Last Updated: June 27, 2026
Money Maze Fintech provides personal budgeting, vehicle logging, and finance tracking software for informational and educational purposes only.
Money Maze Fintech is not a registered financial advisor, credit provider, or tax professional. All tools, graphs, calculations, projections, and simulated outputs (including rental subsidies, WorkCover benefits, TPD payout recursive amortization projections, and hardship timeline adjustments) are estimations based on user input for educational modeling purposes. They do not constitute financial advice, credit assistance, investment recommendations, or tax/legal counsel.
NCC Hardship Warning: Utilizing the hardship pause or reduced repayment modeling features inside Money Maze® does NOT formally submit a statutory hardship application or notice to your credit provider or service provider under Section 72 of the National Credit Code (NCC). You must contact your bank, lender, or service provider directly to request or negotiate payment relief.
No Real-World Transactions: Money Maze® is a virtual modeling tool and does not link directly to your bank accounts, credit cards, or financial institutions. The app does not automate, execute, or initiate real-world transfers, payments, or withdrawals. You remain solely responsible for executing actual payments and banking transactions.
You assume full responsibility for your financial decisions. We strongly advise consulting with a qualified, licensed financial advisor or accountant before making significant financial plans, investment decisions, or commitments.
By accessing or using Money Maze®, registering an account, or exploring the live demo, you agree to be bound by these Terms of Service. If you do not agree, you must immediately cease using the service.
Money Maze® provides a visual scheduling platform to help users map out pay cycles, align bills, track fuel logs, and simulate financial adjustments. We reserve the right to modify, suspend, or terminate the service (or any part thereof) at any time without notice.
If you register an account, you are responsible for maintaining the confidentiality of your credentials. You agree to provide accurate email addresses and take full responsibility for all activities that occur under your account. To protect your security, any request to permanently delete your account and associated data requires verification via password re-entry or OAuth re-authentication. Account deletions are immediate and fully purge all user records from the live database.
Age Requirements: You must be at least 16 years of age to register an account or subscribe to paid services on Money Maze®. If you are under 18, you represent that you have obtained the consent of a parent or legal guardian to use the service.
Certain features of Money Maze® require a paid subscription (e.g., Pro or Family plans). Subscriptions are billed in advance on a recurring monthly or annual cycle and will automatically renew unless cancelled. You may cancel your subscription at any time through the in-app settings or the Stripe Billing Portal. Upon cancellation, you will retain access to premium features until the end of your current billing period. Except as required by the Australian Consumer Law, all subscription fees are non-refundable.
The Live Guest Demo is running purely in local temporary storage. Cleaning browser cache, database resets, or logging in will clear demo data. Money Maze Fintech is not responsible for any local data loss.
Australian Consumer Law Safeguards: Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded, restricted, or modified by agreement.
Subject to the non-excludable rights above, and to the maximum extent permitted by law, Money Maze Fintech, its developers, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to loss of profits, savings, or financial shortfall resulting from the use or inability to use this service.
We reserve the right to update these Terms at any time. Your continued use of the service after changes are made constitutes your acceptance of the new Terms.
All calculators, wizards, templates, and eligibility checklists provided by Money Maze Fintech—including but not limited to projections for Commonwealth Rent Assistance (CRA), state-based rent relief initiatives (e.g., NSW Rent Choice, Victoria Rent Relief Grant, Queensland Rental Security Subsidy, WA Rent Relief Program, SA Housing Relief, Tasmanian Rent Assistance, ACT Rental Grant, and NT Housing Support), WorkCover statutory benefit rates, and private income protection waiting periods—are mathematical simulations provided for general educational and modeling purposes only.
Money Maze Fintech does not provide financial advice, tax advice, legal counsel, or "credit assistance" as defined under the National Consumer Credit Protection Act 2009 (Cth) or the Corporations Act 2001 (Cth). We are not a credit representative, financial adviser, debt negotiator, or mortgage broker. The calculations do not guarantee future budget outcomes, debt amortization paths, or acceptance into any assistance program.
Money Maze Fintech is completely independent and has no official affiliation, endorsement, or partnership with Services Australia (Centrelink), state housing authorities, state workers' compensation boards (such as icare NSW, WorkSafe VIC, WorkCover QLD, WorkSafe TAS, WorkSafe ACT, NT WorkSafe, ReturnToWorkSA, or WorkCover WA), or any banking institution, credit provider, or utility company.
The "Hardship Action Plan" checklist within the app is a self-guided logging tool. Ticking any checkbox (such as "Approved by Provider") is entirely user-reported and does not automatically notify, apply for, or negotiate hardship with your creditor or service provider. Under Section 72 of the National Credit Code, you must contact your credit provider directly to apply for a formal variation on the grounds of hardship. Money Maze Fintech is not liable for any credit defaults, late fees, disconnections, or legal actions resulting from a user's failure to secure formal arrangements with their providers.
The Receipt OCR scanning feature in the Garage Tab parses uploaded images using automated text recognition. Transcriptions are provided "as-is" and may contain accuracy or formatting errors. You must manually verify all parsed prices, odometer readings, and service details before saving logs.
The FIFO Flight Planner provides scheduling and travel logging tools. Money Maze Fintech is not a travel or booking agent. Links to airlines, travel aggregators, or carriers are external. We are not liable for booking inaccuracies, scheduling changes, flight cancellations, or travel costs incurred.
By using the app offline, you acknowledge that queued modifications are stored locally in your browser's client-side cache (IndexedDB). If data conflicts occur upon reconnection (e.g. if the database was modified from another device during the offline period), Money Maze reconciles records based on conflict rules (typically favoring the latest verified timestamp). Money Maze Fintech is not liable for data loss, overrides, or discrepancies resulting from synchronization conflicts.
The AI Assistant and the Boardroom Debate Panel generate responses using generative language models. AI outputs are experimental, educational, and may contain inaccuracies or hallucinations. Under no circumstances should chatbot suggestions or boardroom simulation debates be relied upon for credit planning, legal negotiations, tax compliance, or investment decisions.
When you join or add members to a shared Household, you grant those members permissions to read, write, modify, or delete any financial records linked to that Household. Money Maze Fintech is not liable for unauthorized alterations, deletions, or data sharing conducted by members you invite to your Household.
Vehicle fuel cost attribution calculations (including Price, Distance, and Efficiency Impact matrices) and average consumption rates (L/100km) are mathematical models based on user-entered odometer readings and fuel volumes. They do not connect to onboard vehicle diagnostics and should not be relied upon for automotive safety, tax logs, or commercial expense reports.
Savings streaks, milestones, badges, and annual bill set-aside progress are virtual motivational indicators within the software interface. They carry no monetary value, cannot be redeemed for cash, and do not represent actual cash deposits, interest earnings, or escrowed funds.
The Money Maze® software, user interface, brand assets, logos, design templates, layouts, calculation methodologies, and source code are the exclusive intellectual property of Money Maze Fintech and its licensors. You are granted a limited, personal, non-transferable, and revocable license to access the application for your own private, non-commercial financial planning. You must not copy, reproduce, distribute, or create derivative works of any part of the service without explicit written permission from Money Maze Fintech.
You retain full ownership of any data, logs, documents, and images you upload or input into the application, including receipt images for OCR parsing and odometer photographs (collectively, "User Content"). By submitting User Content, you grant Money Maze Fintech a limited, worldwide, royalty-free, and non-exclusive license to use, host, parse, copy, and process your data solely for the purpose of providing, operating, and improving the services. You represent and warrant that you hold all necessary rights to upload such User Content and that it does not violate any third-party rights.
You agree not to engage in any of the following prohibited activities while using Money Maze®:
These Terms of Service are governed by and construed in accordance with the laws of Queensland, Australia. You irrevocably submit to the exclusive jurisdiction of the state and federal courts located in Brisbane, Queensland, Australia, for the resolution of any disputes arising out of or in connection with these Terms or your use of the application.
To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Money Maze Fintech, its affiliates, developers, officers, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with your use or misuse of the service, your violation of these Terms of Service, or your infringement of any intellectual property or privacy rights of any third party.