Last Updated: November 3, 2026
These Terms of Use govern your access to and use of our card protection services. By creating an account or using our services, you agree to be bound by these terms.
Important: Please read these terms carefully before using our services. By subscribing to any of our protection plans, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy.
By accessing or using our website and services, you agree to comply with and be bound by these Terms of Use, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our services.
These terms constitute a legally binding agreement between you and our company. We reserve the right to modify these terms at any time, with notice provided to active subscribers at least 30 days before changes take effect.
Our services include:
Our services are supplementary security measures and do not replace:
We provide monitoring and alerting services but cannot prevent all fraudulent transactions. You remain responsible for reporting fraud to your financial institution and taking appropriate action.
To use our services, you must:
We reserve the right to refuse service to anyone for any reason at any time, particularly if we suspect fraudulent activity or terms violations.
When creating an account, you agree to:
You are responsible for all activities that occur under your account. We are not liable for losses resulting from unauthorized use of your credentials if you failed to maintain adequate security.
You must have legal authorization to monitor any cards you register with our service. Monitoring cards without the cardholder's permission may be illegal and will result in immediate account termination.
We offer multiple subscription tiers with different features and pricing. All prices are listed in Australian Dollars (AUD) and are subject to change with 30 days' notice to existing subscribers.
Subscriptions are billed monthly on a recurring basis. By subscribing, you authorize us to charge your payment method on file each billing cycle until you cancel.
You may cancel your subscription at any time through your account dashboard or by contacting customer support. Cancellations take effect at the end of the current billing period. No refunds are provided for partial months.
If we offer a free trial, you will be charged automatically at the end of the trial period unless you cancel before the trial expires. Trial eligibility is limited to one per customer.
We reserve the right to change subscription prices. Existing subscribers will be notified at least 30 days before any price increase and may cancel before the increase takes effect.
While we employ advanced fraud detection technology, we cannot guarantee prevention of all fraudulent transactions. Our service provides monitoring and alerts but cannot physically block transactions before they occur.
We strive to provide continuous service but do not guarantee uninterrupted access. Service may be temporarily unavailable due to:
While we aim to provide real-time alerts, delays may occur due to technical limitations, network issues, or carrier delays. We are not liable for losses resulting from delayed alerts.
Our fraud detection algorithms may occasionally:
You remain responsible for monitoring your accounts and reporting fraud to your financial institution.
You agree to:
All content, features, and functionality of our website and services, including but not limited to text, graphics, logos, software, and algorithms, are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use our services for personal purposes only. You may not:
To the maximum extent permitted by law:
We are not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of our services.
Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you paid us in the 12 months preceding the claim.
We are not responsible for reimbursing any losses you suffer from fraud or unauthorized transactions. Identity theft insurance (where included in your plan) is subject to separate policy terms and conditions.
You agree to indemnify, defend, and hold harmless our company, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:
You may terminate your account at any time by canceling your subscription. Your access will continue until the end of the current billing period.
We may suspend or terminate your account immediately without notice if:
Upon termination:
These Terms of Use are governed by the laws of Victoria, Australia, without regard to conflict of law principles.
Before initiating litigation, parties agree to attempt good-faith negotiation to resolve disputes. If negotiation fails, disputes will be resolved through binding arbitration in Melbourne, Victoria, under the rules of the Australian Centre for International Commercial Arbitration.
You agree to resolve disputes individually and waive any right to participate in class actions or representative proceedings.
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and us regarding our services.
If any provision of these terms is found invalid or unenforceable, the remaining provisions will remain in full effect.
Our failure to enforce any right or provision of these terms does not constitute a waiver of that right or provision.
You may not assign or transfer these terms without our written consent. We may assign these terms without restriction.
We may provide notices to you via email at the address associated with your account. You are responsible for keeping your email address current.
For questions about these Terms of Use or to report violations, contact us at:
Email: [email protected]
Address: Level 12, 234 Collins Street, Melbourne VIC 3000, Australia