Legal

Terms of Service

Last updated: 23 February 2026 · Version 1.0

These Terms of Service (“Terms”) govern your access to and use of the FinEase platform (“Service”), operated by FinEase Pty Ltd (ABN 70 688 255 941) (“we”, “us”, “our”). By accessing or using the Service, you agree to be bound by these Terms.

1. Definitions

  • “Account” means your registered account on the Service.
  • “Customer Data” means all data uploaded, entered, or processed through the Service by you or your end users.
  • “Authorised User” means any individual you authorise to access the Service under your Account.
  • “Subscription” means the paid plan you have selected for the Service.
  • “Applicable Law” means all laws, regulations, and codes applicable in Australia, including the National Consumer Credit Protection Act 2009 (Cth), the Privacy Act 1988 (Cth), and the Australian Consumer Law.

2. Eligibility and Account Registration

The Service is available to Australian Credit Licence holders, their authorised representatives, and other entities involved in the administration of financial hardship obligations. You represent that you have the authority to bind the entity on whose behalf you register.

You must provide accurate and complete information during registration. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your Account.

3. Use of the Service

3.1 Permitted Use

You may use the Service solely for managing financial hardship applications, customer communications, assessments, compliance tracking, and related business operations in accordance with Applicable Law.

3.2 Restrictions

You must not:

  • Use the Service for any unlawful purpose or in violation of Applicable Law;
  • Attempt to reverse engineer, decompile, or disassemble the Service;
  • Interfere with or disrupt the integrity or performance of the Service;
  • Access the Service using automated means (bots, scrapers) without our written consent;
  • Sublicense, resell, or distribute access to the Service to third parties;
  • Upload or transmit malicious code, viruses, or harmful content.

4. Subscriptions and Payment

4.1 Plans

The Service is offered on a subscription basis. Plan details, features, and pricing are set out on our website and may be updated from time to time with 30 days’ notice.

4.2 Billing

Subscriptions are billed monthly or annually in advance in Australian Dollars (AUD). All fees are exclusive of GST unless stated otherwise. Overdue payments accrue interest at 1.5% per month.

4.3 Refunds

Fees are non-refundable except where required by Australian Consumer Law. If you cancel mid-cycle, you retain access until the end of the current billing period.

5. Customer Data

5.1 Ownership

You retain all rights in your Customer Data. We do not claim ownership of any data you upload or process through the Service.

5.2 Licence

You grant us a limited licence to store, process, and display your Customer Data solely for the purpose of providing the Service to you.

5.3 Data Processing

Where we process personal information on your behalf, the terms of our Data Processing Agreement apply.

6. Intellectual Property

All intellectual property in the Service remains our property or that of our licensors. These Terms do not grant you any rights to our intellectual property except the limited right to use the Service as described herein.

7. Confidentiality

Each party agrees to keep confidential any non-public information received from the other party in connection with the Service. This obligation survives termination for 3 years.

8. Service Availability and Support

8.1 Availability

We target 99.5% monthly uptime as detailed in our Service Level Agreement. Scheduled maintenance windows are excluded from uptime calculations.

8.2 Support

Support is provided via email during Australian business hours (9am–5pm AEST, Monday–Friday).

9. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages. Our total aggregate liability is limited to the fees paid by you in the 12 months preceding the claim.

10. Term and Termination

These Terms commence when you create an Account and continue until terminated by either party. Upon termination, we will make your Customer Data available for export for 30 days, after which it will be permanently deleted.

11. Privacy

We collect and process personal information in accordance with our Privacy Policy.

12. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes at least 30 days before they take effect via email or in-app notification.

13. Governing Law

These Terms are governed by the laws of New South Wales, Australia.

14. Contact