Terms of Service

1.1. In these Terms of Service ("Terms"), the following definitions apply:

"Account"

means your registered account on the Resunday platform.

"Account Credit"

has the meaning given in clause 5.8.

"Approved Deal"

means a Deal Card that you have explicitly approved for execution.

"Bill Data"

means the billing documents, usage data, and account information you provide to Resunday.

"Commission"

has the meaning given in clause 5.4.

"Cumulative Buffer"

has the meaning given in clause 5.3.

"Deal Card"

means a savings opportunity identified by Resunday and presented to you for approval.

"Gross Saving"

means the estimated annual saving attributable to a single switching event, calculated by comparing your current rate or plan against the recommended alternative rate or plan.

"Service Authorisation Agreement"

means the agreement described in clause 7 under which you authorise Resunday to act on your behalf.

"Managed Services"

means the household utility services (including energy, broadband, insurance, and telecommunications) that you have authorised Resunday to manage on your behalf.

"Net Savings Position"

has the meaning given in clause 5.6.

"Resunday", "we", "us", "our"

means Resunday Pty Ltd (ACN 698 158 744).

"Platform"

means the Resunday website at resunday.app, the application at try.resunday.app, and any related mobile or web applications.

"Provider"

means any third-party utility, energy, broadband, telecommunications, or insurance retailer.

"Switching Event"

means a completed change of provider, plan, or contract terms executed on your behalf by Resunday following your explicit approval.

"You", "your"

means the individual who registers for and uses the Resunday Platform.

1.2. Headings are for convenience only and do not affect interpretation.

1.3. A reference to legislation includes any amendment, re-enactment, or replacement of that legislation.

2.1. By accessing or using the services provided by Resunday through the Platform, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use our services.

2.2. We may update these Terms from time to time in accordance with clause 14. Material changes will be notified to you via email or through the Platform at least 14 days before they take effect. Your continued use of the service after changes take effect constitutes acceptance of the revised Terms.

2.3. These Terms form a binding agreement between you and Resunday, subject to the Australian Consumer Law and other applicable legislation. To the extent of any inconsistency between these Terms and the Australian Consumer Law, the Australian Consumer Law prevails.

2.4. You consent to entering into these Terms by electronic means. This agreement is valid and enforceable as an electronic transaction under the Electronic Transactions Act 1999 (Cth) and corresponding state and territory legislation.

3.1. Resunday provides a household utility administration service for Australian consumers. Our service:

• Ingests and analyses billing data from sources you authorise;
• Benchmarks your current rates against a range of Australian providers;
• Identifies savings opportunities, which are presented to you as Deal Cards;
• Upon your explicit approval, executes provider switches or retention negotiations under a Service Authorisation Agreement.

3.2. Resunday does not provide financial advice, financial product comparison, or financial planning services. Resunday does not hold an Australian Financial Services Licence (AFSL) under the Corporations Act 2001 (Cth), Chapter 7. All recommendations are based on rate comparisons and publicly available plan information, and do not take into account your financial objectives, financial situation, or particular needs.

3.3. Savings estimates are based on available rate data and your provided Bill Data. Actual savings may vary due to changes in provider pricing, your usage patterns, promotional period expiry, and other factors outside Resunday's control. Resunday does not guarantee any specific savings amount.

4.1. You must be at least 18 years of age and a resident of Australia to use our services.

4.2. By using our services, you represent and warrant that you meet these eligibility requirements and have the legal capacity and authority to enter into these Terms.

4.3. Our services are available to residents of all Australian states and territories. Certain features may be limited to specific jurisdictions based on regulatory requirements or Provider availability.

No Upfront Costs

5.1. There is no audit fee, subscription fee, or lock-in contract. You are not charged for using the Platform, uploading bills, or receiving Deal Cards.

Deal Card Quality Gate

5.2. Resunday will only present Deal Cards where the estimated annual saving from a Switching Event is at least $200.

Cumulative Buffer: First $300 Free

5.3. You retain 100% of the first $300 in cumulative net savings achieved across all of your Managed Services. This buffer:

• Is calculated cumulatively across all Switching Events and all service types. It is not applied per switch, per bill type, or per service category;
• Applies once per Account;
• Never resets, regardless of Account age, service changes, or periods of inactivity.

No Commission is payable on any Switching Event (or portion thereof) that falls within the Cumulative Buffer.

Commission Rate

5.4. Once your cumulative net savings exceed the $300 Cumulative Buffer, Resunday charges a Commission of 30% of the Gross Saving attributable to each subsequent Switching Event.

Per-Event Commission Cap

5.5. Resunday's Commission for any single Switching Event is capped at $500, regardless of the Gross Saving achieved by that event.

Savings Netting

5.6. Where Resunday manages multiple services on your behalf, savings and cost increases across those services are netted. If one Managed Service experiences a cost increase while another experiences a saving, only the net position (your "Net Savings Position") across all Managed Services counts toward the accumulation of the Cumulative Buffer and toward Commission calculations.

Worked Example

5.7. For illustrative purposes only:

Refunds and Account Credits

5.8. Where Resunday determines that a Commission you have paid should be refunded (for example, following a billing correction or an adjustment to your Net Savings Position), the refund is, by default, issued as an account credit (an "Account Credit") rather than as a cash refund. The issue of an Account Credit is at Resunday's discretion and does not arise automatically on the occurrence of any event.

• An Account Credit is applied automatically to reduce your future Commission charges, oldest Account Credit first, before any amount is charged to your payment method. Where an Account Credit fully covers a Commission, no amount is charged for that Switching Event;
• Account Credits are not redeemable or payable as cash, are not transferable, and do not expire;
• The total of any Account Credits and cash refunds issued in respect of a single Switching Event will not exceed the Commission originally paid for that Switching Event;
• Resunday will consider a request for an Account Credit made within 12 months of the date the relevant Commission was paid.

Resunday may, at its discretion, issue a cash refund in place of an Account Credit (for example, on closure of your Account).

Payment Processing

5.9. All payments and fees are processed via Stripe (Stripe, Inc. and its affiliates). By agreeing to these Terms, you acknowledge that:

• Your payment information is collected and processed by Stripe in accordance with the Stripe Services Agreement and Stripe Privacy Policy;
• Resunday does not store your full credit card or bank account details on its own systems;
• Certain personal information (including your name and email address) is shared with Stripe for the purpose of payment processing and fraud prevention.

GST

5.10. Unless stated otherwise, all amounts in these Terms are expressed inclusive of GST (where applicable).

6.1. You agree to:

• Provide accurate and complete billing documents and personal information;
• Only upload bills for accounts for which you are the legal account holder or an authorised representative;
• Review all Deal Cards and switching recommendations before granting approval;
• Not use the service for any unlawful or fraudulent purpose;
• Keep your Account credentials secure and notify Resunday immediately if you become aware of any unauthorised use of your Account;
• Promptly notify Resunday of any material changes to your circumstances that may affect the services (e.g., change of address, change of property).

6.2. You are responsible for any actions taken through your Account using your credentials.

6.3. To the fullest extent permitted by law (and subject to your rights under the Australian Consumer Law, which are not excluded or limited by this clause), you agree to indemnify and hold harmless Resunday, its officers, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable legal costs) arising from:

• Your breach of these Terms;
• Your provision of inaccurate, incomplete, or fraudulent information;
• Any third-party claim arising from your use of the service in breach of these Terms.

7.1. Where required to negotiate with Providers or execute Switching Events on your behalf, we will request a Service Authorisation Agreement. The agreement is strictly scoped to:

• Contacting your current Providers to obtain retention offers;
• Requesting plan details and contract information;
• Submitting cancellation or switch requests that you have explicitly approved.

7.2. The Service Authorisation Agreement does not authorise Resunday to:

• Sign new contracts on your behalf that you have not explicitly approved;
• Incur additional charges or liabilities;
• Make any changes to your services without your prior written or electronic approval.

7.3. Service Authorisation acknowledgement and identity verification are collected at the time of Deal Card approval, not during Account registration or onboarding.

7.4. You may revoke the Service Authorisation at any time by notifying Resunday through the Platform or by emailing legal@resunday.app. Revocation takes effect upon receipt by Resunday, except in respect of any Switching Event that has already been submitted for execution.

7.5. See our Service Authorisation Agreement for full details.

Explicit Approval

8.1. No provider switch, plan change, or cancellation will be executed without your explicit approval. Approval may be provided via biometric authentication, manual confirmation through the Platform, or such other method as Resunday makes available from time to time.

8.2. You may withdraw approval at any time prior to the execution of the Switching Event.

Cooling-Off Periods

8.3. You acknowledge that certain Switching Events may be subject to statutory or industry-code cooling-off periods, including but not limited to:

• Energy retail transfers under the National Energy Retail Rules (typically 10 business days);
• Telecommunications transfers under the Telecommunications Consumer Protections Code;
• Insurance policy cooling-off periods under the Insurance Contracts Act 1984 (Cth) (typically 14 days for general insurance).

8.4. Resunday will use reasonable endeavours to inform you of applicable cooling-off periods at the time a Deal Card is presented. However, cooling-off rights are governed by the relevant Provider's terms and applicable law, not by Resunday.

8.5. If you wish to exercise a cooling-off right, you should notify Resunday as soon as practicable. Resunday will assist where able, but the exercise of cooling-off rights remains your responsibility under the relevant Provider's terms.

9.1. Resunday uses artificial intelligence (AI) technology, including third-party AI services, to process and analyse your Bill Data. Specifically:

• Bill documents you upload may be processed by the Anthropic Claude API (provided by Anthropic, PBC) for the purpose of extracting billing data, usage information, and rate details;
• AI-generated analysis is used to identify savings opportunities and generate Deal Cards;
• AI-assisted agents may be used in the negotiation and switching process.

9.2. Your Bill Data is transmitted to Anthropic's API servers, which are located in the United States. Resunday does not permit Anthropic to use your Bill Data for model training purposes.

9.3. AI-generated analysis is reviewed before being presented to you. No switching decision is made by AI. All Switching Events require your explicit approval.

9.4. For further details on how your personal information is collected, used, and disclosed, including in connection with AI processing, please see our Privacy Policy.

10.1. All content, branding, software, algorithms, and materials on the Platform are the intellectual property of Resunday Pty Ltd or its licensors. You may not reproduce, distribute, or create derivative works from our materials without prior written consent.

10.2. You retain ownership of your Bill Data. By uploading Bill Data to the Platform, you grant Resunday a limited, non-exclusive licence to use, process, and store that data for the purpose of providing the services described in these Terms.

11.1. Nothing in these Terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition implied or imposed by any legislation (including the Australian Consumer Law) which cannot lawfully be excluded or limited. This includes consumer guarantees under the ACL (sections 51–67 of the Australian Consumer Law).

11.2. Subject to clause 11.1, to the maximum extent permitted by law:

• Resunday is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the service;
• Our total aggregate liability to you for any claim arising from or in connection with these Terms shall not exceed the total fees you have paid to Resunday in the 12 months preceding the claim;
• We do not guarantee specific savings amounts. Quoted savings are estimates based on available rate data and may vary based on Provider terms, usage patterns, promotional period expiry, and other factors.

11.3. Without limiting clause 11.1, Resunday is not liable for:

• Delays in Provider switching caused by the relevant Provider;
• Changes to Provider pricing or terms after a Switching Event has been completed;
• Service interruptions during a Provider transfer that are outside Resunday's control;
• Any loss arising from inaccurate or incomplete Bill Data provided by you.

12.1. If you have a complaint or dispute about the services, you agree to follow the tiered resolution process set out in this clause before commencing court proceedings (except where seeking urgent injunctive relief).

Step 1: Internal Resolution

12.2. In the first instance, contact Resunday at:

• Email: legal@resunday.app
• Subject line: "Formal Complaint, [Your Name]"

12.3. Resunday will acknowledge your complaint within 5 business days and use reasonable endeavours to resolve it within 20 business days.

Step 2: Industry Ombudsman

12.4. If your complaint is not resolved to your satisfaction under Step 1, or if Resunday has not responded within the timeframes above, you may escalate your complaint to the relevant industry ombudsman:

• Energy complaints (Victoria): Energy and Water Ombudsman Victoria (EWOV): ewov.com.au
• Energy complaints (New South Wales): Energy and Water Ombudsman NSW (EWON): ewon.com.au
• Telecommunications complaints: Telecommunications Industry Ombudsman (TIO): tio.com.au
• Insurance complaints: Australian Financial Complaints Authority (AFCA): afca.org.au
• General consumer complaints: Your state or territory fair trading or consumer affairs body.

Step 3: Courts

12.5. If the dispute is not resolved through Steps 1 and 2, either party may commence proceedings in the courts of Victoria, subject to clause 13.

13.1. These Terms are governed by the laws of the Commonwealth of Australia. Where state or territory law applies, the laws of the State of Victoria govern.

13.2. Subject to clause 12 (Dispute Resolution), any disputes arising from or relating to these Terms shall be subject to the non-exclusive jurisdiction of the courts of Victoria.

13.3. Nothing in these Terms limits your right to bring proceedings in any court or tribunal that has jurisdiction under applicable law, including under the Australian Consumer Law.

14.1. We may update these Terms from time to time. Where we make material changes, we will notify you via email or through the Platform at least 14 days before the changes take effect.

14.2. Your continued use of the service after changes take effect constitutes acceptance of the revised Terms. If you do not agree with the revised Terms, you must stop using the service before the changes take effect.

14.3. Non-material changes (such as corrections of typographical errors or formatting) may be made at any time without prior notice.

15.1. By you: You may stop using our services and close your Account at any time by contacting us at hello@resunday.app or through the Platform.

15.2. By us: We may suspend or terminate your access if you:

• Breach these Terms;
• Provide fraudulent or materially misleading information;
• Use the service in a manner that could harm Resunday, other users, or Providers.

15.3. Upon termination:

• Any Switching Event already submitted for execution will be completed where reasonably practicable;
• Any outstanding fees or Commission will remain payable;
• Your Bill Data will be handled in accordance with the Privacy Policy and applicable data retention requirements.

16.1. Your use of the Platform is subject to our Privacy Policy, which forms part of these Terms by reference.

16.2. Resunday collects, uses, and discloses your personal information in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth).

16.3. Identity documents provided for Service Authorisation verification purposes are purged within 30 days of the relevant Switching Event being completed or abandoned.

18.1. The indemnity in clause 6.3 survives termination or expiry of these Terms.

18.2. Nothing in this clause requires you to indemnify Resunday for any loss or damage to the extent that it was caused or contributed to by Resunday's negligence, wilful misconduct, or breach of these Terms.

19.1. Neither party is liable for any failure or delay in performing its obligations under these Terms to the extent that the failure or delay is caused by an event beyond that party's reasonable control, including but not limited to: natural disasters, government actions, pandemics, internet or telecommunications failures, power outages, cyberattacks, or actions of third-party service providers.

19.2. The affected party must notify the other party as soon as reasonably practicable and use reasonable endeavours to mitigate the effect of the force majeure event.

19.3. If a force majeure event continues for more than 60 days, either party may terminate these Terms by providing written notice to the other party.

20.1. A failure or delay by a party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy, nor does it prevent or restrict the further exercise of that or any other right or remedy.

20.2. A waiver of any right or remedy under these Terms is only effective if given in writing and shall not be deemed a waiver of any subsequent right or remedy.

21.1. You may not assign, transfer, or sub-license your rights or obligations under these Terms without Resunday's prior written consent.

21.2. Resunday may assign or transfer its rights and obligations under these Terms to a successor entity in connection with a merger, acquisition, corporate reorganisation, or sale of all or substantially all of its assets, provided that the successor entity assumes all obligations under these Terms.

22.1. Any notice required or permitted under these Terms must be given:

• To Resunday: by email to legal@resunday.app;
• To you: by email to the address associated with your Account, or by notification through the Platform.

22.2. A notice is deemed received: (a) if sent by email, at the time the email enters the recipient's information system (or, if sent after 5:00 PM AEST, on the next business day); and (b) if delivered through the Platform, when displayed to you.

23.1. These Terms do not confer any rights on any person or entity other than you and Resunday. No third party may enforce any provision of these Terms.

24.1. If any provision of these Terms is found to be void, unenforceable, or invalid by a court of competent jurisdiction, that provision will be severed and the remaining provisions will continue in full force and effect.

25.1. These Terms, together with the Privacy Policy and Service Authorisation Agreement, and any other documents expressly incorporated by reference, constitute the entire agreement between you and Resunday in relation to the services.