Terms & Conditions

A legal disclaimer

Last updated: 07 Novemver, 2025

These Terms & Conditions (“Terms”) govern your access to and use of the MonEsmart mobile

application and services (“Services”). The Services are operated by MonEsmart Pty Ltd (ABN

661773388) (“MonEsmart”, “we”, “our”, “us”).

By using the Services, you agree to these Terms and our Privacy Policy.

1. Eligibility

• You must be located in Australia and able to form a legally binding contract.

• Parents/guardians may manage accounts for minors and are responsible for their use.

2. Your Account & Security

• You are responsible for keeping your login details confidential.

• Notify us immediately if you suspect unauthorized account access.

• We may suspend accounts for fraud or security risks.

3. Financial Services & Transactions

• Payments and transfers are processed via trusted partners including Stripe.

• You authorize us to verify and process financial information.

• Incorrect payment details are your responsibility.

• We may suspend or delay payments for fraud or compliance checks.

4. Fees

• Certain services may incur fees, disclosed before use.

• Fee changes will be communicated ahead of time.

5. Prohibited Conduct

You must not:

• Engage in fraud or illegal activities

• Interfere with security or other users’ accounts

• Commercially exploit or resell the Services

6. Intellectual Property

• Content in the Services is owned or licensed by MonEsmart.

• You may use it for personal, nonncommercial use only.

7. Availability

• Service disruptions may occur due to maintenance or thirdnparty issues.

• We do not guarantee uninterrupted access.

8. Liability

• To the extent permitted by law, we exclude liability for financial loss, lost data, or damages.

• Liability is limited to rensupplying the service or a refund if applicable.

• Your Consumer Law rights remain unaffected.

9. Closing Your Account

• You may close your account via the app or by contacting us.

• We may retain data as required for compliance.

10. Termination by Us

• We may suspend or terminate access for breaches, inaccurate information, or harmful behavior.

11. Changes to Terms

• Updates will be notified via app or email.

• Continued use = acceptance of updated Terms.

12. ThirdnParty Services

• External links or services are not under our control.

• Use of thirdnparty services is at your own risk.

13. Governing Law

• These Terms are governed by the laws of Queensland and Australia.

• Disputes will be handled in Queensland courts.

14. Contact

MonEsmart Pty Ltd

65 Bisschop Street, Deception Bay, QLD 4508

Email: info@monesmart.com | Phone: 0455 670 896