Terms & Conditions

Last updated: 1 July 2026

Please read these Terms carefully. They contain important provisions that limit our liability, disclaim warranties, allocate risk to you, and grant us broad rights to use data. By using the Service you agree to all of them.

1. Agreement to these Terms

These Terms & Conditions ("Terms") govern your access to and use of KittyCash ("KittyCash", "the Service", "we", "us", or "our"), operated by PURPLE NEXUS PTY LTD (ABN 43693813160).

By accessing, registering for, or using the Service in any way — including browsing, creating an account, adding family members, or using demo mode — you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, you must not access or use the Service.

You represent and warrant that you are at least 18 years old, have full legal capacity to enter into these Terms, and — if you use the Service on behalf of a family — that you are a parent or legal guardian with authority to accept these Terms for yourself and for any children you add, and that you will supervise their use of the Service. If you accept these Terms on behalf of a company or other entity, you warrant that you have authority to bind it.

2. Definitions

• "Content" means any data, text, names, memos, settings, figures, or other material you or your family members enter into or generate through the Service.
• "De-identified Data" means information that has been aggregated, anonymised, or stripped of identifiers so that it no longer reasonably identifies any individual.
• "Cloud Services" means third-party hosting, authentication, database, analytics, messaging, and infrastructure services used to operate the Service.
• "Consumer Law" means the Australian Consumer Law in Schedule 2 of the Competition and Consumer Act 2010 (Cth) and equivalent State and Territory legislation.

3. What KittyCash is (and is not)

KittyCash is a family education and record-keeping tool. It helps parents and guardians teach children about earning, saving, spending, goals, and responsibility using simulated balances, chores, allowances, interest-style calculations, and workflows inspired by everyday banking.

KittyCash is not, and does not provide:

• a bank, credit union, authorised deposit-taking institution, or other regulated financial institution;
• a payment service, e-money product, stored-value facility, digital wallet, or money-transmission service;
• financial product advice, investment advice, credit assistance, tax advice, or legal advice;
• a recommendation to acquire, hold, or dispose of any financial product;
• a substitute for a real bank account, formal contract, tax record, or legally binding agreement between parent and child;
• any guarantee that real-world pocket money, chores, or family agreements will be honoured by any party.

All amounts, interest rates, allowances, penalties, balances, statements, and other figures displayed in the Service are for learning, organisation, and family communication only. They do not represent money held, owed, or guaranteed by PURPLE NEXUS PTY LTD on your or your child's behalf.

4. No professional advice and no special relationship

The Service is provided for general educational purposes only and does not take into account your objectives, financial situation, or needs. Nothing in the Service constitutes financial, investment, tax, accounting, or legal advice. You should obtain independent professional advice before making any financial decision. No fiduciary, advisory, agency, partnership, or trust relationship is created between you and us by your use of the Service.

5. No warranty on figures, calculations, or records

You acknowledge and agree that all figures shown in the Service — including balances, interest accruals, allowances, chore payments, penalties, goals, statements, end-of-day snapshots, and totals — may be incorrect, incomplete, delayed, rounded differently than you expect, duplicated, or lost due to technical failure.

You must not rely on the Service as the sole or authoritative record of real-world pocket money, family agreements, tax obligations, or financial decisions. You are solely responsible for verifying any amount before making real payments or taking any action based on in-app information. We accept no responsibility and, to the maximum extent permitted by law, no liability for any figure shown, omitted, miscalculated, duplicated, or deleted, or for any decision made in reliance on it.

6. Service availability — best efforts only, no guarantee

The Service is provided on a best-efforts basis. We will use reasonable efforts to keep it available, but we do not guarantee uninterrupted, timely, secure, or error-free operation, any level of uptime, any response or recovery time, or that data will be preserved.

The Service may be unavailable, slow, limited, or changed at any time, with or without notice, including for maintenance, upgrades, security incidents, capacity limits, third-party failures, or discontinuation. We may modify, suspend, withdraw, or discontinue any feature, account, or the entire Service at our sole discretion, with or without notice, and without liability to you.

You are responsible for maintaining your own backups of anything important to you. We are not obliged to retain, export, or recover your data after account closure, service discontinuation, or any technical incident.

7. Demo mode and live mode

Demo mode runs entirely in your browser using local storage and sample data, for evaluation and learning only. Demo data may be reset, corrupted, or lost when you clear browser storage, change devices, or when we update the app, and has no connection to real accounts or cloud-hosted records.

Live mode uses Cloud Services for authentication, hosting, databases, analytics (where enabled), and related operations. Availability, performance, backups, data integrity, and security in live mode depend partly on those Cloud Services and on factors outside our control. We do not guarantee any particular uptime, recovery time, or data-retention standard. Data entered in demo mode does not automatically transfer to live mode.

8. Accounts, eligibility, security, and acceptable use

You agree to:

• provide accurate registration information and keep it up to date where practicable;
• maintain the confidentiality of passwords, passcodes, and family codes, and remain responsible for all activity under your account and any kid accounts you create;
• supervise your children's use of the Service and ensure it is appropriate for their age and maturity;
• use the Service only for lawful, personal, non-commercial family purposes unless we agree otherwise in writing;
• not misuse, scrape, data-mine, reverse-engineer, decompile, interfere with, overload, probe, or attempt unauthorised access to the Service, Cloud Services, or related systems;
• not introduce malware, circumvent security or access controls, or use the Service to build a competing product;
• not upload unlawful, harmful, defamatory, infringing, or objectionable content;
• comply with our Privacy Policy and all applicable laws.

We may, but are not obliged to, monitor use of the Service and may remove content or restrict access that we reasonably consider breaches these Terms or poses a risk. Notify us promptly if you believe any credentials have been compromised.

9. Your Content and our data rights

As between you and us, you retain ownership of your Content. You grant PURPLE NEXUS PTY LTD a worldwide, royalty-free, sublicensable, and transferable licence to host, store, copy, process, transmit, adapt, analyse, and display your Content for the purpose of operating, securing, maintaining, and improving the Service.

You also acknowledge and agree that we may create De-identified Data from your Content and usage of the Service, and that we may use, copy, modify, analyse, combine, commercialise, and disclose such De-identified Data, and retain it, for any lawful purpose and indefinitely, including to operate, develop, train, and improve our products, models, algorithms, analytics, research, and business, without any obligation to you and without further notice or compensation. We will not attempt to re-identify De-identified Data except as permitted by law.

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use them for any purpose without obligation or compensation to you.

Our handling of personal information is governed by our Privacy Policy and applicable privacy law.

10. Fees

We may offer free and paid features from time to time. If fees apply, we will describe them before you incur them. Except to the extent required by non-excludable law, fees already paid are non-refundable, and we are not liable for any loss arising from your decision to pay for, or stop paying for, the Service.

11. Intellectual property

The Service — including software, source code, design, text, graphics, logos, the Neno mascot, and branding — is owned by or licensed to PURPLE NEXUS PTY LTD and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for personal family use in accordance with these Terms. All rights not expressly granted are reserved. You must not copy, modify, distribute, sell, or create derivative works from the Service except as permitted by law or with our prior written consent.

12. Third-party and Cloud Services

Live mode relies on Cloud Services and may link to third-party sites or resources. Your use of Cloud Services may be subject to those providers' terms and policies in addition to ours. We do not control third parties and are not responsible or liable for their acts, omissions, outages, data handling, security incidents, pricing changes, or discontinuation. References to "cloud" mean such third-party infrastructure generally, not any specific vendor unless we state otherwise.

13. Assumption of risk and release

You use the Service at your own risk and assume full responsibility for your use and for any real-world arrangements you make with your family. To the maximum extent permitted by law, you release and discharge PURPLE NEXUS PTY LTD and its directors, officers, employees, contractors, and affiliates from all claims, demands, and liabilities arising from or connected with disputes between family members, real-world pocket money, reliance on in-app figures, or your use of the Service.

14. Disclaimer of warranties

To the fullest extent permitted by applicable law, the Service is provided "as is" and "as available" without warranties or representations of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, security, or quiet enjoyment. We do not warrant that the Service will meet your requirements, that calculations will be accurate, that data will be preserved, that defects will be corrected, or that the Service or Cloud Services will be uninterrupted or free of viruses or harmful components.

Australian Consumer Law. Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy you have under the Consumer Law or other law that cannot lawfully be excluded ("Non-excludable Rights"). To the extent permitted, and where the Consumer Law allows us to limit our liability for a failure to comply with a consumer guarantee in respect of services, our liability is limited at our option to resupplying the services or paying the cost of having the services resupplied. Where the Consumer Law does not permit such limitation, our liability is limited only to the minimum extent the law requires.

15. Limitation of liability

To the maximum extent permitted by law, and subject to your Non-excludable Rights, PURPLE NEXUS PTY LTD and its directors, officers, employees, contractors, and affiliates will not be liable to you or any third party for any loss or damage whatsoever arising out of or in connection with the Service, including:

• direct, indirect, incidental, special, exemplary, punitive, or consequential loss;
• loss of profits, revenue, savings, data, goodwill, or business or family opportunity;
• loss or corruption of family records, balances, or transaction history;
• family disputes, emotional distress, or relationship harm related to pocket money or chores;
• reliance on in-app amounts, interest calculations, or statements;
• unavailability, interruption, delay, or discontinuation of the Service or Cloud Services;
• unauthorised access to, or loss of, data caused by factors outside our reasonable control;
• any real-world payments you make or fail to make.

Where our liability cannot be wholly excluded but can be limited, our total aggregate liability for all claims arising from or relating to the Service — whether in contract, tort (including negligence), statute, or otherwise — is limited, at our option, to resupplying the Service or, where the Service was provided free of charge, to AUD $100 in the aggregate. We are not liable for any loss to the extent it is caused or contributed to by you or by an event beyond our reasonable control.

Time limit on claims. To the extent permitted by law, any claim you have arising from or relating to the Service must be commenced within twelve (12) months after the event giving rise to the claim, or it is permanently barred.

16. Indemnity

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless PURPLE NEXUS PTY LTD and its personnel from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees on a full-indemnity basis) arising from or connected with your use of the Service, your Content, your breach of these Terms, your violation of any law or third-party right, or any real-world financial arrangement you make with your family, except to the extent finally determined to be directly caused by our wilful misconduct where such limitation is required by law.

17. Termination and suspension

We may suspend or terminate your access to the Service immediately, with or without notice and without liability, if we reasonably believe you have breached these Terms, pose a security or legal risk, or if we discontinue the Service. You may stop using the Service at any time.

On termination, your right to use the Service ends and we may delete your data subject to our Privacy Policy and any legal retention obligations. Sections that by their nature should survive — including Sections 5, 9, and 13 to 22 — continue in effect.

18. Force majeure

We are not liable for any failure or delay in performing our obligations caused by events beyond our reasonable control, including acts of God, natural disasters, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, strikes, failures of power or telecommunications, internet or Cloud Service outages, cyber-attacks, or government action.

19. Changes to the Service and these Terms

We may update the Service and these Terms from time to time. Changes take effect when we update the "Last updated" date above and post the revised Terms. Your continued use after changes take effect constitutes acceptance. If you do not agree, you must stop using the Service.

20. Governing law and disputes

These Terms are governed by the laws of Victoria, Australia. You and we submit to the exclusive jurisdiction of the courts of Victoria and the courts competent to hear appeals from them.

Before commencing proceedings (other than for urgent injunctive relief), you agree to contact us in good faith to attempt to resolve the dispute informally. To the extent permitted by law, you agree that any dispute will be resolved on an individual basis and not as part of any class or representative proceeding.

21. General

• Entire agreement: these Terms and the Privacy Policy are the entire agreement between you and us regarding the Service and supersede prior discussions.
• Severability: if any provision is held invalid or unenforceable, it is read down or severed to the minimum extent necessary and the remainder continues in full force.
• No waiver: a failure or delay in enforcing a provision is not a waiver of it or of any other provision.
• Assignment: you may not assign or transfer your rights without our written consent; we may assign or novate ours, including in connection with a restructure, merger, or sale of assets.
• No third-party rights: no person other than you and us has any right to enforce these Terms.
• Notices: we may give notices through the Service or by email to your registered address; you may contact us as set out below.
• Not legal advice: these Terms are a template-style document and not legal advice. Obtain advice from a qualified Australian legal practitioner about your situation.

22. Contact

Questions about these Terms: Contact us or email hello@kittycash.com.au.

See also our Legal notice for a plain-language summary and our Privacy Policy.