Credit Score Terms & Conditions

1. Introduction

Pioneer Credit Limited's ('Pioneer Credit') Credit Score service is provided by Credit Place Pty Ltd ('Credit Place'). The Pioneer Credit Score service is governed by these terms and conditions, Pioneer Credit's Privacy & Credit Information Policy Statement (our 'Privacy Policy') and any other terms and conditions that appear in, or are linked to, the Credit Score page (, (Additional Terms and Conditions).

The Additional Terms and Conditions that appear on the Credit Score page of the Pioneer Credit website will govern your use of, and access to, certain sections of the Pioneer Credit website where they appear. Since these Additional Terms and Conditions form part of the Terms of Use, you are bound by them and should review them wherever they are relevant to you when using the Credit Score service. Using this website indicates that you have read, understood and agree to be bound by the Terms of Use and the Additional Terms and Conditions.

The Terms of Use and Additional Terms and Conditions may be varied or modified without prior notice and at Credit Place's sole discretion. Any subsequent access to, or use by you of the website will constitute an acceptance of the varied or modified terms.

2. Website content and access

As part of Credit Place's identity verification processes, personal detail provided to Credit Place will be matched to information held by the issuer or Official Record Holder, via third party systems.

While Pioneer Credit and Credit Place endeavour to take reasonable care in preparing and maintaining the information on the Credit Score webpage, they do not warrant the accuracy, reliability, adequacy or completeness of any of the website content. You acknowledge and accept that the website content may include technical inaccuracies and typographical errors. The website content is subject to change at any time without notice and may not necessarily be up to date or accurate at the time you view it.

It is your responsibility to enquire with us directly to ensure the accuracy and currency of the material or information you seek to rely upon. To the extent permitted by law, Credit Place disclaims all liability for loss directly or indirectly arising from your use of or reliance on the Credit Score webpage and the webpage content.

Pioneer Credit does not guarantee that access to its Credit Score page will be uninterrupted or that its website is free from viruses or anything else which may damage any computer which accesses the Credit Score page or any data on such a computer.

3. Limitation of Liability

To be eligible to use our services via the website you must be either an Australian citizen or Australian permanent resident and be 18 years of age or older. By using the Credit Score Service you represent and warrant that you are 18 or older and have an Australian driver's licence, Medicare Card or Australian passport ('Eligibility Criteria'). We may vary the Eligibility Criteria from time to time. By using the website you represent and warrant that you comply with this eligibility criteria. We may prohibit you from accessing or using the website without limitation if we believe that you do not comply with the Eligibility Criteria. This Eligibility Criteria may be varied by us at any time.

4. Limitation of Liability

To the maximum extent permitted by law Pioneer Credit or Credit Place will not be liable in any way to you or anyone else for any loss, expense, liability, claim, damages (including without limitation, indirect, special or consequential loss or damage), loss of income, data, contract, tort, profit, or loss of opportunity arising out of your use or inability to use, or access, the Credit Score webpage or any of the services or in relation to any content or information obtained through the Credit Score webpage, whether or not this is caused by a negligent act or omission.

Pioneer Credit or Credit Place does not accept liability for any acts or omissions of others, including but not limited to, product providers who provide the information and data used to compile the information featured on the Credit Score webpage, or any rating or content posted by you or other members.

5. Intellectual Property

The materials displayed on this website, including without limitation all editorial materials, information, photographs, illustrations, artwork and other graphic materials, and names, logos and trade marks, are the property of Credit Place and are protected by copyright, trade mark and other intellectual property laws. Credit Place does not grant any licence or right in, or assign any of its intellectual property rights in the content or applications incorporated into the Credit Score page, or in the user interface of the Credit Score page.

6. Licence of our Service

By giving you permission to access and use the Credit Score page, we grant you a non-exclusive, revocable, non-transferable personal licence to use our software on a server controlled by us, for the sole personal purpose of accessing and obtaining information from the Site, subject to these Terms of Use. Your permission to access and use the Credit Score page does not grant you any permission to use the Credit Score page for any commercial purpose.

You may not copy or reproduce the underlying source code or software either in full or in part, nor attempt to in any way modify, copy, reproduce, upload, post transmit, distribute, alter, reverse engineer or de-compile in any way any material from the Site including the source code or software. You are not licensed to use or install the source code or software, other than as specifically authorised by us. We reserve the right to add, remove or vary any source code or software.

7. Appointment of Access Seeker

This website allows you to obtain your credit score from Experian Australia Credit Services Pty Limited (ABN 12 150 305 383) ('Experian'). You appoint us as your Access Seeker for this purpose. We, and Frollo Australia Pty Ltd (an external company which administers our Pioneer Path application) will also receive a update as to your credit score monthly moving forward (12 times per year), unless either:

  • You request termination of the provision of these updates to us; or
  • We independently decide to cease receiving updates as to your credit score.

Your credit score will be presented to you via the Credit Score page, and a monthly update to this credit score will also be available to you if you download the Pioneer Path application. Note that regardless of whether you download Pioneer Path, your credit score information, and a monthly update of this will be provided to Credit Place and Frollo Australia Pty Ltd. In order to receive our services, you must provide us with:

  • Accurate, complete and up to date personal details as requested on the Credit Place website;
  • A valid email address.

To request access to a copy of your full free Experian credit report, please contact Experian directly at

8. Third Party websites

The Credit Score page may contain links to other websites operated, controlled or produced by third parties. Unless otherwise indicated, Pioneer Credit and Credit Place do not control, endorse, sponsor or approve any such third party websites or their content nor does Pioneer Credit or Credit Place provide any warranty to take any responsibility whatsoever for any aspect of those websites or their content.

9. Offer of Products

Once you have received your credit score, Credit Place, or one of its related entities or affiliates, may provide you with the opportunity to consider credit products or other products or services which may be suited to your needs. Examples of products which may be suggested for your consideration include home loans, personal loans, business loans, car loans and-/-or credit cards from a related entity or affiliate of Credit Place. Your contact information may be pre-populated in any enquiry into these products, however, your other personal information, including your credit score will remain with Credit Place and will not be provided to any other entity unless your express consent is provided.

10. No advice service

Any information we provide is of a general and information nature only. We do not provide personal financial, legal or tax advice or credit assistance of any form. Any content featured on the website is of a general and informative nature only. You must consider your own individual financial circumstances before acting upon any of the information featured on the website. We encourage you to seek independent advice when considering applying for any product or service featured on the website.

11. Dealing with Experian

You will deal with Experian directly in relation to the credit score. Credit Place does not assist with your application for the credit score and the credit-related information you obtain does not guarantee acceptance or eligibility for any other product or service.

12. Dealing directly with related parties

You will deal with Credit Place's related party if you are offered products under 9. above. Credit Place does not assist with your application for any product or service and the credit-related information we provide you does not guarantee acceptance or eligibility for any product or service.

13. Credit Score

Your credit score is calculated and produced by Experian. Credit Place's service does not reflect or capture any data contained in any other credit reporting body. Be aware that your credit score calculated and produced by Experian may differ from an individual credit score which another credit reporting bureau may calculate and produce for you.

14. Monitoring of Site Content

You acknowledge and agree that we have the right to monitor the Site and/or Site Content and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site, or to protect itself or other users of the Site. We have no obligation to monitor content on the Site or to protect users of the Site.

We may monitor communications via the Site and may withdraw any communication services or facilities at any time. We reserve the right to restrict any activities on the Site that we deem to be in breach of this legal notice or any other Credit Place agreement or policy.

15. Termination, cancellation and suspension of use

We reserve the right to terminate, suspend or otherwise limit your access or use to our Service without any prior notice to you, if we have reason to believe that you are breaching these Terms of Use or engaging in fraudulent or unlawful behaviour.

We also have the right to vary, discontinue or cease offering any aspect of the Service without any prior notice to you and we have no liability for any costs, losses or damages of any kind arising as a consequence of such termination.

16. Governing Law and Jurisdiction

The Terms of Use and all other aspects of your use of the website shall be governed by the laws of the state of Western Australia, Australia. Disputes arising in connection with this legal notice shall be subject to the non-exclusive jurisdiction of the courts of Western Australia. You agree that you will notify us of any claim or dispute concerning or relating to this legal notice and/or the Site.