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 notify you of any material amendments through our Website. If you do not accept these amendments, then you may cease the use of our Products & Services. Otherwise, your continued use is deemed acceptance of the amendments.
We may at our discretion discontinue any of our Products & Services, in which case we will also provide you with notice via our Website, through our App and/or by way of email notification.
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 at our discretion and will provide you with notice of any material changes in the same manner as set out above.
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 Cheq (“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 Cheq (“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 Cheq (“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 Cheq (“Beforepay”) account if we determine that:
If we determine it is necessary to suspend your use of our Products & Services or cancel your Cheq (“Beforepay”) account for any of the reasons above, we will notify you of the reason and the effective date and length of the suspension as soon as possible. We will endeavor to do this with 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.
Cheq’s (“Beforepay”) 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.
If you would like to contact us, you can email us at email@example.com or from the contact form on our Website.
In the event we need to contact you, we will do so via your registered email, via our Website or by displaying a notice in an appropriate place within our App. It is therefore important that you keep your details up to date.
|Account Information||Any data relating to your account(s) that you lawfully have access to through a Linked Service, and which you authorize us to access through our Products & Services. Account Information includes statement data (and financial transactions associated with an account) and related metadata.|
|APIs||The Application Programming Interface(s) provided by Cheq (“Beforepay”) to enable us to provide the Products & Services.|
|Authentication Information||Your login name, password and other authentication information required to access Linked Services.|
|Company Website||Our public website accessible at: http://www.beforepay.co|
|Content||May include 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||Third party services, accessible via the internet, through which you may access your Account Information and which you have registered with Cheq (“Beforepay”) via one of our Products & Services or via a third party service.|
|Cheq, we, us and our||Cheq Ltd (ACN 633 925 505)|
|Paid Services||Our paid subscription services, providing functionality in addition to the main functions of our free of charge Products & Services|
|Personal Information||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||Our personal financial management app, data aggregation services that you have registered to use and short term loan services that you have entered into.|
This document was last updated September 2020