Welcome to Financy. Please read these Terms before using, or submitting your information and content in any form or medium for publication on, Financy, or using any of our services including the Impacter application and the Financy Women’s Index report. By continuing to use the Financy website and Impacter application, by submitting content or data, or by using our Services, you agree to comply with these Terms.
- Use of the Website
1.1 You must use the Financy Website and Impacter application (Services) in accordance with these Terms. By using the Financy website and Impacter application you warrant that you are over 18 and legally capable of entering into a binding contract, or, if under 18, that you have any necessary permissions from your guardian.
1.2 You are solely responsible and liable for all activity and communication on the Financy website and Impacter application initiated by yourself or via your registered account login (your Account).
1.3 You must not use the Financy website and Impacter application for any unlawful purpose, use the Financy website and Impacter application to engage in any offensive or defamatory conduct or infringement of a third party’s rights, or interfere with the Financy website and Impacter application’s operation or security.
1.4 You must keep your Account login details secure and confidential and notify us immediately of any actual or suspected security breach.
1.5 If you use a workplace email address or facilities for your Account or to access the Financy website and Impacter application, then you are solely responsible for ensuring that you comply with your workplace rules.
1.6 You must not attempt to damage the Financy website and Impacter application in any way or introduce any virus or harmful code to the Financy website and Impacter application.
1.7 As we consider necessary in our discretion, we can temporarily or permanently restrict your access to the Financy website and Impacter application or revoke your Account.
1.8 We may change the Financy website and Impacter application from time to time in our discretion.
- Information on our Website and Impacter Services
2.1 Financy provides information only, not advice. The information we provide is not an offer, solicitation, or a recommendation for any financial product and is not intended to influence readers’ investment or tax management decisions. Where we provide information about past performance, you should note that this is not an indicator of future performance. You should seek professional investment advice based on your personal circumstances before making any investment decision.
2.2 Opinions and other statements expressed by users and third parties (such as content contributors and event speakers) (Third Party Material) are theirs alone, not opinions of Financy. Content created by third parties is the sole responsibility of the third parties and its accuracy and completeness are not endorsed or guaranteed by Financy.
2.3 While we use reasonable efforts to ensure the accuracy and completeness of the information we include on the Website (other than Third Party Material), you should use your own judgment and make your own enquiries about the suitability of the information for you.
2.4 The Website may contain links to other third party websites. We do not endorse the content of these websites nor provide any warranties regarding the accuracy of their content.
- Impacter Services
3.1 Financy reserves the right to charge for Impacter and offer annual subscriptions, payable by the month or upfront. Package details are set out on our Website.
3.2 You have a 7 day cooling off period after subscribing to Impacter. After that period, subject to your rights under the Australian Consumer Law, your fee is not refundable. However, if you have special circumstances, please contact us and we will consider your request for a refund.
3.3 We may increase Impacter fees annually. Details of pricing are set out on our Website.
3.4 Your Impacter charge will be automatically renewed each year, on the anniversary of the date you joined. After your first year has passed, your subscription will continue month by month, or you can contact us if you would like to terminate your subscription.
3.5 When you create your Account, it is your responsibility to ensure your details are accurate and up to date.
3.6 Please make sure that the credit card or other payment details that you provide are correct. If we cannot successfully process your payment, we will notify you. You will be responsible for any bank fees including dishonour fees.
3.7 If you attend a Financy event, you must also comply with any conditions for attendance that we notify to you. We may film or photograph attendees and use the film or photographs in our business including marketing. If you do not wish your image or voice to be used, you should email us before the event.
3.8 We are entitled to revoke your subscription if you breach these Terms.
3.9 Our Services may include introductions to third parties such as consultants and digital media specialists. Third parties may also offer discounts or other special offers to Impacter subscribers.
3.10 We take reasonable steps to ensure that all our third parties are reputable. However, it is your decision whether to obtain services or take up a special offer from a third party, and Financy is not responsible for the third party’s performance. If you have any concerns or complaints about the third party, you should take the issue up with the third party.
4.1 You indemnify us and our personnel from and against all losses and claims resulting from your breach of these Terms, any applicable law or any third party rights.
4.2 Except as set out in this clause, we exclude liability for any claims, losses, damage, costs or expenses incurred by you in connection to your use of this Website and Impacter Services, whether arising in contract, negligence or otherwise. We do not warrant that the Website or Impacter Services will be uninterrupted, error-free or free from viruses or harmful code.
4.3 We exclude all representations and warranties, expressed or implied, including but not limited to those relating to fitness for a particular purpose. You acknowledge that the Website and Impacter Services are provided “as is” and that we do not make any warranty or representation as to the suitability of the Website or Services for any purpose.
4.4 All limitations and exclusions set out in these Terms apply to the extent permitted by law, including your rights under the Australian Consumer Law.
4.5 Our products and services may come with guarantees that cannot be excluded under the Australian Consumer Law. You may have rights under the Australian Consumer Law for major and minor failures. In addition to other entitlements, for a major failure you may be entitled to a refund or compensation for the reduced value of the product or service. For a minor failure, we may choose to provide you with a refund or re-supply the product or service.
4.6 To obtain compensation, you will need to provide documentary evidence of the loss or damage suffered, and documentary evidence that such loss or damage was a reasonably foreseeable consequence of our failure to comply with a consumer guarantee under the Australian Consumer Law.
4.7 The type of remedy we will offer you may vary depending on how long it takes you to make a claim.
4.8 To the extent permitted by law, we will not be liable to you for indirect or consequential loss arising from or connected to our Website or Impacter Services arising in contract, negligence or otherwise.
4.9 Our liability to you for loss or damage of any kind arising out of these Terms or in connection with your use of the Website or our Impacter Services is reduced to the extent (if any) that you cause or contribute to the loss or damage. This reduction applies whether our liability is in contract, negligence or otherwise. You must mitigate your loss.
4.10 Although we intend to take reasonable steps to prevent the introduction of viruses, worms, or other harmful code, we do not guarantee or warrant that our Website or Impacter Services, or any material included in them, will be free of harmful code.
4.11 Due to the number of sources from which content on our Website and Impacter Services is obtained, there may be delays, omissions or inaccuracies in content on our Website and Impacter Services – for example, stock prices and market data. This content is for your reference only and should not be relied upon by you for any purpose.
- Intellectual property
5.1 The contents of the Website incorporate our intellectual property and you must not copy or reproduce or redistribute any part of the Website or Impacter Services such as the Impacter assessments and scoring framework.
5.2 Any third party trademarks included in the Website or Impacter Services are subject to the rights of the third party and remain the intellectual property of the third party.
5.3 If you provide any content to the Financy Website, excluding the Impacter, such as reviews, testimonials, forum posts, or other information, you grant us an irrevocable, perpetual, non-exclusive, royalty-free, worldwide licence to use, copy, adapt and sub-license that content for our purposes and you provide all necessary consents in relation to moral rights to enable us to do so. You warrant that you have the right to provide this licence and consent in relation to all such content, and that the content is not misleading, defamatory or offensive, or otherwise contrary to law or an infringement of the rights of any third party.
All information collected via Impacter application are stored securely in our servers via Google Cloud and remains private and confidential to the organisation. All passwords and login details are encrypted and stored with Google Firebase.
Financy Pty Ltd and Tech for Good Group Pty Ltd in partnership with Morpheus Wealth Pty Ltd as the developers behind Impacter, will be exposed to your information (to the extent required to support the product) and will only publish this information as set out in this policy and our terms. We may also engage contractors to assist with the development and maintenance of Impacter.
Your information will be shared on Impacter platform at an aggregated average level and you will not be identified unless you achieve “Top 10 Performer” status, in which case your headline results will be shared next to your organisation name in a table.
The University of South Australia’s (UniSA) Centre for Workplace Excellence, as academic partner of Financy, will have access to Impacter data for analysis and research purposes in accordance with UniSA’s research ethics policies and the Australian Code for the Responsible Conduct of Research. Data will be de-identified and kept confidential. UniSA will be working with Financy to deliver DEI research-based recommendations back to the Impacter community. This information may also be published more broadly in academic research papers but it will not identify any Impacter clients without first seeking written permission.
Impacter subscribers will also have the ability to invite organisational members to the platform and they will be able to select the level of access, such as admin, editors or employees.
Where employees are invited to participate in the Inclusion survey, the information collected will remain confidential to them. Only aggregated data collected on employee respondents will be shared with the organisation admins and editors.
Subscribers will also have the ability to invite third party consultants to view their Dashboard results and be able to download report.
6.1 These Terms will be governed by and construed in accordance with the laws in NSW. You agree to submit to the non-exclusive jurisdiction of the courts having jurisdiction in that state and courts of appeal from them.
6.2 We reserve the right to update these Terms at any time. If you continue to use the Website or our Services, you agree to comply with the updated Terms.
If you require further information regarding Financy, contact us: