Terms of service

Last updated 28 September 2026

These terms govern your use of cent4cent: this website, the signed-in application and any related services (the “Service”), operated by cent4cent (the operating entity will be named here before the service opens) (“cent4cent”, “we”, “us”). By creating an account or using the Service you agree to them. If you don’t agree, don’t use the Service. The privacy policy forms part of these terms.

1. What cent4cent is, and is not

cent4cent is personal bookkeeping software. It reads the statements you provide, proposes entries in a set of books, asks you about what it cannot determine, and keeps the books reconciled to your statements. You approve or correct its work; you remain responsible for your books.

cent4cent is not:

• A financial adviser. Nothing in the Service is financial product advice, personal or general, within the meaning of the Corporations Act 2001 (Cth) or any equivalent law. The Service describes your own money and projects from your own figures. It does not recommend, and you should not read anything it says as recommending, any financial product, investment, fund, loan, insurance or account. We do not hold an Australian financial services licence.
• A tax agent or accountant. Exports may help a professional prepare your affairs; they are not tax advice and not a return.
• A bank, a payment service or an aggregator. The Service never holds, moves or has access to your money or your bank credentials.

2. Eligibility and accounts

You must be at least 18 and able to enter a binding contract. Your account is yours: keep your sign-in details secure, and tell us promptly if you believe someone else has used them. You are responsible for what is done under your account, and for having the right to upload the statements and information you upload, including information about other people that appears in them.

3. The plan, the trial and billing

• The Service is offered as one plan with every feature, billed monthly or yearly. Current prices are shown on the pricing page (at the date of these terms, A$10 a month or A$100 a year, in Australian dollars and including any GST).
• The plan begins with a 14-day free trial. You do not need to give payment details to start it, and it costs nothing. To keep using the Service after the trial, you choose monthly or yearly billing and add a payment method. If you don’t, you are not charged, and you can still read and export your books, but you can’t bring in new statements until you subscribe.
• Subscriptions are billed in advance through Stripe, monthly or yearly as you choose, and renew automatically unless cancelled before the renewal date. We will email you before a yearly renewal.
• We may change prices on at least 30 days’ notice; a change takes effect at your next renewal, and you may cancel before then.

4. Cancellation and refunds

You can cancel at any time from inside the Service. Cancellation stops the next renewal; your access continues to the end of the period you have paid for, and you can export your books before then. If you cancel a yearly plan within 30 days of being charged for it, we will refund that payment in full. Otherwise we do not refund the unused part of a period except where the Australian Consumer Law or another law requires it, or where we choose to. Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.

5. Your books and your data

• You own your books. The statements, notes, answers, figures and the entries that result are yours. You grant us a licence to store, process and display them only as needed to provide the Service to you and the people you invite.
• Export any time, as CSV, JSON or Beancount text. Delete a book or close your account and it is deleted as the privacy policy describes.
• People you invite see what their role allows. You are responsible for whom you invite and for what they do in your book.
• Your own assistant. If you connect an AI assistant over MCP, you authorise it to read your books and to answer questions and approve proposals as you direct. What that assistant does with what it reads is governed by its provider’s terms, not ours.

6. The bookkeeper’s proposals

Entries, questions, rules, summaries and projections in the Service are generated by software, including large language models, from the statements and answers you provide. They are proposals for you to check. Although every entry is checked against the ledger’s balancing rules before it is shown, a balanced entry can still be filed in the wrong place, and a projection is only as good as its assumptions, which are shown to you. We do not warrant that any entry, summary or projection is correct for your circumstances, and you should not rely on the Service as the sole basis for a financial, legal or tax decision. Where it matters, ask a licensed professional, and give them the export.

7. Acceptable use

You must not use the Service to break the law; to upload statements or information you have no right to; to attempt to gain access to books or accounts that are not yours; to probe, disrupt or overload the Service; to upload malicious code; or to resell or reproduce the Service. We may suspend or end access immediately for a breach, for suspected fraud, or to protect the Service and its users, and we will tell you why unless the law prevents it.

8. Availability and changes

We aim to keep the Service available and will tell you about planned maintenance where we can. We may change or add features, and we may retire a feature on reasonable notice. If we ever close the Service, we will give at least 90 days’ notice and keep exports available for the whole of that period.

9. Intellectual property

The Service, its software, design and content are owned by cent4cent or its licensors. These terms give you a limited, non-exclusive, non-transferable right to use the Service while you have an account. Feedback you give us may be used to improve the Service without obligation to you.

10. Disclaimers

To the extent permitted by law, and subject to section 4, the Service is provided as is. We do not warrant that it will be uninterrupted or error-free, that every statement format will parse, or that the books it keeps will be free of misfiled entries. Information on this website about accounting, tax or the law is general in nature and not advice.

11. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special or consequential loss, or for loss of profit, revenue, data or opportunity, arising out of or in connection with the Service. Where our liability cannot be excluded but can be limited, it is limited to re-supplying the Service or, at our option, refunding the fees you paid us for the twelve months before the event giving rise to the claim. Nothing in this section limits rights that cannot be excluded under the Australian Consumer Law.

12. Indemnity

You indemnify us against loss, cost or claim arising from your breach of these terms, your misuse of the Service, or a third party’s claim that information you uploaded was uploaded without the right to do so.

13. Termination

You may close your account at any time. We may end these terms on 30 days’ notice, or immediately for a material breach. On termination we will keep exports available for at least 30 days unless the law requires otherwise, and then delete your books as the privacy policy describes.

14. General

These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of its courts. If any part of these terms is unenforceable, the rest still applies. We may update these terms; the current version is always on this website, and a material change is announced by email to customers at least 30 days before it takes effect. Continued use after that date is acceptance.

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