Legal
Terms of Service
About these terms
These Terms of Service ("Terms") govern your use of the Cleer Money mobile application ("the App"), operated by Cleer Co Pty Ltd (ACN 699 655 948), trading as Cleer Money ("we", "us", "our").
By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.
These Terms are governed by the laws of Queensland, Australia. Nothing in these Terms limits or excludes rights you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or other applicable Australian law.
Who can use Cleer Money
To use Cleer Money, you must:
- Be 18 years of age or older
- Be an Australian resident (the App is currently available in Australia only)
- Have the legal capacity to enter into a binding agreement
- Not be prohibited from using the App under any applicable law
What Cleer Money is and isn't
Cleer Money is a personal finance tool that helps you understand and categorise your spending. The App lets you connect your Australian bank accounts via Open Banking (CDR), view and categorise transactions as "Want" or "Need", and track spending patterns and budgets.
Cleer Money is a financial management tool, not a financial advice service. Nothing in the App constitutes financial, investment, legal, or tax advice. We are not a licensed financial adviser under the Corporations Act 2001 (Cth). Any budgets, projections or insights are generated by algorithms from your own data and do not account for your full financial situation. Seek independent professional advice before making financial decisions.
While we take reasonable steps to ensure data is accurate, transaction data is retrieved from third-party banking infrastructure. We do not warrant that all data displayed is complete, accurate, or current. Do not rely solely on Cleer Money for financial record-keeping.
Account registration
You must create an account to use the App. You agree to:
- Provide accurate and complete information when registering
- Keep your login credentials confidential
- Notify us immediately at support@cleermoney.com.au if you suspect unauthorised access
- Take responsibility for all activity that occurs under your account
We reserve the right to suspend or terminate accounts that provide false information or breach these Terms.
Bank connections & CDR
The App connects to your bank accounts using Australia's Consumer Data Right (CDR) framework. By initiating a bank connection, you:
- Authorise Cleer Money and our CDR-accredited partner (Fiskil Pty Ltd) to retrieve your banking data in accordance with your consent
- Acknowledge you can withdraw consent at any time within the App, via Fiskil's consent dashboard, or via your bank's CDR dashboard
- Understand that Cleer Money does not store your internet banking login credentials
- Accept that transaction data may be subject to delay and may not reflect real-time balances
Cleer Money operates as a CDR Representative of Fiskil Pty Ltd, and Fiskil's CDR Policy is the operative policy governing CDR data under this arrangement. Our CDR Information page explains how the arrangement works, including that CDR data is permanently deleted immediately when consent ends.
Subscriptions & payments
Cleer Pro
Access to premium features ("Cleer Pro") requires a paid subscription. Current pricing is displayed in the App and the App Store at the time of purchase.
Billing
All subscriptions are processed by Apple Inc. through the App Store. By subscribing, you also agree to Apple's Terms of Service. We do not collect or store your payment card details.
Free version
Cleer Money offers a free tier ("Cleer Lite") with no payment required. Upgrading to Cleer Pro is optional and can be done at any time from within the App.
Auto-renewal & cancellation
Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the renewal date. Manage or cancel via your Apple ID account settings.
Refunds
Day-to-day subscription refunds (for example, change-of-mind requests) are handled by Apple in accordance with their refund policy, because Apple processes your payment. We do not have direct access to those decisions.
Separately, if we discontinue Cleer Pro or stop providing the paid features while you have already paid for a period that has not finished, we will refund the unused portion of your subscription on a pro-rata basis. This is set out in "If we discontinue the App or Cleer Pro" below. Nothing in these Terms limits your rights under the Australian Consumer Law, including your right to a remedy where a paid service is not supplied.
Price changes
We may change subscription pricing with reasonable notice. Continued use after a price change constitutes acceptance of the new price.
Partner offers & commissions
From time to time, the App may surface offers from third-party partners that we believe may be relevant to you.
We may receive a commission when you take up a partner offer surfaced in the app.
Partner offers are optional, clearly identified, and never a condition of using the App. Any commission we receive does not change the price you pay. A partner offer is not a recommendation or financial advice; assess any product on its own merits before taking it up.
Acceptable use
You agree not to use the App to:
- Violate any applicable law or regulation
- Provide false, misleading, or fraudulent information
- Attempt to gain unauthorised access to any system, network, or data
- Reverse engineer, decompile, or disassemble any part of the App
- Use automated tools, bots, or scrapers to access the App
We reserve the right to suspend or terminate your account if you violate these Terms.
Intellectual property
The App, including all content, design, software, logos, and trademarks, is owned by or licensed to us. Nothing in these Terms grants you any right to use our intellectual property except as expressly permitted. You may not copy, reproduce, distribute, or create derivative works from any part of the App without our prior written consent.
Disclaimers & liability
Disclaimer of warranties
To the extent permitted by law, the App is provided on an "as is" and "as available" basis, without warranties of any kind. Nothing in this clause limits any guarantee that cannot be excluded under the Australian Consumer Law.
Limitation of liability
To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the App. Our total liability for any claim will not exceed the amount you paid for your subscription in the 12 months preceding the claim.
Where the Australian Consumer Law applies and cannot be excluded, our liability is limited to resupply of the services or payment of the cost of resupply, at our option.
Termination & changes
By you
You may stop using the App at any time and delete your account through the App settings. Cancelling your subscription does not automatically delete your account.
By us
We may suspend or terminate your access if you breach these Terms or we are required to do so by law.
If we discontinue the App or Cleer Pro
We may decide to discontinue the App, or the Cleer Pro subscription, at any time. If we do, we will give you at least 30 days' notice by email or in-app message, except where a shorter period is required by law or by circumstances beyond our reasonable control (for example, a regulatory direction or the loss of an essential third-party service).
If we discontinue Cleer Pro, or permanently stop providing the paid features you subscribed to, while you have paid in advance for a period that has not yet finished (such as an annual plan), you are entitled to a pro-rata refund of the unused portion. We will provide this refund directly or arrange it through Apple. This reflects the Australian Consumer Law position: we cannot stop supplying a paid service and keep the money for the part you have not received.
Changes to these terms
We may modify these Terms at any time. We will notify you of material changes via the App or email. The current version will always be at cleermoney.com.au/terms. Continued use after changes constitutes acceptance.
App Store requirements
As required by Apple Inc.:
- These Terms are between you and Cleer Money only, not Apple.
- Apple has no obligation to provide maintenance or support for the App.
- Apple is not responsible for product liability, consumer protection, or intellectual property claims relating to the App.
- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
Governing law
These Terms are governed by the laws of Queensland, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Queensland, unless otherwise required by applicable Australian consumer protection law.
Get in touch
Questions or support?
Cleer Co Pty Ltd · ACN 699 655 948 · trading as Cleer Money · Maroochydore QLD 4558, Australia