Terms and Conditions

These Terms and Conditions govern your use of the Grit2Gains App. By creating an account you agree to these terms.

1. Use of Service

Grit2Gains App provides financial insights and reporting tools for Australian trade businesses. You must be 18 years or older to use this service.

2. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3. Data and Privacy

Your use of the service is also governed by our Privacy Policy. By using the Grit2Gains App you consent to our data practices as described therein.

4. Xero Integration

When you connect your Xero account, you authorise Grit2Gains to access your accounting data in read-only mode. We do not modify your Xero data.

5. Anonymised Benchmarking Data

To provide industry benchmarking features, Grit2Gains may use your financial data in an anonymised and aggregated form. This means your individual business data is never shared or identifiable — only combined statistical summaries (such as industry averages) are used. By using the service you consent to this use of your data for benchmarking purposes.

6. Limitation of Liability

The Grit2Gains App is provided for informational purposes only. It does not constitute financial, tax, or accounting advice. We are not liable for any decisions made based on information presented in the application.

7. Changes to Terms

We may update these terms from time to time. Continued use of the service after changes constitutes acceptance of the new terms.

8. Refunds and Cancellations

Subscriptions are billed in advance and, unless required by the Australian Consumer Law or otherwise stated in these Terms, are not refundable for change of mind. If you cancel your subscription, your access will continue until the end of the current billing period, and no pro-rata refund will be provided for any unused portion of that period.

Nothing in these Terms excludes, restricts, or modifies any rights or remedies you may have under the Australian Consumer Law. If our service fails to meet a consumer guarantee, we will provide the remedy required by law, which may include a refund, repair, replacement, or resupply as applicable.

9. Disputes and Chargebacks

If you dispute a charge or initiate a chargeback, we may suspend the affected account while the matter is investigated. Where a chargeback or payment dispute is raised without reasonable grounds, or where a bank or card scheme requires us to pay fees, penalties, or related costs, you agree that we may recover our reasonable, documented costs to the extent permitted by law.

We do not seek to limit any rights you may have under card scheme rules, bank policies, or the Australian Consumer Law.

10. Contact

If you have questions about these terms, please contact us.