Terms and Conditions

1. Acceptance of Terms

By accessing checkspent.com or using any CheckSpent product or service, you confirm that you are at least 18 years old (or have the consent of a parent or legal guardian) and that you agree to these Terms and Conditions and our Privacy Policy. If you do not agree, do not use the service.

For paid products: Before completing any purchase, you must actively confirm that you have read and agree to these Terms and Conditions, our Privacy Policy, and our Disclaimer by selecting the required checkbox at checkout. No purchase can proceed without this confirmation.

2. Services Offered

CheckSpent provides the following services:

Pricing and currency: All prices are displayed in Australian dollars (AUD) unless otherwise indicated at the time of checkout. CheckSpent reserves the right to change the currency of pricing at any time. Any change in currency applies to future purchases only and will be clearly displayed at checkout. You are solely responsible for any currency conversion fees, foreign transaction charges, or exchange rate differences applied by your bank, card issuer, or payment provider.

3. Not Financial Advice — No Professional Relationship

⚠️ CheckSpent does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide financial product advice under the Corporations Act 2001 (Cth). Nothing on this website constitutes financial advice, investment advice, tax advice, or any other regulated financial service. All content — including subscription reports, estimates, templates, tutorials, and 1:1 sessions — is for general informational and educational purposes only. You should consult a licensed financial adviser, accountant, or other relevant professional before making financial decisions.

No professional relationship: Your use of CheckSpent — including the purchase and use of any product or service — does not create a financial adviser–client relationship, a fiduciary relationship, a legal adviser–client relationship, or any other professional or regulated relationship between you and CheckSpent. You acknowledge and agree that all decisions you make based on information provided by CheckSpent are your own.

1:1 Session acknowledgement: Before participating in any 1:1 Spending Optimisation Session, you must confirm via a separate written acknowledgement (provided at booking) that: (a) you understand the session is educational and informational only; (b) no financial advice, legal advice, or tax advice will be provided; (c) you will seek independent professional advice before acting on any information discussed; and (d) no professional or fiduciary relationship is created by the session. The session cannot proceed without this acknowledgement.

4. Use of the Service

By using CheckSpent, you agree to:

• Use the service only for lawful purposes and in accordance with these terms.
• Upload only bank statements or transaction data that you are authorised to share.
• Not attempt to reverse-engineer, scrape, or disrupt the platform.
• Not use the service to process data belonging to another person without their explicit written consent.
• Not attempt to circumvent any payment gate or access paid features without purchase.
• Not use any content, report, or template for commercial resale or redistribution.

5. User Indemnification

You agree to indemnify, defend, and hold harmless CheckSpent, its owners, directors, employees, contractors, and agents from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use or misuse of the service.
• Your breach of these Terms and Conditions.
• Your upload of bank statement data belonging to another person without their consent.
• Any action you take (or fail to take) based on information provided by CheckSpent.
• Any third-party claim arising from your use of templates, including cancellation letters, refund requests, or negotiation scripts.

This indemnification obligation survives the termination of your use of the service.

6. Payments, Refunds, and Consumer Guarantees

Paid products are billed in the currency displayed at checkout. Payment must be made in full before access is granted. All payments are processed by third-party payment providers (such as Stripe). CheckSpent does not store full credit card numbers or payment credentials.

Checkout consent requirement: You must confirm that you have read and agree to these Terms and Conditions, our Privacy Policy, and our Disclaimer before completing any purchase. This confirmation is recorded and forms part of our agreement with you.

Australian Consumer Law guarantees: Under the ACL, consumers have non-excludable guarantees in relation to goods and services. If a product or service fails to meet a consumer guarantee, you may be entitled to a remedy (repair, replacement, refund, or compensation). These rights cannot be excluded and apply regardless of any other term in this agreement.

Digital products (templates, subscription reports): Because digital products are delivered instantly upon purchase, refunds are generally not available once access is provided — except where required by the ACL or where the product is materially defective.

1:1 sessions: Cancellations made at least 48 hours before the scheduled session are eligible for a full refund or reschedule. Cancellations within 48 hours are non-refundable except as required by the ACL.

Subscription reports: If your uploaded file cannot be processed due to a technical error on our part, you are entitled to a full refund. Contact us within 14 days of purchase.

7. Accuracy and Limitations

CheckSpent uses AI to extract and classify transactions. While we work to maximise accuracy, the system may produce false positives (incorrectly identified subscriptions), false negatives (missed subscriptions), or incorrect amounts — particularly for image uploads or non-standard bank formats. Results should be verified against your actual bank records before taking action.

Estimates shown — including monthly spend totals, annual projections, and savings potential — are based on detected patterns and known subscription data. They are indicative only and may not reflect your true financial position.

8. Intellectual Property

All content, branding, software, algorithms, and materials on checkspent.com are owned by CheckSpent or its licensors and are protected by Australian and international intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works without our prior written consent. Templates purchased as part of a paid product are licensed for personal use only and may not be resold, redistributed, sublicensed, or used for commercial purposes.

9. Referral Link Disclosure

Some links on CheckSpent — including on the Savings Hub and Referral Codes pages — are referral or affiliate links. If you click a link and sign up or make a purchase, CheckSpent may receive a commission or referral bonus at no additional cost to you. This does not influence which services are listed or how they are described. All material connections are disclosed in compliance with ACCC guidance on endorsements and testimonials. Referral offers are subject to the terms and conditions of the respective third-party providers and may change or expire at any time without notice.

10. Third-Party Services and Links

CheckSpent may link to third-party websites or services (banks, subscription providers, cashback platforms, etc.). We are not responsible for the content, accuracy, privacy practices, or terms of any third party. Links are provided for convenience only and do not constitute endorsement unless explicitly stated.

11. Limitation of Liability

To the maximum extent permitted by law (and subject to any non-excludable rights under the ACL), CheckSpent is not liable for:

• Any indirect, incidental, special, consequential, or punitive losses.
• Financial loss arising from reliance on subscription reports, estimates, or templates.
• Errors, inaccuracies, or omissions in AI-generated analyses.
• Loss of data, reports, or access due to technical failures.
• Actions taken (or not taken) by third-party subscription providers in response to templates.
• Any decision you make based on information discussed in a 1:1 session.
• Currency conversion fees, foreign transaction charges, or exchange rate differences.

Where our liability cannot be excluded under the ACL, our liability is limited to the lesser of: (a) resupply of the service; or (b) refund of the amount paid for the specific product or service giving rise to the claim.

12. Dispute Resolution

Before initiating formal proceedings, you agree to contact us at legal@checkspent.com to attempt informal resolution. We will endeavour to respond within 14 days. If informal resolution is unsuccessful within 30 days, either party may pursue formal remedies.

13. Service Availability

CheckSpent is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted access. We may modify, suspend, or discontinue any feature at any time with or without notice, subject to any applicable consumer guarantees under the ACL.

14. Jurisdiction and Governing Law

These terms are governed by the laws of the State of New South Wales, Australia. Any dispute arising from or related to these terms or the use of CheckSpent will be subject to the exclusive jurisdiction of the courts of New South Wales and the federal courts of Australia.

International users: If you access CheckSpent from outside Australia, you do so at your own initiative and are responsible for compliance with local laws in your jurisdiction. By using the service, you agree that these terms are governed by Australian law and you submit to the jurisdiction of Australian courts. Nothing in these terms limits any rights you may have under the mandatory consumer protection laws of your own jurisdiction that cannot be excluded by agreement.

15. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be severed from these terms and the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms and Conditions, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and CheckSpent regarding your use of the service. They supersede all prior agreements, representations, and understandings.

17. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified by updating the “Last updated” date on this page. Where a change materially affects your rights or obligations, we will provide at least 14 days' prior notice before the change takes effect (for example, by email if you have provided one, or by prominent notice on the website). Your continued use of the service after the effective date of any change constitutes acceptance of the revised terms. If you do not agree with a material change, you should stop using the service before the change takes effect.

18. Contact

For questions about these Terms, contact us at legal@checkspent.com.