Terms of Service

Last updated: 28 September 2026

Introduction

These Terms of Service ("Terms") are an agreement between you and Phinly Pty Ltd (ACN 656 671 313) ("Phinly", "we", "us" or "our"). They apply to the Phinly service: the app at app.phinly.com, our sign-in and account-connection pages (auth.phinly.com and link.phinly.com), the Phinly app for iOS, Chat, and everything else we provide through them (together, the "Service").

By creating an account, signing in or using the Service you agree to these Terms. Our Privacy Policy explains how we handle your personal information, and our Cookie Policy explains the cookies we use. Our marketing website, www.phinly.com, has separate Website Terms and Conditions. If you do not agree to these Terms, do not use the Service.

Two sections deserve special attention: section 4 (Phinly does not give financial advice) and section 6 (Moves).

1. Who can use Phinly

To use the Service you must:

be at least 18 years old;
have the legal capacity to enter into a binding agreement with us; and
not have been suspended or removed from the Service by us before.

You may use the Service only for your own personal purposes and only with accounts you own or are authorised to access. You must give us accurate information and keep it up to date. One person, one account.

Phinly is built for people in Australia. Some features depend on your country or your institution, and some are available only for accounts with Australian institutions. Using the Service from outside Australia is your choice, and you are responsible for complying with your local laws.

2. Your account and security

You can sign up with an email address and password, or with social login (Google or Apple). Keep your password, your devices and your social login account secure, and do not share your account.
We recommend turning on two-step verification (an authenticator app or SMS codes) in your settings.
You are responsible for everything done through your account. If you suspect someone else has accessed it, change your password, use "Sign out everywhere" in your security settings, and tell us at [email protected].
We send security messages, such as verification codes and new-device alerts, by email or SMS. They are part of the Service, and you cannot opt out of them while you have an account.
We may suspend access to an account we reasonably believe has been compromised, and we will tell you when we do.

3. What the Service is

Phinly is a money app. Its main parts are:

Linked accounts. You connect bank accounts, investment accounts, crypto exchanges and other financial accounts so Phinly can show your balances and transactions in one place (section 7).
Chat. You ask Phinly questions about your own money, and it answers using your connected data and public information (section 5).
Moves. Actions you set up for routine money tasks, which only run with your approval (section 6).

We may add, change or remove features at any time. Some features may be limited to particular plans, countries or institutions, or released to some people before others.

4. Phinly does not give financial advice

Phinly gives you information about your own money and shows you the trade-offs. It does not give you advice, and it does not decide for you.

Phinly Pty Ltd does not hold an Australian financial services licence or an Australian credit licence. Nothing in the Service is financial product advice, credit assistance, tax advice or legal advice, whether general or personal.
Phinly does not recommend financial products, providers, investments or allocations, and it does not tell you what you should do. The numbers, forecasts and comparisons in the Service are calculations on your own data and on public information. They are not a recommendation or an opinion intended to influence a decision about a financial product, and they do not predict any market or asset.
You make every decision about your money. Before you act on anything in the Service, check the figures against your institution and consider getting advice from a licensed financial adviser, tax agent or other professional who can take your circumstances into account.
Phinly does not hold, receive or transmit your money, and it does not make payments, transfers or trades from your accounts.

5. Chat and AI output

Chat's replies are generated by AI models. They can be wrong, incomplete or out of date, even when they sound confident, and no human reviews them before you see them.
Treat a reply as a starting point, not a final answer. Check important figures against your institution before you rely on them.
Chat may search the web and quote content from other sites. We do not control that content and are not responsible for it.
Do not ask Chat to do anything unlawful, and do not type in passwords, other people's personal information, or anything you would not want processed by our service providers.
Our Privacy Policy explains what is sent to AI model providers, how conversations are stored, and how to delete them. We may use conversations to operate, secure and improve the Service as described there.
Chat is not a substitute for a professional. It does not give financial, tax or legal advice (section 4).

6. Moves

A Move is something you set up in Phinly to handle a routine money task. Phinly can suggest a Move, draft it and prepare what it needs, but a Move never runs without your approval.
Before a Move does anything outside Phinly, we show you what it will do and you must approve it. You can pause, change or delete a Move at any time.
You stay responsible for every Move you approve: for making sure it is what you want, that you are entitled to do it, and for checking the result.
Where a Move needs a payment, a transfer or a change to a financial product, you make it yourself in your own account with your bank or provider. Phinly does not move your money.
Moves depend on third parties, including banks, providers and websites, that may be unavailable, slow or change without notice. We are not responsible for delays or failures caused by them. If a Move cannot be completed, it does not run.
We may pause or stop a Move for security, legal or technical reasons, and we will tell you if we do.

7. Linked accounts and third-party services

You connect accounts through third parties: our Consumer Data Right principals, Fiskil Pty Ltd (ADRBNK000246) and Wych (ADRBNK2005), for Australian banks; Plaid for some accounts outside Australia; or an institution's own interface, using credentials or API keys you create with it. The consent screen tells you which applies, and our Privacy Policy explains how each handles your data.
Only connect accounts you own or are authorised to access, and comply with the institution's terms when you do. Phinly uses your credentials only to read your account data. It never uses them to trade or move money.
Give Phinly the minimum access a connection needs. If an institution lets you create read-only keys, use them.
You can withdraw a CDR consent at any time in Phinly or through your bank's data-sharing dashboard, and you can revoke keys or access with the institution itself. You can also ask us to remove a connection at [email protected].
Data from institutions can be delayed, incomplete or wrong, and we show it as they give it to us. We are not responsible for the acts or omissions of any institution or data provider, and their terms and privacy policies apply to your relationship with them. Listing an institution in Phinly is not an endorsement of it.

8. Fees, plans and gifts

The core Service is currently free. We may offer paid plans, such as Phinly Pro. Before you pay for anything we will show you the price, the billing period, what is included and how to cancel, and those details form part of these Terms.
If a plan renews automatically, we will tell you before you subscribe and remind you how to cancel. You can cancel at any time, and you keep access until the end of the period you have paid for. Refunds are handled as described when you buy and as required by the Australian Consumer Law.
Free trials, gifted time and promotional credits (for example, a gifted week of Phinly Pro) are for personal use, have no monetary value, may be subject to limits, and can be withdrawn if they are misused.
Prices are in Australian dollars and include GST unless we say otherwise. We may change prices with at least 30 days' notice; a change applies from your next billing period.

9. Acceptable use

You must not:

use the Service in a way that breaks the law or these Terms, or for any commercial purpose without our written permission;
access or attempt to access anyone else's account or data;
copy, scrape, reverse-engineer or extract data from the Service, or use automated tools to access it, except through interfaces we provide;
interfere with the security or operation of the Service, or upload anything malicious;
circumvent limits, fees or access controls;
use Chat to produce content that is unlawful, harmful or infringes someone's rights; or
impersonate anyone or misrepresent your relationship with a person or institution.

10. Your content and our intellectual property

Your data stays yours. You give us a licence to host, process, display and analyse it so we can provide, secure and improve the Service, as described in our Privacy Policy. That licence ends when the data is deleted.
We own the Service, including its software, design, text, graphics, the Phinly name and logos. We grant you a personal, non-transferable licence to use the Service under these Terms. You must not copy, modify or distribute any part of it except as these Terms allow.
If you give us feedback or suggestions, we may use them without any obligation to you.

11. Suspension and closing your account

You can stop using the Service at any time. To close your account, email [email protected]. When you close it, we disconnect your linked accounts and handle your data as described in our Privacy Policy.
We may suspend or close your account if you breach these Terms, if we must for legal or security reasons, or if the account has been inactive for a long period. Where it is reasonable to do so, we will give you notice and a chance to fix the problem first.
When your account is closed, your licence to use the Service ends. Sections 4, 5, 6, 10, 12, 13, 15 and 16 continue to apply.

12. Disclaimers

The Service is provided as is. To the extent permitted by law, we do not promise that the Service will be uninterrupted, error-free or secure, that data from institutions will be accurate or up to date, or that Chat's replies will be correct.

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded. If you are a consumer under the Australian Consumer Law, our services come with guarantees that cannot be excluded, including that they will be provided with due care and skill.

13. Liability

To the extent permitted by law, and subject to section 12:

we are not liable for any indirect or consequential loss, loss of profit, loss of data, or loss arising from decisions you make about your money, from the acts or omissions of any institution or third-party provider, from Chat's replies, or from unauthorised access caused by your failure to keep your credentials secure; and
our total liability to you for all claims arising out of or in connection with the Service in any 12-month period is limited to the greater of the amounts you paid us for the Service in the 12 months before the claim and A$100.

You are liable to us for loss we suffer because you breached these Terms or the law, to the extent it was caused by you.

14. Changes to these Terms

We may update these Terms. If a change is material, we will tell you by email or in the app before it takes effect, and at least 30 days beforehand if it reduces your rights. Continuing to use the Service after a change takes effect means you accept it. If you do not agree, stop using the Service and close your account.

15. General

These Terms, our Privacy Policy, our Cookie Policy and any plan terms shown to you when you buy are the whole agreement between you and us about the Service.
If part of these Terms is unenforceable, the rest still applies.
If we do not enforce a right straight away, we have not given it up.
We may transfer our rights and obligations under these Terms to a related company or a successor to our business; you may not transfer yours.
We will send notices to the email address on your account. You can contact us at [email protected].

16. Governing law

These Terms are governed by the law of New South Wales, Australia. You and we submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts entitled to hear appeals from them.

Contact us

Phinly Pty Ltd (ACN 656 671 313)
Questions about these Terms: [email protected]
Security issues: [email protected]