These Terms of Service ("Terms") govern your access to and use of the PaydMate web application ("Service"). By using PaydMate, you agree to be bound by these Terms. If you do not agree, do not use the Service.
You must create an account to use PaydMate. You are responsible for keeping your login credentials secure. You are solely responsible for all activity under your account. We may suspend or terminate accounts that violate these Terms.
You agree not to:
You retain ownership of all data you input into PaydMate. By using the Service, you grant us permission to store and process your data as necessary to provide the Service. We do not sell your personal financial data to third parties.
When you delete your account, your data is retained in our systems for up to 30 days before permanent deletion, in accordance with our Privacy Policy.
PaydMate offers a free tier with full access to core features. A premium subscription may be offered in the future with additional features. All prices are in Australian Dollars (AUD) and include GST where applicable.
Premium subscriptions can be cancelled at any time. Refunds are at our discretion unless required by law.
Any AI-powered features (such as spending insights or categorisation) are provided "as is". AI outputs may be inaccurate or incomplete — you should not rely on them as professional financial advice. You retain final responsibility for your budgeting decisions.
We use Firebase (Google) for authentication and data storage, and may use other third-party services. These services have their own terms and privacy policies. We are not responsible for the practices of third-party providers.
We aim to keep PaydMate available at all times but do not guarantee uninterrupted access. The Service is provided "as is" without warranties of any kind. We may modify, suspend, or discontinue features at any time.
To the maximum extent permitted by Australian law, PaydMate and its operators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability shall not exceed the amount you have paid us (if any) in the past 12 months.
You agree to indemnify and hold harmless PaydMate and its operators from any claims, damages, or expenses arising from your violation of these Terms or your misuse of the Service.
We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of the Service after changes constitutes acceptance of the new Terms.
These Terms are governed by the laws of Australia.
For questions about these Terms, contact us at:
Email: [Contact email placeholder]