Website Terms & Conditions of Use

1. About the Website

• (a)  Welcome to www.billroo.com (Website). The Website allows you to access and use the Billroo (Platform).

6. Security and Data Privacy(a) Billroo Operations PTY LTD takes your privacy seriously and information provided through your use of the Website and/or Platform are subject to Billroo Operations PTY LTD’s Privacy Policy, which is available on the Website. The Privacy Policy also addresses Billroo Operations PTY LTD’s processes, policies, and obligations in respect of security and incident response.
   (b) When using AI features (such as the chatbot or tax report), your data may be shared with Anthropic to generate responses. This includes only data relevant to providing the feature, such as transaction description, transaction categories, transaction amount, your Billroo tier, and user goals. We do not share names, emails, or bank credentials.
   (c) Device/diagnostic data (mobile): When you use the App, we may process device and diagnostic information (e.g. app version, device model, OS version, crash logs and basic analytics events) to maintain security and performance. See our Privacy Policy for details.
   (d) Bank credentials: We do not store your bank login credentials. Open Banking access is facilitated via our accredited provider(s) (currently Fiskil) and governed by their Consumer Data Right (CDR) policy.

   (e) Partner Access and data sharing: Where an Account Holder enables Partner Access under clause 8A, the Account Holder consents to their personal and financial information stored within the account (including transaction history, bank connections, and budgeting data) being accessible to their nominated Additional User. The Account Holder is responsible for ensuring their Additional User is aware of and agrees to Billroo Operations PTY LTD’s Privacy Policy before access is granted. Billroo Operations PTY LTD is not responsible for any loss or damage arising from the Account Holder’s decision to share their financial data with an Additional User.

7. Data UseBillroo Operations PTY LTD collects, stores, and processes your data on Billroo. The data is used to provide Platform to you, as well as to facilitate Billroo Operations PTY LTD’s business operations. The Privacy Policy outlines how your data is collected, stored, and processed by Billroo Operations PTY LTD. The Privacy Policy also addresses Billroo Operations PTY LTD’s processes, policies, and obligations in respect of data encryption and removal requests.
   The Privacy Policy details how we use and store your personal data.
8. Subscription to use the Service
   • (a) To use the Billroo platform, all users must register for an account and begin with a 14-day free trial, which provides full access to features, including bank connections and budgeting.
   • (b) Members may start with a 14-day free trial period. To access the trial, you will need to provide valid payment details at signup. During the trial period, Members will have access to connect a bank account with Billroo. No charges will be applied during the trial period. However, at the end of the trial period, your account will automatically convert to a paid subscription and your payment method will be charged the applicable Subscription Fee unless you cancel before the trial period ends.
     After the trial period ends, if you choose not to purchase a Subscription, your account will remain active but with limited functionality. Non-paying users will lose access to bank connections and will have restricted access to certain features of the Platform. For full functionality, including bank connections and all Platform features, a paid Subscription is required.
   • (c)  Paid Members purchase a Subscription through the Website and pay the applicable fee for the Selected Subscription (Subscription Fee). After purchasing a Subscription, you will be considered a Paid Member.
   • (d)  In purchasing the Subscription, you acknowledge and agree that it is your responsibility to ensure that the Subscription you elect to purchase is suitable for your use.
   • (e)  Before, during or after you have purchased the Subscription, you will then be required to register for an account through the Website before you can access the Platform (Account).
   • (f)  As part of the registration process, or as part of your continued use of the Platform, you may be required to provide personal information about yourself (such as identification or contact details), including but not limited to Name, Email, Country, Transactions, Currency.
   • (g)  You warrant that any information you give to Billroo Operations PTY LTD in the course of completing the registration process will always be accurate, correct and up to date.
   • (h)  Once you have completed the registration process, you will be a registered user of the Website and agree to be bound by the Terms (“User”). As a Member you will be granted immediate access to the Platform from the time you have completed the registration process until the subscription period expires (Subscription Period).
   • (j)  You may not use the Platform and may not accept the Terms if:
     • • (i)  you are not of legal age to form a binding contract with Billroo Operations PTY LTD; or
       • (ii)  you are a person barred from receiving the Platform under the laws of Australia or other countries including the country in which you are resident or from which you use the Platform
     • (k) Where you register as an Additional User under clause 8A, your account registration grants you access to the Account Holder’s account only to the extent permitted under clause 8A. Your personal information will be collected and handled in accordance with the Privacy Policy.

8A. Additional Users (Partner Access)

8A.1 Overview

Subject to the terms of this clause, the primary account holder (“Account Holder”) may invite one (1) additional user (“Additional User”) to access their Billroo account through the Partner Access feature available under Account Settings.

8A.2 Eligibility and Invitation

(a) To invite an Additional User, the Account Holder must send an invitation via the Partner Access section within their account settings. The invitation will be sent to the Additional User’s nominated email address.

(b) The Additional User must create their own Billroo account using their own email address and login credentials and must accept Billroo Operations PTY LTD’s Terms and Conditions and Privacy Policy before access is granted. Access to the Account Holder’s account is linked to, but separate from, the Additional User’s own Billroo account.

(c) Only one (1) Additional User may be linked to an account at any time.

8A.3 Additional Fee

(a) Adding an Additional User is subject to an additional monthly fee of $5.00 AUD per month (“Partner Access Fee”). The Partner Access Fee will be added to the Account Holder’s existing subscription and charged to the Account Holder’s payment method on file.

(b) Billroo Operations PTY LTD reserves the right to change the Partner Access Fee from time to time. The Account Holder will be given reasonable notice of any change to the Partner Access Fee before it takes effect. Continued use of the Partner Access feature after the effective date of a fee change constitutes acceptance of the new fee.

(c) The Partner Access Fee is the sole responsibility of the Account Holder. The Additional User does not incur a separate charge for accessing the Account Holder’s account under this feature.

(d) If the Account Holder’s subscription is cancelled or terminated for any reason, the Partner Access Fee will also cease and the Additional User will immediately lose access to the Account Holder’s account.

8A.4 Permissions — What an Additional User Can Do

Subject to clause 8A.5, an Additional User has access to the following features within the Account Holder’s account:

(a) view all transactions, budgets, and financial data connected to the account;

(b) add, edit, or delete transactions and categories;

(c) add a new bank account connection;

(d) remove an existing bank connection;

(e) use AI features, including Billroo AI and the Tax Report feature, subject to the AI usage limits and AI Credits terms in clause 12; and

(f) access services purchased by the Account Holder, including the 1:1 Guided Setup and Money Reset workshop, subject to the terms applicable to those services.

8A.5 Permissions — What an Additional User Cannot Do

An Additional User does not have authority to, and must not:

(a) manage, upgrade, downgrade, or cancel the Account Holder’s subscription;

(b) delete the Account Holder’s Billroo account;

(c) purchase AI Credits, add-ons, or any other paid features charged to the Account Holder’s payment method;

(d) change the Account Holder’s billing or payment details; or

(e) invite or remove other Additional Users.

These restrictions exist to protect the Account Holder’s account ownership and financial information. Billroo Operations PTY LTD will not be liable for any loss or damage arising from an Additional User acting outside the permissions set out in clause 8A.4.

8A.6 Account Ownership

(a) The Account Holder retains full ownership and control of the Billroo account at all times. Adding an Additional User does not transfer, share, or otherwise affect the Account Holder’s ownership of the account.

(b) All data, budgets, bank connections, and subscription entitlements associated with the account remain the property and responsibility of the Account Holder.

(c) In the event of any dispute between the Account Holder and an Additional User regarding the account, Billroo Operations PTY LTD will recognise the Account Holder as the sole account owner and will act on the Account Holder’s instructions accordingly.

8A.7 Removal of an Additional User

(a) The Account Holder may remove an Additional User at any time via the Partner Access section in account settings. Removal takes effect immediately upon confirmation.

(b) An Additional User may also remove themselves from the Account Holder’s account via their own account settings. Self-removal takes effect immediately.

(c) Upon removal, the Additional User will immediately lose all access to the Account Holder’s account and all associated data. Any data added by the Additional User during the period of access (including manual transactions and category edits) will be retained on the Account Holder’s account and will not be deleted upon removal.

(d) Removing an Additional User will stop the Partner Access Fee from the next billing cycle. The Account Holder remains liable for any Partner Access Fees already charged prior to removal.

8A.8 Responsibility for Additional User Conduct

(a) The Account Holder is responsible for ensuring that any Additional User they invite complies with these Terms, including the Acceptable Use provisions in clause 4B.

(b) Any breach of these Terms by an Additional User will be treated as a breach by the Account Holder. Billroo Operations PTY LTD reserves the right to suspend or terminate access for both the Account Holder and the Additional User in the event of a breach.

(c) The Account Holder should only invite individuals they trust with full access to their financial data. Billroo Operations PTY LTD is not responsible for any loss, damage, or unauthorised action resulting from the Account Holder’s decision to grant Partner Access.

8A.9 Privacy and Data Sharing

(a) By inviting an Additional User, the Account Holder acknowledges and consents to that individual having access to the Account Holder’s personal and financial information stored within the account, including transaction history, bank connections, and budgeting data.

(b) Before accepting an invitation, the Additional User must accept Billroo Operations PTY LTD’s Privacy Policy. The Additional User’s own personal information (including their email address and login credentials) will be handled in accordance with the Privacy Policy.

(c) The Account Holder should review the Privacy Policy before inviting an Additional User and ensure the Additional User understands how their data will be handled.

(d) Billroo Operations PTY LTD is not responsible for any loss or damage arising from the Account Holder’s decision to share their financial data with an Additional User.

8A.10 Suspension or Termination of the Account

(a) If the Account Holder’s subscription is cancelled, or their account is suspended or terminated for any reason, the Additional User’s access to that account will also be suspended or terminated at the same time and the Partner Access Fee will cease accordingly.

(b) Suspension or termination of the Account Holder’s account does not affect the Additional User’s own separate Billroo account (if any).

9. Payments

• (a)  Subject to the terms of any applicable Software License Agreement, the Subscription Fee may be paid by all payment methods available on the Website, and may change from time to time.
  In-app purchases: For iOS users, billing, renewals, cancellations and refunds are handled by Apple under their terms. For Android users, subscriptions are processed through Stripe (the same as our web app). Android users must manage or cancel subscriptions by logging into the Billroo web app at www.billroo.com
  and selecting Account → Billing.
• (b)  Payments made in the course of your use of Billroo may be made using third-party applications and services not owned, operated, or otherwise controlled by Billroo Operations PTY LTD. You acknowledge and agree that Billroo Operations PTY LTD will not be liable for any losses or damage arising from the operations of third-party payment applications and services. You further acknowledge and warrant that you have read, understood and agree to be bound by the terms and conditions of the applicable third-party payment applications and services you choose to use as a payment method for Billroo services.
• (c)  You acknowledge and agree that where a request for the payment of the Subscription Fee is returned or denied, for whatever reason, by your financial institution or is unpaid by you for any other reason, then you are liable for any costs, including banking fees and charges, associated with the Subscription Fee and/or the returned or denied payment.
• (d)  You agree and acknowledge that Billroo Operations PTY LTD can vary the Subscription Fee at any time and that the varied Subscription Fee will come into effect following the conclusion of the existing Subscription.
• (e) Free Trial – The 14-day free trial period allows you to test the Platform at no cost – Valid payment details are required at signup to access the free trial – No payment will be charged during the trial period – At the end of the trial period, your provided payment method will be automatically charged the applicable Subscription Fee – To prevent your account from converting to a paid subscription and avoid charges, you must cancel before your trial ends – You may only use one free trial per account.
  If you signed up on iOS, your Apple ID will be charged unless you cancel in Apple ID settings before the trial ends. If you signed up on Android or web, your Stripe payment method will be charged unless you cancel via Account → Billing before the trial ends. If you cancel after a renewal or conversion charge has already been processed, that cancellation will apply to future renewals only and will not automatically entitle you to a refund.

• (f) AI Credits

  1. If AI Credits are offered, you may purchase AI Credits through the Platform using the payment methods made available at checkout.

  2. AI Credits are charged at the time of purchase and are separate from your Subscription Fee.

  3. For iOS purchases, where AI Credits are purchased via Apple in-app purchase, billing, cancellations and refunds (if any) are handled by Apple under Apple’s terms. For web and Android purchases (where applicable), billing is processed by Stripe.

• (Partner Access Fee) Where an Account Holder has enabled Partner Access under clause 8A, an additional Partner Access Fee of $5.00 AUD per month will be added to the Account Holder’s existing subscription and charged to their nominated payment method on file. The Partner Access Fee is subject to change in accordance with clause 8A.3(b). For iOS users, the Partner Access Fee is billed via Apple in accordance with the mobile billing terms set out in clause 4A. For Android and web users, the Partner Access Fee is billed via Stripe.

10. Refund Policy

• (a)  Billroo Operations PTY LTD offers refunds in accordance with the Australian Consumer Law and on the terms set out in these terms and conditions.
• (b)  Billroo Operations PTY LTD will only provide you with a refund of the Subscription Fee in the event they are unable to continue to provide the Platform or if the manager of Billroo Operations PTY LTD makes a decision, at its absolute discretion, that it is reasonable to do so under the circumstances. Where this occurs, the refund will be in the proportional amount of the Subscription Fee that remains unused by the Member (Refund).
• (c) Free Trial Conversion – If you do not cancel your subscription before the end of the free trial period, you authorise the applicable billing provider to charge your payment method for the subscription plan you selected. Cancelling after that charge has been processed stops future renewals only and does not automatically entitle you to a refund. Except where required under the Australian Consumer Law, payments charged after a free trial ends are non-refundable where the user did not cancel before the trial ended.
• (d) App purchases:For purchases made through Apple’s App Store, Apple is the billing provider and refund requests must be submitted directly to Apple. Billroo Operations Pty Ltd cannot directly process, reverse, or issue refunds for Apple in-app purchases.For purchases made via Stripe on the Billroo web app or Android, refund requests should be made directly to Billroo Operations Pty Ltd via [email protected]
  and will be handled in accordance with these Terms and the Australian Consumer Law.

• (e) AI Credits

  1. To the extent permitted by law, AI Credit purchases are generally non-refundable for change of mind, including where AI Credits have been partially used or have expired.

  2. If you believe AI Credits were deducted in error due to a Platform issue, please contact us at [email protected] and we will investigate and, where appropriate, restore AI Credits or provide a remedy consistent with the Australian Consumer Law.

  3. For iOS in-app purchases, refund requests must be made directly to Apple. This does not limit your rights under the Australian Consumer Law.

11. Copyright and Intellectual Property

• (a)  The Website, the Platform and all of the related products of Billroo Operations PTY LTD are subject to copyright. The material on the Website and in the Platform is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the Platform and compilation of the Website (including but not limited to text, graphics, logos, button icons, video images, audio clips, Website code, scripts, design elements and interactive features) or the Platform are owned or controlled for these purposes, and are reserved by Billroo Operations PTY LTD or its contributors.
• (b)  All trademarks, service marks and trade names are owned, registered and/or licensed by Billroo Operations PTY LTD, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are a User to:

(i)  use the Website pursuant to the Terms;
(ii)  copy and store the Website and the material contained in the Website in your device’s cache memory; and
(iii)  print pages from the Website for your own personal and non-commercial use.

• (c)  Billroo Operations PTY LTD does not grant you any other rights whatsoever in relation to the Website or the Platform. All other rights are expressly reserved by Billroo Operations PTY LTD.
• (d)  Billroo Operations PTY LTD retains all rights, title and interest in and to the Website and all related Platform. Nothing you do on or in relation to the Website will transfer any:

(i)  business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright, or
(ii)  a right to use or exploit a business name, trading name, domain name, trade mark or industrial design, or
(iii)  a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process), to you.

• (e)  You may not, without the prior written permission of Billroo Operations PTY LTD and the permission of any other relevant rights owners: broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the Platform or third party Platform for any purpose, unless otherwise provided by these Terms.

14. Limitation of Liability

• (a)  Billroo Operations PTY LTD’s total liability arising out of or in connection with the Platform or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the Platform to you.
• (b)  You expressly understand and agree that Billroo Operations PTY LTD, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.

15. Termination of Contract

• (a)  The Terms will continue to apply until terminated by either you or by Billroo Operations PTY LTD as set out below.
• (b)  If you want to terminate the Terms, you may do so by:

(i)  not renewing the Subscription prior to the end of the Subscription Period;
(ii)  providing Billroo Operations PTY LTD with 14 days’ notice of your intention to terminate; and
(iii)  closing your accounts for all of the services which you use, where Billroo Operations PTY LTD has made this option available to you.

• (c)  Any notices pursuant to Clause 13.2 above should be sent, in writing, to Billroo Operations PTY LTD via the ‘Contact Us’ link on our homepage.
• (d)  Billroo Operations PTY LTD may at any time, terminate the Terms with you if:

(i)  you do not renew the Subscription at the end of the Subscription Period;
(ii)  you have breached any provision of the Terms or intend to breach any provision;
(iii)  Billroo Operations PTY LTD is required to do so by law;
(iv)  the provision of the Platform to you by Billroo Operations PTY LTD is, in the opinion of Billroo Operations PTY LTD, no longer commercially viable.

• • (e)  Subject to local applicable laws, Billroo Operations PTY LTD reserves the right to discontinue or cancel your Subscription or Account at any time and may suspend or deny, in its sole discretion, your access to all or any portion of the Website or the Platform without notice if you breach any provision of the Terms or any applicable law or if your conduct impacts Billroo Operations PTY LTD’s name or reputation or violates the rights of those of another party.
  • (f) Mobile subscriptions: Deleting your Billroo account or uninstalling the App does not cancel an active subscription. iOS users must cancel in Apple ID settings; Android users must cancel through their Stripe billing portal or by contacting [email protected].
    Android users must cancel through their Stripe billing portal or by contacting [email protected]
    (account deletion itself is performed via the Billroo web app under Account → Delete Account).
  • (g) Where an Account Holder’s account is terminated or subscription cancelled for any reason, any active Partner Access arrangement under clause 8A will also terminate immediately. The Additional User will lose access to the Account Holder’s account at the same time. Termination of the Account Holder’s account does not affect the Additional User’s own separate Billroo account (if any).

16. Indemnity

You agree to indemnify Billroo Operations PTY LTD, its affiliates, employees, agents, contributors, third party content providers and licensors from and against:

• (a)  all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred, suffered or arising out of or in connection with your content;
• (b)  any direct or indirect consequences of you accessing, using or transacting on the Website or attempts to do so; and/or
• (c)  any breach of the Terms.

Where you have enabled Partner Access under clause 8A, you also agree to indemnify Billroo Operations PTY LTD, its affiliates, employees, agents, contributors, third party content providers and licensors from and against all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) arising out of or in connection with any act or omission of your Additional User, including any breach of these Terms by the Additional User.

17. Dispute Resolution 

17.1. Compulsory:

If a dispute arises out of or relates to the Terms, either party may not commence any Tribunal or Court proceedings in relation to the dispute, unless the following clauses have been complied with (except where urgent interlocutory relief is sought).

17.2. Notice:

A party to the Terms claiming a dispute (Dispute) has arisen under the Terms, must give written notice to the other party detailing the nature of the dispute, the desired outcome and the action required to settle the Dispute.

17.3. Resolution:
On receipt of that notice (Notice) by that other party, the parties to the Terms (Parties) must:

• (a)  Within 28 days of the Notice endeavour in good faith to resolve the Dispute expeditiously by negotiation or such other means upon which they may mutually agree;
• (b)  If for any reason whatsoever, 28 days after the date of the Notice, the Dispute has not been resolved, the Parties must either agree upon selection of a mediator or request that an appropriate mediator be appointed by the Australian Mediation Association;
• (c)  The Parties are equally liable for the fees and reasonable expenses of a mediator and the cost of the venue of the mediation and without limiting the foregoing undertake to pay any amounts requested by the mediator as a precondition to the mediation commencing. The Parties must each pay their own costs associated with the mediation;
• (d)  The mediation will be held in Sydney, Australia.

17.4. Confidential