Terms of Service

1. Acceptance of Terms

These Terms of Service govern your access to and use of Recontraq, including the Recontraq website, web app, mobile app, downloads, and related services.

Recontraq is operated by Recontiq Pty Ltd. By accessing or using Recontraq, you agree to be bound by these terms. If you do not agree, you must not use the service.

These terms should be read with the Privacy Policy, Data Sharing page, Security page, Important Information page, and Complaints page.

2. Description of Service

Recontraq provides tools for personal budget tracking, bill visibility, subscription tracking, insurance policy organisation, reminder management, and related money commitment workflows.

Recontraq is designed to help you organise information. It does not provide financial, accounting, tax, legal, investment, insurance, or credit advice and is not a substitute for professional judgement.

3. Accounts and Access

• You must provide accurate and current information when creating an account or requesting access.
• You are responsible for keeping account credentials secure and for activity carried out through your account.
• You must notify us promptly if you become aware of unauthorised access or a security issue affecting your account.
• We may suspend or restrict access where reasonably necessary to protect the service, users, or data.

4. Acceptable Use

• Use Recontraq only for lawful purposes and in accordance with these terms.
• Do not upload malicious code, interfere with the service, bypass security controls, or attempt unauthorised access.
• Do not reverse-engineer, decompile, scrape, or use automated access methods except where permitted by law or approved by us in writing.
• Do not use Recontraq to process information unless you have the authority, consent, or other lawful basis required to do so.

5. Your Data

You retain ownership of the information and records you submit to Recontraq. You grant us a limited right to process that data only as reasonably necessary to provide, secure, support, and improve the service in accordance with our Privacy Policy.

You are responsible for checking information, reminders, dates, amounts, and outputs before relying on them. Recontraq may contain errors or incomplete information if source information is inaccurate, unavailable, or out of date.

6. Third-Party Services

Recontraq may connect with or rely on third-party services, such as hosting providers, identity providers, analytics tools, notification services, app stores, or authorised integrations.

Your use of a third-party service may also be subject to that provider's terms and policies. We are not responsible for third-party services outside our reasonable control.

7. Beta Features and Downloads

Some Recontraq features, mobile builds, downloads, or app links may be described as beta, preview, trial, early access, or coming soon. These features may change, be unavailable, or contain errors.

You should maintain your own records and use appropriate care when evaluating pre-release features or downloaded app builds.

8. Pricing and Payment

Where a Recontraq service is paid, applicable pricing, billing arrangements, and any commercial commitments will be disclosed when you subscribe, purchase, or enter into an agreement with us.

We may update pricing from time to time. Any change affecting an existing paid subscription will be communicated with reasonable notice where required.

9. Intellectual Property

Recontiq Pty Ltd retains ownership of the Recontraq website, platform, software, designs, branding, documentation, and related intellectual property. Except for the limited right to use the service under these terms, no rights are transferred to you.

You must not copy, modify, distribute, sell, or create derivative works from the service except where permitted by law or agreed by us in writing.

10. Availability and Liability

We aim to provide a reliable service, but we do not guarantee uninterrupted availability or that every feature will always operate without error.

To the maximum extent permitted by law, Recontiq Pty Ltd is not liable for indirect, incidental, special, or consequential loss arising from use of Recontraq. Nothing in these terms excludes, restricts, or modifies rights or remedies that cannot lawfully be excluded, including rights that may apply under the Australian Consumer Law.

11. Termination

You may stop using Recontraq at any time, subject to any agreed commercial commitments. We may suspend or terminate access where there is misuse, breach of these terms, non-payment, security risk, or legal necessity.

Following termination, the handling of retained information will be governed by applicable law, any agreed arrangements, and our Privacy Policy.

12. Governing Law and Contact

These terms are governed by the laws of South Australia, Australia. Any dispute relating to these terms or the service will be subject to the courts of South Australia, unless otherwise required by law.

If you have questions about these Terms of Service for Recontraq, contact us at [email protected].