Terms of Service

1. Nature of the Service (Non-Custodial)

Fundly is software that helps trainers track money and sessions. Fundly is not a bank, authorized deposit-taking institution (ADI), or financial custodian. Fundly does not hold, store, or invest your funds. Settlement happens in three places, depending on the payment:

• Client card payments settle in the trainer's own Stripe account. The trainer is the merchant. Stripe pays the trainer. Fundly records the payment in the trainer's buckets after Stripe confirms it.
• Cash and bank transfers go to the trainer's own bank. Fundly observes those transfers through Open Banking (CDR) via Fiskil so it can allocate them in the app. Fiskil does not settle funds and is not a payments partner.
• The Fundly monthly plan is paid to Fundly Pty Ltd through Fundly's Stripe account. That is a software subscription, not client session money.

2. Beta Software Limitations

You acknowledge that Fundly is currently in a "Private Beta" phase. The service is provided "as is" and "as available." The platform may contain errors, bugs, or experience downtime. Fundly is not liable for indirect, incidental, or consequential damages arising from the use of the beta software.

3. User Responsibilities

You are responsible for your Stripe account, including payouts, disputes, and refunds on client card payments. You are responsible for the accuracy of the BSB and account numbers you configure for your own bank. Fundly cannot reverse a transfer that has already left your bank. Connecting a bank feed through Fiskil is optional and is used only so Fundly can observe incoming transfers — it does not move money.

4. Tax and Financial Advice

Fundly is a mathematical routing tool. We do not provide financial, tax, or legal advice. The allocation of percentages to tax or superannuation buckets is determined entirely by the user. Users should consult a registered tax agent or financial advisor for specific guidance.

5. Contact & Policies

For general product support, email support@getfundly.com.au. For privacy and data requests, see our Privacy Policy (Data Officer: privacy@getfundly.com.au). For formal complaints and dispute lodgement, see our Dispute Resolution Policy (disputes@getfundly.com.au).