Terms of Service
Please read these terms carefully before using WriteOff.
1. About WriteOff
These Terms of Service ("Terms") govern your access to and use of the WriteOff platform, website, and services (collectively, the "Service") operated by WriteOff ("we", "us", or "our").
By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.
2. Important Disclaimers
2.1 Not Tax Advice
The information, reports, and analysis provided by WriteOff are for informational and record-keeping purposes only. Nothing in the Service constitutes tax advice, financial advice, legal advice, or accounting advice.
The Service has been prepared without taking into account your individual objectives, financial situation, or needs.
2.2 Not a Registered Tax Agent
WriteOff is not a registered tax agent under the Tax Agent Services Act 2009 (Cth). We are not authorised to provide "tax agent services" as defined by that Act, including preparing or lodging tax returns on your behalf, providing advice about tax obligations, or representing you in dealings with the ATO.
2.3 Professional Advice Required
Before lodging your tax return, claiming any deductions, or making any financial decisions based on information from the Service, you should seek independent advice from a registered tax agent, qualified accountant, licensed financial adviser, or other appropriately licensed professional.
2.4 Automated Analysis Limitations
Transaction categorisation is performed using automated systems and may contain errors. The accuracy of our analysis depends on the quality and completeness of the data you provide. We cannot guarantee that all deductions will be identified or that categorisations are correct in every instance.
3. Account Registration
3.1 Eligibility
To use the Service, you must:
- Be at least 18 years of age
- Be an Australian resident for tax purposes, or have Australian tax obligations
- Provide accurate and complete registration information
- Maintain the security of your account credentials
3.2 Account Security
You are responsible for maintaining the confidentiality of your account credentials, all activities that occur under your account, and notifying us immediately of any unauthorised access or security breach.
We will never ask for your password via email or phone.
3.3 One Account Per Person
Each individual may only create one account. Creating multiple accounts to abuse promotions, free trials, or other features is prohibited and may result in termination of all associated accounts.
4. Service Description
4.1 What We Provide
WriteOff provides tools to help you:
- Import bank transactions via CSV upload or secure bank connection
- Automatically categorise transactions that may be tax-deductible
- Calculate potential deductions based on ATO rates and guidelines
- Generate reports summarising your potential deductions
- Store and organise your financial records
4.2 Free Tier
Free accounts can upload bank transaction data via CSV, view total potential deductions, view deduction category breakdown, and preview transaction categorisation (limited).
4.3 Paid Tiers
Paid subscriptions unlock additional features including full transaction details, comprehensive PDF reports, bank auto-connection, year-round tracking, receipt storage, and more. Specific features vary by plan and are detailed on our pricing page.
4.4 Service Availability
We aim to provide continuous access to the Service but do not guarantee uninterrupted availability. We may perform maintenance, updates, or experience technical issues that temporarily affect access.
5. Pricing & Payment
5.1 Pricing
Current pricing is displayed on our website. All prices are in Australian Dollars (AUD) and include GST where applicable. We reserve the right to change pricing at any time, but changes will not affect existing paid subscriptions until renewal.
5.2 Payment Processing
Payments are processed securely through Stripe. We do not store your full credit card details on our servers. By making a payment, you agree to Stripe's terms of service.
5.3 Subscription Terms
- Annual plans: Purchased for the Australian financial year (1 July – 30 June) and provide access for that entire period.
- Renewals: We will notify you before any automatic renewal. You may cancel at any time before renewal.
- Promotional pricing: Introductory or promotional prices are valid for the specified period only. Standard pricing applies upon renewal.
5.4 Failed Payments
If a payment fails, we will attempt to notify you and may retry the payment. Continued payment failure may result in suspension or termination of paid features.
6. Refund Policy
6.1 Refund Eligibility
- Before report generation: Full refund available within 7 days of purchase if you have not generated or downloaded a tax report.
- After report generation: No refunds are available once a tax report has been generated or downloaded, as the service has been fully delivered.
6.2 Annual Plans
For annual/year-round plans: No refunds after 14 days from purchase OR after any report has been generated, whichever comes first.
6.3 Requesting a Refund
To request a refund, contact us at support@writeoff.net.au with your account email and reason for the request. Eligible refunds will be processed within 5-10 business days to the original payment method.
6.4 Exceptions
We may, at our sole discretion, provide refunds or credits outside of this policy in cases of significant service outages caused by us, duplicate charges or billing errors, or exceptional circumstances.
6.5 Chargebacks
If you dispute a charge with your bank or credit card company instead of contacting us first, we reserve the right to suspend your account and contest the chargeback. Please contact us first — we're reasonable people.
7. Your Responsibilities
7.1 Accurate Information
You are solely responsible for:
- The accuracy and completeness of all information you provide
- Verifying that transaction categorisations are correct
- Ensuring claimed deductions are legitimate and properly substantiated
- Retaining appropriate records (receipts, invoices, logbooks) as required by the ATO
7.2 ATO Compliance
All claimed deductions are subject to Australian Taxation Office (ATO) substantiation requirements. You must retain records for a minimum of 5 years from the date you lodge your tax return, be able to provide evidence to support any claims made, and ensure deductions have a genuine connection to your income-producing activities.
7.3 Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to gain unauthorised access to any part of the Service
- Interfere with or disrupt the Service or servers
- Create multiple accounts to abuse features or promotions
- Share your account credentials with others
- Scrape, copy, or reproduce the Service without permission
- Use the Service to generate fraudulent or inflated deduction claims
8. Limitation of Liability
8.1 No Warranty
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
8.2 Limitation of Liability
To the maximum extent permitted by Australian law, WriteOff shall not be liable for any indirect, incidental, special, consequential, or punitive damages, loss of profits, revenue, data, or business opportunities, errors in automated categorisation or calculations, penalties, fines, or interest imposed by the ATO, or decisions made based on information provided by the Service.
8.3 Maximum Liability
Our total liability to you for any claims arising from or related to the Service shall not exceed the amount you paid to us in the 12 months preceding the claim.
8.4 Australian Consumer Law
Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) that cannot be excluded, restricted, or modified by agreement.
9. Intellectual Property
9.1 Our Property
The Service, including all content, features, functionality, software, and design, is owned by WriteOff and is protected by Australian and international copyright, trademark, and other intellectual property laws.
9.2 Your Data
You retain ownership of all data you provide to the Service (your bank transactions, personal information, etc.). By using the Service, you grant us a limited license to use this data solely to provide the Service to you.
9.3 Feedback
If you provide us with feedback, suggestions, or ideas, you grant us the right to use them without restriction or compensation to you.
10. Termination
10.1 Termination by You
You may close your account at any time by contacting us at support@writeoff.net.au. Upon closure, your access to the Service will end, no refunds will be provided for unused portions of paid plans (unless required by law), and you may request deletion of your data (see Privacy Policy).
10.2 Termination by Us
We may suspend or terminate your account if you breach these Terms, we suspect fraudulent, abusive, or illegal activity, required by law, or we discontinue the Service (with reasonable notice).
10.3 Effect of Termination
Upon termination, your right to use the Service immediately ceases. Sections of these Terms that by their nature should survive termination will survive, including limitations of liability, disclaimers, and intellectual property provisions.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of Queensland, Australia. You agree to submit to the exclusive jurisdiction of the courts of Queensland and the Federal Court of Australia.
11.1 Dispute Resolution
Before initiating any legal proceedings, you agree to first contact us and attempt to resolve the dispute informally. Most issues can be resolved quickly through direct communication.
11.2 Changes to Terms
We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice on the Service. Your continued use of the Service after changes take effect constitutes acceptance of the new Terms.
12. Contact Us
If you have any questions about these Terms, please contact us:
- Email: support@writeoff.net.au
- Website: writeoff.net.au
We aim to respond to all enquiries within 2 business days.