Terms & Conditions

Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Evan Paul Lazar (ABN 76318734086), trading as SinkWise ("SinkWise," "we," "us," or "our"), concerning your access to and use of the SinkWise app for iPhone (the "App"), the website at sinkwise.app, and the budgeting service offered through them (collectively, the "Service").

You agree that by accessing the Service, you have read, understood, and agree to be bound by all of these Terms. If you do not agree, you must discontinue use of the Service immediately.

We may make changes to these Terms at any time. We will update the "Last updated" date above when we do, and material changes will also be flagged in-app or by email. Continuing to use the Service after a revised version is posted means you accept the changes.

The Service is operated from Australia. If you access it from another country, you do so on your own initiative and are responsible for compliance with local laws where they apply.

Eligibility and Age Requirements

You must be at least 13 years old to create a SinkWise account. Before an account is created in the App, you are asked for your date of birth — not just to tick a box — so we can check your age. If the date of birth you give shows you are under 13, the account will not be created, and anything entered in the App is not saved to an account. We do not store your date of birth: we keep only a record that you confirmed you are 13 or older, and whether you are 18 or older.

If you are between 13 and 17, you may only use the Service with the knowledge and active involvement of a parent or legal guardian. By completing registration as a user aged 13–17, you confirm that a parent or guardian is aware of your use of the Service.

Paid subscriptions and minors. If you are under 18, a parent or legal guardian must give permission before you purchase or maintain SinkWise Premium. The parent or guardian is responsible for any charges made to a payment method connected to your account.

If we discover an under-13 account: If we learn — through any means — that we have collected personal information from a user under 13 without verifiable parental consent, we will delete that account and all associated personal information within 5 business days. We may first attempt to notify the registered email address. If you believe your child under 13 has created an account, contact us immediately via our contact page.

Teen privacy protections: We do not sell or share the personal information of users we know or reasonably believe to be under 18. We do not use personal information of users under 18 for targeted advertising. If you are a user aged 13–17 in California or another US state with specific teen privacy protections, we apply heightened protections to your data consistent with those laws, including treating your data as sensitive personal information as required.

Intellectual Property Rights

Unless otherwise indicated, the Service is our proprietary property. All source code, databases, functionality, software, designs, text, and graphics on the Service (the "Content"), and the trademarks and logos contained in it (the "Marks"), are owned or licensed by us and protected by copyright, trademark, and other intellectual property laws.

Provided you are eligible to use the Service, we grant you a limited, non-exclusive, non-transferable licence to access and use the Service for your own personal, non-commercial budgeting purposes. We reserve all rights not expressly granted to you.

User Representations

By using the Service, you represent and warrant that:

• the registration information you submit — including your date of birth — is true, accurate, current, and complete, and you will keep it that way;
• you are at least 13 years old (or, if between 13 and 17, you are using the Service with a parent or guardian's knowledge and consent);
• you have the legal capacity to agree to these Terms;
• you will not access the Service through automated or non-human means, such as a bot or script;
• you will not use the Service for any illegal or unauthorised purpose; and
• your use of the Service will not violate any applicable law or regulation.

If you provide information that is untrue, inaccurate, or incomplete — including providing a false date of birth to circumvent the age requirement — we may suspend or terminate your account.

User Registration

To use the App you need a SinkWise account. You can create and sign in to an account only with Sign in with Apple or with Google. These are the only sign-in methods we offer. We do not offer sign-in with an email address and password, and we do not accept any other email or sign-in provider (for example Outlook, Hotmail, Yahoo or iCloud email addresses used with a password).

Accounts created with an email address and password on the former web app. If you created your account that way:

• your account and the data in it have not been deleted;
• if your email address is also a Google account, choosing "Continue with Google" with that same address in the App signs you in to the same account, with your data;
• if it is not, you can no longer sign in to that account. You can still ask us, via our contact page and from the email address on the account, to send you a copy of your data, to move your data into a new account you create in the App with Apple or Google, or to delete the account and its data. We will do this free of charge within 30 days, after confirming that the request comes from the account holder.

If you use Sign in with Apple's "Hide My Email" option, Apple gives us a private relay address instead of your email address, and the App treats it as a separate account from any account under your real address.

You are responsible for keeping your Apple or Google account secure and for all activity that happens under your SinkWise account. Notify us promptly if you suspect unauthorised use of your account. Sign-up and sensitive account actions use consent mechanisms that are never pre-ticked — you must actively choose to proceed.

Subscriptions and Billing

The App requires SinkWise Premium, an auto-renewing subscription you buy in the App through Apple's App Store (In-App Purchase), billed monthly or yearly. The price, length and any free trial are shown in the App and by Apple before you confirm. In Australia the prices at launch are A$7.99 per month or A$39.99 per year; in other countries Apple shows the price in your local currency. Both plans include the same features.

• Payment. Payment is charged to your Apple ID account when you confirm the purchase (or, with a free trial, when the trial ends). Apple processes the payment; we never receive your card or payment details.
• Auto-renewal. Your subscription renews automatically at the end of each period (month or year) at the then-current price, unless it is cancelled at least 24 hours before the end of the current period. Your Apple ID account is charged for the renewal within the 24 hours before the current period ends.
• How to cancel. Manage or cancel your subscription in your iPhone's Settings → [your name] → Subscriptions (also reachable from the App, under You → Manage Subscription). Cancellation takes effect at the end of the current period, and you keep Premium until then. Deleting the App, or deleting your SinkWise account, does not cancel an App Store subscription; cancel it in Settings.
• Free trial. The yearly plan may start with a 3-day free trial for eligible new subscribers. Apple decides eligibility (generally one trial per Apple ID). You are not charged during the trial. Unless you cancel at least 24 hours before the trial ends, it converts into a paid yearly subscription and the auto-renewal terms above apply. Any unused part of a free trial ends when you buy a subscription. The monthly plan does not include a free trial. We may change or withdraw trial offers; the terms Apple shows you when you start a trial govern it.
• Refunds. Because Apple processes App Store payments, refund requests are handled by Apple under its policies, at reportaproblem.apple.com.
• Your account. Premium is linked to your SinkWise account, so it is available on any iPhone where you sign in to that account. "Restore Purchases" in the App re-checks your purchases with Apple.
• Price changes. If the price of your subscription changes, Apple notifies you in advance and, where Apple's rules require it, asks for your consent before you are charged the new price.
• Earlier web subscriptions. Before 2 October 2026, Premium was also sold on the web through our payment processor Stripe. Premium is no longer sold on the web. Any Stripe subscription that was already running continues on the terms that applied when it was bought until it ends or is cancelled, and Premium bought that way also unlocks the App while it is active.
• Nothing in this section limits any non-excludable rights you may have under the Australian Consumer Law or the mandatory consumer-protection or auto-renewal laws of your own country, state, or region (for example, EU/UK cancellation and refund rights, or US state automatic-renewal laws).

Not Financial Advice

Every figure SinkWise shows you — deposit plans, finish dates, progress, "on track" and "can you afford it" verdicts, charts, forecasts, debt payoff dates and interest figures, emergency-fund cover, the What-If calculator, the Claim Checker, streaks, budgets, health scores and anything produced by AI Insights or AI News — is general information only. It is calculated automatically from the figures you enter and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you, and seek advice from a licensed financial adviser, accountant or other qualified professional where appropriate.

• Only as good as what you enter. SinkWise has no connection to your bank, lender, insurer or any other account and does not move money. Balances, deposits, bills, expenses, income and interest rates are whatever you record, and every calculation depends on them being complete and correct.
• Projections are arithmetic, not predictions. A finish date or chart shows what happens if the stated schedule or pace continues exactly as described. Real life — missed deposits, changed income, price rises, fees, or a lender that calculates interest differently from the stated assumption — will change the result. Where interest is included, SinkWise states the assumption it uses; your lender's own statement is the authoritative figure.
• Your decisions are yours. You are solely responsible for your financial decisions and their consequences. To the maximum extent permitted by law, SinkWise is not liable for any loss, cost or missed opportunity arising from reliance on any figure, verdict, suggestion or projection shown in the Service (see "Limitations of Liability" below).
• SinkWise is not a bank, credit provider, financial adviser or holder of an Australian Financial Services Licence, and does not recommend or arrange any financial product.

AI-Generated Features

The App includes AI scanning of receipts, bills and price tags, which uses a third-party AI model (currently provided by Anthropic). It is on by default and can be turned off at any time in the App (You → Read Scans with AI); with it off, photos are read on your iPhone only and never leave it.

• Data used. When you scan with AI on, the photo and the text your iPhone has already read from it are sent securely over TLS to our server and to our AI provider, solely to read the details (such as the shop, date, items and total). We do not keep the photo or the result on our servers, and we and our AI provider do not use it to train AI models. See our Privacy Policy.
• Check before you save. AI readings can be wrong or incomplete. The App shows you every detail it found so you can correct it before anything is saved, and you are responsible for what you save.
• Usage limits. To keep scanning available and affordable, the number of AI scans per day is limited, and the limit may change.
• Earlier features. AI Insights and AI News were features of the former web app and are not offered in the App.

Prohibited Activities

You agree not to:

• systematically scrape or harvest data from the Service without our written permission;
• attempt unauthorised access to other users' accounts or to our systems;
• circumvent, disable, or interfere with any security feature of the Service;
• use any automated system (bot, scraper, or similar) to access the Service, other than standard search engine indexing;
• attempt to impersonate another person or user;
• upload or transmit viruses, malicious code, or anything designed to disrupt the Service;
• reverse engineer, decompile, or disassemble any part of the Service except as permitted by law;
• provide a false date of birth or other false information to bypass the age requirement;
• use the Service for any unlawful purpose or in a way that violates these Terms.

Submissions

If you send us feedback, suggestions, or ideas about the Service, you agree we can use them freely, without owing you compensation or attribution, to improve SinkWise. You retain no claim over how we use such feedback.

Third-Party Services and Content

The Service relies on third-party providers, including Google Firebase (authentication and data storage), Vercel (hosting), Stripe (payment processing, PCI DSS-certified), Anthropic (AI Insights and AI News), Resend (transactional email), Cloudflare (bot/abuse protection), and, with your consent, Google Analytics. Your use of the Service is also subject to those providers' own terms. We are not responsible for the acts or omissions of third-party providers, though we choose providers we believe handle data responsibly and require them to do so through data processing agreements.

The Service may also link to other websites we don't control. We're not responsible for the content, accuracy, or privacy practices of third-party websites, and visiting them is at your own risk.

Site Management

We reserve the right (but have no obligation) to monitor the Service for violations of these Terms, take appropriate action against anyone who violates them or the law, and otherwise manage the Service to protect its proper functioning and our rights.

Privacy Policy

Please review our Privacy Policy, which explains how we collect, use, and protect your information and is incorporated into these Terms by reference. The Service is hosted in Australia and the United States; by using it, you consent to your data being processed in those locations as described in the Privacy Policy.

Your Privacy Rights and Data Requests

Depending on where you live, you may have rights to access, correct, delete, or export your personal information, to object to or restrict certain processing, and to data portability. Many of these are available directly in the app. For requests we haven't automated, contact us via our contact page — we will respond within 30 days (or 45 days for CCPA requests from California residents, with possible extension). We will not discriminate against you for exercising your privacy rights.

If your browser or browser extension sends a Global Privacy Control (GPC) signal, we will treat it as an opt-out of the sale or sharing of your personal information. Because we do not sell or share personal information for advertising, this has no practical effect on how we process your data — but we acknowledge and honour the signal.

For full details on your privacy rights, including rights under GDPR, CCPA/CPRA, Australian Privacy Law, and teen-specific state laws, please see our Privacy Policy.

Term and Termination

These Terms remain in effect while you use the Service. We may suspend or terminate your access at any time, with or without notice, for breach of these Terms or for any other reason permitted by law. You may delete your account at any time using the in-app tools. What happens to a Premium subscription when an account is deleted or suspended is set out under "Subscriptions and Billing" above.

If we terminate your account for cause, you may not register a new account to circumvent that termination.

Modifications and Interruptions

We may change, suspend, or discontinue any part of the Service at any time, with or without notice. This includes, for example, closing the web version of the Service, changing which sign-in methods we offer, and not displaying in the App some kinds of information created in earlier versions of the Service. We are not liable for any loss caused by downtime, modification, or discontinuation of the Service, though we'll try to give reasonable notice of material changes where practical. Nothing in this section limits your rights under the Australian Consumer Law, or your right to obtain a copy of your data as described under "User Data".

Governing Law

These Terms are governed by the laws of Queensland, Australia, without regard to conflict-of-laws principles, except where mandatory consumer protection laws of your own country or state require otherwise.

Dispute Resolution

Any dispute arising from these Terms or the Service will first be addressed through informal negotiation — contact us and we'll try to resolve it directly. If that doesn't work within 30 days, the dispute will be resolved by binding individual arbitration rather than in court, conducted under the rules of a reputable arbitration provider (such as the American Arbitration Association), except that either party may bring a qualifying claim in small claims court instead.

• YOU AND SINKWISE EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE PROCEEDING. Disputes must be brought individually.
• You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these Terms, stating clearly that you wish to opt out.
• This section does not apply to claims for injunctive relief over intellectual property or unauthorised system access, which either party may bring in court.

Nothing in this section excludes or limits any guarantee, right, or remedy you have under the Australian Consumer Law or other applicable law that cannot lawfully be excluded or limited by agreement.

Corrections

The Service may contain typographical errors or inaccuracies, including in descriptions or pricing. We reserve the right to correct these and to update information on the Service at any time without notice.

Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE.

SINKWISE IS A BUDGETING AND ORGANISATIONAL TOOL ONLY. WE DO NOT GUARANTEE ANY PARTICULAR FINANCIAL OUTCOME FROM USING IT, AND NOTHING IN THE SERVICE IS FINANCIAL ADVICE (SEE "NOT FINANCIAL ADVICE" ABOVE).

Limitations of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SINKWISE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR FINANCIAL LOSS, ARISING FROM YOUR USE OF THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) WHAT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) FIFTY AUSTRALIAN DOLLARS (AUD $50).

Nothing in this section excludes or limits any consumer guarantee under the Australian Consumer Law that cannot lawfully be excluded. Some jurisdictions don't allow certain limitations on liability, so some of the above may not apply to you.

Indemnification

You agree to defend and hold us harmless from any claim or demand (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right.

User Data

We maintain data you submit to the Service for the purpose of operating it. While we take reasonable steps to protect and back up data, you're responsible for the accuracy of the information you enter, and we are not liable for loss or corruption of data beyond what's required by law. For details on how long we retain your data and how to request deletion, see our Privacy Policy.

Data from the former web app. Funds, deposits and withdrawals, bills and budget expenses you created on the former web app are shown in the App when you sign in to the same account. Some information from the web app is not shown in the App because the App has no matching feature (for example the results of AI Insights and AI News, goal photos, automated-deposit schedules, payday check-in settings and Squads). That information has not been deleted: it stays in your account, protected in the same way as the rest of your data, until you delete your account or ask us to delete it. You can ask us for a copy of all of it at any time via our contact page.

Electronic Communications, Transactions, and Signatures

Using the Service, emailing us, and completing online forms are electronic communications. You consent to receive communications from us electronically, and you agree that electronic signatures and records satisfy any legal requirement that such things be in writing.

Miscellaneous

These Terms, together with our Privacy Policy and Cookie Policy, form the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. These Terms do not create a partnership, employment, or agency relationship between you and us.

Contact Us

Questions about these Terms? Contact us via our contact page.

Evan Paul Lazar (ABN 76318734086), trading as SinkWise
our contact page