Mintage
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DRAFT. This document is a template awaiting review by a lawyer. It is not yet in force. Source: apps/docs/legal/terms.md.

Terms of use

This is a placeholder template prepared for review. It is not legal advice and must be reviewed by a qualified lawyer before it is published or relied on. Bracketed items are to be completed.

Last updated: [date]

These terms are between you and [Operator legal name] (ABN [number]) ("we", "us") and apply when you use Mintage. By creating an account or using Mintage you agree to them.

1. What Mintage is

Mintage is software for recording and analysing your own financial information: budgets, goals, forecasts, investments and tax-related reports. It provides general information only. It is not financial product advice, tax advice, legal advice or a tax agent service. See the Disclaimer.

[Placeholder: statement regarding Australian financial services licensing — e.g. "We do not hold an Australian financial services licence and do not provide financial product advice." To be confirmed by counsel.]

2. Your account

  • You must give accurate details and keep your password and two-factor device secure.
  • You're responsible for activity under your account and for the people you invite to your entities and the roles you give them.
  • You must be at least 18, or have a parent or guardian's consent.

3. Your data

  • You own the data you put into Mintage. You give us permission to store and process it only to provide the service.
  • You're responsible for checking imported and calculated figures before relying on them, including before lodging any return.
  • You can export or delete your data at any time. See the Privacy policy.

4. Acceptable use

You must not misuse Mintage — for example by trying to access other people's data, interfering with the service, reverse engineering it except as the law allows, or using it for anything unlawful.

5. Third-party data

Prices, exchange rates and other market data come from third parties (some unofficial) and may be delayed, incomplete or wrong. We don't guarantee their accuracy.

6. Self-hosted use

If you run Mintage yourself, you're responsible for your installation, its security, backups and updates. [Placeholder: licence terms for the software.]

7. Fees

[Placeholder: pricing, billing, renewals and refunds, if any.]

8. Availability and changes

We aim to keep Mintage available but don't promise it will be uninterrupted or error-free. We may change features; we'll tell you in advance about changes that materially affect you.

9. Liability

Nothing in these terms excludes rights you have under the Australian Consumer Law that can't be excluded. Otherwise, to the extent the law allows: [Placeholder: limitation of liability, including for decisions made using Mintage's calculations, indirect loss, and a liability cap.]

10. Ending these terms

You can stop using Mintage and delete your account at any time. We may suspend or close accounts that breach these terms, with notice where reasonable.

11. General

These terms are governed by the laws of [State], Australia. [Placeholder: dispute resolution, notices, entire agreement.]

Contact

[Operator legal name] · [address] · [email]