1. Introduction

Welcome to Finhub Group. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Services

Finhub Group provides professional business services including but not limited to:

• Bookkeeping and accounting services
• ABN registration and GST compliance
• BAS lodgement and PAYG services
• Single Touch Payroll implementation
• Digital marketing services
• Virtual assistant services

The specific services provided to you will be outlined in your service agreement or engagement letter.

3. User Obligations

When using our services, you agree to:

• Provide accurate, complete, and timely information
• Maintain the confidentiality of your account credentials
• Comply with all applicable laws and regulations
• Not use our services for any unlawful or fraudulent purposes
• Respect intellectual property rights
• Pay all fees and charges as agreed

4. Payment Terms

Fees: Service fees are outlined in your service agreement or pricing plan. All fees are in Australian Dollars (AUD) unless otherwise specified.

Payment Methods: We accept credit cards, bank transfers, and other payment methods as specified during the checkout process.

Billing Cycle: Depending on your chosen plan, you will be billed monthly or annually. Recurring charges will be processed automatically on your billing date.

Late Payments: Late payments may result in service suspension and additional fees. We reserve the right to charge interest on overdue amounts.

5. Cancellation and Refunds

Cancellation: You may cancel your service at any time by providing written notice. Cancellations will take effect at the end of your current billing period.

Refund Policy: We offer a 30-day satisfaction guarantee for new clients. If you are not satisfied with our services within the first 30 days, you may request a refund. Refunds for services already rendered may be prorated.

No Refunds: Fees for completed services, add-ons, and third-party services are generally non-refundable unless otherwise specified.

6. Intellectual Property

All content, materials, and intellectual property on our website and in our services are owned by Finhub Group or our licensors. You may not copy, reproduce, distribute, or create derivative works without our express written permission.

Any materials, reports, or deliverables created specifically for you as part of our services will be your property upon full payment of all fees.

7. Confidentiality

We understand the sensitive nature of your business information. We will maintain the confidentiality of all information you provide to us and will not disclose it to third parties except:

• With your express consent
• As required by law or regulatory authorities
• To our service providers who assist in delivering our services (under confidentiality agreements)
• To protect our legal rights or comply with legal processes

8. Limitation of Liability

To the maximum extent permitted by law, Finhub Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Our total liability for any claims arising from our services shall not exceed the total fees paid by you for the services in the 12 months preceding the claim.

We do not guarantee specific results from our services and are not responsible for decisions you make based on our advice or recommendations.

9. Indemnification

You agree to indemnify and hold harmless Finhub Group, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of another party.

10. Termination

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

• Violation of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Behavior that harms our business or reputation

Upon termination, you remain responsible for all outstanding fees and charges.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of Victoria, Australia. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

13. Dispute Resolution

In the event of any dispute arising from these Terms or our services, we encourage you to contact us first to seek an amicable resolution. If we cannot resolve the dispute informally, you agree to participate in mediation before pursuing litigation.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with any service agreements or engagement letters, constitute the entire agreement between you and Finhub Group regarding your use of our services and supersede all prior agreements and understandings.

16. Contact Information

If you have any questions about these Terms of Service, please contact us: