These cookies are used to understand how users interact with the ads served on our site.||Third party||Targeting||Learn more|
|Google Tag Manager||https://googletagservices.com||These cookies are used to manage third party tags on our site.||Third party||General service||Learn more|
|Google AdWords Conversion||
|These cookies are used to understand how effective our advertisement is.||Third party||Performance||Learn more|
|Google Adwords Remarketing||
|These cookies are used to deliver more targeted ads based on your interaction with the finder.com website.||Third party||Targeting||Learn more|
|NewRelic||JSESSIONID||Application monitoring.||Third party||Performance||Learn more|
|Third party||Performance||Learn more|
|Product analytics.||Third party||Performance||Learn more|
|Facebook Social Plugins||
|These cookies send data to Facebook when site with a social integration is visited.||Third party||Targeting||Learn more|
|These cookies send data to Facebook when site with a social integration is visited.||Third party||Targeting||Learn more|
We use both Session Cookies and Persistent Cookies. A Session Cookie disappears after you close your browser. A Persistent Cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent Cookies can be removed.
In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details about changing cookies preference and removal options,, please consult the help menu in your internet browser or the documentation that came with your device.
You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to utilize the features of the Services to their fullest potential, like access our Site more quickly and efficiently including, but not limited to, login and personalisation settings.Due to differences between using websites and apps on mobile devices, you may need to take additional steps to opt out on both platforms. Many mobile devices allow you to opt out of interest-based advertising for mobile apps using the settings within the mobile app or your mobile device. For more information, please check your mobile settings. Please note that your opt-out choice will apply only to the browser and device you are using when you opt out.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
Other information collected from web browsers
Your web browser may also provide the finder with information about your device, such as an IP address and details about the browser that you are using. We use information provided by your browser or by the link that you have clicked to understand the webpage that directed you to finder and this may be captured by performance cookies.
DNT (Do Not Track) browser setting
DNT is a feature offered by some browsers, which, when enabled, sends a sends a signal to websites to request that your browsing is not tracked, such as by third party ad providers, social networks and analytic companies. This website does not currently respond to DNT requests.
Contacting finder about this Privacy and Cookies Policy
We believe in openness and we are committed to ensuring that we respect the privacy of those using the exceptional services we provide. If you want to arrange access to your information or have questions about privacy or the use of this site, please email us or by mail at Level 4, 32 East 31st Street, New York, NY, USA 10016.
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