Terms and Conditions

These Terms and Conditions adopt the defined terms in the Privacy Policy.

1. Acceptance of these Terms

These Website Terms and Conditions (“Terms”) govern access to and use of www.spendshift.com.au, the free audit, free results, paid personalised reports, saved report URLs and related services (“Service”).

The Service is operated by SpendShift Enterprises Pty Ltd ACN 689 089 610 (“SpendShift”, “we”, “us” or “our”). By accessing or using the Service, you agree to these Terms and our Privacy Policy, Cookie Policy, Refund Policy and Financial Information and AI Disclaimer.

If you do not agree, do not use the Service. If you purchase the Service on behalf of another person or organisation, you confirm that you are authorised to bind them to these Terms.

2. Eligibility

You must be at least 18 years old and legally capable of entering a binding contract to use or purchase the Service.

The Service is designed primarily for Australian consumers. If you access it from outside Australia, you are responsible for complying with local law.

3. What SpendShift provides

SpendShift provides a questionnaire-based spending audit and, where purchased, an AI-assisted personalised report containing estimated savings opportunities, explanations, quick wins, suggested next steps, scripts, a 30-day action plan and related general information.

The paid report is a digital service delivered electronically and may be made available immediately after payment through a saved report URL and by email.

4. Important limitations

SpendShift does not access bank account(s) and does not independently verify audit answers, actual transactions, income, expenses, debts, contracts, insurance policies, telecommunications plan, subscriptions or personal circumstances.

The quality and relevance of the output depends on the completeness and accuracy of the information provided. Savings figures are estimates based on reported habits, assumptions, typical spending patterns, category averages and conservative reduction targets. They are not guaranteed.

The Service provides general educational information and practical prompts. It is not personal financial product advice, legal advice, tax advice, accounting advice, credit assistance, insurance advice or a substitute for professional advice.

5. Your responsibilities

You agree that you will:

• provide information that is accurate, current and not misleading;
• use the Service only for lawful personal purposes;
• review the report critically and verify any price, provider, plan, contract term, cancellation consequence, fee, saving or recommendation before acting;
• obtain professional advice where your circumstances require it;
• not provide information about another person unless you are authorised to do so;
• protect your email account and saved report URL from unauthorised access;
• not copy, scrape, reverse engineer, interfere with, overload, probe, test or attempt to bypass the security of the Service;
• not use bots, automated tools or bulk requests without our written permission;
• not upload or transmit malware, unlawful material or content that infringes another person’s rights; and
• not use SpendShift outputs to mislead, defraud, harass or cause harm.

6. AI-generated and automated content

The Service uses Anthropic’s Claude Application Programming Interface (“API”) and automated logic. AI-generated content may be incomplete, inaccurate, outdated, repetitive, inconsistent or unsuitable for your circumstances.

You remain responsible for decisions made using the report. You should not act solely on an AI-generated statement where the decision could materially affect your finances, legal rights, insurance, credit, tax position, health or safety.

We may modify prompts, models, calculation logic, assumptions, report structure and providers at any time to improve or maintain the Service.

7. Price, GST and payment

The current price for a paid personalised report is AUD $39. Prices for SpendShift Services may be subject to change at the discretion of SpendShift. Prices are inclusive of GST where GST is legally applicable, unless clearly stated otherwise.

Payment is processed by Stripe through a hosted checkout. Available payment methods may include bank cards and Apple Pay. You authorise Stripe and the relevant payment provider to charge the amount shown at checkout (inclusive of GST).

SpendShift does not receive or store full card details. Stripe may perform verification, fraud screening or other checks. A purchase is not complete until payment is confirmed.

You are responsible for any bank, card issuer, foreign-exchange, internet or device fees and charges imposed by external third parties.

8. Digital delivery and report access

After successful payment, we will generate or unlock the report and email a link to the email address associated with the transaction. Delivery times may vary due to payment verification, AI processing, internet connectivity, maintenance or third-party outages.

Each report may be stored and accessed using a unique saved report URL. No login is required. Anyone with the URL may be able to view the report. SpendShift is not responsible for any external or third-party access of the report once the unique URL has been provided to you.

We may suspend or disable report access where reasonably necessary for security, suspected fraud, unlawful use, system maintenance, legal compliance or protection of our rights.

9. Refunds and consumer guarantees

Our voluntary 30-day money-back guarantee and refund process are described in the Refund Policy, which forms part of these Terms.

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded under the Australian Consumer Law or another applicable law.

10. Intellectual property

The website, software, branding, questionnaires, report structure, calculations, prompts, text, graphics, icons, layouts, databases and other materials supplied by SpendShift are owned by or licensed to us and are protected by intellectual-property laws.

Subject to payment and compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable and revocable licence to access and use your report for your own private, non-commercial purposes.

You must not, without our prior written permission:

• reproduce, republish, sell, sublicense, distribute or commercially exploit the Service or a report;
• create a competing product or service using our content, structure, prompts, calculations or outputs;
• remove copyright, trademark or proprietary notices;
• frame, mirror or embed substantial parts of the Service on another website; or
• use SpendShift branding in a way that suggests sponsorship, endorsement or affiliation.

You retain ownership of information you submit. You grant us a non-exclusive licence to use, process, store and disclose that information as reasonably necessary to provide, secure, improve and administer the Service in accordance with our Privacy Policy.

11. Third-party services and links

The Service relies on third parties, including Anthropic, Stripe, Apple Pay, Supabase, Resend, Vercel and Google Analytics. It may also link to comparison sites, providers, banks, telecommunications companies, insurers or other third parties.

We do not control and are not responsible for third-party availability, security, terms, prices, eligibility rules, products, advice, representations or conduct. A reference or link does not mean we endorse or guarantee the third party.

12. Availability, changes and discontinuation

We aim to provide a reliable Service but do not guarantee that it will always be available, uninterrupted, secure or error-free.

We may update, suspend, withdraw, replace or discontinue any part of the Service, including features, pricing, providers, report format and storage arrangements. Where practical, changes that materially affect existing paid access will be communicated or managed reasonably.

13. Disclaimers

To the maximum extent permitted by law, the Service is provided on an “as available” basis. We do not warrant that every report will identify all possible savings, that an identified saving is achievable, or that a provider will offer, honour or maintain any price or discount.

We do not warrant that the Service is suitable for any particular purpose unless you have expressly disclosed that purpose to us and we have accepted it in writing.

14. Limitation of liability

Nothing in this clause limits liability that cannot lawfully be limited, including liability under the Australian Consumer Law.

To the maximum extent permitted by law, SpendShift is not liable for indirect, incidental, special or consequential loss, loss of profit, loss of opportunity, loss of data, reputational loss, or loss arising from a decision made in reliance on an estimate, AI-generated statement or third-party service.

To the maximum extent permitted by law, our aggregate liability arising from a particular paid report will not exceed the amount you paid for that report. This cap does not apply where it would be unlawful or where loss results from fraud, wilful misconduct or another liability that cannot be excluded.

15. Indemnity

To the extent permitted by law, you indemnify us against loss, damage, liability and reasonable costs arising from your unlawful use of the Service, breach of these Terms, infringement of another person’s rights, or unauthorised disclosure of a report URL, except to the extent caused by our negligence, breach of law or misconduct.

16. Privacy and data

Our collection, use, storage and disclosure of personal information are described in the Privacy Policy. By using the Service, you acknowledge that audit answers may be sent to an overseas AI provider and that reports and associated information may be stored using third-party infrastructure.

17. Suspension and termination

We may suspend or terminate your access to the Service if we reasonably believe you have breached these Terms, engaged in fraud or misuse, created a security risk, infringed rights, or used the Service unlawfully.

Termination does not affect accrued rights, payment obligations, intellectual-property rights, disclaimers, liability provisions or any clause intended to survive termination.

18. Electronic communications

You consent to receiving transactional communications electronically, including purchase confirmations, report links, service notices and responses to support or legal requests. You are responsible for providing a valid email address and checking spam or junk folders.

19. Changes to these Terms

We may update these Terms by publishing the revised version on the website. Changes apply from the stated date of commencement. Your continued use of the Service after that date constitutes acceptance of the revised Terms, except where further consent is required by law.

20. General

If part of these Terms is invalid or unenforceable, it will be read down to the minimum extent necessary or severed, and the remainder will continue.

A failure or delay in enforcing a right is not a waiver. You may not assign your rights under these Terms without our consent. We may assign or transfer our rights and obligations as part of a business sale, restructure or service transfer.

These Terms, together with the incorporated policies, form the entire agreement concerning the Service, except for rights that cannot be excluded by law.

21. Governing law and jurisdiction

These Terms shall be governed by, and construed in accordance with, the laws of New South Wales. Each party irrevocably agrees that the courts of New South Wales shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with these Terms.

22. Contact

SpendShift Enterprises Pty Ltd
ACN 689 089 610
Address: 2 Blackwoods Road, Nobbys Creek NSW, Australia
Email: info@spendshift.com.au
Website: www.spendshift.com.au

Last updated: 14 July 2026