Terms and Conditions

WildCard is operated by Wildcardapp Pty Ltd (ACN 688 712 585, ABN 24 688 712 585) of 13, 484 Graham Street, Port Melbourne VIC 3207. In these terms, "WildCard", "we" and "us" mean Wildcardapp Pty Ltd.

Part A covers your use of our website at wildcardapp.com and any WildCard material you receive from us without an account, including waitlist emails.

You may read and use our website for your own information. You must not try to probe, disrupt or gain unauthorised access to it, copy it to pass off as your own, or use it for an unlawful purpose.

We try to keep the website accurate and up to date. It describes a product that is still being developed, so it may not always be complete or current.

If you join our waitlist or ask to hear from us, we'll send you emails about WildCard. Every marketing email we send says who it's from and has a working unsubscribe link. We act on unsubscribes within five business days. Unsubscribing is free and you don't need to log in or have an account.

Some of what we publish describes things we plan to build, including a WildCard card. When we describe a future product or feature:

• it describes what we're working towards, not something you can get today;
• it isn't an offer, and you can't buy, order or sign up for it through our website or app;
• if we do release it, it will be offered separately, under its own terms, and only if you choose to take it up; and
• plans can change, and we may not release it at all.

The WildCard name, logo and the content we publish are owned by or licensed to Wildcardapp Pty Ltd. Nothing in these terms transfers any of it to you. Anything you give us remains yours.

Our Privacy Policy at wildcardapp.com/privacy explains how we handle personal information. It forms part of your agreement with us.

If something goes wrong, tell us. Email support@wildcardapp.com with "Complaint" in the subject line, and tell us what happened, when, and what outcome you're looking for. Making a complaint is free.

We'll acknowledge your complaint within one business day and give you an outcome within 30 days. If it's complex and we need longer, we'll tell you why and keep you updated.

Bank data complaints. If your complaint is about bank data collected through the Consumer Data Right, you can raise it with us and we'll work with Fiskil Pty Ltd, our CDR principal, to resolve it. You can also contact Fiskil directly at complaints@fiskil.com.au. If it isn't resolved, you can take it to the Australian Financial Complaints Authority (AFCA), which is free and independent: afca.org.au, 1800 931 678, GPO Box 3, Melbourne VIC 3001. Fiskil's AFCA membership number is 83521.

Privacy complaints. If you're not satisfied with our response to a privacy complaint, you can contact the Office of the Australian Information Commissioner: oaic.gov.au, 1300 363 992.

Nothing in these terms excludes, restricts or changes any consumer guarantee, right or remedy you have under the Australian Consumer Law that can't lawfully be excluded.

The version number and date are shown at the top of this page. If we make a material change, we'll publish the updated terms and, if you have an account, give you at least 30 days' notice in the app or by email before the change takes effect. You can close your account without penalty before it applies. Minor changes, such as clarifications and corrections, take effect when published.

These terms are governed by the laws of Victoria, Australia. You and we both submit to the non-exclusive jurisdiction of the courts of Victoria and the courts that hear appeals from them.

Wildcardapp Pty Ltd, 13, 484 Graham Street, Port Melbourne VIC 3207

support@wildcardapp.com

You accept these terms by creating a WildCard account. Browsing our website or receiving our emails doesn't create an account or bring Part B into effect.

You must be at least 18 years old, live in Australia, and be able to enter a legally binding agreement. One account per person.

To connect a bank account, you must also be eligible to share data from that account under the Consumer Data Right.

WildCard helps you find, track and make decisions about your subscriptions. For example, it can suggest likely subscriptions found in bank accounts you choose to connect, track subscriptions you add yourself, send you reminders and alerts about your subscriptions, and show you your subscription spending.

We may add, change or remove features from time to time. If a change significantly reduces what WildCard does for you, we'll tell you before it takes effect.

• The WildCard app can't affect your payments. It can't pause, block, stop or change any payment or charge. Connecting a bank account only lets us read account and transaction data.
• WildCard doesn't cancel subscriptions for you. Cancelling happens between you and the merchant.
• WildCard isn't financial advice. Everything we show you is information about your own spending, and some of it is estimated. We don't recommend financial products, and nothing in the app takes your personal circumstances into account. What you keep, cancel or pay for is up to you.
• Detection isn't perfect. We find likely subscriptions from patterns in your transactions. We may miss some, for example ones paid in cash, through PayPal, through app-store billing, or from accounts you haven't connected. We may also sometimes suggest something that isn't a subscription. Renewal dates and amounts are estimates until an actual charge confirms them.
• We rely on data from others. What we show depends on data from your bank and other sources, which may be incomplete, delayed or wrong.

• Bank connections use Australia's Consumer Data Right (CDR). We are a CDR representative of Fiskil Pty Ltd, an accredited data recipient (accreditation number ADRBNK000246). We use a platform provided by Fiskil to manage bank connections and consents. With your consent, Fiskil collects your data from your bank and discloses it on our behalf, so we can provide the service described in these terms. Fiskil's CDR Policy, which we adopt, explains how CDR data is handled: fiskil.com/legal/cdr-policy.
• The connection is read-only. Connecting an account lets WildCard read your account and transaction data. It doesn't let us or Fiskil move money.
• You're in control. You choose which accounts to connect. Your consent lasts 12 months. You can withdraw your consent at any time in the app, and withdrawing is as easy as consenting.
• When consent ends. When your consent expires or you withdraw it, we stop receiving data from that bank, and your CDR data from that connection, and everything we worked out from it, is deleted in line with the CDR rules and Fiskil's deletion process. Subscriptions you added yourself can stay.
• We only use your bank data to provide the service. We don't sell it, and we don't use it for marketing.

WildCard can send you notifications on your phone and by email.

• Reminders and service messages are part of the product: reminders and alerts about your subscriptions, bank connection updates, and security or account notices. They're factual and contain no promotional content.
• Don't rely on notifications alone. A notification can be delayed or not arrive, for example if your phone is offline or notifications are turned off.
• Marketing messages are different. We only send them if you've agreed to receive them, and you can stop them at any time without affecting your reminders or service messages.
• You can turn off most notifications in WildCard, and all push notifications in your phone's settings.
• We don't use your bank data to choose who gets marketing messages or to trigger them.

You're responsible for keeping access to your account secure and for the accuracy of anything you enter yourself.

You must not use WildCard for someone else's accounts without their permission, try to probe, disrupt or reverse-engineer the service, or use it for an unlawful purpose.

You can delete your account at any time in the account area of the app. Section B11 explains what happens when you do.

WildCard is currently free to use. If we ever introduce paid features, they'll be optional and clearly priced, and you'll have to actively choose them. We'll never move you onto a paid plan without your express agreement.

Subject to section A8, we're liable for loss we cause that is a reasonably foreseeable result of our failing to take reasonable care. We're not liable for loss caused by relying on estimated renewal dates or amounts (see section B4), by events outside our reasonable control, or by anything your bank or a merchant does or fails to do. We don't exclude liability for our own negligence, for fraud, or for breach of a consumer guarantee.

Where we're allowed to limit our liability for breach of a consumer guarantee, our liability is limited, at our choice, to supplying the service again or paying the cost of having it supplied again.

We give you a personal, non-transferable license to use the WildCard app for its intended purpose. Your data remains yours.

You can stop using WildCard at any time, and you can delete your account in the account area of the app. Deleting your account ends any active bank connections and deletes your personal information as described in our Privacy Policy.

We may suspend or close your account if you seriously breach these terms (with notice and a chance to fix it where that's reasonable), if the law or our CDR obligations require it, or if we stop providing the service. If we stop providing the service, we'll give you at least 30 days' notice, and your data will be handled under our Privacy Policy and the CDR deletion rules.