Terms & Conditions

About these terms

These Terms and Conditions ("Terms") govern your use of the Cleer Money mobile application ("the App"), operated by Isaac Talbot, a sole trader 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 budget targets.

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 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 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

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 trial

Where a free trial is offered, you will not be charged until the trial period ends. Cancel at any time before the trial ends to avoid being charged.

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

Subscription refunds are handled by Apple in accordance with their refund policy. We do not have control over or direct access to refund decisions made by Apple.

Price changes

We may change subscription pricing with reasonable notice. Continued use after a price change constitutes acceptance of the new price.

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

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.

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, we are required to do so by law, or we discontinue the App. Where possible, we will provide reasonable notice of any discontinuation.

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.