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Terms of Service

FundFlow Group Pty Ltd ABN 36 694 667 386 Version: 2.1 Last Updated: 10 September 2026

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and FundFlow Group Pty Ltd (ABN 36 694 667 386) ("FundFlow", "we", "us", or "our") governing your access to and use of the FundFlow mobile application (the "App") and related services (collectively, the "Service").

The Service is offered to users in the United States, Canada, and Australia. By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

2. Eligibility

To use FundFlow, you must:

  • Be at least 18 years of age (or the age of majority in your jurisdiction)
  • Be a resident of the United States, Canada, or Australia
  • Have the legal capacity to enter into a binding agreement
  • Not be prohibited from using the Service under applicable law, and not be located in a country subject to Australian, U.S. or Canadian sanctions or embargoes, or on any government prohibited-parties list
  • Provide accurate and complete registration information

By using the Service, you represent and warrant that you meet these eligibility requirements.

3. Description of Service

FundFlow is a personal finance application that helps you:

  • Connect to your bank accounts through a regulated third-party provider (Plaid in the United States and Canada, or Fiskil in Australia)
  • View and organize your financial transactions
  • Categorize spending using customizable category hierarchies
  • Track balances across multiple accounts and currencies
  • Gain insights into your spending patterns, including AI-generated categorizations and summaries

FundFlow is a financial organization tool, not a financial advisor. We do not provide financial, investment, tax, or legal advice. Any insights, categorizations, or summaries provided by the App, including those generated using artificial intelligence, are for informational purposes only and may contain errors. You are responsible for your own financial decisions.

4. Account Registration and Security

4.1 Account Creation

To access the Service, you must create an account by providing a valid email address and a secure password, or by signing in with a supported third-party provider (Google or Apple).

4.2 Account Security

You are responsible for:

  • Maintaining the confidentiality of your login credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access at support@fundflow.dev

4.3 Account Accuracy

You agree to provide accurate, current, and complete information and to update this information to maintain its accuracy.

5. Bank Connections

5.1 Which Provider Serves You

FundFlow connects to your financial institutions through one of two regulated providers, chosen by the country of the bank you connect:

  • Plaid for banks in the United States and Canada. When you connect, you authorize Plaid to access your financial data on your behalf, and you agree to Plaid's end-user terms and privacy policy.
  • Fiskil for banks in Australia. Fiskil is accredited under Australia's Consumer Data Right. You give your consent to FundFlow on screens Fiskil presents for us, and you agree to Fiskil's terms and its CDR policy for that connection.

5.2 Open Banking in Australia

For an Australian connection, Fiskil is the accredited party your bank shares your data with. FundFlow acts as Fiskil's CDR representative. This means:

  • Your consent lasts twelve months unless you end it sooner. The App warns you from 30 days out, and sends up to two reminders, and you can renew it in the App.
  • You can see and end your consent at any time from the connection screen in the App.
  • When a consent ends, we delete the data behind it. This happens whether it expired or you ended it, and it happens without a grace period. Section 4.3 of our Privacy Policy sets out exactly what is deleted, and it includes insights we generated across your whole account.
  • Access is read only. FundFlow cannot make a payment, move funds, or change anything at your bank.

5.3 Credential Handling

Your bank login credentials are entered with your bank or with the provider, never with FundFlow. We do not store, access, or transmit your bank passwords.

5.4 Your Responsibilities

By connecting bank accounts, you represent that:

  • You are authorized to access those accounts
  • You consent to the terms of service and privacy policy of the provider that serves your connection
  • You understand that data sync depends on your bank's availability and the provider's services

5.5 Data Accuracy

While we strive to display accurate financial data, we cannot guarantee real-time accuracy of balances or transactions, completeness of transaction history, or availability of all account types or features. You should always verify important financial information directly with your financial institution.

6. Acceptable Use

6.1 Permitted Use

You may use the Service only for lawful, personal, non-commercial purposes in accordance with these Terms.

6.2 Prohibited Conduct

You agree NOT to:

  • Use the Service for any illegal purpose
  • Access accounts you are not authorized to access
  • Attempt to reverse engineer, decompile, or hack the Service
  • Interfere with the security or integrity of the Service
  • Use automated systems (bots, scrapers) to access the Service
  • Share your account credentials with others
  • Misrepresent your identity or affiliation
  • Violate the rights of others, including privacy and intellectual property rights
  • Use the Service to harm, threaten, or harass others
  • Transmit malware, viruses, or other harmful code

6.3 Enforcement

We reserve the right to investigate and take appropriate action against violations, including suspending or terminating your account and reporting to law enforcement.

7. Intellectual Property

7.1 Our Rights

The Service, including its design, features, content, trademarks, and underlying technology, is owned by FundFlow and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

7.2 Your Data

You retain ownership of your personal and financial data. By using the Service, you grant us a limited license to use, process, store, and display your data, including by transmitting relevant data to our service providers and AI providers as described in our Privacy Policy, solely to provide and improve the Service.

7.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us the right to use them without obligation or compensation to you.

8. Privacy

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our data practices as described in the Privacy Policy.

9. Subscriptions, Fees, and the Apple App Store

9.1 Paid Subscriptions

FundFlow is offered as a paid monthly subscription, which may be preceded by a free trial. The subscription price and billing terms are presented to you in the App before you purchase, in your own currency and including any GST, VAT or sales tax that applies where you live. By starting a subscription, you agree to the price and billing terms shown at the time of purchase.

9.2 Free Trial

If we offer a free trial, your access converts to a paid subscription at the end of the trial unless you cancel before the trial ends. We will make the trial terms clear before you begin. The specifics of any trial (length, when it begins, and whether payment details are required) are described in the App.

9.3 Billing Through Apple

Subscriptions are sold and billed through Apple's in-app purchase system. Payment is charged to your Apple ID account at confirmation of purchase. FundFlow does not collect or process your payment-card details; all payment is handled by Apple under your agreement with Apple.

9.4 Auto-Renewal and Cancellation

Subscriptions automatically renew unless you cancel at least 24 hours before the end of the current period. Your Apple ID account is charged for renewal within 24 hours before the end of the current period at the then-current price for the selected plan. You can manage or cancel your subscription, and turn off auto-renewal, in your Apple ID account settings. Deleting the App does not cancel your subscription.

9.5 Refunds

Payments are generally non-refundable except as required by law or by Apple's policies. Because billing is handled by Apple, refund requests are subject to Apple's processes; you may request a refund through Apple.

9.6 Price Changes

We may change subscription prices. We will give you advance notice as required by applicable law and by Apple, and price changes will not take effect until your next billing period. If you do not agree to a price change, you may cancel before it takes effect.

9.7 Third-Party Fees

You are responsible for any fees charged by your financial institutions, mobile carrier, or internet provider related to your use of the Service.

9.8 Apple App Store Terms

You acknowledge and agree that:

  • These Terms are concluded between you and FundFlow only, and not with Apple. Apple is not responsible for the App or its content.
  • Apple has no obligation to furnish any maintenance or support services for the App.
  • In the event the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) for the App; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
  • Apple is not responsible for addressing any claims you or any third party may have relating to the App, including product-liability claims, claims that the App fails to conform to any legal or regulatory requirement, and claims arising under consumer-protection or similar legislation.
  • Apple is not responsible for the investigation, defense, settlement, or discharge of any third-party claim that the App or your use of it infringes that third party's intellectual property rights.
  • You represent that you are not located in a country subject to a U.S. Government embargo, or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
  • Scope of licence. We grant you a limited, non-transferable licence to use the App on any Apple-branded product that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, including the Family Sharing provisions of those Usage Rules.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

10. Disclaimers

10.0 Consumer Guarantees Come First

Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you have under a law that cannot be excluded by agreement. This applies to the whole agreement, not only to this Section. In particular:

  • Australia. Our services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts or modifies those guarantees, or your right to a remedy for a failure to comply with one, and any part of these Terms that would have that effect does not apply to you.
  • Elsewhere. Nothing in these Terms limits any right you have that cannot be waived under the consumer-protection law where you live.

Every other clause in these Terms is read subject to this one.

10.1 "As Is" Basis

Subject to Section 10.0, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

10.2 No Financial Advice

FundFlow does not provide financial, investment, tax, or legal advice. The categorizations, insights, and information provided by the Service, including AI-generated content, are for informational purposes only. You should consult qualified professionals for financial decisions.

10.3 Third-Party Services

We are not responsible for the availability, accuracy, or conduct of third-party services, including Plaid, Fiskil, your financial institutions, AI providers, or any linked services.

10.4 Data Accuracy

We do not guarantee the accuracy, completeness, or timeliness of financial data displayed in the App. Always verify important information with your financial institution.

10.5 Service Availability

We do not guarantee uninterrupted, secure, or error-free operation of the Service. The Service may be unavailable due to maintenance, updates, or circumstances beyond our control.

11. Limitation of Liability

This whole section is subject to Section 10.0. Where a law that cannot be excluded gives you a right or a remedy, that right or remedy is unaffected by anything here, and the cap in Section 11.2 does not apply to it.

11.1 Exclusion of Damages

Subject to Section 10.0 and to the maximum extent permitted by law, FundFlow and its directors, employees, agents and affiliates are not liable for indirect, incidental, special, consequential or punitive damages, including loss of profits or goodwill.

This does not exclude our liability for direct loss we cause you. In particular, it does not exclude liability for unauthorized access to your data caused by our failure to keep it secure.

We are not responsible for a loss caused by a third party we do not control, including your bank, your bank data provider, or a network or store operator.

11.2 Liability Cap

Subject to Section 10.0 and to the maximum extent permitted by law, our total liability for any claim arising from or related to these Terms or the Service does not exceed the greater of:

  • The amount charged for your subscription in the 12 months preceding the claim, or
  • USD $100

This cap does not apply to liability that cannot be capped by agreement, including liability for a failure to comply with a consumer guarantee under the Australian Consumer Law. It also does not apply to liability for fraud, for death or personal injury caused by our negligence, or for a failure to keep your personal information secure.

11.3 Essential Purpose

Subject to Section 10.0, these limitations apply even if any remedy fails of its essential purpose.

11.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify FundFlow and its directors, officers, employees, agents and affiliates against claims, damages, losses, liabilities, costs and expenses (including reasonable legal fees) to the extent they are caused by your material breach of these Terms, your infringement of a third party's rights, your breach of an applicable law, or your use of the Service to access an account you were not authorized to access. Your liability under this indemnity is capped at the same figure as Section 11.2, except where the claim arises from your fraud or your deliberate unlawful conduct.

This indemnity does not apply to the extent the loss was caused by us, and it does not apply at all to a loss you did not cause. Nothing in it makes you responsible for our own acts or omissions.

13. Term and Termination

13.1 Term

These Terms remain in effect until terminated by you or us.

13.2 Termination by You

You may terminate your account at any time by deleting your account through the App or contacting us at support@fundflow.dev. Terminating your account does not by itself cancel a subscription billed through Apple; cancel auto-renewal in your Apple ID settings (see Section 9.4).

13.3 Termination by Us

We may suspend or terminate your account for a reason, and the reasons are: you have materially breached these Terms; we are required to do so by law; we are discontinuing the Service; or your conduct is harming, or on reasonable grounds is about to harm, FundFlow, another user, or a third party.

Except where the breach or the harm makes it unreasonable to wait, we will tell you first and give you a fair chance to put it right. If we terminate your account for any reason other than your breach or your harmful conduct, we will refund the unused part of any subscription period you have paid for. Because Apple bills you, we will either ask Apple to make that refund on your behalf or pay you directly, and we will tell you which.

13.4 Effect of Termination

Upon termination, we disconnect your bank connections and end any open-banking consent, and we delete your data in accordance with Section 8 of our Privacy Policy. If you deleted your own account, you keep access for the 7-day grace period described there and may cancel within it. If we terminated your account, your right to use the Service ceases immediately. Provisions that by their nature should survive will remain in effect (including Sections 7, 10, 11, 12, 15, and 16).

14. Modifications to the Service and Terms

14.1 Service Changes

We improve and change the Service regularly, and small changes happen without notice. If we remove or materially reduce a feature you are paying for, or discontinue the Service, we will give you reasonable advance notice, and you may cancel your subscription and ask us to refund the unused part of the period you have paid for. Because Apple bills you, we will either ask Apple to make that refund on your behalf or pay you directly. We are not liable for changes beyond that, except as required by law.

14.2 Terms Changes

We may update these Terms from time to time. When we make a material change we will give you reasonable advance notice by email or in-app notification, update the "Last Updated" date and the version number, and tell you when the change takes effect. If you do not agree, you may cancel before it takes effect and ask us to refund the unused part of the period you have paid for, on the same basis as Section 14.1. Continuing to use the Service after the change takes effect means you accept it. A change never applies retrospectively to something that already happened.

15. Dispute Resolution and Governing Law

15.1 Informal Resolution

Before initiating any formal dispute, you agree to contact us at support@fundflow.dev and attempt to resolve the dispute informally for at least 30 days.

15.2 Governing Law

These Terms are governed by the laws of New South Wales, Australia, without regard to conflict-of-law principles, except that nothing in these Terms deprives you of the protection of any mandatory consumer-protection law of the place where you live, which continues to apply to you. For an Australian consumer that includes the Australian Consumer Law; for a United States or Canadian consumer, the law of your state or province.

15.3 Where a Dispute Is Heard

Disputes arising from these Terms or the Service are to be resolved in the courts of New South Wales, Australia. This does not stop you from bringing proceedings where you live, in a court or a consumer tribunal that has jurisdiction over us, and we will not object to a claim on the ground that you brought it there.

15.4 Individual Claims

To the maximum extent permitted by law, you agree to resolve disputes on an individual basis rather than as part of a class or class-wide proceeding. This does not apply to you if you are a consumer in Australia or in a Canadian province whose law prohibits it, and it does not apply anywhere it is unenforceable.

16. General Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and FundFlow regarding the Service.

16.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

16.3 Waiver

Our failure to enforce any provision of these Terms is not a waiver of that provision or our right to enforce it later.

16.4 Assignment

You may not assign or transfer your rights under these Terms without our consent, which we will not unreasonably withhold. We may assign ours to a purchaser of our business or assets, or to a company within our group, provided your rights under these Terms are not reduced.

16.5 Third-Party Beneficiaries

Except for Apple's rights under Section 9.8, these Terms do not create any third-party beneficiary rights.

16.6 Force Majeure

We are not liable for any failure or delay due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, government actions, or internet/power failures.

16.7 Notices

We may provide notices to you via email, in-app notification, or by posting on the Service. You may contact us at support@fundflow.dev.

17. Contact Us

If you have questions about these Terms, please contact us:

Email: support@fundflow.dev

Mailing Address: FundFlow Group Pty Ltd ABN 36 694 667 386 Australia

18. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE AND OUR PRIVACY POLICY.

These Terms of Service take effect on the date they are published at https://fundflow.dev/terms.