Refund Policy

This Refund Policy adopts the defined terms in the Privacy Policy.

1. Overview

This Refund Policy applies to paid SpendShift personalised reports purchased through www.spendshift.com.au.

It includes a voluntary 30-day money-back guarantee. This guarantee is additional to, and does not limit, any rights or remedies available under the Australian Consumer Law.

2. 30-day money-back guarantee

You may request a refund within 30 calendar days after the purchase date if you are not satisfied with the paid report or you reasonably believe it did not identify a useful potential saving or practical action for you.

To request a refund, email info@spendshift.com.au and include:

• the email address used at checkout;
• the purchase date or Stripe receipt details;
• the saved report URL, if available; and
• a brief explanation of why you are requesting the refund, so we can verify and improve the Service.

You do not need to provide bank statements or sensitive financial documents to use the voluntary guarantee.

3. Refund assessment

We will assess requests reasonably and in good faith. We may ask for information needed to locate the transaction, confirm identity, prevent fraud or understand the issue.

The voluntary guarantee is generally limited to one refund per person, payment method or substantially identical audit within a reasonable period, unless consumer law requires otherwise.

A request made more than 30 calendar days after purchase is not covered by the voluntary guarantee, but we will still consider any rights you may have under the Australian Consumer Law.

4. Australian Consumer Law

Our services come with consumer guarantees that cannot be excluded under the Australian Consumer Law. If the Service has a major failure, you may be entitled to cancel and obtain a refund. For a minor failure, we may be entitled to remedy the problem within a reasonable time.

Nothing in this Policy excludes, restricts or modifies a right, guarantee or remedy that cannot lawfully be excluded.

5. Processing approved refunds

Approved refunds will generally be returned to the original payment method through Stripe. Processing times depend on Stripe, your bank, card issuer and payment method.

We refund the amount paid to SpendShift. We are not responsible for separate bank, card, currency-conversion, internet or other third-party charges unless required by law.

After a refund, we may disable the saved report URL and delete or restrict access to the report, subject to legal and record-keeping requirements.

6. Chargebacks

Please contact us before initiating a payment dispute so we have a reasonable opportunity to resolve the issue. This does not prevent you from exercising lawful rights through your bank, card issuer or payment provider.

7. Contact

Email: info@spendshift.com.au

Last updated: 14 July 2026