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 website at sinkwise.app and the budgeting service offered through it (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.
You must be at least 13 years old to create a SinkWise account. During signup, you are required to enter your date of birth — not just tick a box — so we can verify your age. If the date of birth you provide indicates you are under 13, your registration will be blocked and we will not retain the information you submitted.
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.
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.
By using the Service, you represent and warrant that:
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.
You may need to register an account to use the Service. You are responsible for keeping your password confidential and for all activity that happens under your account. Notify us promptly if you suspect unauthorised use of your account. Where we offer them, sign-up and sensitive account actions use consent mechanisms that are never pre-ticked — you must actively choose to proceed.
Certain features are available only through SinkWise Premium, a paid subscription billed monthly (currently US$8.99 per month, charged in your local currency at checkout) through our payment processor, Stripe.
SinkWise Premium includes two optional AI features that use a third-party AI model (currently provided by Anthropic): AI Insights (observations, suggestions and projections) and AI News (a scan of recent news that may affect your finances, which also uses an automated web-search tool).
By using AI Insights or AI News, you acknowledge they are AI-generated features, consent to your SinkWise data being processed as described, and agree to use the output at your own discretion.
You agree not to:
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.
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.
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.
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.
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.
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.
If we terminate your account for cause, you may not register a new account to circumvent that termination.
We may change, suspend, or discontinue any part of the Service at any time, with or without notice. 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Questions about these Terms? Contact us via our contact page.
Evan Paul Lazar (ABN 76318734086), trading as SinkWise
our contact page