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Terms of Use

Last updated: 7 July 2026

1. About the Service

Welcome to Kaasa. This website and web application (the “Service”) is operated by [ENTITY] (ABN [ABN]) (“Kaasa”, “we”, “us”, “our”). The Service is a savings tracker that helps couples plan and track progress toward a house deposit, including savings targets, milestones, and progress calculations.

These Terms of Use (“Terms”) govern your access to and use of the Service. Please read them carefully together with our Privacy Policy, which forms part of these Terms.

2. Acceptance of the Terms

By creating an account, or by accessing or using the Service, you accept these Terms. If you do not agree, do not use the Service.

We may amend these Terms from time to time. We will give reasonable notice of material changes (by email or in-app notice). Your continued use of the Service after changes take effect constitutes acceptance of the amended Terms.

3. Eligibility and accounts

  • You must be at least 18 years old and capable of entering a legally binding agreement to use the Service.
  • You must provide accurate account information and keep it up to date.
  • You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately of any unauthorised use.
  • One account per person. You may not transfer or sell your account.

4. Free and paid plans

The Service offers a free plan and a paid plan:

  • Free plan — lets you view your tracker and update your total savings figure.
  • Paid plan — a one-time payment of $30 AUD that unlocks full editing of your savings targets and tracker settings, milestone tracking and notes, individual savings entries, notification preferences, and partner sharing.

The paid plan is a one-time purchase for your account, not a subscription. There are no recurring charges. We may change the price of the paid plan for future purchasers at any time; price changes do not affect features you have already purchased.

We may add, modify, or discontinue features of the Service from time to time. If we discontinue a material paid feature, section 8 (Refunds) and your rights under the Australian Consumer Law apply.

5. Payments

  • Payments are processed by our third-party payment provider, Stripe. By making a payment you also agree to Stripe's terms of service.
  • We do not store your card details.
  • You are responsible for any fees your bank or card issuer charges you (for example, international transaction fees).
  • All prices are in Australian dollars and include GST where applicable.

6. Partner sharing

  • A paid account holder may invite one partner by email to share their tracker.
  • Your partner needs their own Kaasa account and must accept the invitation using the invited email address.
  • You (the account owner) remain solely responsible for the account, including the decision to share your financial goal data with your partner.
  • You may revoke your partner's access at any time in Settings; revocation takes effect immediately.
  • Data your partner contributed while sharing was active remains on your tracker after revocation.
  • Partner access ends automatically if your account is closed.

7. Acceptable use

You must not:

  • use the Service for any unlawful purpose or in breach of any law;
  • attempt to gain unauthorised access to the Service, other users' accounts or data, or the systems on which the Service runs;
  • probe, scan, or test the vulnerability of the Service, or circumvent any security or access controls (including plan restrictions);
  • interfere with or disrupt the Service, including by transmitting malware or imposing an unreasonable load on our infrastructure;
  • scrape, harvest, or copy data from the Service, or use automated means to access the Service without our written consent;
  • reverse engineer, decompile, or disassemble any part of the Service except as permitted by law;
  • impersonate another person or misrepresent your affiliation with anyone;
  • resell, sublicense, or commercially exploit the Service without our written consent.

We may suspend or terminate your account for breach of this section (see section 13).

8. Refunds

  • Because the paid plan is a one-time digital purchase that is unlocked immediately, refunds are generally not provided for change of mind.
  • Nothing in these Terms excludes your rights under the Australian Consumer Law. If the Service has a major failure, you are entitled to a refund or other remedies as provided by law. If it has a minor failure, we may choose to fix it within a reasonable time.
  • To request a refund or remedy, contact us at the address in section 17.

9. Not financial advice

The Service is a planning and tracking tool only. It does not provide financial, investment, taxation, credit, or legal advice.

  • Calculations shown in the Service (deposit progress, gaps to target, monthly savings targets, milestone projections) are general in nature, based solely on figures you enter, and do not take into account your objectives, financial situation, or needs.
  • Figures such as property prices, deposit requirements, and lending criteria vary and change; the Service does not verify them.
  • Before making financial decisions — including decisions about buying property, borrowing, or structuring your savings — you should consider seeking advice from a licensed financial adviser, mortgage broker, or other qualified professional.
  • We are not responsible for decisions you make in reliance on information displayed by the Service.

10. Intellectual property and licence

  • All intellectual property in the Service — including software, design, text, graphics, and branding — is owned by or licensed to [ENTITY]. Nothing in these Terms transfers any intellectual property rights to you.
  • We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service for your own personal, non-commercial purposes in accordance with these Terms.
  • Your data remains yours. You retain ownership of the savings and goal data you enter. You grant us a licence to host, store, process, back up, transmit, and display that data as needed to provide and improve the Service, consistent with our Privacy Policy.

11. Privacy

Our collection and handling of your personal information is governed by our Privacy Policy. By using the Service you consent to that collection and handling.

12. Disclaimer

To the maximum extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-interruption. We do not warrant that the Service will be error-free, secure, or continuously available, or that data loss will not occur. You should keep your own records of your savings.

Nothing in this section limits any consumer guarantee or other right you have under the Australian Consumer Law or other law that cannot lawfully be excluded.

13. Termination

By you: You may stop using the Service at any time and may request deletion of your account by contacting us (see section 17). Account deletion is permanent and includes your tracker data; the one-time paid plan fee is not refundable on voluntary deletion except as required by law.

By us: We may suspend or terminate your account:

  • immediately, if you breach these Terms (including the acceptable use rules in section 7);
  • if we are required to by law; or
  • if we discontinue the Service — in which case we will give you reasonable advance notice and a reasonable opportunity to export your data, and consumers' rights under the Australian Consumer Law in respect of paid features apply.

On termination, your licence to use the Service ends and we may delete your data in accordance with our Privacy Policy.

14. Limitation of liability

To the maximum extent permitted by law:

  • our total aggregate liability to you in connection with the Service is limited to the greater of (a) the amount you paid us for the Service and (b) AUD $100; and
  • we are not liable for any indirect, incidental, special, or consequential loss, loss of profits, loss of savings or anticipated savings, loss of data, or loss of opportunity, however arising, even if we were advised of the possibility of that loss.

Where liability under a consumer guarantee cannot be excluded but can be limited, our liability is limited to resupplying the Service or paying the cost of resupply.

15. Indemnity

You indemnify us against all liabilities, costs, and expenses (including reasonable legal costs) arising from your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right, except to the extent caused by our own negligence or breach.

16. Disputes, governing law, and general

  • Disputes: Before commencing court proceedings, you agree to first contact us in writing describing the dispute and to negotiate in good faith for 28 days to attempt resolution. This does not prevent either party from seeking urgent interlocutory relief, and does not limit your right to complain to a regulator (including the OAIC or ACCC).
  • Governing law: These Terms are governed by the laws of [STATE], Australia. The parties submit to the non-exclusive jurisdiction of the courts of [STATE].
  • Severance: If any provision of these Terms is void or unenforceable, it is severed and the remaining provisions continue in force.
  • No waiver: A failure to enforce a provision is not a waiver of it.
  • Entire agreement: These Terms and the Privacy Policy constitute the entire agreement between you and us in relation to the Service.

17. Contact

Questions about these Terms: Email: hello@getkaasa.com