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Terms of Service

Effective date: 2 November 2026

These Terms of Service (the Terms) govern your access to and use of the Ezyiah platform, website, applications, integrations and related services. By accessing or using the Services, you agree to be bound by these Terms and the policies incorporated into them.

1.1 Definitions

  • Ezyiah, we, us and our means Ezyiah Pty Ltd (ACN 683 839 723; ABN 47 683 839 723).
  • Services means the Ezyiah platform, website, applications, integrations (including live bank feeds), AI features (including AI Memory and AI Insights), reporting tools, the depreciation and fixed asset module, business-management features (including quotes, invoices, bills, credit notes, purchase orders, customers, suppliers or vendors, products and services, inventory, team-member access and seats), the Business Dashboard and its financial and operational metrics, and related services.
  • You and User means the person or entity that accesses or uses the Services and, where applicable, the accounting firm, practice or business on whose behalf the Services are used, including a Business Owner and an Invited Adviser.
  • Customer Data means data and information you submit, upload, import, connect, create or generate through the Services, including Client Data, Bank Feed Data, AI Memory data, asset and depreciation data, Business Records, customer and supplier information, inventory data, team-member information and data used to generate dashboard metrics and insights.
  • Client Data means personal or financial information relating to your clients that you upload to or process through the Services.
  • Output means any AI-generated or system-generated result, suggestion, categorisation, calculation, reconciliation, report, preparation, dashboard metric, AI Insight, Tax Position estimate, profitability analysis, Revenue Pipeline figure, Business Health Score or other output produced by the Services.
  • Bank Feed Data means transaction and account data accessed through the live bank feed integration.
  • Business Records means records created, uploaded, imported or generated through the business-management features, including quotes, invoices, bills, credit notes, purchase orders, customer and supplier records, products and services, inventory records and related transaction data.
  • Business Dashboard means dashboard features that may include AI Insights, Performance Metrics, Cash Trends, Revenue Pipeline, Banks, Tax Position, Profitability Charts and the Ezyiah Business Health Score.
  • Team Member means a person invited by an authorised account administrator to access an account, workspace or business under an assigned role or permission level.
  • Business Owner means a person who uses the Services for or on behalf of their own business, including a sole trader, company, partnership or trust, whether or not the business also engages an accountant or other adviser, and includes the business itself.
  • Invited Adviser means an accountant, bookkeeper, BAS agent, tax agent or accounting firm that a Business Owner invites to access the Business Owner's account or workspace, or that invites a business client into the Services and is given access to that client's account or workspace.
  • Your Customers means the persons and entities to whom you issue, or propose to issue, Quotes or Invoices through the Services, and Your Suppliers means the persons and entities from whom you receive bills or acquire goods or services and whose details you record in the Services, including in supplier records. These terms are different from Customer Data and do not refer to Ezyiah's own customers.
  • Quote means a quote, estimate or proposal for goods or services that you create, issue or send to Your Customers through the Services, and Invoice means an invoice, tax invoice or similar request for payment that you create, issue or send to Your Customers through the Services. Neither term includes the invoices Ezyiah issues to you for your subscription, which are governed by the Billing and Refund Policy.
  • AI Insights means AI-generated observations, summaries, trends, alerts or commentary derived from Customer Data and presented in the Business Dashboard or elsewhere in the Services.
  • Performance Metrics means figures, charts, scores and indicators about the financial or operational performance or position of a business presented in the Services, including Cash Trends, Revenue Pipeline figures, bank balances, Tax Position estimates, Profitability Charts and the Ezyiah Business Health Score.
  • ACL means the Australian Consumer Law in Schedule 2 to the Competition and Consumer Act 2010 (Cth).

1.2 Agreement to these Terms

By accessing or using the Services, you agree to these Terms. If you do not agree, you must not use the Services. If you use the Services on behalf of a business or professional practice, you confirm you are authorised to bind that entity, and references to you include that entity.

1.2A Order of precedence and risk allocation

These Terms incorporate the policies identified within them. If there is any inconsistency, these Terms prevail unless a policy expressly states that it overrides a particular provision. The Privacy Policy governs the handling of personal information to the extent required by applicable privacy law, and any mandatory legal requirement prevails over these Terms.

Ezyiah provides technology, automation, preparation, reporting and business-management tools. Except to the extent required by law, Ezyiah does not assume responsibility for professional judgments, tax positions, commercial decisions, lodgements, Business Records or other decisions made by users using the Services. You remain responsible for verifying Customer Data, reviewing Output, maintaining appropriate records and controls, obtaining professional advice where required, and ensuring that your use of the Services complies with applicable law. Nothing in these Terms excludes, restricts or modifies any right, remedy or liability that cannot lawfully be excluded, restricted or modified.

1.3 About Ezyiah

Ezyiah is an Australian AI-assisted accounting, reconciliation, reporting and business-management platform that helps accountants, tax and BAS agents, bookkeepers and businesses with transaction reconciliation, report preparation and day-to-day business administration. Business Owners may use the Services directly to keep their own books, whether or not they also engage an accountant. The Services include live bank feeds provided through Fiskil, AI features including AI Memory and AI Insights, a depreciation and fixed asset module, quotes, invoices, bills, credit notes, purchase orders, customers, suppliers or vendors, products and services, inventory, team-member access, and a Business Dashboard with financial and operational summaries. Ezyiah is not lodgement software. It does not provide tax, legal or financial advice, does not act as a registered tax agent, BAS agent, accountant or legal practitioner, and does not lodge, submit, transmit or file any return, activity statement, report or form with the Australian Taxation Office (ATO) or any other government body. Lodgement, and all dealings with the ATO and other authorities, remain your responsibility.

Ezyiah releases features progressively, so some features described in these Terms or in the policies may become available after these Terms take effect, and not every feature is available on every plan or to every type of account. Each provision of these Terms and the policies that relates to a feature applies to that feature from the time it is made available to you. The features available to you at any time are those shown in the Services and on your plan.

1.4 Eligibility

You must be at least 18 years old and legally able to enter into a binding contract. The Services are intended for professional and business use and are not intended for personal, domestic or household use. If you use the Services as a Business Owner, the Services must be used for the purposes of a business or enterprise, and you must provide accurate details about the business, including its legal name, entity type and, where it has them, its ABN and GST registration status. You must keep those details current, as they may affect how Quotes, Invoices, reports and Tax Position estimates are prepared.

1.4A Authority to act for a business

If you open or use an account for a business, you confirm that you are authorised to act for and bind that business, for example as a sole trader acting for yourself, a director or authorised officer of a company, a partner with authority to act for a partnership, or a trustee (or a director of a corporate trustee) acting for a trust. If you are not so authorised, you must not accept these Terms on the business's behalf. We may ask for reasonable evidence of authority and may restrict access to a business's account while authority is unclear or disputed.

1.5 Nature of the Services

This section is fundamental to the basis on which the Services are provided. See also the AI Use and Disclosure Policy and the Disclaimer Policy.

  1. The Services provide assistance and preparation tools only.
  2. All Output is indicative and informational and is not advice. This includes AI Insights, Tax Position estimates, Profitability Charts, Revenue Pipeline figures, Cash Trends and the Ezyiah Business Health Score.
  3. Human review by a competent person is mandatory before any Output is relied on, acted on, submitted, lodged or used for client or business decisions.
  4. Business-management features assist with record creation and administration but do not replace your obligation to verify the accuracy, tax treatment, commercial terms, inventory quantities, payment status, customer or supplier information, or legal effect of any Business Record.
  5. Final responsibility for accuracy, business decisions, compliance and lodgement rests with you.

1.6 Your account and security

You are responsible for keeping your account credentials secure, for enabling multi-factor authentication where available, for managing Team Member invitations, roles, permissions and removal, and for all activity under your account caused by a failure to keep credentials or access permissions secure. You must ensure Team Members are authorised to access the data made available to them and must promptly remove access when it is no longer required. You must notify us promptly of any suspected unauthorised access. Subject to the ACL, we are not liable for loss arising from your failure to secure your account, except to the extent the loss is caused by our breach of these Terms or of the law.

1.7 Your obligations

You must provide accurate, lawful and current information; review all Output before use; verify Business Records and dashboard information before acting on them; ensure that the ABN, GST registration status and tax settings recorded for each business are correct; maintain appropriate access controls for Team Members; comply with Australian tax laws and applicable professional standards; and use the Services only for lawful purposes. You must not rely solely on Output without review; treat a Tax Position estimate, AI Insight or Business Health Score as a tax assessment, credit assessment or professional advice; upload unlawful, misleading or unauthorised data; create or send false or misleading Business Records, including a document that charges GST or is described as a tax invoice when the issuing business is not registered for GST; provide unlicensed professional services through the Services; or use the Services in breach of the Acceptable Use Policy.

1.8 Authority for Client Data, Business Data, Team Members and bank feeds

Where you upload Client Data, create or import Business Records, add customer or supplier information (including by bulk upload), upload receipts or bills, invite Team Members or Invited Advisers, or connect a bank feed, you confirm that you have the authority and all necessary notices, permissions and consents to collect, upload, invite, share and process the relevant data through the Services. This includes authority from clients, customers, suppliers, Team Members and relevant account holders where applicable, and any consent required under the Consumer Data Right and applicable banking data-sharing arrangements. You are responsible for managing applicable instructions, access rights, notices and consents.

1.9 Data uploads and ownership

You retain all ownership of your Customer Data, including Client Data, Bank Feed Data, AI Memory data, asset and depreciation data, Business Records, customer and supplier data, inventory data and team-member information. You grant us a limited, non-exclusive licence to host, process and use Customer Data only as needed to provide, secure, maintain and improve the Services to you, and as otherwise permitted in the Privacy Policy. We do not claim ownership of your financial or client data. Customer Data relating to a business belongs to that business, including where it was entered by an Invited Adviser or a Team Member, or where an Invited Adviser set up the business's account or workspace.

1.10 Live bank feeds

Live bank feeds are provided through Fiskil, a third-party banking-data infrastructure provider. Ezyiah does not itself hold itself out as an accredited data recipient under the Consumer Data Right unless expressly stated. Where Bank Feed Data is accessed or shared under the Consumer Data Right, the applicable accredited participant, representative, outsourced-service-provider or other CDR role will be determined by the relevant arrangement used to provide the feed. Access to bank data requires valid consent and may also be subject to the terms, authorisations and privacy requirements of Fiskil, financial institutions and other relevant CDR participants. Availability of bank feeds depends on third parties, including Fiskil and the relevant financial institutions, and we do not guarantee uninterrupted, complete, timely, duplicate-free or error-free feeds. You remain responsible for reviewing imported transactions, account coverage, date ranges and balances before relying on them.

1.11 AI Memory

AI Memory is an optional feature that stores adjustments you approve, such as categorisation and reconciliation decisions, to improve the accuracy of future Output for your account. AI Memory may operate at client, business or firm-wide level, as configured by you. Firm-wide AI Memory may learn patterns from the files of a firm's business clients to assist that firm across its clients, as described in section 4.5 of the AI Use and Disclosure Policy. AI Memory data is stored in Ezyiah's database and is held within your account. Except for the firm-wide learning described in section 4.5 of the AI Use and Disclosure Policy, it is not shared with or made available to other customers. Output influenced by AI Memory remains assistive only and requires human review. You can configure, disable or request deletion of AI Memory data as described in the Record Retention and Deletion Policy.

1.11A Business-management features and Business Records

Ezyiah may allow you to create, issue, receive, store, manage or track quotes, invoices, bills, credit notes, purchase orders, customers, suppliers or vendors, products and services, and inventory information. These features are administrative and accounting-assistance tools only. You are responsible for verifying all quantities, prices, tax codes, GST treatment, payment terms, stock movements, contact details, document numbering, approvals and other information before a Business Record is issued, accepted, paid, relied on or entered into another system. Ezyiah does not guarantee that a quote will be accepted, an invoice or bill will be paid, a purchase order will be fulfilled, inventory records will match physical stock, or a Business Record will satisfy every legal, tax, contractual or industry-specific requirement applicable to you.

You are responsible for the GST treatment and form of each Quote and Invoice you issue through the Services, including whether it meets the requirements for a tax invoice under the A New Tax System (Goods and Services Tax) Act 1999 (Cth) and related law. If the business issuing a document is not registered for GST, it must not charge or show an amount of GST on the document or describe the document as a tax invoice, and you must make sure the relevant settings in the Services reflect this. Templates, default tax codes and suggested wording in the Services are a starting point only.

Ezyiah is not a party to any quote, contract, sale, supply or other transaction between you and Your Customers or Your Suppliers, and is not responsible for their performance, for the goods or services supplied, or for any dispute between you and them. Unless a feature expressly states that it collects or processes payments, Ezyiah does not collect, hold, chase or remit payments on your behalf, and an Invoice shown as paid, unpaid or overdue in the Services reflects the information available to the Services, which you must verify. Where a feature does involve a payment provider, that provider's terms also apply.

Inventory information, including quantities, purchase costs, sales costs, valuation methods, stock adjustments, write-downs and timing, may materially affect cost of sales, gross profit, profitability, tax calculations and dashboard indicators. Ezyiah does not perform or verify physical stocktakes and does not independently verify the existence, ownership, condition, recoverability or valuation of inventory.

Where the Services allow Business Records, reminders, notices or other communications to be sent electronically, you are responsible for verifying recipient details, content and attachments before sending. A record shown as sent, delivered, opened, viewed or similar within the Services does not guarantee receipt, acceptance, legal service or enforceability unless expressly stated by applicable law. Delivery may depend on third-party email, communications or network infrastructure outside Ezyiah's reasonable control.

Personal information about Your Customers, Your Suppliers and their contacts that you add to the Services, including by bulk upload, is personal information of third parties. You warrant that you collected it lawfully and fairly, that you have given any notices and obtained any consents required by the Privacy Act 1988 (Cth) and the APPs (to the extent they apply to you) or by other law, and that you are entitled to have it processed by Ezyiah on your behalf as described in the Data Processing Addendum. Quotes, Invoices and related messages you send through the Services are sent on your behalf from an Ezyiah email address. They are your communications, not Ezyiah's. You are responsible for their content, for choosing and checking recipients, for making sure each message clearly identifies your business as the sender, and for complying with the Spam Act 2003 (Cth) and other applicable law, including if you include any marketing or promotional content.

1.11B Team Members and seats

Account administrators may invite Team Members and assign roles or permissions. You are responsible for deciding who may access your account, workspace, clients, business information and Business Records, for ensuring each Team Member is authorised, for reviewing available permission settings, and for promptly changing or removing access when appropriate. Activity performed by authorised Team Members is treated as activity performed through your account. Seats may be included in or charged under a subscription plan as displayed when you subscribe, add or change seats.

1.11C Business Dashboard, AI Insights and financial indicators

The Business Dashboard may present AI Insights, Cash Trends, Revenue Pipeline, bank information, Tax Position estimates, Profitability Charts and an Ezyiah Business Health Score. Dashboard information is generated from data available in the Services and may be incomplete, delayed, affected by categorisation choices, accounting basis, timing, missing transactions, unreconciled items, manual entries, inventory information or other assumptions.

Tax Position figures, including any year-to-date income tax payable or quarter-to-date BAS payable amount, are indicative estimates only. They are not assessments issued by the ATO, statements of account, lodged BAS amounts, tax returns or tax advice and may differ materially from final liabilities. Unless expressly supported by the relevant feature, a Tax Position estimate may not take into account all deductions, tax losses, offsets, franking credits, private-use adjustments, depreciation elections, timing adjustments, PAYG instalments, GST adjustments, Division 7A consequences, trust distributions, capital gains or losses, payroll obligations, carry-forward balances, amended assessments or other matters relevant to a final tax liability.

The Ezyiah Business Health Score and AI Insights are business-management aids only. They are not a credit score, credit rating, solvency or going-concern opinion, business valuation, lending decision, financial product advice, audit opinion or guarantee of current or future performance. You must apply your own judgment and obtain professional advice where appropriate before making tax, financial, lending, investment, staffing, inventory or other business decisions.

AI Insights and Performance Metrics are general information generated from the data available in the Services. They do not take into account your objectives, financial situation or needs and are not financial, tax or legal advice. Business Owners remain responsible for their own GST, BAS, invoicing, income tax and other tax and record-keeping obligations, and should confirm any figure with their accountant or another qualified adviser before relying on it.

1.11D Invited Advisers and access to business accounts

A Business Owner may invite an Invited Adviser to access the Business Owner's account or workspace, and an Invited Adviser may invite a business client into the Services. The following applies:

  1. The business owns its account, workspace and Customer Data, including where an Invited Adviser set up the workspace or invited the business into the Services. Where an Invited Adviser sets up a workspace for a business, it does so on the business's behalf.
  2. The Business Owner, or the account administrator for the business, decides who may access the business's account or workspace and at what permission level, and may change or revoke an Invited Adviser's access at any time in the Services.
  3. An Invited Adviser may access and act on the business's data only within the access granted and the terms of the Invited Adviser's own engagement with the business. Ezyiah is not a party to that engagement and is not responsible for the services, advice or fees of an Invited Adviser.
  4. Activity performed by an Invited Adviser within the access granted is treated as authorised activity in the business's account. Each Invited Adviser remains responsible for its own professional obligations.
  5. When access is revoked or the engagement ends, the Invited Adviser can no longer access the business's account or workspace through the Services, and the business's Customer Data remains in the business's account. Copies of records that an Invited Adviser has exported or retained for its own professional record-keeping obligations are the Invited Adviser's responsibility.
  6. Where a business's access to the Services is provided under, or paid for through, another user's subscription (for example, an accounting firm's subscription), that access may be restricted or end if that subscription ends or the access is withdrawn, unless the Business Owner takes up their own subscription. The business's Customer Data continues to belong to the business, and the Record Retention and Deletion Policy applies to the export of available data.
  7. If there is a dispute about who controls a business's account or workspace, we will treat the business as the owner and may act on the reasonable instructions of the person we reasonably believe has authority to act for the business. We may restrict access until the dispute is resolved.

1.12 Intellectual property

All platform content, branding, software and intellectual property in the Services remain the property of Ezyiah or its licensors. You may not copy, reproduce, modify, reverse engineer or reuse platform materials except as permitted by law or with our written consent. If you provide feedback or suggestions, you grant us a perpetual, royalty-free licence to use them without obligation to you.

1.13 Fees and billing

Fees, where applicable, are set out at the time of purchase and are governed by the Billing and Refund Policy. Subscription fees may include or vary by plan, usage, credits, seats or other entitlements as displayed to you when you subscribe or make a change. Ezyiah's invoices to you for subscription fees are separate from the Invoices you issue to Your Customers through the Services.

1.14 Changes to the Services

We may improve, modify or add to the Services from time to time, including for security, legal or operational reasons. We will not materially reduce the core functionality of a paid subscription during a paid term without giving you reasonable prior notice. If we make a change that materially and adversely affects your use of a paid subscription, you may terminate the affected subscription and we will refund any prepaid fees for the unused part of your then-current term.

1.15 Availability

We aim to provide reliable access but do not guarantee that the Services will be uninterrupted, timely, secure or error-free. The Services may be unavailable during maintenance or because of factors outside our reasonable control, including third-party outages affecting bank feeds.

1.16 Changes to these Terms

We may update these Terms from time to time. For changes that are administrative or favourable to you, we may update the Terms and post the current version. For changes that materially and adversely affect you, we will give you reasonable prior notice, being at least 30 days where practicable, before they take effect. If you do not accept a material change, you may stop using the Services and cancel before the change takes effect, and the change will not apply to you before then. Continued use after a change takes effect constitutes acceptance of the updated Terms.

1.17 Suspension and termination

You may cancel your account at any time as set out in the Billing and Refund Policy. We may suspend or limit your access where reasonably necessary: if you materially breach these Terms; for non-payment; if your use poses a security, legal or operational risk to us, the Services or others; or if required by law. Where a breach is capable of remedy and the circumstances reasonably allow, we will give you notice and a reasonable opportunity to remedy it before suspending or terminating. We may suspend immediately where necessary to address a serious security, legal or integrity risk, and will tell you as soon as practicable. On termination, your right to use the Services ends. Sections intended to survive, including ownership, confidentiality, liability, indemnity and governing law, continue. Data handling on termination is governed by the Record Retention and Deletion Policy.

1.18 Confidentiality

Each party must keep the other's confidential information confidential and use it only for the purposes of these Terms, except where disclosure is required by law or made to professional advisers under confidentiality. This does not limit our handling of personal information under the Privacy Policy.

1.19 Consumer guarantees (Australian Consumer Law)

Our Services come with guarantees that cannot be excluded under the ACL. Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the ACL or any other law that cannot lawfully be excluded. Where we are permitted to limit our liability for a failure to comply with a consumer guarantee in respect of services that are not of a kind ordinarily acquired for personal, domestic or household use, our liability is limited, at our option, to supplying the services again or paying the cost of having them supplied again.

1.20 Limitation of liability

Subject to section 1.19 and to the extent permitted by law, and only to the extent that the following limitations are not unfair, prohibited or unenforceable under applicable law:

  1. we are not liable for any indirect, incidental, special or consequential loss, or for loss of profit, revenue, goodwill, data or anticipated savings; and
  2. our total aggregate liability arising out of or in connection with the Services and these Terms is limited to the total fees paid by you to us for the Services in the 12 months immediately before the event giving rise to the liability.

To the maximum extent permitted by law, and subject to section 1.19, we are not responsible or liable for any loss, damage, penalty or claim to the extent it arises from or relates to:

  1. the acts, omissions, misconduct, negligence, errors, outages, security incidents or failures of any third party, including financial institutions, Fiskil, accounting or tax software providers, payment providers, hosting and AI infrastructure providers, and our sub-processors;
  2. the conduct, misuse, negligence, errors, fraud or unlawful acts of any user, customer, client or their personnel, including how Output is reviewed, relied on, lodged or used;
  3. your breach of these Terms, your reliance on Output without adequate review, your reliance on dashboard indicators or Tax Position estimates as final or authoritative, your failure to secure your account or manage Team Member access, inaccurate or incomplete data you provide, or errors in Business Records or inventory records you create, approve, issue, import or rely on; or
  4. any return, statement, report or lodgement that you or your advisers prepare, approve or submit to the Australian Taxation Office or any other authority, any audit, review or other action taken by such an authority, or any commercial decision made using Business Records, AI Insights, Profitability Charts, Revenue Pipeline figures, Cash Trends, Tax Position estimates or the Business Health Score.

You are responsible for the acts and omissions of anyone who accesses the Services through your account.

1.21 Indemnity

You indemnify us against loss, liability and reasonable costs we suffer arising from: your breach of these Terms; your misuse of the Services; your reliance on Output without adequate review; your provision of professional services to your clients; or a claim by a third party (including your clients, Your Customers and Your Suppliers) relating to your Customer Data or your use of the Services. This indemnity does not apply to the extent the loss is caused by our breach, negligence or unlawful conduct. We will notify you of any relevant claim, allow you to participate in its defence, and not settle a claim that imposes obligations on you without your consent, which is not to be unreasonably withheld.

1.22 Third-party services

The Services may rely on or integrate with third-party services, including Fiskil, financial institutions, hosting, AI infrastructure, email delivery and analytics providers, and any payment provider used by a feature. Subject to the ACL and to sections 1.20 and 1.21, we are not responsible or liable for any third-party service, its availability, security or performance, or for the acts, omissions, misconduct or unlawful conduct of any third party. Your use of third-party services may be subject to their terms.

1.23 Privacy

We handle personal information in accordance with the Privacy Policy, which forms part of these Terms.

1.24 Force majeure

We are not liable for any failure or delay caused by events beyond our reasonable control, including third-party or financial-institution outages, internet failures, cyber attacks, natural events, or changes in law.

1.25 Notices

We may give notices through the Services, by email to your registered address, or by posting on our website. You may give us formal notices by email to support@ezyiah.com.au.

1.26 General

  1. Assignment: you may not assign these Terms without our consent; we may assign or novate to a successor of our business on notice to you.
  2. Severance: if any provision is unenforceable, it is severed and the rest continues in force.
  3. No waiver: a failure to enforce a right is not a waiver of that right.
  4. Entire agreement: these Terms and the incorporated policies are the entire agreement between us about the Services and supersede prior representations, except for any liability for misleading conduct under the ACL.
  5. Survival: sections that by their nature should survive termination do so.

1.27 Governing law and disputes

These Terms are governed by the laws of Victoria, Australia, and the parties submit to the non-exclusive jurisdiction of the courts of Victoria. Before starting proceedings, other than for urgent relief, the parties will try in good faith to resolve any dispute by discussion. Nothing in this section limits your rights under the ACL or your ability to make a complaint to a regulator.