2. Finder App Terms

2.1 Introduction

The Finder App is designed and owned by Finder Ventures Pty Ltd (“Finder Ventures”). The Finder App is operated by Hive Empire Pty Ltd (trading as finder.com.au) (“Finder”). Within the Finder App, you can access Services offered by Finder Ventures and affiliated Finder entities (including Finder Wallet Pty Ltd (“Finder Wallet”) and Hive Empire Pty Ltd (“Finder”)). Finder Ventures and the affiliated Finder entities may be referred to as “we”, “us” or “our” in the Terms (as applicable). Together, you and we may be collectively referred to as “Parties”. These Finder App Terms are incorporated by reference into the Finder Terms of Service, which are found here: https://www.finder.com.au/terms-of-service.

The Finder App is a savings tool designed to make your money work harder. It allows you to compare products and services by displaying relevant information for complex offerings, products and services (“Comparison Service”). When you use the Finder App to access the Comparison Service, your use of the Comparison Service is governed by the Comparison Service Terms of Use provided by Hive Empire Pty Ltd, located at https://www.finder.com.au/comparison-service-terms-of-use.

The app also helps you easily keep track of all your money by allowing you to connect your bank, credit or other accounts. We will analyse your use, ongoing spending and expenses and provide you with clever insights into how to improve your finances and find you better deals. When you request us to connect your bank, credit or other accounts, the provision of Net Wealth is governed by these Finder App Terms.

You can also obtain your current credit score and in some cases your file through the Online Platform. When you request us to obtain a Credit Score from our Site or the Finder App, the provision of the Credit Score is governed by the Credit Score Terms provided by Hive Empire Pty Ltd (trading as finder.com.au), located at https://www.finder.com.au/credit-score-terms-and-conditions.

Within the Finder App, Finder Wallet allows you to buy and sell eligible cryptocurrency through its digital currency exchange.

All purchases, sales and similar transactions of eligible cryptocurrency with the Finder App are governed by the Cryptocurrency Trading Terms provided by Finder Wallet, located at https://www.finder.com.au/cryptocurrency-trading-terms.

By using the Finder App, you're trusting us with your information. We understand this is a great responsibility and it's important for you to understand what information we collect and why we collect it. Please understand that by using the Finder App you are confirming that you have read and understood both our Privacy Policy and Terms of Service.

2.2 How will Finder use my data?

Based on your expenses and accounts, we will find personalised ways to save and help you make the most of your money. The Finder App is a read-only service, so no money will be moved in or out of your accounts when you use the app.

2.3 Who can access my data?

As long as you have biometric or PIN authentication enabled, no one but you can access your data through the Finder App. Authorised Finder employees have restricted and audited access to our systems for engineering and troubleshooting purposes only. We do not sell your information.

2.4 How can I opt out of my data being used?

You can opt out at any time by disconnecting your bank accounts via the app settings.

2.5 Acceptable Use Policy

You may not use the Finder App or any services available within the Finder App to engage in conduct that, in our opinion:
a. is unlawful;
b. is defamatory, harassing or threatening to any person;
c. promotes or encourages physical or mental harm of any person;
d. promotes violence against and person; or
e. threatens or promotes terrorism.

In the event that you fail to comply with our Acceptable Use policy as detailed above, we may without notice and immediately or at any time:
f. Refuse to process or complete any transaction or dealing of yours; and/or
g. Suspend or discontinue your access to the Finder App or any services available within the Finder App.

2.6 Net Wealth

a. ‘Net Wealth’ allows you to see a summary of your assets and liabilities.
b. Using Net Wealth you can see:
accounts or holdings you have linked within the Finder App;
accounts or holdings you have with Finder Wallet (for instance, your crypto trading balance);
information you have provided in past product applications about properties, assets and liabilities; and/or
information that you have chosen to include in your Net Wealth.
c. You can remove or update the balance or value of any asset or liability in your Net Wealth via the Finder App, this includes adding a description or explanation of what the asset and/or liability represents.
d. Net Wealth also allows you to view your ‘net worth’. The Net Wealth figure is a calculation of the difference between your total assets and your total liabilities as shown in Net Wealth. It will not take into account other information about your financial circumstances that you have not included in Net Wealth.
e. Information about your holdings with other financial institutions is not automatically updated. Please make sure you regularly refresh this information to ensure you have an accurate calculation of your ‘net worth’.

2.7 Using Touch ID (fingerprint logon for iPhone 5S or later)

If you have the Finder App installed on an iPhone that has Touch ID available, you will be able to turn on Touch ID access for the Finder App. Turning on Touch ID for the Finder App means that you can access the app using your fingerprint instead of your PIN or password. For certain transactions on the Finder App, you may be prompted to enter your PIN or password as an additional security measure.

You must not turn on Touch ID access for the Finder App if you have any fingerprints stored on your device other than your own, if, after turning on Touch ID, you allow other people to use their fingerprints on your device, you must first turn off Touch ID access for the Finder App.

If you do allow anyone else’s fingerprints to be stored on your device (despite this being against the Finder App Terms): (i) they will be able to access your Finder Account and considered authorised to do so; and (ii) you will be responsible for their transactions.

Touch ID access for the Finder App can only be turned on if it is available on your iPhone model and has been enabled by you on your device. Touch ID is technology provided by Apple and accordingly we are not responsible: (i) for any malfunction in Touch ID; and (ii) if Apple makes any changes to its Touch ID technology that impacts the way you access the Finder App.

You will still be able to access the Finder App using your PIN or password.

If you choose to use Touch ID access for the Finder App, you will still need your PIN and must set and protect your PIN in the manner outlined in these Finder App Terms.

2.8 Using Face ID (iPhone X or later)

If you have the Finder App installed on an iPhone that has Face ID available, you will be able to turn on Face ID access for the Finder App. Turning on Face ID for the Finder App means that you can access the Finder App using facial recognition instead of your PIN or password. For certain transactions, you may be prompted to enter your PIN or password as an additional security measure.

You must not turn on Face ID access for the Finder App if the Face ID stored on your phone is not your own. If, after turning on Face ID, you allow other people to store their Face ID on your device, you must first turn off Face ID access for the Finder App.

If you do allow anyone else’s Face ID to be stored on your device (despite this being against the Finder App Terms): (i) they will be able to access your Finder Account and considered authorised to do so; and (ii) you will be responsible for their transactions.

Face ID access for the Finder App can only be turned on if it is available on your iPhone model and has been enabled by you on your device. Face ID is technology provided by Apple and accordingly we are not responsible: (i) for any malfunction in Face ID; and (ii) if Apple makes any changes to its Face ID technology that impacts the way you access the Finder App.

You will still be able to access the Finder App using your PIN or password.

2.9 Protecting against unauthorised transactions

2.9.1 Finder App access PIN

a. When you register for the Finder App, you have the option to set up a Finder App access PIN.
b. You can change this PIN after logging into the Finder App.

2.9.2 How to protect your Finder App access PIN

a. You should always:

• memorise the PIN as soon as possible - if you record it, disguise it so others can’t decipher it;
• if you nominate a PIN, use a number that is not obvious or can’t be easily guessed (e.g. don’t use date of birth or driver’s licence number); and
• Take precautions when using the Finder App (e.g. don’t let anyone watch you enter your PIN).

b. You must never:

• tell or let anyone find out your PIN - not even family or friends;
• record a PIN on your device or computer;
• keep a record of the PIN with your device.

2.9.3 Other things you must do

a. Lock your mobile device and take any reasonable steps to stop unauthorised use of the Finder App.
b. If your mobile device is lost or stolen, notify us immediately.
c. If you suspect your Finder App access PIN has become known to someone else, notify us immediately.
d. Only install approved applications on your mobile device and never override the software lockdown (i.e. jailbreak your mobile device).

2.9.4 Other things you must never do

a. Allow another person to use your device to access any of the Services available through the Finder App.
b. Leave your mobile device unattended.
c. Use the Finder App with a device other than a compatible mobile device.

2.10 Other things you should know

2.10.1 Verifying your email address for full access

a. For security reasons, each time you register for the Finder App, you are prompted to verify your email address.
b. After verifying once, you won’t have to do so again on the same device until you need to re-register.

2.10.2 Check the details you enter carefully

a. Please take care to enter the correct details or your transactions may be unsuccessful and/or you may not be able to recover transaction amounts. We do not check that the details that you provide are correct.
b. You cannot delete or cancel a Finder App transaction once it has been made.

2.10.3 Fees

Fees and charges are published on the Finder App. We may change our fees and charges from time to time. We may notify you of any changes to our Fees and Charges by publishing changes on the Finder App. You should review the current fees and charges prior to accessing or using any of the Services. You may incur charges from your mobile service provider for downloading and using the Finder App.

2.10.4 Location data

If you grant the Finder App permission to use your device’s location information, we will log this information for security purposes and to enable other Finder App functionality where location information is required. This information is used to enable us to continually improve our service.

2.10.5 Suspension or termination

Despite any rights contained in the Finder App Terms:
As part of our Anti-Money Laundering Program (“AML Program”), we will monitor your Finder Account and your use of the Finder App, and review your personal information on an ongoing basis, as may be required by law or pursuant to our internal policies and procedures. At any time, we may require you to provide us with additional personal information as a condition to your continued access to and use of your Finder Account and the Finder App. During such time, we may immediately refuse to process or complete any transaction or dealing of yours, and suspend or terminate the provision of the Finder App to you.

We can also suspend or terminate access to the Finder App or not process a transaction without notice if:

a. we think you are using the Finder App in connection with unlawful means including fraudulent or in a way that might cause you or us to lose money.
b. we consider to do so is reasonably necessary, for example, to comply with laws in Australia or overseas or manage regulatory risk.

To manage our compliance with international laws and our financial and regulatory risk, we can also suspend or terminate the provision of the Finder App to you while you are within sanctioned countries.

We may also at our discretion suspend or terminate the provision of the Finder App. When we exercise this discretion, we will act fairly and reasonably towards you in a consistent and ethical manner. In doing so, we will consider your conduct, our conduct and the accounts, products and/or services which are being used.

If we exercise our rights under this clause, we will be under no liability to you and you must pay any of our losses, costs or expenses that will incur in relation to any action taken under this clause.

2.10.6 Changes to the Finder App Terms

We may change these Finder App Terms at any time. We will notify you of any material changes by electronic notice to you via your device or the App Store. We may require you to confirm your acceptance of changes to continue using the Finder App.

2.10.7 Product information

You may be able to access information about our or our partner’s products and services via the Finder App. You acknowledge that it is your responsibility to assess the appropriateness of any product or service in light of your personal objectives, financial situations or needs, and, if necessary, seek appropriate professional advice. The provision of product information is not and should not be seen as the provision of personal financial advice.

2.10.8 Acknowledgement and compliance

The Finder App is not provided by Apple or any other third party provider. Accordingly, any queries or complaints regarding the app (including but not limited to issues regarding intellectual property) should be directed to us and not Apple. The foregoing applies for the benefit of Apple. You also acknowledge the application of Australian anti-money laundering and counter terrorism financing regulations, and agree that you are not in a location that is subject to a government embargo.

2.10.9 Collecting device and network information

You acknowledge and agree that we will collect information about your device and network connectivity for security purposes, including:
a. Device characteristics and unique identifiers
b. Cellular and WiFi network names and encryption levels; and
c. IP addresses.

2.11 Other bank accounts

2.11.1 About Consumer Data Right (CDR)

The Consumer Data Right (CDR) was introduced by the Federal Government to provide customers with rights to access specified data that relates to them (CDR data) held by an organisation (data holder). It also allows customers to authorise sharing of their CDR data to third parties (accredited data recipients). Finder is an accredited data recipient under the CDR. Where a third party holds your CDR data, you can consent for us to collect your data from the third party so we can provide you with a product, service or feature. Refer to Finder’s CDR Policy for more information, including how we handle your CDR data.

2.11.2 About other bank accounts

If you consent, Finder may collect, hold and use your CDR data to give you a better view of your financial position by allowing you to see your accounts from some other banks in the Finder App. We may ask for you to share some of your CDR data, including account balances and features of products you have with other banks.

Data sharing is only available from some banks right now. Over time, we may introduce more services or features that use data from other banks or organisations.

2.11.3 Adding other bank accounts to the Finder App

If you’d like to share your CDR data from other banks to see your accounts in the Finder App, you must be at least 18 years old and registered for Finder App. You must go through the Finder App to add your other bank accounts, provide your consent to collect and use your CDR data, and confirm with your other bank before you can share your CDR data with us.

2.12 Notifications

We may send notifications via a push notification service or other reminder mechanism or via SMS. Push notifications will be sent to any compatible device on which you have installed and registered the Finder App with push notifications enabled, and confirmed your mobile number.

Depending on your phone settings, notifications may be seen by other people (including unauthorised persons) who are able to see your phone. Please check the notification settings on all your devices to ensure the privacy and notifications settings are appropriate for your use.

Alerts may include:

• Security and service alerts
• Alerts when new versions or upgrades are available
• Special offers, information and reminders about products and services

You agree to receive notifications and acknowledge that their delivery may be subject to the quality of your connection. It is your responsibility to check any notification information before acting on it. All notifications will be sent to you and managed in accordance with our Privacy Policy. We reserve the right to suspend or discontinue notifications at any time without notice. Notifications that do not affect your obligations to comply with the terms applicable to the products and services you use via the Finder App.

As part of the Finder App, we may from time to time send you messages, e.g. through push notifications or within the notifications section inside the Finder App, including commercial electronic messages advertising, promoting or offering new or existing products, services or messages. You agree to receive such messages and that commercial electronic messages need not contain information about how to unsubscribe.

Terms Last Modified: 16 May 2023