Your agreement to these terms and conditions
In these Terms 'us', 'we' and 'our' means Frollo and our related entities. These Terms may be updated from time to time at our discretion. Users ("you") are responsible for reviewing and keeping informed of any changes to these terms and conditions. Continued use of the Services implies your acceptance of amended Terms.
Thank you for visiting us. The Personal Finance Manager Application and related software and services is owned and operated by Frollo and is provided to you on the basis of these Terms. Pioneer Credit Limited ABN 44 103 003 505 (Pioneer) is a third party beneficiary of these Terms. Upon your acceptance of these Terms, Pioneer will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
Frollo is your financial companion that effortlessly automates your finances to assist in achieving your financial goals and get MORE from your money.
USE OF THE PERSONAL FINANCE MANAGER APPLICATION IS NOT FINANCIAL ADVICE OR A SUBSTITUTE FOR FINANCIAL ADVICE:
Frollo does not hold an Australian Financial Services Licence and cannot and does not give financial, financial planning, estate planning, legal and/or tax advice.
The Services are intended to assist you generally in managing and reviewing your finances, and are not intended to, and nor do they, provide financial, financial planning, estate planning, legal and/or tax advice. Any information provided to you by us through your use of the Services is for your own general information and education purposes only and which, does not take into account your individual and personal circumstances, objectives, financial situation or needs. It is not intended to take the place of professional financial, accounting, legal and/or taxation general or specialist advice and you should not take any action on issues relating to your finances, financial planning, estate planning and/or tax planning in reliance on this information or before seeking out such professional advice.
Before making a financial decision, you need to consider (with or without the assistance of a professional adviser) whether any information supplied from your use of the Services is appropriate to your needs, objectives and circumstances. You enter into any products or services presented by us at your own risk.
The Services will evolve over time. Frollo reserves the right to amend these Terms at any time, effective upon the posting of modified terms on our website (http://www.frollo.us). It is your obligation to ensure that you have read, understood and agree to the most recent terms available on our website. You should immediately cease using the Services if you do not agree to our Terms.
Third party Provision of Services
Frollo uses a third party software platform provided by Yodlee Inc (“Yodlee”) to allow users to access their bank account transactions.
By using the Services you authorise Frollo and its service providers, (including Yodlee), to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register accounts requested by you.
To the extent permitted by law, Frollo shall not be liable in respect of any technical or other difficulties which may result in failure to obtain data or loss of data, personalisation settings or other service interruptions. Frollo does not assume any responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalisation settings.
Third Party Links and Offers
Frollo may also present information to you relating to third party products or services. We do not endorse, warrant or guarantee these products or services and we will always disclose when an offer is sponsored.
Frollo does not guarantee nor represent that any third party offers, products or services presented to you via our Services are actually the terms that will be offered to you if you decide to pursue the offer, or that they are the best terms, or lowest rates available.
All third party products and/or services including names, services, company names and logos mentioned as part of the Services are trademarks of their respective owners, and are not associated or affiliated with Frollo.
In order for us to provide the best service you agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
You agree and understand that you are responsible for maintaining the security and confidentiality of your password, which, together with your Login ID email address, allows you to access the Services (“User Information”).
By providing us with your email address, you agree to receive all required notices electronically, to that email address. It is your responsibility to update or change that address, as appropriate.
You agree to notify Frollo immediately if you become aware of any unauthorized use of your User Information.
Frollo may offer users paid plans which are subject to subscription fees (“Fees”). The applicable Fees may be listed on our website, within our app or on the applicable app store. Fees may change from time to time but we will always give you at least 30 days’ notice of any fee increase. All amounts will be in Australian dollars and are inclusive of any applicable taxes. All Fees are non-refundable.
You may cancel your account at any time through the app or by contacting us through the email address listed below. Once you have requested us to cancel your account all information will be deleted from our systems, and nothing will be retained other than as required by law. Simply deleting the app will not give effect to termination and deletion of your information.
By using the Services, you affirm that you are either over 18 years old, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into these Terms and to abide by and comply with these Terms.
By using the Services, you agree:
By using the Services, you agree not to:
All content on the website and application is owned by Frollo or its related entities. This includes but is not limited to copyrights, trademarks, trade secrets, patents, titles, graphics logos and other intellectual property rights. Frollo retains all right, title, and interest in and to the Services and all related content and intellectual property, and nothing you do on or in relation to the Services, or any of the related content will transfer any rights, in intellectual property or otherwise. You agree not to do anything that interferes with or breaches Frollo's intellectual property rights. You are forbidden from copying, downloading, reproducing or distributing any information contained in the Services without prior written consent from Frollo. You may view content or print a copy of material from the website for personal, non-commercial use, provided that you do not modify the content in any way.
You are licensing to Frollo and its service providers any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to the Service. Frollo and its service providers may use, modify, display, distribute and create new material using such Content to provide the Services to you.
Frollo and its service providers may also use, sell, license, reproduce, distribute and disclose aggregate, non-personally identifiable information that is derived through your use of the Services.
By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, that Frollo and its service providers may use the Content for the purposes set out above. As between Frollo and its service providers, Frollo owns your confidential account information.
Limitation of Liability
To the maximum extent permitted by law and subject to Schedule 2 of the Competition and Consumer Act 2010 (Cth) (the Australian Consumer Law), in no event shall Frollo, it's related entities, service providers nor any of their affiliates be liable for any direct and indirect loss, damage or expense, irrespective of the manner in which it occurs, which may be suffered due to your use of our Services and or the information contained on our website and application. This includes but is not limited to damages related to loss of profit, goodwill, use, data or other intangible losses resulting from:
We understand that, in some jurisdictions, certain warranties, disclaimers and conditions cannot be legally excluded. If this is applicable in your jurisdiction, including where the Australian Consumer Law applies, then, to the extent permitted by law, Frollo limits its liability for any claims under any such warranties or conditions to either supplying the Services to you again, or the cost of supplying the Services to you again. Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by the Australian Consumer Law.
Warranties and Indemnification
To the extent permitted by applicable law and subject to the Australian Consumer Law, by using the Services, you agree that your use of the Services and all information, products and other content (including that of third parties) included in or accessible from the Services is at your sole risk. The Services are provided on an "as is" and "as available" basis. To the extent permitted by applicable law and subject to the Australian Consumer Law, Frollo and service providers expressly disclaim all warranties of any kind as to the service and all information, products and other content (including that of third parties) included in or accessible from the service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and noninfringement.
To the extent permitted by law and subject to the Australian Consumer Law, Frollo and its service providers make no warranties or representations of any kind that (i) the Services will meet your requirements, (ii) the Services will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Services will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Services will meet your expectations, (v) any errors in the technology will be corrected, or (vi) the Services will be accessible from any location.
Any material downloaded or otherwise obtained through the use of the Services is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from Frollo or its service providers through or from the Services will create any warranty not expressly stated in these terms.
To the extent permitted by law and subject to the Australian Consumer Law, you agree to defend, indemnify and hold harmless Frollo and Pioneer, its related entities, partners, service providers, affiliates, contractors, officers, directors, employees and agents from and against any and all claims, liability, damages, losses, obligations, expenses (including but not limited to legal fees), costs or debt caused by or arising directly or indirectly from (i) your use of and access to the Services, (ii) your violation of these Terms, (iii) your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone, or (iv) any claim that your content caused damage to a third party. This defense and indemnification obligation will survive these Terms and your use of the Services.
Jurisdiction and governing law
Your use of the Services and these Terms are governed by the law of New South Wales, Australia and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in New South Wales, Australia.
These Terms may not be transferred or assigned by you, but may be assigned by Frollo without restriction.
If any clause of these Terms is held to be invalid, void, unlawful or unenforceable for any reason, that clause will be severed from the Terms and it will not affect the validity and enforceability of the remainder of the Terms.
No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and Frollo's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
The provisions of these Terms which by their nature survive termination or the expiry of these Terms, will survive cancellation or your registration or termination of the Services.
For further information about these Terms or our practices, or make a complaint, please contact us using the details set out below:
Works with all Australian banks, Building Societies and Credit Unions.