ABOUT THIS PRIVACY POLICY

1. We are committed to protecting your privacy and to handling personal information in accordance with the Privacy Act 1988 (Cth) (the Privacy Act), the Australian Privacy Principles (APPs), and, in relation to financial data accessed through the Consumer Data Right, Part IVD of the Competition and Consumer Act 2010 (Cth) and the Competition and Consumer (Consumer Data Right) Rules 2020 (the CDR Rules).

2. By creating an account or otherwise using the App, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with how we handle personal information, you should not use the App.

3. This Privacy Policy forms part of, and should be read together with, our Collection Notice, our Consent Form and the App Terms and Conditions.

DEFINITIONS

1. In this Privacy Policy:

APPs means the Australian Privacy Principles set out in Schedule 1 to the Privacy Act.

Basiq means Basiq Pty Ltd ABN 95 616 592 011, an accredited data recipient under the Consumer Data Right whom we engage to collect CDR Data on our behalf.

CDR means the Consumer Data Right established under Part IVD of the Competition and Consumer Act 2010 (Cth).

CDR Data means information about you or your banking products and transactions that is accessed through the CDR and disclosed to us, and any data derived from it.

Partner means a person you link with in the App to form a couple and with whom you share selected information.

Personal information has the meaning given in the Privacy Act, and generally means information or an opinion about an identified individual, or an individual who is reasonably identifiable.

Sensitive information has the meaning given in the Privacy Act, and includes information about a person's health.

We, us and our mean Mauxie Pty Ltd, and you and your mean the individual using the App.

THE KINDS OF PERSONAL INFORMATION WE COLLECT

1. The kinds of personal information we collect depend on how you use the App. They include the categories described in this clause.

   1. Account and profile information: your email address, display name and, if you choose to provide it, a profile picture and other profile details you enter.

   2. Partner linkage and relationship content: the identifier that links your account to your Partner's account, and the content you create or share in the App, including tasks, reminders, notes, appreciation messages, milestones, dates and events.

   3. Financial data (CDR Data): if you choose to connect a bank account, information about your accounts and transactions accessed through the CDR, as described in clause 6. We do not receive or store your banking log-in credentials.

   4. Calendar data: if you connect a calendar, event details such as titles, start and end times, location and attendees, used to display your schedule and detect overlaps.

   5. Technical and usage data: information about your device and how you use the App, including device model, operating system version, app version, in-app activity, crash reports and performance data.

   6. Communications: the content of any enquiry, support request or other communication you send us.

2. Some relationship content and financial information may constitute sensitive information. We only collect sensitive information where you have consented to that collection and it is reasonably necessary for a function of the App, or where the collection is otherwise permitted by law.

HOW WE COLLECT PERSONAL INFORMATION

1. We collect personal information in the following ways:

   1. directly from you, when you create an account, complete your profile, enter content, connect a service or contact us;

   2. from your Partner, to the extent they share content with you or link their account to yours;

   3. from Basiq, when you connect a bank account and CDR Data is disclosed to us as described in clause 6;

   4. from third-party platforms you connect, such as your calendar provider; and

   5. automatically, through your use of the App, using the analytics and infrastructure tools described in clause 9.

2. Where it is reasonable and practicable, we collect personal information about you directly from you. If we receive personal information about you that we did not solicit, we will deal with it in accordance with the APPs.

WHY WE COLLECT, HOLD, USE AND DISCLOSE PERSONAL INFORMATION

1. We collect, hold, use and disclose personal information for the following purposes:

   1. to create and administer your account and verify your identity;

   2. to provide the core features of the App, including task coordination, shared calendars, appreciation flows, relationship milestones, the Spending and Values dashboard and the Tenor Score;

   3. to enable you to link with, and share selected information with, your Partner;

   4. to provide optional financial features using CDR Data, as described in clause 6;

   5. to provide the artificial intelligence features described in clause 8;

   6. to process your subscription and manage billing;

   7. to respond to your enquiries and provide support;

   8. to maintain, secure, test and improve the App, including diagnosing faults and analysing usage;

   9. to send you service messages and, where permitted, communications about the App, as described in clause 11; and

   10. to comply with our legal obligations and to establish, exercise or defend legal claims.

2. We will not use or disclose your personal information for a purpose other than the purpose for which it was collected, unless you would reasonably expect us to do so for a related purpose, you have consented, or the use or disclosure is otherwise permitted or required by law.

CONSUMER DATA RIGHT AND FINANCIAL DATA

1. The App offers optional features that use financial data to power the Spending and Values dashboard. Where you choose to connect an Australian bank account, that data is accessed under the CDR.

2. We access CDR Data through Basiq, which is an accredited data recipient under the CDR. We act as a CDR representative of Basiq. This means Basiq collects CDR Data on our behalf under the CDR framework, and we handle that CDR Data in accordance with the CDR Rules.

3. We will only collect, use or disclose CDR Data where you have given a valid consent through the consent process presented to you, and only to the extent needed to provide the features you have asked for. This reflects the data minimisation principle under the CDR Rules, which requires that we do not collect more CDR Data, or hold it for longer, than is reasonably needed.

4. When you connect an account, the information disclosed to us may include your account names, types and balances, and transaction details such as amounts, dates, categories and merchant names. We do not receive or store your online banking log-in credentials.

5. In handling CDR Data, we comply with the privacy safeguards in the CDR Rules that apply to us as a CDR representative, and we store CDR Data in Australia.

6. We will not use CDR Data for credit scoring, for advertising, or to make decisions that would produce legal or similarly significant effects about you, and we will not sell CDR Data.

7. You can withdraw your consent and disconnect your financial accounts at any time in the App. When you do, we will stop collecting new CDR Data and will, within 30 days, delete or de-identify the CDR Data we hold in accordance with the CDR Rules, unless we are required to retain it by law.

8. If you have a complaint that relates to CDR Data, please contact us using the details in clause 20. We may be required to involve Basiq in handling that complaint.

LINKED ACCOUNTS, SHARING WITH YOUR PARTNER AND SEPARATION

1. The App is designed for couples. When you link with a Partner, you each keep your own account and control what you share. Content you choose to share, such as tasks, calendar overlaps, appreciation messages and Spending and Values information, becomes visible to your Partner.

2. Once information has been shared with your Partner, your Partner may have seen, saved or recorded that information. We cannot retrieve or delete information that your Partner has already accessed or exported.

3. You and your Partner each control, and are responsible for, the information you each choose to connect and share, including your own financial data. Connecting your own bank account does not give your Partner access to your underlying transaction detail unless you choose to share it.

4. You can unlink from your Partner at any time. When you unlink:

   1. you and your Partner each retain your own account and the content you each created;

   2. shared couple content stops being updated between the accounts from the time of unlinking;

   3. any connected financial accounts are treated as disconnected for the couple's shared features, and CDR Data is dealt with under clause 6.7; and

   4. historical shared content that already exists in each account may remain in that account unless you or your Partner deletes it.

5. If you are concerned about a former Partner's continued access to shared content, or you need to remove shared content urgently (for example, following a relationship breakdown or a safety concern), please contact us using the details in clause 20 and we will assist you as quickly as we reasonably can.

ARTIFICIAL INTELLIGENCE FEATURES

1. Artificial intelligence is an integral part of the App. It operates as an underlying layer that provides suggestions, prompts and insights across the App, and it cannot be switched on or off separately. These features are powered by Claude, a service provided by Anthropic, PBC.

2. When you use the App, limited information is sent to the AI service for processing, such as summaries of your in-app activity and text you enter into features that use AI. We do not send raw CDR Data, full calendar event details or the content of messages between you and your Partner to the AI service.

3. Because these features are an integral part of the App, they cannot be switched off separately. If you do not want your information to be handled in this way, you should not use the App.

DISCLOSURE OF PERSONAL INFORMATION

1. We do not sell your personal information. We disclose personal information only as described in this Privacy Policy, including:

   1. to your Partner, to the extent you choose to share it;

   2. to our service providers, who help us operate the App, including Google LLC (for the Firebase authentication, database, messaging, crash reporting and performance tools, and, for the Android version of the App, app distribution and subscription billing), Apple Inc. (for app distribution and subscription billing), Basiq (for CDR Data) and Anthropic, PBC (for AI features);

   3. to professional advisers, such as our lawyers and accountants, where reasonably necessary;

   4. to a purchaser or potential purchaser if we sell or reorganise our business, subject to equivalent privacy protections; and

   5. to a person or body where we are required or authorised by law to do so, including to a court, tribunal or regulator.

2. We require our service providers to handle personal information consistently with this Privacy Policy and applicable law, and to use it only for the purpose of providing their services to us.

OVERSEAS DISCLOSURE

1. Some of our service providers, or their infrastructure, may be located outside Australia, including in the United States. Where we disclose personal information to an overseas recipient, we take reasonable steps to ensure the recipient handles it consistently with the APPs.

2. CDR Data is stored in Australia and is handled in accordance with the CDR Rules, as described in clause 6.

COMMUNICATIONS AND DIRECT MARKETING

1. We may send you service messages that are necessary to operate the App, such as account, security and billing notices. You cannot opt out of these while you hold an account.

2. We will only send you promotional communications where you have consented or where we are otherwise permitted to do so under the Spam Act 2003 (Cth) and the Privacy Act. You can opt out of promotional communications at any time using the unsubscribe function or by contacting us. We do not use CDR Data for direct marketing except as permitted by the CDR Rules.

HOW WE KEEP PERSONAL INFORMATION SECURE

1. We take reasonable steps to protect personal information from misuse, interference and loss, and from unauthorised access, modification or disclosure. These steps include encrypting data in transit using TLS 1.2 or higher and data at rest using AES-256, access controls through Firebase Security Rules that restrict couple data to the linked accounts, storing API keys and credentials in the iOS Keychain rather than in plain text, and support for device-level authentication such as Face ID and Touch ID.

2. No method of transmission or storage is completely secure. While we work to protect your personal information, we cannot guarantee absolute security.

3. You are responsible for keeping your device and account secure, including keeping your log-in details confidential.

DATA BREACHES

1. We maintain procedures to detect, assess and respond to data breaches. If we become aware of an eligible data breach that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) in accordance with the Notifiable Data Breaches scheme in Part IIIC of the Privacy Act. Where a breach involves CDR Data, we will also comply with the notification requirements under the CDR Rules.

RETENTION AND DESTRUCTION

1. We hold personal information only for as long as it is needed for the purposes described in this Privacy Policy, or as required by law. When personal information is no longer needed, we take reasonable steps to destroy it or to ensure it is de-identified.

2. When you delete your account, we will delete or de-identify your personal information as set out below, except where we are required to retain certain information by law or need it to resolve a dispute or enforce our agreements:

   1. profile and account data: within 7 days of deletion;

   2. shared couple data: within 30 days of deletion, or immediately if both partners delete their accounts;

   3. financial data: within 30 days of disconnection or account deletion, and otherwise dealt with under clause 6.7; and

   4. anonymised or aggregated data that does not identify you: may be retained indefinitely.

ACCESS AND CORRECTION

1. You have the right to ask for access to the personal information we hold about you, and to ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading. Many of these details can be viewed and updated directly in the App.

2. To make an access or correction request, contact us using the details in clause 20. We will respond within a reasonable period. There is no charge for making a request, although we may charge a reasonable amount for giving access in some cases. If we refuse a request, we will tell you why in writing and how you can complain.

COMPLAINTS

1. If you have a concern or complaint about how we have handled your personal information, please contact us using the details in clause 20. We will acknowledge your complaint and aim to resolve it within a reasonable period.

2. If you are not satisfied with our response, you may complain to the OAIC at oaic.gov.au or by telephone on 1300 363 992. If your complaint relates to CDR Data, you may also complain to the OAIC as the recognised external dispute resolution body for the CDR.

CHILDREN

1. The App is intended for adults. We do not knowingly collect personal information from anyone under 18 years of age. If you believe a person under 18 has provided us with personal information, please contact us and we will take reasonable steps to delete it.

OUR WEBSITE

1. Our website may use cookies and similar technologies to help it function and to understand how it is used. You can manage cookies through your browser settings. Our website may link to third-party sites, which have their own privacy practices that we do not control.

CHANGES TO THIS PRIVACY POLICY

1. We may update this Privacy Policy from time to time. If we make a material change, we will take reasonable steps to notify you, such as through the App or by email, and we will update the effective date at the top of this Privacy Policy. The version that applies is the one in effect when you use the App.

HOW TO CONTACT US

1. If you have any questions about this Privacy Policy, or wish to make a request or complaint, please contact us:

   1. Privacy contact: Mauxie Pty Ltd

   2. Email: privacy@mauxie.com.au

WHO IS COLLECTING YOUR INFORMATION

1. Mauxie Pty Ltd, the developer and operator of the Tenor application (App), collects your personal information. You can contact us at privacy@mauxie.com.au.

WHAT WE COLLECT AND WHY

1. Depending on how you use the App, we collect your account and profile details, the relationship content you create or share with your partner, technical and usage data, and, if you choose to use them, calendar data and financial data. We collect this information to create your account, provide and improve the features of the App, process your subscription, provide support, and comply with the law.

2. Some of this information may be sensitive information. We only collect sensitive information with your consent and where it is reasonably necessary for a feature of the App.

FINANCIAL DATA AND THE CONSUMER DATA RIGHT

1. If you connect an Australian bank account, financial data is accessed under the Consumer Data Right (CDR). We access this data through Basiq Pty Ltd, an accredited data recipient, and we act as its CDR representative. We only collect this data with your consent and only to the extent needed to provide the features you choose. CDR data is stored in Australia and handled under the Competition and Consumer (Consumer Data Right) Rules 2020. You can withdraw your consent and disconnect at any time.

HOW WE COLLECT IT

1. We collect personal information directly from you, from your partner to the extent they share content, from Basiq when you connect a bank account, from platforms you connect such as your calendar provider, and automatically through your use of the App.

IF YOU DO NOT PROVIDE IT

1. You do not have to provide the information we ask for, but if you do not, we may not be able to provide some or all of the App's features to you.

WHO WE SHARE IT WITH

1. We share personal information with your partner to the extent you choose, and with service providers who help us run the App, including Google (Firebase), Apple, Basiq and Anthropic. Some of these providers, or their infrastructure, are located overseas, including in the United States. We do not sell your personal information. Our full Privacy Policy sets out these disclosures in detail.

YOUR RIGHTS

1. You can ask to access or correct your personal information, and you can make a privacy complaint, by contacting us at privacy@mauxie.com.au. If you are not satisfied with our response, you can complain to the Office of the Australian Information Commissioner at oaic.gov.au. Our Privacy Policy explains these rights and how to exercise them.

CONSENT TO HANDLE YOUR PERSONAL INFORMATION

1. You consent to us collecting, holding, using and disclosing your personal information for the purposes, and in the ways, described in our Privacy Policy.

CONSENT TO COLLECT SENSITIVE INFORMATION

1. You understand that some of the content you create or share in the App, and some financial information, may be sensitive information. You consent to us collecting, holding, using and disclosing that sensitive information for the purposes described in our Privacy Policy, including to provide the relationship and Spending and Values features you choose to use.

CONSENT FOR FINANCIAL DATA UNDER THE CONSUMER DATA RIGHT

1. If you choose to connect a bank account, you consent to us providing that optional financial feature, under which financial data is accessed under the Consumer Data Right (CDR).

2. You understand that we access this data through Basiq Pty Ltd, an accredited data recipient, that we act as its CDR representative, and that the specific CDR consent (including what data is collected and for how long) is captured through the separate consent process presented to you when you connect an account.

3. You understand that this data is used only to provide the features you have chosen, is stored in Australia, is not sold, and is not used for credit scoring or advertising.

CONSENT TO SHARE INFORMATION WITH YOUR PARTNER

1. You understand that the App is designed for couples. You consent to us making the content you choose to share visible to the partner you link with, and you understand that, once shared, that content may have been seen or saved by your partner and cannot always be recalled.

CONSENT TO ARTIFICIAL INTELLIGENCE FEATURES

1. You understand that the App's artificial intelligence features are an integral part of the App, operate as an underlying layer and cannot be switched on or off separately. You consent to limited information being sent to Anthropic, PBC to generate suggestions and insights, as described in our Privacy Policy. You understand that raw CDR data, full calendar event details and the content of messages between you and your partner are not sent to the AI service.

CONSENT TO OVERSEAS DISCLOSURE

1. You consent to us disclosing your personal information to service providers located outside Australia, including in the United States, as described in our Privacy Policy, on the basis that we take reasonable steps to ensure they handle it consistently with the Australian Privacy Principles. CDR data is stored in Australia.

CONSENT TO COMMUNICATIONS (OPTIONAL)

1. Service messages about your account, security and billing are necessary and are not optional while you hold an account. Separately, you may choose to receive news and updates about the App:

   1. [ ] Yes, I would like to receive occasional news and updates about the App.

   2. [ ] No, I do not want to receive news and updates.

2. You can change this choice at any time.

WITHDRAWING YOUR CONSENT

1. You can withdraw any consent at any time. You can disconnect financial accounts, unlink from your partner, opt out of optional communications, and delete your account. Withdrawing consent does not affect anything we did lawfully before the withdrawal. If you withdraw a consent that is necessary for a feature, that feature may no longer be available to you. Because the artificial intelligence features are an integral part of the App and cannot be switched off separately, the only way to withdraw your consent to those features is to stop using the App and delete your account.

2. To withdraw a consent or ask a question, contact us at privacy@mauxie.com.au.

ACKNOWLEDGEMENT

1. By ticking to accept this form in the App (or by signing below), you confirm that you are at least 18 years old, that the information you provide is accurate, and that you have read and understood our Privacy Policy and Collection Notice and give the consents set out above.

ABOUT THESE TERMS

1. These App Terms and Conditions (Terms) are a legal agreement between you and Mauxie Pty Ltd ACN 689 232 362 (we, us or our). They govern your access to and use of the Tenor mobile application, the website at mauxie.com.au/tenor and any related services (together, the App).

2. By creating an account, or by downloading, accessing or using the App, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, you must not use the App.

3. These Terms are a binding agreement between you and us. They are not a contract with Apple or Google. Clause 27 sets out additional terms that apply because you obtain the App through the Apple App Store or, when the Android version of the App is released, the Google Play Store.

4. These Terms should be read together with our Privacy Policy, Collection Notice and Consent Form.

DEFINITIONS AND INTERPRETATION

1. In these Terms, unless the context requires otherwise:

Account means the account you register to use the App.

Content means any material of any kind that you or your Partner create, upload, enter, submit or share in the App, including tasks, notes, reminders, appreciation messages, milestones, images and other text.

Intellectual Property Rights means all present and future intellectual property rights, including copyright, trade marks, designs, patents, and rights in confidential information, whether or not registered or registrable.

Loss means any loss, damage, cost, expense, charge or liability, however arising, whether direct or indirect and whether present, future, fixed or unascertained.

Partner means a person you link with in the App to form a couple.

Subscriber means the person who purchases and pays for a Subscription.

Subscription means the paid subscription you must purchase in order to access and use the App.

1. In the interpretation of these Terms, unless the context requires otherwise:

   1. headings are for convenience only and do not affect interpretation;

   2. the singular includes the plural and vice versa;

   3. a reference to a person includes a body corporate;

   4. the words includes and including are not words of limitation;

   5. a reference to a law includes that law as amended or replaced from time to time; and

   6. a reference to a clause is a reference to a clause of these Terms.

ELIGIBILITY

1. The App is intended for users who are at least 18 years old and able to enter into a binding contract. By using the App, you represent and warrant that you are 18 years of age or older.

2. You must not use the App if you are under 18. If we become aware that a user is under 18, we may suspend or close their Account in accordance with clause 23.

YOUR ACCOUNT

1. You must provide accurate information when you create your Account and keep it up to date.

2. You are responsible for keeping your Account and device secure and for all activity that occurs under your Account. You must not share your log-in details, and you must tell us promptly if you suspect any unauthorised use.

3. You may hold only one Account, and you must not create an Account using another person's identity or details without their authority.

LINKING WITH A PARTNER, SHARED CONTENT AND SEPARATION

1. The App is designed for couples. You can invite, or accept an invitation from, a Partner to link your accounts. Each of you keeps your own Account.

2. When you link with a Partner, the Content you choose to share becomes visible to that Partner. You control what you share, but you understand that, once Content is shared, your Partner may see, save, copy or export it, and we cannot recall Content your Partner has already accessed.

3. You are each responsible for your own Content and for the information and accounts you choose to connect and share. You must not share another person's information without their consent.

4. You can unlink from your Partner at any time. When you unlink:

   1. you and your Partner each keep your own Account and the Content you each created;

   2. shared couple Content stops being updated between the accounts from the time of unlinking;

   3. any financial accounts connected for the couple's shared features are treated as disconnected, and financial data is dealt with as described in clause 13 and in our Privacy Policy; and

   4. historical shared Content already held in each Account may remain in that Account unless you or your Partner deletes it.

5. We are not responsible for any dispute between you and your Partner. If you have a safety concern, or need help removing shared Content following a relationship breakdown, contact us using the details in clause 29, or use the reporting tools described in clause 10, and we will assist you as quickly as we reasonably can.

LICENCE TO USE THE APP

1. Subject to your compliance with these Terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to install and use the App on a device you own or control, for your own personal, non-commercial use.

2. You must not, and must not permit any other person to:

   1. copy, modify, adapt, translate or create derivative works of the App;

   2. reverse engineer, decompile or disassemble the App, or attempt to derive its source code, except to the extent permitted by law;

   3. rent, lease, lend, sell, sublicense or otherwise commercially exploit the App;

   4. use the App to build a competing product or service;

   5. access the App using automated means, including scraping, crawling or harvesting Content or user data; or

   6. remove or alter any proprietary notices in the App.

ACCEPTABLE USE

1. You must use the App lawfully and in accordance with these Terms. You must not:

   1. use the App in a way that breaches any law or infringes anyone's rights;

   2. access or use another person's Account without authority;

   3. interfere with, disrupt, or attempt to gain unauthorised access to the App or its systems, or introduce any malicious code;

   4. impersonate any person, or create an Account using false information; or

   5. use the App to send unsolicited communications.

2. We may set and vary reasonable rules, community guidelines and technical limits for the App, and you must comply with them.

CONTENT STANDARDS

1. You are responsible for your Content and for the consequences of creating or sharing it. You must not create, share or store Content that:

   1. is unlawful, defamatory, misleading or deceptive;

   2. infringes any person's Intellectual Property Rights, privacy or confidentiality;

   3. contains another person's personal information without their consent;

   4. is obscene, or sexually exploits, sexualises or endangers a child in any way;

   5. is abusive, harassing, threatening or hateful, or incites violence or discrimination against a person or group;

   6. promotes or facilitates self-harm, suicide or serious harm to any person; or

   7. contains a virus, malicious code or anything designed to interfere with the App or any system or data.

2. Because the App is designed for couples, you must not use it to harass, monitor, coerce, control or intimidate another person, including your Partner or a former Partner. If you have a safety concern, clause 5.5 and clause 10 explain how we can help.

YOUR CONTENT AND THE LICENCE YOU GRANT US

1. You retain ownership of any Intellectual Property Rights you hold in your Content.

2. You grant us a non-exclusive, royalty-free, worldwide licence to host, store, reproduce, adapt (for formatting and display), process, back up and display your Content, to the extent needed to operate and provide the App to you and, where you choose to share it, to your Partner. We may sub-license this to our service providers only to the extent needed to provide the App to you. We do not publish your Content publicly and we do not use it for advertising.

3. This licence continues after you stop using the App only to the extent needed for our lawful backup, record-keeping, security and moderation purposes, and then ends.

4. You represent and warrant that:

   1. you own, or have all necessary rights to, your Content and to grant the licence in clause 9.2;

   2. your Content, and our use of it in accordance with these Terms, does not and will not infringe the rights of any person or breach any law; and

   3. your Content complies with clause 8.

5. We do not endorse, and are not responsible for, Content created by you or your Partner. Content reflects the views of the person who created it, not us.

REPORTING AND SAFETY

1. If you have a concern about Content or conduct in the App, or a safety concern, you can contact us using the details in clause 29 or use any reporting or blocking tools we provide in the App.

2. We are not obliged to monitor Content. However, we may review, remove, restrict, refuse to publish or otherwise deal with Content, and we may suspend or close an Account, where we consider it appropriate, including where Content may breach clause 8 or a law. We are not liable for any action we take, or do not take, in good faith in relation to Content or a report.

SUBSCRIPTIONS AND PAYMENT

1. Access to the App requires a paid Subscription. There is no free tier. The features included in a Subscription are described in the App.

2. One Subscription covers both you and your Partner in a linked couple. Only one of you, the Subscriber, needs to purchase a Subscription for both of you to have access to the App while you remain linked.

3. The Subscriber is responsible for paying the Subscription fee. The fee for a Subscription is set out in the App and may change as described in clause 12.

4. Subscriptions are purchased and billed through the Apple App Store using your Apple account or, when the Android version of the App is released, through the Google Play Store using your Google account. Payment, billing, auto-renewal and cancellation are handled by Apple or Google (as applicable) in accordance with their terms, and we do not receive or store your payment card details.

5. Unless cancelled, a Subscription automatically renews at the end of each billing period, and your Apple or Google account is charged for the renewal. You can manage or cancel your Subscription, and turn off auto-renewal, in your Apple or Google account settings. Cancellation takes effect at the end of the current billing period.

6. Because the Subscriber pays for both of you, the Subscriber controls the Subscription. If the Subscriber cancels, does not renew, or you unlink, access to the App will end for both of you at the end of the paid period. If you are not the Subscriber and you want to keep using the App, you will need to purchase your own Subscription. We deal with your Account and your Content after your access ends in accordance with our Privacy Policy.

7. Refunds are handled by Apple or Google (as applicable) in accordance with their policies. To the extent the law allows, fees already paid are non-refundable, except where you have a right to a remedy under the Australian Consumer Law as described in clause 19.

CHANGES TO FEES

1. We may change the fees for a Subscription from time to time. We will give reasonable notice of a change before it takes effect. If you do not accept a change, you can cancel your Subscription before it applies. Continuing to use the App after a change takes effect means you accept the new fee.

FINANCIAL FEATURES AND THE CONSUMER DATA RIGHT

1. The App offers optional features that use financial data to power the Spending and Values dashboard. If you connect an Australian bank account, financial data is accessed under the Consumer Data Right through Basiq Pty Ltd, and we act as its CDR representative. This is explained in our Privacy Policy.

2. Financial connections are read-only. The App does not move money, make payments or execute transactions. We do not receive or store your banking log-in credentials.

3. You can disconnect a financial account and withdraw your consent at any time, as described in our Privacy Policy.

4. The financial information and insights in the App, including the Spending and Values dashboard and the Tenor Score, are provided for general information only. They are not financial product advice and do not take into account your objectives, financial situation or needs. You are responsible for your own financial decisions.

ARTIFICIAL INTELLIGENCE FEATURES

1. Artificial intelligence is an integral part of the App. It operates as an underlying layer that generates suggestions, prompts and insights, and it cannot be switched on or off separately. These features are powered by a third-party service and are described in our Privacy Policy.

2. AI-generated output may be inaccurate, incomplete or unsuitable for your circumstances. It is not professional, financial, legal, medical or relationship advice. You should use your own judgement and not rely on AI output as a substitute for professional advice. Because these features are an integral part of the App and cannot be turned off, if you do not want your information to be handled in the way described in our Privacy Policy, you should not use the App.

THIRD-PARTY SERVICES

1. The App relies on third-party services, including Apple (app distribution and billing), Google (the Firebase infrastructure and, for the Android version of the App, app distribution and billing), Basiq (financial data) and Anthropic (AI features), and may connect to services you choose, such as your calendar provider. Your use of those services is subject to their own terms and privacy practices, which we do not control.

2. We are not responsible for third-party services, and we are not liable for any act or omission of a third-party provider, except to the extent required by law.

OUR INTELLECTUAL PROPERTY

1. We own, or are licensed to use, all Intellectual Property Rights in the App, including its software, design, look and feel, and the Tenor and Mauxie names and logos. Nothing in these Terms transfers any of those rights to you.

2. You must not use our name, logo or branding without our prior written consent.

PRIVACY

1. We handle your personal information in accordance with our Privacy Policy. By using the App, you acknowledge that we may collect, use and disclose your personal information as described in the Privacy Policy.

AVAILABILITY, UPDATES AND BETA FEATURES

1. We aim to keep the App available, but we do not guarantee it will be uninterrupted or error-free. We may update, change, suspend or withdraw features from time to time.

2. Some features may be offered as beta or trial features. These are provided on an 'as is' basis and may be changed or withdrawn at any time.

3. You are responsible for maintaining your own backups of any Content that is important to you.

AUSTRALIAN CONSUMER LAW

1. Certain rights and guarantees under the Australian Consumer Law (in Schedule 2 to the Competition and Consumer Act 2010 (Cth)) and other laws cannot be excluded, restricted or modified (Non-excludable Rights). Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures you are entitled to a replacement or refund and to compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods or services remedied if they are not of acceptable quality and the failure does not amount to a major failure.

2. Nothing in these Terms excludes, restricts or modifies any Non-excludable Right.

DISCLAIMERS

1. To the extent permitted by law, and subject to the Non-excludable Rights in clause 19, the App and all Content are provided on an 'as is' and 'as available' basis, and we make no representation or warranty that the App will meet your requirements, be compatible with your device, be uninterrupted, error-free or secure, or that Content is accurate, complete or reliable.

2. The App supports coordination and connection between you and your Partner. It is not a counselling, financial, legal or medical service, and it does not provide professional advice.

LIMITATION OF LIABILITY

1. This clause applies subject to the Non-excludable Rights in clause 19.

2. To the maximum extent permitted by law, we are not liable to you for any Loss arising out of or in connection with the App or any Content, including any Loss caused by Content created by your Partner, by a third-party service, by your failure to keep your Account secure, or by matters beyond our reasonable control.

3. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special or consequential Loss, or for any loss of profits, revenue, data, goodwill or anticipated savings.

4. Where our liability cannot be excluded but can be limited, our liability is limited, at our option, to resupplying the relevant service or paying the cost of having it resupplied. To the extent our liability cannot be excluded or limited in that way, our total aggregate liability to you for all claims arising out of or in connection with the App or these Terms is limited to the greater of the total fees you paid us for the App in the 12 months before the event giving rise to the liability, and AUD 150.

INDEMNITY

1. To the maximum extent permitted by law, you indemnify us against any Loss we suffer or incur arising out of or in connection with your Content, your misuse of the App, or your infringement of any person's rights or of any law, except to the extent the Loss was caused by us. This indemnity survives termination of these Terms.

SUSPENSION AND TERMINATION

1. You may stop using the App and close your Account at any time using the tools we provide in the App.

2. We may suspend or terminate your Account or your access to the App, or to particular features, with or without notice, if you breach these Terms, if we reasonably suspect misuse or a risk to security or other users, or if we are required to do so by law.

3. On termination, your licence to use the App ends. Clauses that by their nature should survive, including clauses 9, 16, 19, 20, 21, 22 and 26, survive termination. We handle your personal information after termination in accordance with our Privacy Policy.

NOTICES

1. We may give you notices through the App, by email to the address linked to your Account, or by posting on our website. You can contact us using the details in clause 29. Notices are taken to be received when sent, unless the sender knows or reasonably should know that they were not delivered.

CHANGES TO THESE TERMS

1. We may update these Terms from time to time. If we make a material change, we will take reasonable steps to notify you, such as through the App or by email, and we will update the date at the top of these Terms. If you continue to use the App after a change takes effect, you accept the updated Terms. If you do not accept them, you must stop using the App.

GENERAL

1. These Terms, together with the Privacy Policy, Collection Notice and Consent Form, are the entire agreement between you and us about the App and supersede any prior understanding.

2. You must not assign or transfer your rights under these Terms without our consent. We may assign or transfer our rights and obligations, including in connection with a sale or reorganisation of our business.

3. If any part of these Terms is void, invalid or unenforceable, it is severed and the rest continues to apply.

4. A failure or delay by us in exercising a right under these Terms is not a waiver of that right.

5. We are not liable for any failure or delay in performing our obligations that is caused by matters beyond our reasonable control.

APP STORE TERMS

1. The following acknowledgements apply because you obtain the App through the Apple App Store:

   1. these Terms are between you and us only, and not with Apple Inc. (Apple), and Apple is not responsible for the App or its Content;

   2. Apple has no obligation to provide any maintenance or support for the App;

   3. if the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) to you; to the maximum extent permitted by law, Apple has no other warranty obligation in relation to the App;

   4. Apple is not responsible for addressing any claim by you or a third party relating to the App, including product liability claims, any failure to conform to a legal or regulatory requirement, and claims under consumer protection law;

   5. Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms and may enforce them against you; and

   6. you represent that you are not located in a country subject to a relevant United States embargo, and that you are not on any relevant United States prohibited or restricted party list.

2. The following acknowledgements apply if you obtain the Android version of the App through the Google Play Store:

   1. these Terms are between you and us only, and not with Google LLC (Google), and Google is not responsible for the App or its Content;

   2. Google has no obligation to provide any maintenance or support for the App;

   3. Google is not responsible for addressing any claim by you or a third party relating to the App, including product liability claims, any failure to conform to a legal or regulatory requirement, and claims under consumer protection law;

   4. your access to and use of the Google Play Store is subject to the Google Play Terms of Service, and any refund for a purchase made through the Google Play Store is dealt with under Google's policies; and

   5. Google, and Google's related bodies corporate, are third-party beneficiaries of these Terms to the extent these Terms relate to your use of the App obtained through the Google Play Store, and may enforce them against you.

GOVERNING LAW AND JURISDICTION

1. These Terms are governed by the laws of Queensland, Australia. You and we submit to the non-exclusive jurisdiction of the courts of Queensland and the courts that hear appeals from them.

HOW TO CONTACT US

1. You can contact us about these Terms or the App at:

   1. Mauxie Pty Ltd

   2. Email: support@mauxie.com.au (privacy matters: privacy@mauxie.com.au)