Last Updated: November 3, 2026
These Terms of Use constitute a legally binding agreement between you and Edge-fern Security Solutions ("Edge-fern," "we," "us," or "our") concerning your access to and use of our financial card protection services and website.
By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.
To use our services, you must:
Edge-fern provides financial card protection services including:
Service features vary by subscription plan. We reserve the right to modify, suspend, or discontinue any aspect of our services with reasonable notice.
To access our services, you must create an account by providing accurate, current, and complete information. You agree to update your information promptly if it changes.
You are responsible for:
We are not liable for losses resulting from unauthorised account access due to your failure to maintain account security.
Our services are offered through monthly subscription plans. By subscribing, you authorise us to charge your payment method on a recurring basis until you cancel.
Subscription fees are stated in Australian Dollars (AUD) and are subject to change. We will notify you of price changes at least 30 days in advance. Continued use of services after a price change constitutes acceptance of the new pricing.
We accept major credit cards and debit cards. You authorise us to charge your payment method for all fees incurred. If your payment fails, we may suspend your account until payment is resolved.
Subscriptions are billed monthly on the date you enrolled. Billing continues until you cancel your subscription.
We offer a 30-day money-back guarantee for first-time subscribers. Refund requests must be submitted within 30 days of initial subscription. Subsequent monthly payments are non-refundable except as required by law.
You may cancel your subscription at any time through your account portal. Cancellation takes effect at the end of your current billing period. No refunds are provided for partial months.
While our services significantly reduce fraud risk, we cannot guarantee complete prevention of all fraudulent activity or identity theft. Our services are designed to detect and alert you to suspicious activity, but determined criminals may still succeed in some instances.
Our services do not constitute financial, legal, or professional advice. We recommend consulting with qualified professionals for specific financial guidance.
We are not affiliated with your financial institution. Our services supplement, but do not replace, protections offered by your bank or card issuer.
We strive for continuous service availability but do not guarantee uninterrupted access. We may experience downtime for maintenance, upgrades, or due to factors beyond our control.
You agree to:
You may not:
All content, features, and functionality of our website and services, including but not limited to text, graphics, logos, software, and algorithms, are owned by Edge-fern and protected by copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable licence to access and use our services for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
Your use of our services is subject to our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.
To the maximum extent permitted by law:
Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.
You agree to indemnify and hold harmless Edge-fern, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
These Terms are governed by the laws of Victoria, Australia, without regard to conflict of law principles.
Any disputes arising from these Terms or our services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes may be submitted to binding arbitration in accordance with Australian arbitration rules.
You agree to resolve disputes individually and waive the right to participate in class actions or collective proceedings.
We reserve the right to modify these Terms at any time. We will notify you of material changes via email or through our website. Your continued use of services after changes take effect constitutes acceptance of the modified Terms.
These Terms remain in effect while you use our services. We may suspend or terminate your account if you violate these Terms or engage in prohibited activities. Upon termination:
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and any additional terms presented at service enrollment, constitute the entire agreement between you and Edge-fern regarding our services.
For questions about these Terms or our services:
Edge-fern Security Solutions
Level 12, 580 Collins Street
Melbourne VIC 3000, Australia
Email: [email protected]