Updated: December 1st, 2020
1.1 We provide you with the following services (together, the Services):
(a) access to your personal credit score and other credit information about you from a Credit Reporting Body (Personal Credit Information);
(b) access to information and offers from providers of goods and services, including credit providers (together Providers);
(c) access to your Bank accounts in one place, when you use Insights– see section 3.3 below;
(d) insights and information about your credit rating; and
(e) information and updates about other products and services.
1.2 If you access your Personal Credit Information, you will also receive updates and alerts about your Personal Credit Information, including when it changes (Credit Information Alerts)
1.4 You warrant that you will at all times comply with all relevant laws and regulations in your access and use of the Services, and provide true and accurate information, and you will cooperate in any investigation relevant to your use of the Flux Website or our Services.
1.5 You must keep your username and password (Login) confidential. You must not disclose to or allow another person to use your Login. Please change your password and contact us immediately if you become aware of any unauthorised use of your Login or any other breach of security. We may treat any access or use of the Flux Website at any time by the use of your Login as access or use of the Flux Website by you.
2.1 Your access to the Services continues until (a) you cancel your Flux account (by emailing us at email@example.com in which case we will terminate your account as soon as practicable); or the Services are suspended or terminated by us in accordance with clause 9.
2.2 To be eligible to use our Services you must be:
2.3 You must register for the Services in your personal capacity, and not through an agent or on behalf of any other person. On request you must provide confirmation of your identity, current address or any information you provide to us. We may report any unauthorised use of our Services as fraud, and may report any other suspicious activity using the Flux Website to enforcement agencies or credit providers.
3.1 You can also use Flux Services, to access information relating to all of your chosen Bank accounts in one place. This Service is made possible through the specialised services provided to us by Basiq
3.2 If you use Flux Insights, you authorise us and Basiq:
3.3 In order to make the Flux Insights Service efficient, Flux and/or Basiq may extract: (a) all information available from your Bank(s) using your Bank credentials (even if you only request to see part of that information at any particular time, for example, by selecting specific chosen accounts); and (b) that information on each day that you log into your Basiq account.
3.4 If you use Flux Insights you:
4.1 You must not:
5.1 We own all rights to the Flux Website and Services (including all logos and trademarks) and all the content available through the Services, whatever its nature (Site Content). You may not use or reuse in any form or by any means, any Site Content without our express prior written consent. Nothing on the Flux Website should be interpreted as granting (by implication or otherwise) any license or right to use any of the Site Content or trademarks displayed on the Flux Website, including by linking or framing. We prohibit the use of any of our trademarks as part of a link to or from any other website unless establishment of such a link is approved in writing by us in advance. All rights not expressly granted to you are expressly reserved by us.
7.1 You may cancel your Flux account at any time, in accordance with clause 2.1. You can cancel or suspend your use of Flux Insights at any time by navigating to the Accounts page and following the instructions to remove all of your chosen accounts.
7.3 On termination of any Services (in whole or in part) the following provisions apply in respect of the Services that are terminated:
8.1 Disclaimer & Liability – While we endeavour to provide the Services (including all information forming part of the Services) accurately and in accordance with the Service’s stated description, you acknowledge the following (to the extent permitted by law and subject to clause 12.2):
8.2 Without in any way limiting clause 8.1, the following disclaimers also apply (to the extent permitted by law):
9.3 Each party’s liability under an indemnity is reduced to the extent that liability was caused or contributed by the other, and an indemnified party must:
9.4 You acknowledge and agree that this clause 9 is fair and reasonable in the context of the Services being provided to you at no charge.
10.1 Each party must (unless expressly agreed otherwise):
10.2 The confidentiality obligations in clause 14.1 do not apply to information that:
11.1 You agree that any notices or other communications may be provided to you electronically (either by posting messages on the Flux Website, or via the email you have provided as part of the registration process). You may send notifications to us via firstname.lastname@example.org
17.2 Delay – No delay or failure by either party to exercise a right under these terms prevents the exercise of that right or any other right on that or any other occasion.
17.3 Severability – If any part of these terms is illegal or unenforceable, it will be severed from these terms and the remaining terms will continue in full force and effect.
17.6 Interpretation – A word importing the singular includes the plural and vice versa, and references to “including” and “for example” shall be construed with the words “without limitation”.
17.7 Currency – reference to “$” or “dollars” means AUD.
17.8 References to our Related Bodies Corporate and service providers are intended to confer a benefit on those companies, and be enforceable by those companies.
Bank means your relevant bank or financial institution, the details of which you provide to us if you use Flux Insights
Confidential Information means all information that could be reasonably regarded in the circumstances as confidential and not part of the public domain, including a party’s business affairs
Consumer Law means consumer law as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth).
Credit Information means, as applicable, Personal Credit Information and/or Business Credit Information (as each is defined in clause 1.1).
Credit Reporting Body means Equifax Australia Information Services and Solutions Pty Ltd (ABN 26 000 602 862). Flux is not a Credit Reporting Body.
Flux, we or us means Flux Technologies (ABN 86 634 507 172) and Flux Insights (ACN 636 287 922), which is a 100% owned subsidiary of Flux Corp (ABN 636 255 000)
Flux Website or Website means the website available at the URL https://www.flux.finance
Basiq means Basiq Pty Ltd (ABN 95 616 592 011)
Win the Week means the Services available on the Win the Week tab on the Flux Website and app, which enable you to access information relating to all of your chosen Bank accounts in one place and participate in the weekly savings game.
Flux Information means Personal Information that Flux and/or Basiq extracts from your Bank(s) at any time using your Bank credentials;
Personal Information means personal information (as defined in the Privacy Laws) that you provide to Flux or authorise Flux to collect at any time.
Privacy Laws has the meaning in clause 8.1.
Provider has the meaning in clause 1.1.
Related Body Corporate has the meaning given to that term in section 9 of the Corporations Act 2001.
Services has the meaning in clause 1.1.
Territory means Australia.
Third Party Claim means any claim, suit, action or demand by a third party, and will include any directly related liability, cost, damage or expense (including a fine or penalty imposed by a regulator).
Third Party Site has the meaning in clause 11.2(f).
You means the end user that is accessing or using the Website or Services.