Terms and conditions
FOR OUR SPENDSHIFT MEMBERSHIP
Welcome to our SpendShift Membership!
In these terms, we also refer to SpendShift Enterprises Pty Ltd ABN 22 689 089 610 as “SpendShift”, “our”, “we”, or “us”.
And you are you!
What are these terms about?
These terms apply when you sign up for our membership (whether free or paid) through our website hosted on Squarespace, being https://www.spendshift.com.au and any other websites we operate with the same domain name and a different extension (Website).
Key Words used in these terms
To make it easier for you to understand the terms on which we provide, and you use, the Membership, we’ve tried to keep these terms of use (terms) as simple as possible by using plain English.
When we say “Membership” in these terms, we mean our SpendShift Membership itself (in either the free or paid tier) and any of the services provided during the Membership, including access to educational resources, bite-sized financial tips, a regular bulletin/newsletter, and other digital materials as stated on our Website (Member Benefits). The Membership provides general information only and does not constitute financial advice.
We’ve also used a few other capitalised words and phrases as shorthand to refer to recurring concepts. Each of these are defined in bold and in brackets after the concepts are first mentioned.
Acceptance of these terms
Before you purchase our Membership, or otherwise engage with the Membership, please carefully read these terms. If you don’t agree to these terms, please don’t purchase the Membership. By clicking “accept” when you create an account, or otherwise proceed to engage with the Membership, you agree to be bound by these terms.
DISCLAIMER: NOT FINANCIAL ADVICE
The Membership provides general financial information and educational content only. For example, it includes practical tips on money-saving, money-making ideas, economic updates, and subscriber stories, but these are not tailored to your individual circumstances. It does not take into account your personal financial situation, objectives, or needs and is not intended to be, and must not be relied upon as, financial advice, investment advice, or any recommendation. We are not licensed to provide financial product advice under the Corporations Act 2001 (Cth). By accessing the Membership, you acknowledge that you have read and understood this disclaimer and agree not to rely on the content as advice. You should seek independent professional advice from a qualified financial adviser before making any financial decisions. To the maximum extent permitted by law, we disclaim all liability for any loss or damage arising from reliance on the Membership content.
1 PURCHASING the Membership
To sign up for the Membership (whether free or paid), you will need to create an account (Account) using the Website’s functionality.
For the paid tier, once you have purchased your Membership, the term of the Membership will automatically renew at the end of each year unless you cancel your Membership in accordance with clause 7.1. We will provide you with a reminder notice at least 14 days before each renewal date, including details of any Fee changes. The free tier does not automatically renew but may be subject to ongoing access at our discretion.
By creating an Account and paying the Fees or otherwise accessing the Membership (Membership Purchase) you represent and warrant that:
you have the legal capacity and are of sufficient age to enter into a binding contract with us (or someone of sufficient age and capacity is contracting on your behalf);
you are authorised to use the debit or credit card you provide for your Membership Purchase; and
you agree that the Membership is for your personal use only and not for commercial purposes.
Signing up for the Membership constitutes your acceptance to enter into a contract with us under these terms, where we will provide you with the Membership in exchange for your payment of the total Fees listed upon checkout (for the paid tier only).
These terms are not agreed between you and us until we have approved your payment of the Fees and you receive an email from us confirming that your Membership Purchase has been accepted, or, for the free tier, until we confirm your Account creation.
We reserve the right to reject or cancel any Membership Purchase if we reasonably believe it breaches these terms or applicable laws, in which case we will refund any Fees paid.
2 Your Membership
The Membership is designed to provide our customers with the Member Benefits, which vary by tier:
Free tier: one monthly money-making or money-saving idea (practical tips only) subject to these terms;
Paid tier: one weekly money-making or money-saving idea, plus a monthly bulletin on economic updates, supermarket savings, and subscriber stories.
We will endeavour to ensure that the Membership provided will be substantially the same as the Membership as described on our Website.
The Member Benefits are subject to change at our discretion. We will provide at least 30 days' notice of material changes (such as removal of key features like the weekly tips or bulletin) via email or the Website. If a material change adversely affects you, you may cancel your Membership and receive a pro-rata refund of any prepaid Fees for the remaining term.
Once we have received payment of the Fees (for the paid tier) or confirmed your Account (for the free tier), you will be granted access to the Membership.
You are responsible for managing your Account and ensuring that you only access and engage with the Membership in an appropriate manner.
3 Your account
Your SpendShift Membership will be valid as follows:
Free tier: ongoing access subject to these terms;
Paid tier: one year from sign-up, renewing annually (Membership Term).
You must not give access to your Membership to any other person.
We will only revoke your Membership and terminate your Account if we have reasonable grounds to believe you are misusing the Membership (for example, by sharing access credentials, engaging in commercial use, or breaching these terms). We will provide you with notice of the reasons and an opportunity to respond within 7 days before revocation, unless immediate action is required to prevent harm or legal breach. In the event of revocation, you may be entitled to a pro-rata refund of prepaid Fees if the revocation is not due to your breach.
4 PAYMENT
All Fees are:
for the paid tier, $15 per year (or as otherwise displayed at checkout) (Fees) and must be paid annually in advance;
in Australian Dollars; and
subject to change without notice prior to your Membership Purchase.
All Fees must be paid in advance and, where you grant us permission via our Payment Provider, we will direct debit the amount of the Fees annually upon renewal for the paid tier, subject to the reminder notice in clause 1(b). You may revoke debit permission at any time.
We reserve the right, from time to time, to change the Fees. We will notify you in advance if we do this.
(Payment obligations) For the paid tier, you must pay the Fees at the time of sign-up.
(GST) Unless otherwise indicated, amounts stated on the Website include GST. In relation to any GST payable for a taxable supply by us, you must pay the GST subject to us providing a tax invoice to you.
(Card surcharges We reserve the right to charge credit card surcharges in the event that payment of the Fees is made using a credit, debit or charge card (including Visa, MasterCard or American Express), but such surcharges will not exceed our reasonable costs of acceptance.
(Online payment partner) We may use third-party payment providers (Payment Providers) to collect payment of the Fees for Memberships. The processing of payments by the Payment Provider will be, in addition to these terms, subject to the terms, conditions and privacy policies of the Payment Provider and we are not liable for the security or performance of the Payment Provider. We reserve the right to correct, or to instruct our Payment Provider to correct, any errors or mistakes in collecting your Fees.
(Pricing errors) In the event that we discover an error or inaccuracy in the Fees for your Membership Purchase, we will attempt to contact you and inform you of this as soon as possible. You will then have the option of purchasing the Membership at the correct Fees or cancelling your Membership Purchase. If you choose to cancel your Membership Purchase and the Fees have already been debited, the full amount will be credited back to your original method of payment.
(Refunds) SpendShift memberships are non-refundable. Refunds may only be provided in special circumstances at our discretion, and nothing in this clause limits your rights under the Australian Consumer Law.
5 COLLECTION NOTICE AND PRIVACY
We collect limited personal information about you, primarily contact details, in the course of providing you with our Membership, to contact and communicate with you, to respond to your enquiries and for other purposes set out in our Privacy Policy.
Our Privacy Policy contains more information about how we use, disclose and store your information and details how you can access and correct your personal information.
By agreeing to these Terms, you agree to be bound by the clauses outlined in our Privacy Policy.
6 INTELLECTUAL PROPERTY
6.1 OUR IP
Intellectual Property Rights in the Membership and our Member Benefits and any other related information or materials (materials) are owned or licensed by us. Except as permitted under applicable laws, no part of the material can be reproduced, adapted, distributed, displayed, transmitted or otherwise exploited for any commercial purposes without our express written consent.
You will not under these terms acquire Intellectual Property Rights in any of Our IP. You acknowledge that all Intellectual Property Rights in the Membership remain vested in us and you receive a limited, non-exclusive, non-transferable licence to access the materials for personal use during your Membership Term only.
6.2 DEFINITIONS
For the purposes of this clause 6:
“Our IP” means all materials owned or licensed by us and any Intellectual Property Rights attaching to those materials.
“Intellectual Property Rights” means any and all present and future intellectual and industrial property rights throughout the world (whether registered or unregistered), including copyright, trade marks, designs, patents, moral rights, semiconductor and circuit layout rights, trade, business, company and domain names, and other proprietary rights, trade secrets, know-how, technical data, confidential information and the right to have information kept confidential, or any rights to registration of such rights (including renewal), whether created before or after the date of this agreement.
6.3 USER CONTENT
If you submit content (e.g., subscriber stories), you grant us a non-exclusive, royalty-free licence to use it for Membership purposes. You retain ownership and warrant it does not infringe third-party rights. We may remove or edit such content if it breaches these terms.
7 CHANGES TO YOUR MEMBERSHIP
7.1 CANCELLATION
You may cancel your Membership at any time prior to the end of the then current Membership by using the functionality provided on the Website or contacting us directly. Your Membership will end at the end of the then current Membership term. For the paid tier, if you cancel mid-term due to a material change under clause 2(c) or our breach, you will receive a pro-rata refund of prepaid Fees for the unused portion.
7.2 REFUNDS
We do not offer change of mind refunds except as provided in clause 4(i). We may however at our sole discretion offer a full or partial refund.
Nothing in this clause 7 is intended to limit or otherwise affect the operation of any of your rights which cannot be excluded under applicable law, including the Competition and Consumer Act 2010 (Cth).
8 THIRD PARTY SERVICES, CONTENT, TERMS AND WEBSITES
8.1 THIRD PARTY GOODS AND SERVICES
The Membership is hosted on Squarespace and subject to Squarespace's terms found here. We are not liable for any third-party platform issues.
To the maximum extent permitted under applicable law and our agreements with any applicable third parties, we will not be liable for any acts or omissions of those third parties, including in relation to any fault or error of the Membership or any issues experienced while using the Membership, except where such issues arise from our negligence or breach.
8.2 THIRD PARTY CONTENT
In accessing your Membership, you may be exposed to text, images, data and other content provided by a third party and displayed in the information provided through the Membership (Third Party Content). We accept no responsibility for Third Party Content and make no representation, warranty or guarantee about the quality, suitability, accuracy, reliability, currency or completeness of Third Party Content.
8.3 LINKS TO OTHER WEBSITES
The Membership may contain links to other websites that are not our responsibility. We have no control over the content of any linked websites, and we are not responsible for that content.
Inclusion of any linked website on the Membership does not imply our approval or endorsement of the linked website.
9 SECURITY
We take reasonable steps to secure the Membership and your Account in accordance with industry standards. However, we do not accept responsibility for loss or damage to computer systems, mobile phones or other electronic devices arising in connection with use of the Membership. You should take your own precautions to ensure that the process that you employ for accessing the Membership and your Account does not expose you to risk of viruses, malicious computer code or other forms of interference.
10 NOTICES
A notice or other communication to a party under these terms must be:
in writing and in English; and
delivered to the other party via email, to the email address most regularly used by the parties to correspond regarding the subject matter of these terms as at the date of these terms (Email Address). The parties may update their Email Address by notice to the other party.
Unless the party sending the notice knows or reasonably ought to suspect that the email was not delivered to the other party’s Email Address, notice will be taken to be given:
24 hours after the email was sent, unless that falls on a Saturday, Sunday or a public holiday in the state or territory whose laws govern this agreement, in which case the notice will be taken to be given on the next occurring business day in that state or territory; or
when replied to by the other party,
whichever is earlier.
11 LIABILITY
To the maximum extent permitted by law, the total liability of each party in respect of loss or damage sustained by the other party in connection with these terms, the Membership, the Website, the Member Benefits, or any other goods or services provided by us, is limited to the value of the Fees (if any) paid for the Membership in the 12 months preceding the claim. If no Fee has been paid, our liability is limited to $100 or resupply of the services, at our election.
All express or implied representations and warranties in relation to the Membership, the Website, the Member Benefits, these terms or any other goods or services provided by us are, to the maximum extent permitted by applicable law, excluded, except for those that cannot be excluded under the ACL.
Nothing in these terms is intended to limit the operation of the Australian Consumer Law contained in the Competition and Consumer Act 2010 (Cth) (ACL). Under the ACL, you may be entitled to certain remedies (like a refund or replacement) if there is a failure with the goods or services we provide.
(Consequential loss) To the maximum extent permitted by law, neither party will be liable for any incidental, special or consequential loss or damages, or damages for loss of data, business or business opportunity, goodwill, anticipated savings, profits or revenue in connection with this agreement or any goods or services provided by us except:
in relation to a party’s liability for fraud, personal injury, death or loss or damage to tangible property; or
to the extent this liability cannot be excluded under the Competition and Consumer Act 2010 (Cth).
12 DISPUTE RESOLUTION
A party claiming that a dispute has arisen under or in connection with this agreement must not commence court proceedings arising from or relating to the dispute, other than a claim for urgent interlocutory relief, unless that party has complied with the requirements of this clause.
A party that requires resolution of a dispute which arises under or in connection with this agreement must give the other party or parties to the dispute written notice containing reasonable details of the dispute and requiring its resolution under this clause.
Once the dispute notice has been given, each party to the dispute must then use its best efforts to resolve the dispute in good faith. If the dispute is not resolved within a period of 14 days (or such other period as agreed by the parties in writing) after the date of the notice, any party to the dispute may take legal proceedings to resolve the dispute.
13 GENERAL
13.1 GOVERNING LAW AND JURISDICTION
These terms are governed by the law applying in New South Wales, Australia. Each party irrevocably submits to the exclusive jurisdiction of the courts of New South Wales, Australia and courts of appeal from them in respect of any proceedings arising out of or in connection with these terms. Each party irrevocably waives any objection to the venue of any legal process on the basis that the process has been brought in an inconvenient forum.
13.2 WAIVER
No party to these terms may rely on the words or conduct of any other party as a waiver of any right unless the waiver is in writing and signed by the party granting the waiver.
13.3 SEVERANCE
Any term of these terms which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity and enforceability of the remainder of these terms is not limited or otherwise affected.
13.4 JOINT AND SEVERAL LIABILITY
An obligation or a liability assumed by, or a right conferred on, two or more persons binds or benefits them jointly and severally.
13.5 ASSIGNMENT
You cannot assign, novate or otherwise transfer any of its rights or obligations under these terms without the prior written consent of the other party. We can assign the rights or novate these terms in whole or part without your consent, on notice which may be communicated electronically on the website or by email.
13.6 COSTS
Except as otherwise provided in these terms, each party must pay its own costs and expenses in connection with negotiating, preparing, executing and performing these terms.
13.7 ENTIRE AGREEMENT
These terms embodies the entire agreement between the parties and supersedes any prior negotiation, conduct, arrangement, understanding or agreement, express or implied, in relation to the subject matter of these terms.
13.8 INTERPRETATION
(singular and plural) words in the singular includes the plural (and vice versa);
(gender) words indicating a gender includes the corresponding words of any other gender;
(defined terms) if a word or phrase is given a defined meaning, any other part of speech or grammatical form of that word or phrase has a corresponding meaning;
(person) a reference to “person” or “you” includes an individual, the estate of an individual, a corporation, an authority, an association, consortium or joint venture (whether incorporated or unincorporated), a partnership, a trust and any other entity;
(party) a reference to a party includes that party’s executors, administrators, successors and permitted assigns, including persons taking by way of novation and, in the case of a trustee, includes any substituted or additional trustee;
(these terms) a reference to a party, clause, paragraph, schedule, exhibit, attachment or annexure is a reference to a party, clause, paragraph, schedule, exhibit, attachment or annexure to or of these terms, and a reference to these terms includes all schedules, exhibits, attachments and annexures to it;
(document) a reference to a document (including these terms) is to that document as varied, novated, ratified or replaced from time to time;
(headings) headings and words in bold type are for convenience only and do not affect interpretation;
(includes) the word “includes” and similar words in any form is not a word of limitation; and
(adverse interpretation) no provision of these terms will be interpreted adversely to a party because that party was responsible for the preparation of these terms or that provision.
Last updated on 25 July 2025