Terms and Conditions of Use

1. Agreement to Terms

These Terms and Conditions (“Terms”) constitute a legally binding agreement between SnapMyTax Co. (“SnapMyTax”, “we”, “us”, or “our”) and you (“User”, “you”, or “your”) governing your access to and use of the SnapMyTax mobile application (iOS and Android) and all related services (collectively, the “Platform”).

By downloading, installing, creating an account, linking financial data, or otherwise using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately cease use of the Platform and delete your account.

You must be at least 18 years of age to use the Platform. By using the Platform, you represent and warrant that you are 18 years of age or older.

2. Nature of the Platform and Regulatory Disclaimers

2.1 Software Tool — Not a Tax Agent Service

SnapMyTax is a software-as-a-service (SaaS) tool designed to provide automated categorisation and educational guidance regarding potential tax deductions based on the Australian Taxation Office (ATO) general guidelines. SnapMyTax Co. is a software provider and is not a registered Tax Agent or Business Activity Statement (BAS) Agent under the Tax Agent Services Act 2009 (Cth) (“TASA”).

2.2 No Financial or Tax Advice

The outputs generated by the Platform — including but not limited to deduction categorisations, “SnapScore” metrics, confidence indicators, benchmark comparisons, and tax savings estimates — constitute general information only. They do not take into account your complete financial situation, liabilities, or specific tax history. Nothing on the Platform constitutes personal financial advice, tax advice, or a recommendation to claim any particular deduction.

2.3 No Reliance

In accordance with TPB(I) 09/2011 issued by the Tax Practitioners Board, the Platform operates as a non-customised digital calculator and educational tool. You cannot reasonably rely on the Platform's outputs to satisfy tax liabilities or claim entitlements without independent verification by a registered tax professional. You are strictly advised to consult a registered tax agent before lodging any tax return.

3. Account Registration and Eligibility

To use the Platform, you must create an account using Google OAuth authentication (and, where available, Apple Sign In). You agree to provide accurate, current, and complete information during the registration process and to keep your account information up to date.

You are responsible for maintaining the confidentiality of your account credentials, including any biometric authentication enrolled on your device. You agree to notify us immediately of any unauthorised access to or use of your account.

We enforce a single active session per user. Logging into a new device will trigger a device conflict prompt and may disconnect your previous session.

4. Data Ingestion and User Obligations

4.1 User-Provided Data

You are solely responsible for ensuring the legality, accuracy, and completeness of all data you input, upload, or connect to the Platform, including your employment profile, income details, work-from-home parameters, investment property information, manual receipt uploads, and any other information you provide.

4.2 Open Banking and Consumer Data Right (CDR)

SnapMyTax accesses your bank transaction data from participating financial institutions (initially limited to the Big Four banks: CBA, ANZ, Westpac, and NAB) via the Basiq API. In this capacity, SnapMyTax operates under the Australian Consumer Data Right (CDR) framework. By linking your bank account, you provide express, time-limited consent (up to 12 months, subject to renewal) for your designated data holder (your bank) to share your transaction data with our CDR Principal (Basiq), who then shares this “service data” with SnapMyTax as a CDR Representative.

SnapMyTax requests read-only access to your transaction data only. We never request account management scopes, and we never see or store your bank login credentials.

4.3 Email Integration (Gmail API)

If you authorise Gmail integration, you grant SnapMyTax read-only access (gmail.readonly scope) to scan your inbox for financial receipts and invoices. SnapMyTax utilises a strict 3-layer smart pre-filtering protocol: (1) sender domain whitelist, (2) subject line pattern matching, and (3) profile-based retailer relevance scoring. Only emails passing all three layers are processed. We extract and store invoice metadata (merchant, date, amount, line items) and receipt attachments only. The surrounding context of personal emails is never retained, stored, or processed.

4.4 Manual Receipt Upload

You may capture and upload receipts using your device camera. Uploaded receipt images are processed using Optical Character Recognition (OCR) via Google Cloud Vision. Extracted data is stored in our database; original receipt images are retained in encrypted storage for ATO record-keeping purposes.

5. Classification Engine Disclaimer

The Platform uses an automated Classification Engine that analyses your transactions against ATO guidelines and assigns a confidence-based deductibility assessment. This assessment is expressed as plain-language indicators (e.g. “Looks like a valid deduction” or “This might be deductible — we need a bit more info”) and is never presented as a numerical probability or guarantee of ATO acceptance.

The Classification Engine processes data using internal rule logic and Gemini AI. Data processed by Google Cloud Vision and Gemini AI is processed strictly under enterprise agreements that explicitly prohibit the use of your personal financial data to train public or foundational AI models.

Benchmark comparisons (e.g. “X% of people in similar situations claimed this type of expense”) are strictly informational and are never used to influence the engine's deductibility decisions.

6. Fees and Payment

The Platform is currently offered free of charge during the pilot period. We reserve the right to introduce subscription plans or paid features in the future with reasonable notice. Any changes to pricing will be communicated to you via the Platform and/or email before taking effect.

7. Intellectual Property Rights

7.1 Ownership

SnapMyTax Co. retains all right, title, and interest (including all copyright, trademark, patent, and other intellectual property rights) in and to the Platform, the Classification Engine, the user interface, the “Snap” mascot and branding, underlying codebase, and any compiled algorithms.

7.2 Licence

We grant you a limited, non-exclusive, non-transferable, and revocable licence to use the Platform strictly for your personal, non-commercial tax preparation purposes, subject to these Terms.

7.3 Restrictions

You must not:

• reverse-engineer, decompile, disassemble, or attempt to derive the source code or the rule logic of the Classification Engine;
• scrape, data-mine, or use automated tools to extract data or classification outcomes from the Platform;
• copy, modify, or create derivative works of the Platform's features, UI/UX, or branding;
• sublicence, sell, resell, transfer, assign, or distribute the Platform or any right to access it; or
• use the Platform to develop a competing product or service.

8. Acceptable Use and Prohibited Conduct

You agree to use the Platform solely for lawful purposes. You must not:

• upload fraudulent receipts or fabricated financial documents;
• manipulate transaction data to fabricate, inflate, or misrepresent deductions;
• use the Platform to facilitate tax evasion, fraud, or any other illegal activity;
• attempt to exploit system vulnerabilities, gain unauthorised access, or interfere with the Platform's operation; or
• use the Platform on behalf of another person without their informed consent.

We reserve the right to immediately suspend, throttle, or terminate your access to the Platform, without notice or liability, if we reasonably suspect you are engaging in any of the above conduct or otherwise violating these Terms.

9. Limitation of Liability

9.1 “As Is” Provision

The Platform and the underlying Classification Engine are provided on an “as is” and “as available” basis. While we strive to map transactions to ATO rules accurately, we make no warranties, express or implied, regarding the fitness for a particular purpose, merchantability, accuracy, reliability, or definitive tax deductibility of any expense.

9.2 ATO Audits and Claims

Under no circumstances shall SnapMyTax Co. be liable for any penalties, interest, audit costs, or rejected deduction claims imposed by the ATO or any other governmental authority resulting from your reliance on the Platform. The ultimate responsibility for the accuracy of tax lodgements rests solely with you and your registered tax agent.

9.3 Exclusion of Consequential Loss

To the maximum extent permitted by the Competition and Consumer Act 2010 (Cth), including Schedule 2 (the Australian Consumer Law), SnapMyTax Co. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of anticipated tax savings, loss of data, or business interruption, regardless of whether we were advised of the possibility of such damages.

9.4 Financial Cap on Liability

In no event shall our aggregate liability for any claims arising under or relating to these Terms or the Platform exceed the greater of: (a) the total amount you paid to SnapMyTax Co. to access the Platform in the twelve (12) months immediately preceding the claim; or (b) AUD $100.00.

9.5 Consumer Guarantees

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law that cannot be excluded, restricted, or modified by agreement. To the extent permitted by law, our liability for breach of a non-excludable guarantee is limited to the resupply of the services or the cost of having the services resupplied.

10. Service Availability and Third-Party Dependencies

The Platform is provided on an “as-is” and “as-available” basis. We do not warrant that the Platform will be uninterrupted, error-free, or entirely secure.

SnapMyTax relies on third-party infrastructure and application programming interfaces (APIs), including Open Banking data feeds (via Basiq), Gmail API, Google Cloud Vision, Gemini AI, AWS hosting, and Firebase Cloud Messaging. SnapMyTax Co. bears no liability for any delays, data inaccuracies, service interruptions, or data loss caused by the failure, suspension, or modification of these third-party services.

If a third-party provider revokes our access or materially changes their terms, we reserve the right to suspend or alter the related Platform features with reasonable notice where practicable.

11. Indemnification

You agree to indemnify, defend, and hold harmless SnapMyTax Co., its directors, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, penalties, or expenses (including reasonable legal fees) arising out of or in any way connected with:

• your access to or use of the Platform;
• your submission of inaccurate, false, or misleading financial data or receipts;
• any ATO audit, adjustment, penalty, or interest charge resulting from deductions you claim after using the Platform;
• your breach of these Terms or any applicable Australian law; or
• your infringement of any third party's rights.

12. Termination and Account Deletion

You may terminate this agreement at any time by requesting account deletion via the Platform's Settings menu.

Upon initiating a deletion request, SnapMyTax will execute a hard deletion of all associated personal data, financial records, and stored receipts across our databases within 24 hours, subject to ATO record-keeping obligations as described in our Privacy Policy.

We may suspend or terminate your account at any time if we reasonably believe you have breached these Terms, without prejudice to any other rights or remedies available to us.

Sections 5, 7, 9, 11, 13, and 14 survive termination of this agreement.

13. Modifications to the Platform and Terms

We reserve the right to modify, update, suspend, or discontinue the Platform (or any part thereof) at any time. We will provide reasonable notice of material changes via the Platform or email.

We may update these Terms from time to time. Material changes will be notified to you at least 30 days before taking effect. Your continued use of the Platform after the updated Terms take effect constitutes your acceptance of the revised Terms.

14. Governing Law and Dispute Resolution

14.1 Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Victoria, Australia. You irrevocably submit to the non-exclusive jurisdiction of the courts of Victoria for the resolution of any disputes.

14.2 Mandatory Mediation

In the event of any dispute arising out of or relating to these Terms, the parties agree to first attempt to resolve the dispute in good faith through mediation administered by the Resolution Institute in Melbourne, Victoria, before commencing any legal proceedings.

15. Contact Information

If you have any questions about these Terms, please contact us at:

SnapMyTax Co.

Email: Hello@snapmytax.com.au

Website: snapmytax.com.au