Terms of Service | moneymood

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the moneymood platform ("Platform") operated by VCAP Connect Pty Ltd (ABN 88 674 243 362), trading as moneymood ("we", "us", "our"). By creating an account, entering an Access Code, or using the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Platform.

2. Description of Service

moneymood is a Financial Employee Assistance Program (Financial EAP) platform that provides financial wellbeing tools, insights, coaching, and educational resources to employees. The Platform is funded by participating employers as a workplace benefit.

The Platform may include features such as spending analysis, budgeting tools, financial health scoring, AI-powered insights, behavioural nudges, and connections to third-party financial services.

3. Eligibility

To use the Platform, you must:

Be at least 18 years of age
Have a valid Access Code provided by your employer or an authorised administrator
Be a resident of Australia
Provide accurate and complete registration information

We reserve the right to refuse or terminate access to anyone who does not meet these eligibility requirements.

4. Account Responsibilities

You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorised use of your account
Ensuring that your account information remains accurate and up to date

We are not liable for any loss or damage arising from your failure to maintain the security of your account credentials.

5. Acceptable Use

You agree not to:

Use the Platform for any unlawful purpose or in violation of any applicable laws
Attempt to gain unauthorised access to any part of the Platform or its systems
Interfere with or disrupt the Platform's infrastructure or other users' access
Share your Access Code or account credentials with unauthorised individuals
Use automated tools, bots, or scrapers to access the Platform without our written consent
Reverse engineer, decompile, or disassemble any part of the Platform
Upload malicious code, viruses, or harmful content

6. Connected Services

The Platform may offer connections to third-party services including but not limited to:

Lendera, lending and finance comparison services
BeOpen, financial counselling and support services
PokitPal, cashback and rewards services

These are separate services operated by independent third parties with their own terms of service and privacy policies. Your use of connected services is governed by their respective terms. moneymood is not responsible for the content, accuracy, availability, or practices of connected services. Any data sharing with connected services requires your explicit consent.

7. Intellectual Property

All intellectual property rights in the Platform, including but not limited to software, design, text, graphics, logos, icons, algorithms, and the moneymood brand, are owned by or licensed to VCAP Connect Pty Ltd.

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Platform for its intended purpose in accordance with these Terms. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any part of the Platform without our prior written consent.

8. Limitation of Liability

To the maximum extent permitted by law:

The Platform is provided on an "as is" and "as available" basis
We do not guarantee that the Platform will be uninterrupted, error-free, or completely secure
We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform
Our total liability for any claim arising from or relating to these Terms or the Platform shall not exceed the amount paid by your employer for your access to the Platform in the 12 months preceding the claim

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Australian Consumer Law.

9. Disclaimers

moneymood does not provide personal financial advice. All information, insights, projections, scores, and analysis provided by the Platform are general in nature and do not take into account your individual financial situation, objectives, or needs.

The Platform is an informational and educational tool designed to improve financial literacy and awareness. It is not a replacement for professional financial advice. You should always consult a licensed financial adviser, accountant, or other qualified professional before making financial decisions.

We do not guarantee the accuracy, completeness, or timeliness of any information presented on the Platform. Financial data sourced from your connected accounts is provided by third-party data sources and may contain errors or delays.

10. Termination

We may suspend or terminate your access to the Platform at any time if:

You breach any provision of these Terms
Your employer's subscription or agreement with moneymood ends
Your Access Code is revoked by your employer or administrator
We are required to do so by law
We discontinue the Platform or any part of it

You may terminate your account at any time by contacting us or using the account deletion feature within the Platform. Upon termination, your personal data will be handled in accordance with our Privacy Policy.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Victoria, Australia. You agree to submit to the exclusive jurisdiction of the courts of Victoria, Australia, for any disputes arising from or relating to these Terms or your use of the Platform.

12. Changes to Terms

We may update these Terms from time to time. When we make material changes, we will notify you via email or through a notice on the Platform at least 14 days before the changes take effect. Your continued use of the Platform after the updated Terms become effective constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Platform.

13. Contact Us

If you have questions about these Terms of Service, please contact:

VCAP Connect Pty Ltd
Trading as moneymood
Email: hello@moneymood.com.au