These terms of service (Terms) govern your use of Beforepay Finance Pty Ltd ACN 636 670 525 (referred to as “we”, “us” or “Beforepay”) Products & Services.
By downloading our App and accessing or using our Products & Services, you are deemed to have read, accepted and be bound by these Terms.
We may change these Terms from time to time and will personally notify you of any material amendments in accordance with clause 2(b) no later than 30 days prior to the implementation of the amendments. If you do not wish to accept these amendments, then you may cease the use of our Products & Services without penalty prior to the amendments being implemented. Otherwise, your continued use is deemed acceptance of the amendments.
We may discontinue any of our Products & Services if that discontinuation is based on our legitimate business interests. In the event any such discontinuation affects your rights and obligations as a user of those Products or Services, we will personally notify you in accordance with clause 2(b) no later than 30 days prior to the discontinuation. If we need to discontinue for regulatory reasons or to protect the integrity or safety of our systems, we may discontinue any Products & Services immediately without giving you any prior notice.
Unless these Terms require us to give you personal notice in accordance with clause 2(b), notices or other communications regarding these Terms and/or the Products and Services will be provided to you electronically via our Website or by displaying an appropriate notice on our App and/or by way of email notification to the email address registered on your Beforepay account. You agree to receive all communications from us in electronic form.
If these Terms require us to give you personal notice, we may give you that notice by sending it to the email address registered on your Beforepay account.
Service of personal notice is taken to be effective from 5pm the day after it is sent to your email, unless we receive notification that delivery of the relevant email has failed.
We aggregate financial, location and related information from one or more Linked Services, using Authentication Information provided by you, to retrieve Account Information from each Linked Service.
The information provided by our Products & Services is information provided by you, through our Linked Services, and may be combined with some further analysis of such information. Our Products & Services are not intended as legal, tax or financial advice, nor as an offer or recommendation for financial services or other products, and you should not rely on them for these purposes.
We may change the content or features of our Products & Services to align with our legitimate business interests and will provide you with personal notice of any material changes accordance with clause 2(b) no later than 30 days prior the implementation of the changes. If you do not wish to continue using our Products & Service as a result of these changes, you may cease to use them without penalty prior to them being implemented. Otherwise, your continued use is deemed acceptance of the changes.
References to Linked Services, including the display of their trademarks, may appear on our Website, in our App or in third-party services incorporating our Products & Services. Any such references do not imply endorsement by or of the Linked Service. Your use of any Linked Services accessed through Beforepay is at your own risk.
In order to access and use our Products & Services, you will need a compatible mobile device, compatible software, and internet access. For details of compatibility requirements, please refer to our Website.
We will use our best efforts to maintain the reliability of our Products & Services. However, they are provided on an ‘as is’ basis and we do not guarantee that our Products & Services will be error-free. Additionally, we cannot guarantee the accuracy, availability, continuity, and completeness of our Products & Services, as this can be affected by a variety of factors outside of our control.
We provide some of our Products & Services free of charge. However, where indicated either at registration or within the App, we also provide optional Paid Services. The fees for Paid Services can be found on our Website and on our App.
If we provide you with a Paid Service, we will enter into a separate agreement with you to do so.
You may use the main functionality of our Products & Services free of charge (this excludes our Paid Services).
We grant you a non-exclusive, personal, non-transferable, revocable license to use our Products & Services in accordance with these Terms for so long as you are registered to use our Products & Services. This does not assign any ownership rights, intellectual property rights or any other implied rights (including resale rights) relating to our Products & Services to you or any other person.
Your Beforepay account is provided for your personal use only. You may not transfer or assign your account or usage rights to a third party.
You can unsubscribe from non-essential service email notifications at any time.
You can delete your Beforepay account or our App at any time.
You agree to:
You agree that you will not:
We may suspend your use of our Products & Services, or cancel your Beforepay account if we determine that:
If we determine it is necessary to suspend your use of our Products & Services or cancel your Beforepay account for any of the reasons above, we will personally notify you of the reason and the effective date and length of the suspension in accordance with clause 2(b) as soon as possible. We will endeavour to give you reasonable prior notice, but where this is not possible (for example in the case of an emergency) we will notify you as soon as reasonably practicable after the fact.
From time to time, our Products & Services may experience interruptions for a variety of reasons, including:
We will provide advance notification where we are able to plan or anticipate these interruptions, however, this may not always be the case. If we are not able to notify you before the interruption, we will notify you as soon as reasonably practicable after the fact.
Beforepay utilises the services of digital payment solutions provider, Assembly Payments Pty Ltd ABN 637 632 645 (Assembly), to procure the payment of loan funds to you. Assembly’s Payment Services terms can be found here.
These Terms and all aspects of your use of our Products & Services are governed by the laws of the state of New South Wales (Australia). You agree to notify us as soon as reasonably possible about any claim or dispute concerning or relating to these Terms or our Products & Services using the contact details set out in clause 14 below.
If you would like to contact us, you can email us at email@example.com or from the contact form on our Website.
|Account Information||means any data relating to your account(s) that you lawfully have access to through a Linked Service, and which you authorise us to access through our Products & Services. Account Information includes statement data (and financial transactions associated with an account) and related metadata.|
|APIs||means the Application Programming Interface(s) provided by Beforepay to enable us to provide the Products & Services.|
|App||means the Beforepay application available for download on Google Play and the Apple App Store.|
|Authentication Information||means your login name, password and other authentication information required to access Linked Services.|
|Content||means content, software, trademarks, text, video, music, sound, graphics, illustrations, photographs, names, logos, service marks and other material appearing on our Website and within our App and services through which our Products & Services are provided.|
|Linked Services||means third party services, accessible via the internet, through which you may access your Account Information and which you have registered with Beforepay via one of our Products & Services or via a third party service.|
|Paid Services||mean our paid subscription services, providing functionality in addition to the main functions of our free of charge Products & Services.|
|Personal Information||means information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether true or not, and whether recorded in a material form or not. This is the same meaning as in the Privacy Act 1988 (Cth).|
|Products & Services||means our personal financial management app, data aggregation services that you have registered to use and short-term loan services that you have entered into.|
|Website||means our website accessible at www.beforepay.co|
This document was last updated May 2021
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