Terms and Conditions

1. Acceptance of Terms

Welcome to ClearLedger ("we," "us," "our," or "ClearLedger"). By accessing or using our website at clearledger.com.au (the "Site"), including all content, tools, calculators, guides, and services provided through the Site (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (the "Terms").

If you do not agree with these Terms in their entirety, you must not access or use our Services. Your continued use of the Services constitutes your acceptance of these Terms and any subsequent modifications.

Who May Use Our Services

Our Services are available to:

• Individual users: Persons aged 18 years or older who are Australian residents or have legal capacity to enter into binding contracts under Australian law
• Business entities: Registered businesses, companies, partnerships, sole traders, and trusts operating in Australia
• Professional users: Accountants, bookkeepers, financial advisors, and other professionals seeking educational resources

If you are accessing our Services on behalf of an organization or business entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Description of Services

ClearLedger is Australia's practical financial knowledge platform designed to help small business owners understand and manage their business finances. Our Services include, but are not limited to:

Educational Content

• Articles, guides, and tutorials on business structures, registration, bookkeeping, taxation, and financial management
• Video tutorials and step-by-step walkthroughs for accounting software (including Xero, MYOB, and QuickBooks)
• Checklists, templates, and downloadable resources for business financial management
• Industry insights, regulatory updates, and compliance information

Interactive Tools and Calculators

• Business structure selection tools and decision-making frameworks
• Financial calculators including profit margin, break-even, pricing, and cash flow forecasting tools
• Tax calculators, BAS estimators, and deductibility checkers
• Salary vs dividend calculators and other tax planning tools

Community Features

• Newsletter subscriptions with weekly financial tips and deadline reminders
• YouTube channel with educational content and tutorials
• Social media engagement on LinkedIn and Instagram
• Q&A sessions and community support

Service Availability and Modifications

We reserve the right to:

• Modify, suspend, or discontinue any aspect of our Services at any time without prior notice
• Update, add, or remove features, content, or functionality as we deem necessary
• Impose limits on certain features or restrict access to parts of the Services
• Change pricing for any paid Services with reasonable notice to affected users

We will make reasonable efforts to notify users of significant changes to the Services, but we are not obligated to do so.

3. User Accounts and Registration

Some features of our Services may require you to create an account. When you register for an account, you agree to:

Account Creation and Security

• Accurate Information: Provide accurate, current, and complete information during the registration process and update such information to keep it accurate, current, and complete
• Confidentiality: Maintain the security and confidentiality of your account credentials, including your username and password
• Unauthorized Access: Notify us immediately of any unauthorized access to or use of your account
• Account Responsibility: Accept responsibility for all activities that occur under your account, whether or not you authorized such activities
• Single Account: Create only one account per person or business entity unless expressly authorized by ClearLedger

Account Termination

You may terminate your account at any time by contacting us at [email protected]. We reserve the right to suspend or terminate your account if:

• You violate these Terms or any applicable laws
• Your account is inactive for an extended period (typically 24 months)
• We receive a legal request or order to do so
• Your actions create legal liability or security risks for us or other users

4. Acceptable Use Policy

When using our Services, you agree to comply with all applicable laws and regulations. You must not use our Services in any way that:

Prohibited Activities

• Illegal Activities: Violates any local, state, national, or international law or regulation
• Intellectual Property Infringement: Infringes upon or violates the intellectual property rights of others, including copyright, trademark, patent, trade secret, or other proprietary rights
• Harmful Content: Posts, transmits, or makes available any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable
• Impersonation: Impersonates any person or entity, including ClearLedger employees, or falsely states or misrepresents your affiliation with a person or entity
• False Information: Provides false or misleading information to ClearLedger or other users
• Spam and Unsolicited Communications: Sends unsolicited or unauthorized advertising, promotional materials, spam, or any other form of solicitation
• Malicious Code: Uploads, posts, or transmits any material that contains software viruses, malware, or any other computer code designed to interrupt, destroy, or limit the functionality of any computer software or hardware
• System Interference: Interferes with or disrupts the Services or servers or networks connected to the Services, or disobeys any requirements, procedures, policies, or regulations of networks connected to the Services
• Unauthorized Access: Attempts to gain unauthorized access to any portion of the Services, other accounts, computer systems, or networks connected to the Services through hacking, password mining, or any other means
• Data Mining: Uses any robot, spider, scraper, or other automated means to access the Services for any purpose without our express written permission
• Commercial Exploitation: Exploits the Services for any commercial purpose not expressly permitted by these Terms

5. Intellectual Property Rights

Our Intellectual Property

All content, features, and functionality available through our Services, including but not limited to:

• Text, graphics, logos, icons, images, audio clips, video clips, and downloads
• Software, code, data compilations, and algorithms
• The compilation, organization, and display of content
• Calculators, tools, templates, and interactive features
• Trademarks, service marks, and trade names (including "ClearLedger" and our logo)

are owned by or licensed to ClearLedger and are protected by Australian and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Access and use the Services for your personal or internal business purposes
• Download and print content solely for your personal, non-commercial use
• Use our calculators and tools to generate results for your own use

Restrictions

You may not, without our express written permission:

• Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as permitted for personal use
• Remove or modify any copyright, trademark, or other proprietary notices from copies of materials from the Services
• Use the Services or any content for any commercial purpose or for the benefit of any third party
• Reverse engineer, decompile, or disassemble any software or algorithms used in the Services
• Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information of ClearLedger

Copyright Infringement

If you believe that any content on our Services infringes your copyright, please contact us at [email protected] with the following information:

• A description of the copyrighted work you claim has been infringed
• The location on our Services of the allegedly infringing material
• Your contact information (address, telephone number, and email address)
• A statement that you have a good faith belief that the use is not authorized by the copyright owner
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf
• Your electronic or physical signature

6. User-Generated Content

Our Services may allow you to submit, post, or share content, including comments, questions, reviews, feedback, suggestions, and other materials (collectively, "User Content").

Your Responsibilities

When you submit User Content, you represent and warrant that:

• You own or have the necessary rights, licenses, consents, and permissions to use and authorize us to use the User Content
• Your User Content does not violate these Terms, including our Acceptable Use Policy
• Your User Content does not infringe or violate any third party's intellectual property, privacy, publicity, or other rights
• Your User Content is not false, misleading, or deceptive
• Your User Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content

License to User Content

By submitting User Content to our Services, you grant ClearLedger a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media format and through any media channels, now known or later developed.

This license includes the right for ClearLedger to:

• Display your User Content on our Services and in promotional materials
• Use your User Content to improve our Services and develop new features
• Share your User Content with third-party service providers who assist us in operating our Services
• Include your User Content in aggregated, anonymized data for analytics and research purposes

Moderation and Removal

We reserve the right, but are not obligated, to:

• Monitor, review, and moderate User Content
• Remove, edit, or refuse to display any User Content that violates these Terms or that we deem inappropriate, offensive, or harmful
• Terminate or suspend the accounts of users who repeatedly violate our content policies

No Obligation to Use

We are not obligated to use, display, or respond to any User Content. The inclusion of User Content on our Services does not constitute an endorsement by ClearLedger.

7. Disclaimers and Limitations

No Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE
• WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT, INFORMATION, OR MATERIALS PROVIDED THROUGH THE SERVICES
• WARRANTIES THAT DEFECTS WILL BE CORRECTED OR THAT THE SERVICES WILL MEET YOUR REQUIREMENTS

Content Accuracy

While we strive to provide accurate, current, and useful information, we make no representations or warranties about:

• The accuracy, reliability, completeness, or timeliness of any content, calculators, tools, or information on the Services
• The suitability or applicability of any content, advice, or recommendations to your specific circumstances
• The results you may obtain from using our calculators, tools, or following any guidance provided through the Services

Information and content on our Services may contain technical inaccuracies or typographical errors, and we reserve the right to correct such errors at any time without notice.

Third-Party Content

Our Services may reference or link to third-party websites, products, services, or information. We do not endorse, warrant, or assume responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties.

Regulatory Changes

Tax laws, accounting standards, and business regulations change frequently. While we make reasonable efforts to keep our content current, we cannot guarantee that all information reflects the most recent legal developments or regulatory changes. You are responsible for ensuring that any information you rely upon is current and applicable to your circumstances.

8. Professional Advice Disclaimer

No Professional Relationship

Your use of our Services does not create a professional relationship between you and ClearLedger. Specifically:

• Not Accounting Advice: Our content and tools do not constitute accounting, bookkeeping, or financial advice. We are not your accountants or bookkeepers unless you have separately engaged us for professional services under a written services agreement.
• Not Tax Advice: Information about taxation is general in nature and should not be relied upon as specific tax advice for your circumstances. Tax laws are complex and change regularly. You should consult with a qualified tax professional or registered tax agent before making any tax-related decisions.
• Not Legal Advice: Our content regarding business structures, contracts, compliance, and other legal matters is educational only and does not constitute legal advice. You should consult with a qualified lawyer for advice on legal matters.
• Not Financial Planning Advice: Information about financial management, cash flow, and business planning does not constitute financial planning or investment advice. You should consult with a licensed financial advisor for personalized financial advice.

Seek Professional Guidance

We strongly recommend that you:

• Consult with qualified professionals (such as accountants, tax agents, lawyers, or financial advisors) before making significant business, financial, tax, or legal decisions
• Verify any information from our Services with your own professional advisors
• Consider your unique circumstances, goals, and risk tolerance when making decisions
• Stay informed about current laws, regulations, and professional standards that apply to your situation

Calculator and Tool Limitations

Our calculators and tools are designed to provide estimates and general guidance only. They:

• May not account for all variables relevant to your specific situation
• Are based on assumptions that may not apply to your circumstances
• Should not be used as the sole basis for making financial, tax, or business decisions
• May not reflect the most current tax rates, thresholds, or regulatory requirements

Australian Tax Office (ATO) Compliance

While we reference ATO guidelines and provide information about Australian tax obligations, you are ultimately responsible for ensuring your own compliance with all applicable ATO requirements. The ATO's website (www.ato.gov.au) and a qualified registered tax agent are the most authoritative sources for tax guidance.

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Data Collection

We collect various types of information in connection with your use of our Services, including:

• Account Information: Name, email address, business name, and other information you provide when creating an account
• Usage Data: Information about how you interact with our Services, including pages visited, features used, and time spent on the Site
• Technical Data: IP address, browser type, device information, operating system, and referring URLs
• Communications: Content of messages you send us through contact forms, email, or other communication channels
• Calculator Inputs: Data you enter into our calculators and tools (Note: We do not store sensitive financial data entered into calculators unless you explicitly save it to your account)
• Cookies and Tracking: Information collected through cookies, web beacons, and similar technologies

Data Use

We use your information to:

• Provide, maintain, and improve our Services
• Personalize your experience and provide tailored content recommendations
• Communicate with you about our Services, including newsletters, updates, and promotional materials (with your consent)
• Respond to your inquiries and provide customer support
• Analyze usage patterns and trends to enhance user experience
• Detect, prevent, and address technical issues, fraud, and security concerns
• Comply with legal obligations and enforce our Terms

Data Security

We implement reasonable technical and organizational measures designed to protect your personal information against unauthorized access, loss, alteration, or disclosure. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

Under Australian privacy laws (including the Privacy Act 1988), you have certain rights regarding your personal information, including:

• The right to access your personal information we hold
• The right to request correction of inaccurate or incomplete information
• The right to request deletion of your personal information (subject to legal retention requirements)
• The right to object to or restrict certain processing of your information
• The right to withdraw consent for marketing communications

To exercise any of these rights, please contact us at [email protected].

10. Third-Party Links and Services

Our Services may contain links to third-party websites, services, products, or resources that are not owned or controlled by ClearLedger.

No Endorsement

The inclusion of any link does not imply our endorsement, approval, or recommendation of the linked website, its content, products, services, or the organizations that own or operate it. We provide these links for your convenience only.

Third-Party Responsibility

We have no control over, and assume no responsibility for:

• The content, accuracy, or availability of third-party websites or resources
• The privacy policies, practices, or terms of service of any third-party sites
• Any transactions you enter into with third-party providers
• Any damages or losses caused by your use of or reliance on third-party websites or services

Your Responsibility

When you access third-party websites or services through links on our Services:

• Review the terms of service and privacy policies of those sites before using them
• Exercise caution and use your own judgment regarding the trustworthiness and safety of such sites
• Understand that your interactions with third parties are solely between you and the third party
• Be aware that third-party sites may collect information about you or use cookies and tracking technologies

Third-Party Software and Integrations

Our Services may reference or provide guidance on using third-party accounting software (such as Xero, MYOB, or QuickBooks). We are not affiliated with, endorsed by, or sponsored by these third-party providers unless expressly stated. Our tutorials and guides regarding these products are for educational purposes only.

11. Payment and Subscriptions

Certain features of our Services may require payment. By purchasing a paid subscription or service, you agree to the following terms:

Pricing and Fees

• Pricing: All prices are displayed in Australian Dollars (AUD) and include applicable taxes (such as GST) where required by law
• Price Changes: We reserve the right to change our pricing at any time. Price changes will not affect existing subscriptions during their current billing period but will apply to renewals
• Fee Notification: We will provide at least 30 days' notice before any price increase for existing subscriptions

Payment Authorization

By providing payment information, you:

• Authorize us to charge the applicable fees to your chosen payment method
• Represent that you are authorized to use the payment method provided
• Agree to pay all applicable fees and taxes associated with your purchase
• Authorize us to charge your payment method for recurring subscription fees until you cancel

Billing Cycles and Renewal

• Subscription Billing: Subscriptions are billed in advance on a recurring basis (monthly, quarterly, or annually, depending on your plan)
• Automatic Renewal: Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date
• Renewal Reminders: We will send you a reminder email before your subscription renews
• Payment Failure: If your payment method fails, we may suspend your access to paid features until payment is successfully processed

Cancellation and Refunds

• Cancellation: You may cancel your subscription at any time through your account settings or by contacting us at [email protected]
• Cancellation Effect: Upon cancellation, you will retain access to paid features until the end of your current billing period, after which your subscription will not renew
• Refunds: Refunds are provided at our discretion and in accordance with Australian Consumer Law. Generally, we do not provide refunds for partial billing periods, but we may make exceptions for extenuating circumstances
• Money-Back Guarantee: If offered for specific plans, the terms will be clearly stated at the time of purchase

Free Trials

If you sign up for a free trial:

• You may be required to provide payment information to start the trial
• You will be charged the subscription fee at the end of the trial period unless you cancel before the trial ends
• Free trials are limited to one per person or business entity
• We reserve the right to determine eligibility for free trials and to modify or terminate trial offers at any time

12. Termination and Suspension

Termination by You

You may terminate your use of the Services at any time by:

• Closing your account through your account settings
• Ceasing to access or use the Services
• Contacting us at [email protected] to request account closure

Termination by ClearLedger

We reserve the right to suspend or terminate your access to the Services, with or without notice, for any reason, including but not limited to:

• Violation of these Terms or our Acceptable Use Policy
• Fraudulent, abusive, or illegal activity
• Extended account inactivity (typically 24 months without login)
• Failure to pay applicable fees or charges
• At our sole discretion if we believe termination is necessary to protect ClearLedger, our users, or third parties

Effect of Termination

Upon termination of your account or access:

• Your right to access and use the Services will immediately cease
• We may delete or deactivate your account and all associated data
• You will lose access to any content, data, or information stored in your account
• Paid subscriptions will not be refunded unless required by Australian Consumer Law
• Sections of these Terms that by their nature should survive termination will continue to apply (including intellectual property provisions, disclaimers, limitations of liability, and indemnification)

Data Retention After Termination

After termination, we may retain certain information:

• As required by law or for legitimate business purposes (such as fraud prevention, compliance, or analytics)
• In backup systems for a limited period before permanent deletion
• In anonymized or aggregated form that does not identify you personally

If you wish to request deletion of your personal data after account termination, please contact us at [email protected].

13. Limitation of Liability

Exclusion of Consequential Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CLEARLEDGER, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption or loss of use
• Cost of substitute services or goods
• Damage to reputation or goodwill
• Any other pecuniary loss

arising out of or in connection with your use of or inability to use the Services, whether based on warranty, contract, tort (including negligence), product liability, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Cap on Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF:

• The amount you paid to ClearLedger in the twelve (12) months preceding the event giving rise to the liability, or
• One hundred Australian dollars (AUD $100)

Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any guarantee, warranty, term, condition, right, or remedy that cannot be lawfully excluded or limited under the Australian Consumer Law or any other applicable law, including the consumer guarantees under the Competition and Consumer Act 2010 (Cth).

To the extent permitted by law, our liability for breach of any non-excludable guarantee, warranty, or condition is limited, at our option, to:

• In the case of goods: the replacement of the goods, the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or acquiring equivalent goods, or the payment of the cost of having the goods repaired
• In the case of services: the supplying of the services again or the payment of the cost of having the services supplied again

Basis of the Bargain

You acknowledge and agree that the disclaimers, exclusions, and limitations of liability set forth in these Terms form an essential basis of the agreement between you and ClearLedger, and that ClearLedger would not provide the Services without these limitations.

14. Indemnification

You agree to indemnify, defend, and hold harmless ClearLedger, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, partners, licensors, and service providers (collectively, the "ClearLedger Parties") from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your use of or inability to use the Services
• Your violation of these Terms or any applicable law or regulation
• Your violation of any rights of another person or entity, including intellectual property rights, privacy rights, or publicity rights
• Any User Content you submit, post, or transmit through the Services
• Your breach of any representations, warranties, or obligations under these Terms
• Any disputes or issues between you and any third party, including other users of the Services
• Your negligence, willful misconduct, or fraud

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim. You will not settle any claim that affects ClearLedger without our prior written consent.

This indemnification obligation will survive the termination of these Terms and your use of the Services.

15. Governing Law and Jurisdiction

Governing Law

These Terms and your use of the Services are governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

Jurisdiction and Venue

You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of New South Wales, Australia, for any legal proceedings arising out of or relating to these Terms or your use of the Services. You waive any objection to the venue of any such proceeding in the courts of New South Wales and any claim that such courts are an inconvenient forum.

Dispute Resolution

Before commencing any legal proceedings, you agree to attempt to resolve any dispute, controversy, or claim arising out of or relating to these Terms through good faith negotiations. If the dispute cannot be resolved through negotiation within 30 days, either party may pursue legal remedies.

No Class Actions

To the fullest extent permitted by applicable law, you and ClearLedger agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against ClearLedger.

Time Limitation on Claims

You agree that any claim or cause of action arising out of or related to these Terms or your use of the Services must be filed within one (1) year after such claim or cause of action arose, or be forever barred, except as provided under the Australian Consumer Law or other applicable law.

16. Changes to Terms

Right to Modify

We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. Changes may be necessary due to:

• Changes in applicable laws or regulations
• Introduction of new features or services
• Changes to our business practices or policies
• Enhancement of user protection or security measures
• Clarification or correction of existing terms

Notification of Changes

When we make material changes to these Terms, we will:

• Update the "Last Updated" date at the top of this page
• Notify you via email if you have an account and have provided us with your email address
• Display a prominent notice on our website
• For significant changes, we may also post an announcement on our social media channels

We will provide at least 30 days' notice for material changes that adversely affect your rights under these Terms, unless the change is required by law or is necessary to address security, legal, or operational issues.

Acceptance of Changes

By continuing to access or use the Services after the effective date of any revised Terms, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Services.

Review Regularly

We encourage you to review these Terms periodically to stay informed about our terms and conditions. Your continued use of the Services constitutes your acceptance of any changes.

17. Miscellaneous Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Services, constitute the entire agreement between you and ClearLedger regarding your use of the Services and supersede all prior or contemporaneous understandings and agreements, whether written or oral, regarding such subject matter.

Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions, which will remain in full force and effect.

No Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. A waiver of any provision of these Terms will be effective only if made in writing and signed by an authorized representative of ClearLedger.

Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder without our prior written consent. We may assign, transfer, or delegate these Terms and our rights and obligations without restriction, including to any affiliates or subsidiaries, or to any successor in interest of any business associated with the Services.

Force Majeure

We will not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, epidemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

Relationship

Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchisee relationship between you and ClearLedger. You have no authority to bind ClearLedger in any way.

English Language

These Terms are written in English. If these Terms are translated into any other language, the English version will control and prevail in the event of any conflict or inconsistency.

Headings

The headings and section titles in these Terms are for convenience only and have no legal or contractual effect.

Interpretation

In these Terms, unless the context otherwise requires:

• Words in the singular include the plural and vice versa
• References to "includes" or "including" mean "includes without limitation" or "including without limitation"
• References to a person include an individual, company, corporation, partnership, trust, or unincorporated association
• References to dollars or "$" are to Australian dollars (AUD)