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Terms of Service

These terms govern your use of the centKoala website, mobile apps, and related services operated by CentKoala Pty Ltd.

Effective date: 24 August 2026 · Last updated: 24 August 2026

1. About these terms

These Terms of Service (Terms) are a contract between you and CentKoala Pty Ltd (we, us, our) for your use of:

  • the website at centkoala.com and related pages (including deals and invite landing pages);
  • the centKoala iOS and Android applications; and
  • any APIs, notifications, or other features we provide in connection with them

(together, the Service).

By creating an account, downloading the app, connecting a bank, joining a group, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. Who we are

The Service is operated by CentKoala Pty Ltd, based in Melbourne, Victoria, Australia. The product is marketed as centKoala.

Questions about these Terms: support@centkoala.com.au.

3. The service

centKoala is a personal finance companion for everyday Australians. Depending on the features available to you, the Service may let you:

  • Track it — connect eligible Australian bank accounts, view balances and transactions, and keep records for your own use (including tax-time exports);
  • Deal it — see grocery, health and beauty, electronics, fuel, EV, and partner offers matched to your location or lists; and
  • Split it — record shared household or peer expenses, balances, and settlements between people you invite.

Features may change, be limited by region, or depend on third-party providers. We do not promise that every feature will be available at all times or to every user.

4. Eligibility and accounts

  • You must be at least 18 years old and able to form a binding contract under Australian law.
  • The Service is designed for use in Australia. You are responsible for complying with the laws that apply to you.
  • You must provide accurate registration details (which may include email and phone number) and keep them current.
  • You are responsible for activity on your account and for keeping your device, passcodes, and authentication methods secure.
  • You must not share your account, impersonate anyone, or create an account for another person without their authority.
  • We may refuse, suspend, or close an account if we reasonably believe these Terms have been breached, or if we need to protect the Service, other users, or our legal obligations.

5. Open banking and the Consumer Data Right

If you choose to connect a bank, that connection uses Australia’s Consumer Data Right (CDR). CentKoala acts as a CDR Representative of Fiskil Pty Ltd (CDR Principal, ADRBNK000246) under CDR Rule 1.10AA. Fiskil is an accredited data recipient. Consent is collected through Fiskil’s hosted flow with your bank (an accredited data holder).

  • We do not ask for, and you must not give us, your internet banking password or other bank login secrets. Bank authentication happens with your bank through the CDR consent process.
  • You control whether to grant, manage, or revoke CDR consent. Revoking consent with Fiskil or your bank will stop further collection of that CDR data. We will handle already-collected data in line with the CDR Rules, Privacy Safeguards, and our privacy practices.
  • Bank data is used to provide the Service you requested (for example showing accounts, matching spending, and supporting records you export). We do not sell your CDR data.
  • Complaints about CDR data handling can be raised with us first at support@centkoala.com.au. You may also use Fiskil’s CDR complaint process, the Office of the Australian Information Commissioner (OAIC), or the Australian Financial Complaints Authority (AFCA) where those bodies have jurisdiction.

Connecting a bank is optional. You can use other parts of the Service without open banking.

6. Not a bank and not financial advice

  • CentKoala Pty Ltd is not an authorised deposit-taking institution. We do not hold your money, operate bank accounts for you, or provide payment, clearing, or settlement services between you and other users.
  • Information in the Service — including balances, categorisation, price insights, deal recommendations, and tax-time records — is general information only. It is not financial, tax, legal, or credit advice. Confirm figures with your bank, retailer, accountant, or other adviser before you rely on them.
  • You remain responsible for your spending, tax obligations, and any arrangements you make with housemates or peers.

7. Expense splitting and settle-up

Shared ledgers, group expenses, and settle-up balances are records that you and other members create. They help you see who owes whom. They are not invoices we issue, not a guarantee of payment, and not a transfer of funds through centKoala.

  • You are responsible for the accuracy of expenses, splits, and settlements you enter, and for resolving disputes directly with the other people involved.
  • When you invite someone, they may see relevant group or peer information needed to use that shared ledger.
  • Deleting your account or leaving a group may not erase history that other members still need to see their own balances. We may retain or anonymise records as required by law or to keep the ledger consistent for remaining members.

8. Deals, prices, and affiliate offers

Deal, catalogue, fuel, and partner content is provided to help you compare offers. Unless we say otherwise:

  • Prices and availability are indicative only. Retailers change specials, stock, and regional pricing without notice. Always confirm the current price and terms at the retailer before you buy.
  • We do not capture every store, postcode, or in-store variation. Amazon and similar sources may refresh on a delay.
  • centKoala is not responsible for pricing errors, withdrawn offers, or products that are out of stock.
  • Some links are affiliate or partner links. We may earn a commission if you click through and purchase. That does not change the price you pay the retailer. Retailer names and logos belong to their owners and do not imply endorsement of centKoala.

Recommendations based on past prices can be wrong. They are not financial advice.

9. Invitations and groups

You may send invites by link, phone, or other methods we support. Only invite people who have agreed to hear from you. You must not use invites to spam, harass, or collect contacts without permission. Recipients can decline. You are responsible for the people you add to a group and for the content you share with them through the Service.

10. Acceptable use

You must not:

  • misuse, probe, or disrupt the Service, or attempt unauthorised access to accounts, systems, or data;
  • copy, scrape, or resell catalogue, deal, or other content except as the Service allows for your personal use;
  • upload unlawful, misleading, or infringing content;
  • use the Service to commit fraud or to process transactions for a business we have not agreed to support;
  • reverse engineer the apps except where Australian law gives you a non-excludable right to do so; or
  • circumvent usage limits, device checks, or security controls.

11. Intellectual property

We (and our licensors) own the Service, including software, design, branding, and original content. We grant you a limited, personal, non-exclusive, non-transferable licence to use the Service in accordance with these Terms. You may not copy our branding or suggest we endorse you without written permission.

You retain ownership of content you submit (for example expense notes or lists). You grant us a licence to host, process, and display that content solely to operate, improve, and secure the Service, including sharing it with group members you choose.

12. Third-party services

The Service depends on third parties, including app stores, cloud infrastructure, notifications, CDR providers (such as Fiskil), banks, and retailers. Their terms and privacy policies apply to their services. We are not responsible for third-party outages, errors, or changes, except to the extent Australian Consumer Law requires otherwise.

13. Availability, accuracy, and changes

We aim to keep the Service reliable, but we do not warrant uninterrupted or error-free operation. Bank feeds, catalogues, and fuel prices can be delayed, incomplete, or incorrect. We may add, change, or withdraw features, including for security, legal, or operational reasons. Where a change is material and not required immediately, we will try to give reasonable notice in the app or on the website.

14. Fees

The consumer app is currently offered free of charge. We may introduce paid features, premium APIs, or other charges later. If we do, we will tell you the price and terms before you are charged. App store purchases, if any, are also subject to Apple’s or Google’s payment terms. Data charges from your mobile or internet provider are your responsibility.

15. Privacy

We collect and handle personal information to provide the Service, including account details, device identifiers, optional location or postcode for deals, invitation data, and (if you connect a bank) CDR data as described in section 5. For privacy questions or to exercise rights that apply to you, contact support@centkoala.com.au. If a separate Privacy Policy is published on this website, it forms part of how we explain that handling and should be read with these Terms.

16. Australian Consumer Law

If you are a consumer under the Australian Consumer Law, you have guarantees that cannot be excluded, including that services will be provided with due care and skill and be reasonably fit for a disclosed purpose. Nothing in these Terms excludes, restricts, or modifies those guarantees, or any other right that cannot lawfully be limited. Where we are allowed to limit our liability for a failure to comply with a consumer guarantee, our liability is limited (at our option) to supplying the services again or paying the cost of having them supplied again.

17. Liability

Subject to section 16 and any other non-excludable rights:

  • the Service is provided on an “as is” and “as available” basis;
  • we are not liable for retailer pricing, stock, or checkout outcomes; unpaid balances between users; decisions you make using the Service; or loss caused by your device, internet connection, or third-party providers;
  • we are not liable for indirect or consequential loss, lost profits, lost data, or business interruption, except to the extent caused by our fraud, wilful misconduct, or a non-excludable guarantee; and
  • our aggregate liability to you for claims arising out of the Service is limited to AUD $100 or the amount you paid us for the Service in the 12 months before the claim, whichever is greater.

18. Termination

You may stop using the Service and request account deletion by contacting support@centkoala.com.au or using in-app account controls where available. We may suspend or end access if you breach these Terms, if we discontinue the Service, or if we reasonably need to do so for legal or security reasons. Provisions that should survive (including intellectual property, liability, and governing law) continue after termination. We may retain information where the law, CDR rules, or the integrity of a shared ledger requires it.

19. Changes to these terms

We may update these Terms from time to time. The updated version will be posted at centkoala.com/terms with a revised “last updated” date. If a change is material, we will take reasonable steps to notify you (for example in the app or by email). Continued use after the effective date means you accept the updated Terms. If you do not agree, you must stop using the Service and may close your account.

20. Governing law

These Terms are governed by the laws of Victoria, Australia. The courts of Victoria (and the Federal Court of Australia sitting in Victoria) have non-exclusive jurisdiction, without limiting any rights you have as a consumer to bring a claim in another Australian forum that the law allows.

21. Contact

CentKoala Pty Ltd
Melbourne, Victoria, Australia

Email: support@centkoala.com.au
Website: centkoala.com