1. Agreement to Terms

By accessing or using PayCheck. ("the Service"), operated by PayCheck Pty Ltd ("we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you must not use the Service.

The Service is designed for use by Australian financial advice practices, licensees, and authorised representatives for the purpose of tracking, reconciling, and reporting on insurance brokerage revenue.

2. Account Registration

To use the Service, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You must be at least 18 years of age and have the legal authority to enter into these terms on behalf of yourself or the entity you represent.

3. Subscription Plans & Billing

PayCheck. offers subscription plans ("Lite" and "Pro") billed on a monthly or annual basis. Prices are quoted in Australian Dollars (AUD) and are inclusive of GST where applicable.

• Free Trial: New accounts receive a 14-day free trial with full access to Pro features. A valid payment method is required to start the trial. You will not be charged until the trial period ends.
• Billing: Subscriptions automatically renew at the end of each billing period unless cancelled. You may cancel at any time through the billing settings or Stripe customer portal.
• Refunds: We do not offer refunds for partial billing periods. If you cancel, your access continues until the end of the current paid period.
• Price Changes: We may adjust pricing with at least 30 days' written notice. Existing subscribers will be notified before any price change takes effect.

4. Acceptable Use

You agree to use the Service only for its intended purpose — managing and reporting on brokerage revenue data. You must not:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorised access to the Service or its related systems
• Reverse engineer, decompile, or disassemble any part of the Service
• Share your account credentials with unauthorised parties
• Upload malicious files or content designed to disrupt the Service

5. Data & Your Content

You retain ownership of all data and content you upload to the Service ("Your Content"). By uploading content, you grant us a limited licence to process, store, and display Your Content solely for the purpose of providing the Service to you.

We do not sell, share, or use Your Content for any purpose other than delivering the Service. You are responsible for ensuring you have the right to upload any content to the Service.

6. Service Availability & Limitations

We strive to maintain high availability but do not guarantee uninterrupted access to the Service. We may perform maintenance, updates, or modifications that temporarily affect availability.

The Service is a reporting and reconciliation tool. It does not constitute financial advice, and you should not rely solely on the Service for compliance, tax, or regulatory obligations. Always verify data independently and consult qualified professionals.

7. Limitation of Liability

To the maximum extent permitted by Australian law, PayCheck Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of the Service.

Our total liability for any claim arising from or related to the Service shall not exceed the amount you paid to us in the 12 months preceding the claim.

8. Termination

We may suspend or terminate your access to the Service at any time if you breach these terms. Upon termination, your right to use the Service ceases immediately. You may request export of Your Content within 30 days of termination by contacting us.

9. Changes to Terms

We may update these terms from time to time. Material changes will be communicated via email or in-app notification at least 14 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised terms.

10. Governing Law

These terms are governed by the laws of the State of New South Wales, Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

1. Information We Collect

We collect information you provide directly when creating an account and using the Service:

• Account information: Name, email address, and authentication credentials
• Billing information: Payment details are processed and stored securely by Stripe. We do not store your full card number.
• Uploaded content: Brokerage reports, client data, and other files you upload to the Service
• Usage data: Information about how you interact with the Service, including pages visited and features used

2. How We Use Your Information

We use your information to:

• Provide, maintain, and improve the Service
• Process your subscription payments
• Send you service-related communications (billing, updates, security alerts)
• Respond to your support requests
• Detect and prevent fraud or abuse

We do not sell your personal information to third parties. We do not use your uploaded brokerage data for any purpose other than providing the Service.

3. Data Storage & Security

Your data is stored on secure, encrypted servers. We implement industry-standard security measures including encryption in transit (TLS) and at rest, access controls, and regular security reviews.

While we take reasonable steps to protect your data, no method of electronic storage is 100% secure. You are responsible for maintaining the security of your account credentials.

4. Third-Party Services

We use the following third-party services to operate PayCheck.:

• Stripe: Payment processing and subscription management
• Xero: Accounting integration (only when you explicitly connect your Xero account)
• Cloud hosting: Secure infrastructure for data storage and processing

Each third-party service is subject to their own privacy policies. We only share the minimum information necessary for these services to function.

5. Your Rights

Under the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs), you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your account and associated data
• Export your data in a machine-readable format
• Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

6. Data Retention

We retain your data for as long as your account is active. Upon account deletion, we will remove your personal information and uploaded content within 30 days, except where retention is required by law or for legitimate business purposes (such as resolving disputes or enforcing our terms).

7. Cookies & Analytics

We use essential cookies to maintain your session and authentication state. We may use analytics tools to understand how the Service is used. We do not use third-party advertising cookies or tracking pixels.

8. Contact Us

If you have any questions about these terms or our privacy practices, please contact us at [email protected].