Terms of Service

Last updated: 14 July 2026

These terms govern your use of GalaxyCFO (the "Service"), operated by The Startup Nerds Pty Ltd ("we", "us"). By creating an account or using the Service you agree to these terms.

1. The Service

GalaxyCFO provides cash flow forecasting and related financial tools for businesses, drawing on data you provide or authorise us to retrieve from your accounting platform (such as Xero). The Service produces forecasts and estimates: they are decision-support tools, not financial, tax or investment advice, and no forecast is a guarantee of future performance. You remain responsible for your business decisions and statutory obligations.

2. Accounts and access

You must provide accurate account information and keep your credentials secure. You are responsible for activity under your account, and for ensuring anyone you invite to your workspace is authorised to see the business data in it. Employee-level payroll data is additionally protected by a PIN you control.

3. Subscriptions, trials and payment

The Service is offered on a monthly subscription per business entity, with a 14-day free trial that does not require a payment method. When a trial ends without an active subscription, access to that entity is suspended until a subscription starts; your data is retained. Fees are billed in advance in Australian dollars (inclusive of GST) through our payment provider, Stripe. You can cancel at any time from your billing settings; cancellation takes effect at the end of the current billing period and we do not provide partial refunds except as required by law, including the Australian Consumer Law.

4. Your data

You own your business data. You grant us the licence needed to host, process and display it in order to operate the Service, including retrieving data from your accounting platform with your authorisation and processing extracts with AI subprocessors to provide features you use. We do not sell your data. Our handling of personal information is described in the Privacy Policy. You can disconnect your accounting platform at any time, and you may request deletion of an entity and its data.

5. Acceptable use

You must not misuse the Service: no unauthorised access, no interference with its operation, no use in breach of law, and no reselling or white-labelling without our written agreement. We may suspend accounts that put the Service or other customers at risk.

6. Availability and changes

We aim for high availability but the Service is provided "as is" and depends on third-party platforms (including Xero, Stripe and our hosting providers) that we do not control. We may improve, add or retire features; if we retire something material to your subscription we will give reasonable notice.

7. Liability

To the extent permitted by law, our total liability for claims relating to the Service in any 12-month period is limited to the amounts you paid us in that period, and neither party is liable for indirect or consequential loss. Nothing in these terms excludes rights that cannot be excluded under the Australian Consumer Law; where such rights apply, our liability is limited to re-supplying the Service or the cost of re-supply.

8. Termination

You may stop using the Service and cancel at any time. We may terminate or suspend access for material breach of these terms. On termination we retain your data for 90 days (so you can export or reactivate) and then delete it, except where retention is required by law.

9. General

These terms are governed by the laws of New South Wales, Australia. We may update these terms; material changes will be notified in the app or by email, and continued use after the effective date constitutes acceptance. Questions: hello@galaxycfo.com.