Terms and Conditions

How these Terms are organised. These Terms cover our core services. Different parts apply to different services. You should always read Parts A, B, C and H. Then read whichever product part(s) apply to you:

Part D — if you use BeMoved, including energy or telco connection, disconnection or switching services;

Part E — if you use One Click Switch, including energy plan comparison, switching and, where you connect using CDR, activation of a free RateGuard monitoring account;

Part F — if you use RateGuard, including ongoing energy plan monitoring and notifications;

Part G — if you use One Click Switch or RateGuard in a way that involves Consumer Data Right data.

These Terms are between you and BeMoved Pty Ltd (ABN 37 649 325 940), a wholly owned subsidiary of Housed Group Limited (we, us, our).

By accessing or using any of our Services, you agree to be bound by these Terms, our Privacy Policy and (where the Services involve CDR data) our CDR Policy. If you do not agree, you must not use the Services.

Please read carefully Part G (CDR data), and clauses 22 (Disclaimers) and 23 (Limitation of liability), which contain important limitations on our obligations and your rights.

PART A — About these Terms

Universal terms — these apply to everyone who uses any of our Services

1. About these Terms

1.1 These Terms apply from the date you first access any of the Services and continue until terminated in accordance with clause 27.

1.2 These Terms incorporate our Privacy Policy and (where applicable) our CDR Policy. To the extent of any inconsistency between these Terms and either of those policies, these Terms prevail, except where the inconsistency relates to the handling of CDR data, in which case the CDR Policy prevails.

1.3 We may make additional terms, notices, disclaimers, campaign terms or product-specific terms available through a particular Service (such as the terms of a specific Savings Campaign). Those additional terms form part of these Terms in respect of that Service, campaign or feature, and prevail over these Terms to the extent of any inconsistency in that context.

1.4 We may amend these Terms from time to time. Where an amendment is material, we will take reasonable steps to notify you in advance (for example by email or by an in-platform notification) and, where required by law, will obtain any further consent needed. Non-material amendments will be published on our websites and take effect on publication. Your continued use of the Services after an amendment takes effect constitutes your acceptance of the amended Terms. If you do not agree to an amendment, you may close your Account in accordance with clause 27.

1.5 These Terms are in English. All monetary amounts are in Australian Dollars (AUD).

2. Definitions

2.1 In these Terms, unless the context requires otherwise:

Account means an account you hold with us to access one or more of the Services.

Accredited Data Recipient or ADR means a person accredited under the CDR Rules to collect and use CDR data.

Active RateGuard Account means an active account for the RateGuard service, created when you activate RateGuard directly or when you use One Click Switch through a CDR flow that includes free RateGuard monitoring.

Authorised Use means the purposes for which you have consented to us collecting, using and (where applicable) disclosing your CDR data, as described in clause 16 and as further detailed in our CDR Policy and in any consent you provide through the Services.

BeMoved means our energy and telecommunications connection, disconnection and switching service, as described in Part D.

BeMoved Pty Ltd means the entity that operates the Services, ABN 37 649 325 940. References in these Terms to “we”, “us” and “our” are to BeMoved Pty Ltd.

CDR means the Consumer Data Right framework established under Part IVD of the Competition and Consumer Act 2010 (Cth) and the CDR Rules.

CDR Data means data shared with us under the CDR framework, including electricity usage data, meter and tariff information, account and plan information, billing information, Customer Contact Data and any other data described in our CDR Policy.

CDR Policy means our policy for the management of CDR data, available at https://www.bemoved.com.au/legal/cdr-policy.

CDR Representative means a person that accesses or uses CDR data under a CDR Representative Arrangement with an ADR, in accordance with the CDR Rules. We are a CDR Representative of Fiskil.

CDR Rules means the Competition and Consumer (Consumer Data Right) Rules 2020 and any other rules, standards or instruments made under the CDR framework.

Consent means the consent you give for the collection, use, disclosure or de-identification of CDR data, in accordance with the CDR Rules.

Connection Services means the connection, disconnection and switching services provided through BeMoved, as described in Part D.

Customer Contact Data means customer profile and contact information made available under the CDR framework where you have consented to share that data. This may include your name, email address, phone number, mailing address, residential address and other customer details made available by your Energy Retailer or other Data Holder.

Derived CDR Data means data that is wholly or partly derived from CDR Data by analysis, processing, calculation or other means, including savings estimates, plan comparisons, insights and notifications generated by reference to CDR Data.

De-identified Data means data that has been altered so that it no longer relates to an identified or reasonably identifiable individual, in accordance with the CDR Rules where applicable.

Dormant Profile means an inactive profile we may create for you in respect of a Service you have not yet activated, as described in clause 8.

Energy Plan means a retail electricity or gas plan or product offered by an Energy Retailer.

Energy Retailer means a person licensed or authorised to sell electricity or gas to retail customers in Australia.

Fiskil means Fiskil Pty Ltd, our CDR Representative Principal and Accredited Data Recipient.

NMI means National Meter Identifier.

MIRN means Metering Installation Registration Number.

OCS means our energy plan comparison and switching service operated under the One Click Switch brand, as described in Part E. Where you use OCS through a CDR flow that includes RateGuard Monitoring, OCS also includes activation of a free RateGuard monitoring account.

OSP or Outsourced Service Provider means a third party engaged by us (or by Fiskil on our behalf) to provide a service that involves access to or handling of CDR Data or Derived CDR Data, bound by obligations consistent with the CDR Privacy Safeguards.

Platform means any of our websites and applications, including bemoved.com.au, oneclickswitch.com.au and rateguard.com.au, and any associated mobile applications, microsites and partner portals.

Privacy Act means the Privacy Act 1988 (Cth).

Privacy Policy means our privacy policy, available at https://www.bemoved.com.au/legal/privacy-policy.

RateGuard means our ongoing energy plan monitoring and notification service, as described in Part F, which may be activated directly or as part of the One Click Switch CDR service.

RateGuard Monitoring means the ongoing monitoring service described in Part F, including monitoring your energy plan, calculating insights, and sending service notifications and alerts about your energy plan and CDR consent.

Savings Campaign means a promotional offer made available through OCS that involves a calculated savings outcome or guarantee, subject to separate campaign-specific terms.

Services means BeMoved, OCS, RateGuard, Savings Campaigns and any other products, services, features and content we make available through the Platform from time to time.

Telco Provider means a telecommunications carrier or carriage service provider that supplies services to retail customers in Australia.

2.2 Headings are for convenience only. References to legislation include amendments and replacements. The singular includes the plural and vice versa. No provision will be interpreted against a party because that party drafted it.

PART B — Using our Services generally

Universal terms — these apply to everyone who uses any of our Services

3. Our Services

3.1 We operate a suite of services for Australian residential consumers in connection with their energy and telecommunications arrangements. The Services include:

BeMoved — connection, disconnection and switching of energy and telecommunications services, particularly when you are moving home (Part D);
One Click Switch (OCS) — energy plan comparison and switching, with personalised analysis using your historical usage. Where you use OCS through a CDR flow that includes RateGuard Monitoring, OCS also includes activation of a free RateGuard monitoring account (Part E);
RateGuard — ongoing monitoring of your energy plan, with notifications when an event of interest occurs, including price changes, discount expiry, unusual bill changes, potential savings opportunities and CDR consent reminders (Part F);
Savings Campaigns offered through OCS from time to time, including campaigns with third party partners.

3.2 OCS and RateGuard may rely on CDR Data, in accordance with Part G and our CDR Policy. BeMoved does not use CDR Data. Where a BeMoved customer is offered RateGuard, no RateGuard Monitoring or CDR collection occurs unless the customer activates RateGuard and completes the applicable CDR consent flow.

3.3 Some features are not available in all jurisdictions or circumstances. CDR-based features are not available in jurisdictions without retail competition (for example, Western Australia, the Northern Territory and regional Queensland), on embedded networks, or for business accounts. CDR is currently available for electricity only.

3.4 We may add, modify, suspend, withdraw or replace any feature of the Services at any time. We will take reasonable steps to give notice of material changes. Any change does not affect the validity of these Terms.

3.5 The Services are provided on an “as is” and “as available” basis, subject to the disclaimers in clause 23.

4. Eligibility and your Account

4.1 To use most features of the Services, you must create an Account.

4.2 When you create an Account, you must provide accurate, current and complete information, and you must keep that information up to date. You confirm that:

(a) you are at least 18 years of age;

(b) you are an Australian resident;

(c) in respect of any energy or telecommunications account you ask us to act on, you are the named account holder or you are otherwise authorised to act on that account;

(d) you have authority to provide the information and consents we request.

4.3 You are responsible for the security of your Account, including for all activity that occurs under your login credentials. You must keep your login credentials confidential, must not share them with any third party, and must notify us promptly of any actual or suspected unauthorised use.

4.4 We may require you to verify your identity or eligibility at any time, including to confirm that you are the named account holder for an energy or telco account, or that you meet the eligibility criteria for a Savings Campaign.

4.5 Your single Account can be used across the Services. Where you use One Click Switch through a CDR flow that includes RateGuard Monitoring, we may create or activate an Active RateGuard Account for you as part of that service. Where you use one Service but have not activated another Service, we may create a Dormant Profile as described in clause 8.

4.6 You may close your Account at any time using the functionality in the Services or by contacting us. Closure of your Account is governed by clause 27.

4.7 Where you authorise us to collect Customer Contact Data through CDR, we may use that information to create, verify or update your Account and Active RateGuard Account, manage your CDR consent, and send operational service communications. Where Customer Contact Data differs from details you have provided directly to us, we may ask you to confirm which details should be used for account access, alerts and service communications.

5. How we get paid

5.1 The Services are free for you to use. We do not charge you a fee for using BeMoved, OCS or RateGuard. If we introduce fees for any Service in future, we will only charge them with your prior agreement.

5.2 We receive commissions and referral fees from Energy Retailers, Telco Providers and other partners when customers switch, connect or disconnect through the Services. These commissions are how we fund the Services.

5.3 We may share commissions or pay referral fees with third parties, including real estate agents, comparison sites, financial institutions and other partners who refer customers to us.

5.4 We may also receive payments from partners in connection with Savings Campaigns or other promotions.

5.5 Where we display plans from multiple Energy Retailers or Telco Providers through the Services, they are presented in a way (such as ranking from lowest to highest estimated annual cost) that does not preference Energy Retailers or Telco Providers we have a commercial relationship with. We will identify plans where we have a commercial relationship.

5.6 We do not provide financial product advice and we do not act as your agent in your dealings with any Energy Retailer or Telco Provider.

6. Privacy and personal information

6.1 We handle personal information that is not CDR Data in accordance with the Privacy Act and our Privacy Policy. We handle CDR Data in accordance with the CDR Rules and our CDR Policy (see Part G).

6.2 Some information we hold about you may be both personal information under the Privacy Act and CDR Data under the CDR Rules. Where that is the case, the CDR Rules and our CDR Policy apply to that information.

6.3 We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification or disclosure, including by using encryption in transit and at rest where appropriate, access controls and regular security review. No system is perfectly secure and you acknowledge that there is residual risk in any electronic transmission or storage of data.

6.4 We will notify you and the Office of the Australian Information Commissioner of any eligible data breach affecting your personal information in accordance with the Privacy Act and, in respect of CDR Data, in accordance with the CDR Rules.

7. Communications and consents

7.1 Operational communications. By creating an Account, activating an Active RateGuard Account, completing a CDR consent flow, submitting an application, or otherwise engaging the Services, you agree to receive communications from us that are necessary to deliver the Services, including communications relating to:

the connection, disconnection, comparison, switching and monitoring of your energy and telecommunications services;
your CDR consents, including consent receipts, consent management, renewal reminders and expiry notifications;
RateGuard alerts and notifications where you have activated RateGuard directly or where RateGuard Monitoring is included in the One Click Switch CDR service you selected;
Savings Campaign updates, eligibility outcomes and fulfilment;
your Account, any Active RateGuard Account and any Dormant Profile, including limited operational messages about activating, managing or deleting a Dormant Profile;
changes to these Terms, our Privacy Policy or our CDR Policy;
security, privacy, support and account matters.

7.2 Marketing communications. We will only send you marketing communications where you have given express opt-in consent. Marketing consents are sought and managed separately from the operational consents in clause 7.1. You can withdraw your consent to marketing at any time, for example by using the unsubscribe link in any electronic marketing message or by contacting us using the details in clause 30. Withdrawal of marketing consent does not affect operational communications under clause 7.1. For clarity, RateGuard alerts and CDR consent reminders sent as part of an active RateGuard service are operational communications, not marketing communications.

7.3 We will not use CDR Data, Derived CDR Data or Customer Contact Data to market products or services unrelated to the comparison, switching or monitoring of your energy services.

7.4 All electronic marketing is sent in accordance with the Spam Act 2003 (Cth). Telemarketing is conducted in accordance with the Do Not Call Register Act 2006 (Cth). Where required, we obtain your express consent before contacting numbers listed on the Do Not Call Register.

7.5 Third party marketing. We do not provide your contact details to third parties for unsolicited marketing without your express prior consent.

PART C — Cross-product features

Universal terms about how you move between our Services

8. Linked profiles, Active RateGuard Accounts and Dormant Profiles

8.1 Because we offer multiple Services, your single Account can be used across BeMoved, OCS, RateGuard and any future Services.

8.2 Active RateGuard Account created through OCS. Where you use One Click Switch through a CDR flow that includes RateGuard Monitoring, we may create or activate an Active RateGuard Account for you as part of that service. This allows us to provide your initial OCS comparison and, for the duration of your active CDR consent, provide RateGuard Monitoring.

8.3 An Active RateGuard Account may use:

personal information you provide directly to us;
Customer Contact Data, where you have authorised us to collect and use it through the CDR consent flow;
CDR Data and Derived CDR Data, for the Authorised Uses described in Part G and our CDR Policy.

8.4 Dormant Profiles. To make it easier for you to use additional Services, when you create an Account through one Service, we may create a Dormant Profile for you in respect of one or more of our other Services.

8.5 A Dormant Profile:

is held in your Account and is associated with personal information you have already provided us, or that we are otherwise entitled to hold under these Terms;
does not involve active service delivery in respect of the relevant Service — in particular, no plan comparisons, switches, monitoring, calculations or notifications are produced under a Dormant Profile;
does not, in respect of OCS or RateGuard, involve any collection or use of CDR Data. CDR collection requires your express Consent through the applicable CDR consent flow;
does not, on its own, trigger marketing communications. We may send you a limited number of operational messages letting you know that a Dormant Profile is available, what it would do if activated, and how to activate or delete it. Any ongoing promotion of the underlying Service is subject to your express opt-in marketing consent under clause 7.2.

8.6 Activating a Service from a Dormant Profile. You can activate a Service in respect of a Dormant Profile at any time by completing the activation flow we make available through the Platform. Activation may require you to:

confirm that you wish to use the Service;
provide any additional information required for that Service, such as your supply address, NMI, current Energy Retailer or contact details;
give any additional consents required for the Service, including any CDR Consent required under Part G.

8.7 Deleting or closing. You can delete a Dormant Profile, close your Account, or stop using RateGuard at any time using the functionality in the Platform or by contacting us using the details in clause 30. Deletion or closure may not affect records we are required or permitted by law to retain.

8.8 Single sign-in. Activities you carry out across active Services may share information held in your Account, such as your contact details, supply address, identity verification status, service preferences and consent records, so that you do not need to provide the same information twice.

PART D — BeMoved — Connection and switching services

These terms apply if you use BeMoved (www.bemoved.com.au)

9. The BeMoved service

9.1 BeMoved is our connection, disconnection and switching service for residential energy (electricity and gas) and telecommunications services. It is designed in particular for customers who are moving home, but you can also use it if you are simply switching providers.

9.2 BeMoved is delivered through our website at bemoved.com.au, through our call centre, and (where applicable) through Affiliates and referral partners such as real estate agents.

9.3 BeMoved does not use CDR Data. If you also use OCS or RateGuard, those Services use CDR Data on the terms set out in Part G.

9.4 Our role under BeMoved is to facilitate your connection, disconnection or switch with your chosen Energy Retailer or Telco Provider. We are not the supplier of energy or telecommunications services. The actual supply of those services, and the contractual relationship in respect of that supply, is between you and your chosen Energy Retailer or Telco Provider.

10. Applications, information and authorisations through BeMoved

10.1 When you submit an application through BeMoved, you authorise us to:

(a) contact your chosen Energy Retailer or Telco Provider on your behalf;

(b) disclose to that Energy Retailer or Telco Provider the information necessary to process your application, including (without limitation) your name, contact details, supply or service address, NMI or MIRN (for energy), identification information, life support / medical devices declaration (for energy), and other information required to set up or transfer your account;

(c) gather an NMI, MIRN or equivalent identifier, directly or through third party partners, for the purpose of completing your application.

10.2 From the point at which we disclose information to your chosen Energy Retailer or Telco Provider, that information becomes subject to the privacy policy and terms of that provider. We are not responsible for the handling of information by your provider.

10.3 Connections, disconnections and switches through BeMoved are subject to acceptance by your chosen provider and to your meeting any applicable identification, credit and eligibility checks. We do not guarantee that any application will be accepted, completed or carried out on any particular date.

10.4 Information you provide is taken as accurate without independent verification by us. You are responsible for the accuracy of the information you provide. If your information is inaccurate or incomplete, we may be unable to complete your application, or may complete it inaccurately.

10.5 Plans, pricing and product information displayed through BeMoved are provided by Energy Retailers, Telco Providers or our data partners. They are indicative only and may change without notice. We do not warrant their accuracy or completeness.

10.6 Your existing Energy Retailer or Telco Provider may charge you fees in connection with a disconnection or switch, including cancellation fees or early termination fees. You are responsible for any such fees. We recommend you check the terms of your existing service before disconnecting or switching.

10.7 Once a connection, disconnection or switch is completed, your relationship for the supply of services is with your chosen Energy Retailer or Telco Provider. Queries about billing, supply, complaints or service should be directed to that provider.

10.8 Life support and medical devices. If you have registered or unregistered life support equipment at the supply address, you must disclose this accurately when submitting an application. Specific protections apply under your Energy Retailer’s terms and applicable energy laws, and additional steps may be required before any disconnection or switch.

10.9 Operating hours. Energy connections and disconnections are typically processed by Energy Retailers between 9:00 am and 5:00 pm on business days. We may contact you about your BeMoved application during our call centre operating hours, which are currently Monday to Friday 8:30 am to 6:00 pm AEST (or 8:30 am to 7:00 pm AEDT).

PART E — One Click Switch — Energy plan comparison and switching

These terms apply if you use One Click Switch (www.oneclickswitch.com.au)

11. The OCS service

11.1 OCS is our energy plan comparison and switching service. It is designed to help residential energy customers compare available Energy Plans against their current usage and current plan, and to switch retailer where they choose to. Where you use OCS through a CDR flow that includes RateGuard Monitoring, OCS also includes activation of a free RateGuard monitoring account.

11.2 OCS may use CDR Data to provide personalised plan comparisons, savings estimates and, where RateGuard Monitoring is included, ongoing monitoring and alerts. Your use of CDR Data through OCS and RateGuard is governed by Part G and our CDR Policy.

12. Comparing energy plans through OCS

12.1 Through OCS we compare Energy Plans available to us against your usage and your current plan. We rank the results from lowest to highest estimated annual cost by default.

12.2 We use the best information available to us about Energy Plan rates, fees and conditions, including information provided by Energy Retailers and publicly available information. We do not represent every Energy Retailer or every plan available in the market.

12.3 Comparisons may be based on any of:

(a) CDR Data retrieved from your Energy Retailer (the most accurate option — see Part G);

(b) a recent bill you upload to OCS;

(d) a “quick estimate” based on reference usage profiles for your area.

12.4 Savings methodology. Savings figures we display through OCS are estimates only. In calculating savings:

(a) where we have less than 12 months of usage data, our calculations include only the data available;

(b) we include published rates, supply charges, network charges, guaranteed discounts and conditional discounts and credits with a calculable monetary value over the benefit period;

(c) we exclude movie tickets, vouchers, free subscriptions, GreenPower options, and other incentives without a calculable monetary value;

(d) we exclude temporary credits, rebates, concessions, one-off goodwill credits, back-billing adjustments and similar items that are not part of the ongoing plan rates;

(e) we use rates and conditions current at the time of comparison; rate changes after that time may affect actual outcomes;

(f) we make reasonable assumptions about future usage based on your historical usage, which may differ from actual future usage.

12.5 Savings figures are not financial advice, are not personal advice, and are not a recommendation. You must make your own decision about whether to switch.

12.6 We do not warrant that the listed plans are the cheapest or most suitable plans available to you in Australia. We do not warrant that any plan will remain available between the time of comparison and the time of switching, or that an Energy Retailer will accept your application.

12.7 Where you use OCS through a CDR flow that includes RateGuard Monitoring, we will create or activate an Active RateGuard Account for you and may continue to use CDR Data and Derived CDR Data for RateGuard Monitoring for the duration of your active CDR consent. This is separate from any comparison based only on a bill upload, manually entered usage details or a quick estimate, which does not activate CDR-based RateGuard Monitoring unless you separately complete the applicable CDR consent flow.

12.8 The availability, accuracy and usefulness of a comparison or RateGuard alert depends on the completeness, timeliness and accuracy of the data available to us, including CDR Data, retailer plan data, network tariff data, information you provide and information provided by third parties.

13. Switching energy plans through OCS

13.1 If you direct us to facilitate a switch to a participating Energy Retailer through OCS, you authorise us to:

(a) contact that Energy Retailer on your behalf;

(b) disclose to that Energy Retailer the information necessary to initiate the switch, including your name, contact details, supply address, NMI or MIRN, identification information, life support and medical devices declaration, and any other information you authorise us to provide for the purpose of the switch. We will only disclose CDR Data or Derived CDR Data to an Energy Retailer where you have directed us to facilitate a switch and the disclosure is permitted under your CDR consent, our CDR Policy and the CDR Rules.

13.2 Clauses 10.2 to 10.9 (which deal with retailer acceptance, accuracy of information, cancellation fees, queries post-switch, life support and operating hours) apply equally to switches initiated through OCS.

13.3 We do not act as your agent in your dealings with an Energy Retailer.

14. Savings Campaigns and offers

14.1 We may from time to time offer Savings Campaigns through OCS, including campaigns in partnership with third parties (such as the Westpac minimum 10% savings offer).

14.2 Each Savings Campaign has its own specific terms and conditions, which are made available to you when you participate. Those campaign-specific terms form part of these Terms in respect of that campaign, and prevail to the extent of any inconsistency in respect of that campaign.

14.3 Without limiting clause 14.2, the following general principles apply to all Savings Campaigns unless the campaign-specific terms expressly provide otherwise:

(a) CDR Data may be required to verify eligibility (for example, tenure with your current Energy Retailer) and to calculate the savings amount;

(b) campaigns are generally limited to one claim per household or supply address per calendar year;

(c) payments under campaigns may be made via gift card or digital voucher (subject to the relevant issuer’s terms), bank transfer, or another method specified in the campaign-specific terms;

(d) campaigns may require you to remain on your chosen Energy Plan for a specified period after switching, failing which any payment may be forfeited;

(e) campaigns are subject to verification of identity, eligibility and the successful completion of a switch;

(f) we may withdraw or amend a campaign at any time, but customers who have already submitted a qualifying switch will have the campaign honoured in accordance with its terms;

(g) we may refuse to make a payment under a campaign where we reasonably believe the offer has been misused or that data has been manipulated.

14.4 Where a Savings Campaign is offered in partnership with a third party (for example, an authorised partner channel), additional eligibility criteria specific to that partnership (such as accessing the Service through a designated partner link) will apply.

14.5 Payments under Savings Campaigns are not refunds, financial product distributions, or interest, and are not advice to enter into any Energy Plan.

PART F — RateGuard — Ongoing monitoring and notifications

These terms apply if you use RateGuard (www.rateguard.com.au)

15. The RateGuard service

15.1 RateGuard is our ongoing energy plan monitoring service. RateGuard may be activated directly through RateGuard or as part of the One Click Switch CDR service where the service you select includes free RateGuard Monitoring.

15.2 Where RateGuard is activated, you give us ongoing CDR Consent of up to 12 months so that we can monitor your energy plan and notify you of events of potential interest.

15.3 Where you have an Active RateGuard Account, we may:

periodically retrieve your CDR Data, including usage data, plan information, rates, fees, billing information, Customer Contact Data and discount benefit periods, in accordance with your CDR consent and our CDR Policy;
calculate Derived CDR Data, including comparisons against alternative plans, projected future bills, potential savings estimates, changes in your relative position over time, and alert triggers;
send you service notifications, alerts and reminders by SMS, email, push notification, in-platform messages, or a combination of those channels;
disclose CDR Data or Derived CDR Data to OSPs where permitted under the CDR Rules, our CDR Policy and our CDR Representative Arrangement, to enable the delivery of RateGuard Monitoring and service notifications.

15.4 Examples of events that may trigger a RateGuard notification include:

the expiry of a discount, credit or benefit period;
a rate change by your current Energy Retailer;
the emergence of a materially cheaper Energy Plan available to you;
the end of a contract term or fixed-rate period;
anomalies or unusual patterns in your usage that may indicate bill shock risk, a metering issue or a change in circumstances;
the approaching expiry of your CDR Consent;
a need to refresh, update or reconnect your CDR consent.

15.5 Notifications are informational only. They are not financial advice, personal advice or a recommendation to switch. They are not guaranteed to be timely, complete or accurate. We rely on data feeds from Energy Retailers and other third parties, which may be delayed, incomplete, incorrect or unavailable. You remain responsible for your own decisions about your energy plan.

15.6 You may pause RateGuard, change the notification channels you receive, withdraw CDR consent, or unenrol from RateGuard at any time through the Platform or by contacting us. Withdrawing CDR consent or unenrolling from RateGuard will stop CDR-based RateGuard Monitoring and will trigger deletion of your CDR Data in accordance with Part G and our CDR Policy, subject to any records we are required or permitted by law to retain.

15.7 We may suspend RateGuard for a particular user or for all users where we reasonably consider it necessary, including for maintenance, security, fraud prevention, data quality, product availability or compliance reasons. We will take reasonable steps to notify affected users where appropriate.

15.8 Charges. RateGuard is currently provided to you at no charge. We may introduce charges in future, but only with your prior agreement to the relevant fees.

PART G — Use of CDR Data

These terms apply if you use OCS or RateGuard (the Services that use CDR data)

16. Use of Consumer Data Right (CDR) data

16.1 Read this Part with our CDR Policy. This Part sets out our key commitments to you about how we collect, use, hold and disclose CDR Data through OCS and RateGuard. Our CDR Policy contains additional detail required by the CDR Rules, including how to make a complaint.

16.2 BeMoved does not use CDR Data. If you use BeMoved only, this Part does not apply to you.

16.3 Our CDR status. We access CDR Data through Fiskil, who is an Accredited Data Recipient under the CDR framework. We act as a CDR Representative of Fiskil. Our CDR Representative Arrangement with Fiskil has been registered with the ACCC. Fiskil remains responsible to you for our compliance with the CDR Rules. Further detail is in our CDR Policy.

16.4 What we collect via CDR. Where you give Consent, we (through Fiskil) may collect from your Energy Retailer or other Data Holder the following CDR Data:

electricity usage history, including volumes consumed and the times of consumption, typically for up to 12 months;
meter and tariff information for your supply address, including NMI or MIRN, meter type, tariff structure, distributor information and applicable network charges;
current Energy Plan information, including rates, fees, discounts, credits and applicable benefit periods;
billing information, including bill history, billing periods, charge categories, amounts, concessions, credits, discounts and other billing information where shared by the Data Holder;
Customer Contact Data, where you have consented to share it, including your name, email address, phone number, mailing address, residential address and other customer details made available by your Data Holder;
account information necessary to identify the supply address, match the relevant account or connection point, manage your Account, and help confirm that you are the account holder;
energy generation and storage information, where available, including solar generation, export information, battery or storage information and related data.

16.5 What we do not collect via CDR. We do not collect, and through CDR we are not able to collect:

(a) your password or login credentials for your energy account;

(b) your bank account or payment information;

16.6 Authorised uses. We will only use your CDR Data and Derived CDR Data for the purposes you have consented to, which may include:

calculating personalised energy plan comparisons, estimated annual costs and potential savings estimates for you;
ranking available Energy Plans based on your historical usage, current plan, tariffs, meter information, billing information and other relevant CDR Data;
creating and managing your Account, including using Customer Contact Data where you have consented to share it;
activating, creating and managing your free RateGuard monitoring account as part of the One Click Switch CDR service;
providing RateGuard Monitoring for the duration of your active CDR consent;
generating, sending and recording service notifications, reminders, alerts and insights about your energy plan, including price changes, expiring discounts, unusual bill changes, CDR consent expiry and potential savings opportunities;
managing your CDR consent, including consent records, CDR receipts, consent expiry reminders, withdrawal requests, deletion requests and support requests;
verifying your eligibility for, and calculating your entitlement under, Savings Campaigns and similar offers;
disclosing CDR Data or Derived CDR Data to OSPs where permitted under the CDR Rules and our CDR Representative Arrangement, for the purpose of delivering the Services and notifications described in this clause;
disclosing relevant information to an Energy Retailer where you have directed us to facilitate a switch under clause 13;
producing De-identified Data, where you have given de-identification consent, for service improvement, benchmarking, research and product development.

16.7 Uses we will not make of your CDR Data. We will not:

(a) use your CDR Data to market products or services that are unrelated to the comparison, switching or monitoring of your energy services;

(b) sell your CDR Data;

(d) make any change to your energy services without your separate and explicit instruction;

(e) use your CDR Data for any purpose not within the Authorised Uses or otherwise consented to by you.

16.8 Disclosure of CDR Data. We may disclose your CDR Data or Derived CDR Data:

to Fiskil, in its capacity as our CDR Representative Principal and ADR;
to OSPs engaged by us or Fiskil for the purposes described in clause 16.6, including SMS, email and push notification providers, identity and authentication providers, customer support tooling, and cloud hosting and infrastructure providers, each of which is bound by obligations consistent with the CDR Privacy Safeguards;
to Energy Retailers, where you have directed us to facilitate a switch under clause 13 and the disclosure is necessary to complete that switch;
to any other person, where you have given express prior consent;
where required or permitted by law or the CDR Rules.

16.9 A current list of OSPs to whom we may disclose CDR Data, including any that handle CDR Data outside Australia, is published in our CDR Policy and updated from time to time.

16.10 We will not disclose your CDR Data to any other person except where we are required by law to do so or where disclosure is permitted by the CDR Rules.

16.11 Derived CDR Data. Derived CDR Data is treated as CDR Data and is protected under the CDR Privacy Safeguards, except to the extent the CDR Rules provide otherwise.

16.12 De-identification. Where you give de-identification consent, we may convert your CDR Data and Derived CDR Data into De-identified Data in accordance with the CDR Rules and our CDR Policy. Once data has been validly de-identified in accordance with the CDR Rules, it is no longer CDR Data and is no longer subject to the CDR Privacy Safeguards. We may use De-identified Data for service improvement, analytics, benchmarking, research and product development, provided no individual is reasonably identifiable.

16.13 Consent durations. The CDR Rules require that consents be time-limited. Our standard consent durations are:

for One Click Switch comparisons that include activation of a free RateGuard monitoring account: up to 12 months. You will be invited to renew your Consent before it expires. If you do not renew, RateGuard Monitoring will cease at the end of the Consent period and your CDR Data will be deleted in accordance with clause 16.15 and our CDR Policy;
for RateGuard Monitoring activated separately from One Click Switch: up to 12 months. You will be invited to renew your Consent before it expires;
for Savings Campaign eligibility and fulfilment: for the period required to verify your eligibility, complete fulfilment of the campaign, and where applicable cover any verification window applying to the campaign, up to a maximum of 12 months;
for any one-off comparison product we may offer separately in future: the shorter period disclosed in the applicable consent flow, which may be approximately 20 minutes.

16.14 Withdrawing Consent. You may withdraw your Consent at any time. You can do so by:

(a) using the consent management tools we provide through the Platform;

(b) using the consent management tools provided by Fiskil;

(d) contacting us using the details in clause 30.

16.15 Withdrawal of Consent will, at your election, result in either deletion or de-identification of your CDR Data at the end of the Consent period or upon withdrawal, whichever occurs first. If you do not specify an election, our default action is to delete the data. Withdrawal of Consent may end your access to features of the Service that depend on CDR Data, including RateGuard and certain Savings Campaigns. Withdrawal does not affect:

(a) anything we have already lawfully done with your CDR Data prior to withdrawal;

(b) any disclosures already made to OSPs, Energy Retailers or other parties prior to withdrawal;

(c) any record of switches you have already completed, or any obligations under campaign terms where the trigger event has already occurred.

16.16 Retention. We will not retain your CDR Data for longer than is reasonably necessary to fulfil the Authorised Uses, plus any period required by law. Specific retention periods are set out in our CDR Policy.

16.17 Joint accounts. Where the energy account is a joint account, CDR sharing arrangements are governed by the joint-account rules of your Energy Retailer and the CDR Rules. You confirm that you have the authority of any joint account holder to provide your Consent. We may decline to act on a Consent where we have reason to believe joint-account requirements have not been met.

16.18 Your CDR rights. You have rights under the CDR framework, including the right to access information about how your CDR Data has been collected, used and disclosed, the right to correction, and the right to lodge a complaint. These rights are described in our CDR Policy and complaints are dealt with under clause 26.

17. Calculation and storage of savings information

17.1 We use CDR Data to calculate personalised savings estimates, plan comparisons, RateGuard insights, notification triggers and other Derived CDR Data that are specific to you. By providing your Consent, you authorise us to perform these calculations and to store the resulting Derived CDR Data for the period of your active Consent and otherwise as permitted by these Terms, our CDR Policy and the CDR Rules.

17.2 Derived CDR Data may include the content of alerts or notifications where those alerts or notifications are generated from, or refer to, your CDR Data. For example, a discount expiry alert, usage anomaly alert, bill shock indicator, plan comparison insight or potential savings alert may be Derived CDR Data.

17.3 We may use Derived CDR Data to:

(a) present results to you through the Platform;

(b) send notifications to you under Part F;

(d) support your interactions with our customer service team;

(e) generate De-identified Data under clause 16.12.

17.4 We may use automated processes and algorithmic methods (including statistical and machine-learning techniques) to calculate savings, generate insights and decide what notifications to send. Where an outcome materially affects you (for example, a determination of ineligibility for a Savings Campaign), you may request that we explain our process and (where applicable) review the outcome by contacting us under clause 30.

PART H — Other terms

Universal terms — these apply to everyone who uses any of our Services

18. Third party services and links

18.1 The Services may contain links to, or integrations with, third party websites, applications, products and services (Third Party Services), including Energy Retailers, Telco Providers, payment providers, gift-card issuers, identity verification providers and our CDR data access partner.

18.2 We do not control, endorse or assume responsibility for any Third Party Service. Your use of a Third Party Service is governed by that third party’s own terms and privacy policies.

18.3 Our links to Third Party Services are provided for your convenience and do not imply association, sponsorship or recommendation.

19. Acceptable use

19.1 You must use the Services only for the purposes for which they are provided, and only in accordance with these Terms and applicable laws.

19.2 You must not:

(a) use the Services for any commercial purpose other than as expressly permitted by us;

(b) use the Services in a way that is illegal, fraudulent, misleading, deceptive, abusive, defamatory or harmful;

(c) attempt to gain unauthorised access to any part of the Services, any account that is not yours, or any system or network connected to the Services;

(d) interfere with or disrupt the operation, integrity or security of the Services or attempt to do so;

(e) use any data mining, robot, scraper or similar automated tool to access or extract content from the Services, except as we have expressly authorised;

(f) reverse engineer, decompile or disassemble any part of the Services, except to the extent permitted by law;

(g) transmit any harmful code, virus or malicious software to or through the Services;

(h) provide false or misleading information to us, including in any CDR consent, identification process, application to switch, or claim for benefit under a Savings Campaign;

(i) use the Services in a manner that we reasonably consider inappropriate, abusive or beyond the scope of intended use;

(j) assign or sub-licence your rights under these Terms.

20. User warranties

20.1 You warrant and represent that:

(a) you have the legal capacity, authority and right to enter into these Terms;

(b) all information you provide to us (including in your Account, in CDR consents, in switching applications and in claims under Savings Campaigns) is accurate, complete and current;

(c) you are the named account holder for any energy or telco account in respect of which you use the Services, or you are otherwise authorised to act on that account;

(d) you have the authority of any joint account holder to provide their information and consent where required;

(e) you will notify us promptly of any change in your circumstances that may affect your eligibility or our delivery of the Services to you.

(f) where you provide or authorise us to collect contact details, including Customer Contact Data, we may use those details to create and manage your Account, Active RateGuard Account, CDR consent and service communications in accordance with these Terms, our Privacy Policy and our CDR Policy;

(g) where you activate RateGuard directly or through the One Click Switch CDR service, you understand that RateGuard Monitoring depends on ongoing CDR consent and may stop if that consent expires or is withdrawn;

(h) you will not use the Services to access, monitor or compare an energy account unless you are the account holder or are otherwise authorised to do so.

21. Intellectual property

21.1 All intellectual property in the Services, including the Platform, software, content, layout, design, trade marks (including “BeMoved”, “One Click Switch” and “RateGuard”), branding and Derived CDR Data, is owned by us or our licensors.

21.2 We grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the Services for their intended purpose, subject to these Terms.

21.3 You must not copy, reproduce, modify, distribute, publish, frame, mirror or commercialise any content from the Services without our prior written consent, except as permitted by the Copyright Act 1968 (Cth) or as otherwise expressly permitted by these Terms.

21.4 Your CDR Data is your data. Nothing in this clause 21 transfers ownership of your personal information or CDR Data to us.

22. Disclaimers

22.1 To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied.

22.2 Without limiting clause 22.1, we make no representation or warranty that:

(a) the Services will be uninterrupted, error-free or free from harmful components;

(b) any savings, plan comparison, alert, notification or other content will be accurate, complete or current;

(c) you will be able to connect, disconnect or switch to a particular provider, or that any Energy Retailer or Telco Provider will accept your application;

(d) your actual outcomes will match any estimate or projection we provide;

(e) any CDR data feed will be available, accurate or timely.

22.3 We do not provide financial product advice, tax advice, legal advice or personal advice. Information provided through the Services is general information only.

22.4 Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law that cannot be excluded, restricted or modified by agreement.

23. Limitation of liability

23.1 To the maximum extent permitted by law, we exclude all liability for any indirect, special, consequential, incidental, exemplary or punitive loss or damage, including loss of profits, loss of revenue, loss of opportunity, loss of data or loss of goodwill, however arising (whether under contract, tort including negligence, statute or otherwise) and even if we have been advised of the possibility of such loss or damage.

23.2 Subject to clause 23.3 and to the extent permitted by law, our total liability to you for all claims arising under or in connection with these Terms or your use of the Services is limited, in aggregate, to the greater of:

AUD $100; and
any amount payable to you under an active Savings Campaign at the time the claim arose.

23.3 Where the Australian Consumer Law applies and the relevant goods or services are not of a kind ordinarily acquired for personal, domestic or household use or consumption, our liability for a failure to comply with a consumer guarantee is limited, at our option, to:

(a) the supplying of the services again; or

(b) the payment of the cost of having the services supplied again.

23.4 We are not liable for any loss or damage you suffer as a result of:

(a) any act or omission of an Energy Retailer, Telco Provider, Fiskil, an OSP or any other third party;

(b) the unavailability, delay, error or inaccuracy of any CDR data feed or third party data feed;

(d) your decision to switch, connect, disconnect or not do so, or your selection of an Energy Plan, retailer or provider;

(e) fees, charges or penalties imposed by your existing or new Energy Retailer or Telco Provider;

(f) any cause beyond our reasonable control, including system outages, communication failures, acts of God, industrial action, war, terrorism or governmental action.

24. Indemnity

24.1 You indemnify us and our related bodies corporate, officers, employees, contractors and agents against any direct loss, damage, liability, cost or expense (including reasonable legal costs) that we suffer or incur arising out of or in connection with:

(a) your breach of these Terms;

(b) any fraudulent, dishonest, negligent or unlawful act or omission by you in connection with the Services; or

(c) any false or misleading information provided by you, including in any CDR consent, switching application or campaign claim.

24.2 Your liability under clause 24.1 is reduced to the extent that our (or the relevant indemnified person’s) negligence, wilful misconduct or breach of these Terms contributed to the loss.

25. Complaints

25.1 If you are unhappy with any aspect of the Services, please contact us first using the details in clause 30. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days, or such longer period as may be reasonably required for complex complaints.

25.2 CDR-related complaints. If your complaint relates to the handling of your CDR Data or our compliance with the CDR Rules, and you are not satisfied with the outcome of our internal process, you may escalate to:

(a) Fiskil, as our CDR Representative Principal;

(b) the Office of the Australian Information Commissioner (OAIC); and/or

25.3 Energy and telecommunications complaints. If your complaint relates to the supply of energy or telecommunications, or to the conduct of an Energy Retailer or Telco Provider, please contact that provider in the first instance. If unresolved, you may escalate to:

(a) for energy, the energy ombudsman in your jurisdiction (for example, EWON in NSW, EWOV in Victoria, EWOQ in Queensland, EWOSA in South Australia, the Energy Ombudsman Tasmania, or the ACT Civil and Administrative Tribunal);

(b) for telecommunications, the Telecommunications Industry Ombudsman (TIO).

25.4 Privacy complaints. Privacy-related complaints not involving CDR Data may also be referred to the OAIC under the Privacy Act.

26. Termination

26.1 You may close your Account at any time, including by using the functionality provided through the Platform or by contacting us. Closing your Account ends your use of all Services.

26.2 You may also deactivate or unenrol from a single Service (for example, withdrawing from RateGuard) without closing your Account, by following the deactivation flow we provide for that Service. Where this leaves you with a Dormant Profile for that Service, clause 8 applies.

26.3 We may suspend or terminate your Account or your access to any Service:

(a) immediately, if you breach these Terms (and the breach is material or has not been remedied within a reasonable time of our request);

(b) on reasonable notice, if we cease to provide the relevant part of the Services;

(c) immediately, if we reasonably believe your use of the Services is fraudulent, harmful, unlawful or otherwise creates significant risk to us, our other users or third parties;

(d) immediately, if we are required to do so by law or by a regulator;

(e) on at least 30 days’ written notice for any other reason, subject to your rights to recover any amount we owe you.

26.4 On termination or closure of your Account:

(a) your access to the Services ends;

(b) your CDR Data is dealt with in accordance with clause 16.15 and our CDR Policy;

(c) we may retain information about you to the extent necessary to comply with our legal obligations, resolve disputes, and enforce these Terms;

(d) clauses that by their nature survive termination (including clauses 16 (insofar as it relates to retention and post-consent obligations), 21, 22, 23, 24, 25, 28 and 29) survive termination.

26.5 If your Account is dormant (no activity across any Service) for a continuous period of 12 months, we may close your Account by giving you reasonable prior notice.

27. Notices

27.1 We may give you notices through the Services, by email to the address associated with your Account, or by another means reasonably designed to bring the notice to your attention.

27.2 You may give us notice in writing to the contact details in clause 30.

27.3 Notices are taken to be received: if given electronically, when sent (unless the sender receives a bounce or undeliverable response); if delivered by hand, on delivery; and if sent by pre-paid post, five business days after posting.

27.4 You may close your Account, delete a Dormant Profile, pause RateGuard, withdraw CDR consent or stop using the Services at any time using the functionality in the Platform or by contacting us.

27.5 If you withdraw CDR consent or close your Active RateGuard Account, RateGuard Monitoring will stop and we will delete your CDR Data in accordance with Part G and our CDR Policy, subject to any records we are required or permitted by law to retain.

27.6 Closing your Account, deleting a Dormant Profile, pausing RateGuard or withdrawing CDR consent does not affect:

any switch, connection or disconnection application already submitted to an Energy Retailer or Telco Provider;
any rights or obligations that have already arisen under a Savings Campaign;
any information we are required or permitted by law to retain;
any rights or remedies either party has accrued before closure or termination.

27.7 We may suspend or terminate your access to all or part of the Services if we reasonably believe that you have breached these Terms, misused the Services, provided false or misleading information, created a security or compliance risk, or used the Services in a way that may prejudice another person, an Energy Retailer, a Telco Provider, Fiskil or us.

27.8 We may also suspend or discontinue all or part of the Services where required for maintenance, security, product availability, commercial, technical, legal or compliance reasons. Where practicable, we will take reasonable steps to notify affected users.

28. General

28.1 Entire agreement. These Terms (together with the Privacy Policy, the CDR Policy and any product-specific or campaign-specific terms) constitute the entire agreement between you and us in relation to the Services.

28.2 Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision is to be read down to the extent necessary, or severed, without affecting the remainder of these Terms.

28.3 Waiver. A failure or delay by us in exercising a right under these Terms does not operate as a waiver of that right.

28.4 Assignment. You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations to a related body corporate or in connection with a sale or restructure of our business, subject to your rights under applicable consumer and privacy law.

28.5 No partnership. These Terms do not create a partnership, joint venture, agency or employment relationship between you and us.

28.6 Governing law. These Terms are governed by the laws of New South Wales, Australia. Each party submits to the non-exclusive jurisdiction of the courts of New South Wales.

28.7 Force majeure. Neither party is liable for any delay or failure to perform an obligation under these Terms (other than an obligation to pay money) caused by an event beyond that party’s reasonable control.

28.8 Interpretation. No provision of these Terms is to be interpreted adversely to a party merely because that party (or its representative) drafted the provision.

29. Order of precedence

29.1 Where these Terms include product-specific Parts and a universal Part, and the universal Part is inconsistent with a product-specific Part in respect of that product, the product-specific Part prevails for that product.

29.2 Where a specific Savings Campaign’s terms are inconsistent with these Terms in respect of that campaign, the campaign-specific terms prevail for that campaign.

29.3 Where these Terms are inconsistent with the CDR Policy in respect of CDR Data, the CDR Policy prevails.

30. Contact us

If you have any questions, requests or complaints about these Terms, the Services, or your CDR Data, please contact us:

BeMoved Pty Ltd

ABN 37 649 325 940

Address: Level 8, 2 Bligh St, Sydney NSW 2000

Phone: 1300 661 464

General contact: contact@bemoved.com.au

Privacy and CDR contact: privacy@bemoved.com.au

Document version: 2.0

Last updated: 28th May 2026

Related documents: Privacy Policy; CDR Policy.