Effective Date: 01 January 2026
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1. Scope and Acceptance

1.1 This ANNA +Taxes Service Terms & Conditions (“+Taxes Terms”) applies to the Services subscribed to by Business Account User and is incorporated into, and governed by, the ANNA Platform Customer Agreement (“Terms & Conditions”) accepted by User when registering for an ANNA Money Business Account. Capitalised terms not defined here have the meanings set out in the (“Terms & Conditions”). If there is any conflict between these +Taxes Terms and the Terms & Conditions, the Terms & Conditions control except with respect to service levels, remedies, and exclusions expressly stated in these +Taxes Terms.

1.2 By accessing or using the +Taxes Service, you confirm you have read, understood, and agree to be bound by these +Taxes Terms. Your continued use of the Service constitutes your unconditional acceptance of this Agreement.
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2. Definitions

“Agreement” means this Agreement, including any updates or amendments.

“ANNA”, “we”, “us” or “our” means ANNA Money Pty Ltd (ACN 681 600 073) and whose registered office is at 212 Cumberland St, Sydney NSW 2000.

“ANNA Business Tools” means self-service software provided by the ANNA Platform for day-to-day business management, accessible via web and mobile. Some features may be free, others paid as specified in these +Taxes Terms and/or on the website https://annamoney.au/services/anna-taxes. 

“ANNA Money App” means the application made available to you pursuant to this Agreement by ANNA, as downloaded from the Website, Apple Store or Google Play App Store, as updated from time to time.

“ANNA Platform” means the products and services made available to you by ANNA and which you access when interacting with ANNA, including (but not limited to) the ANNA Money App and dashboard.

“ATO” means Australian Taxation Office.

“Automated GST Calculation Tool” means a feature for calculating GST based on your input data.

“BAS” means business activity statement for the purposes of reporting on taxes and making payments.

“Bookkeeping Score” means a feature to measure the completeness of your bookkeeping tasks.

“Business Account” means the same as how ANNA Money business account is defined in the Terms & Conditions.

“Business Account User” means a company user who currently holds an ANNA Money Business Account.

“Business Days” means a day, other than Saturday, Sunday or public holiday in the New South Wales, when banks are open for business.

“Business Tools User” means a user who has signed up to ANNA One and with access to +Taxes service.

“Customer Type” means whether you are operating as a Limited Company or as a Sole Trader for the purposes of these Business Tools.

“Free Trial” means a period during which you can access the +Taxes Service at no charge.

“Limited Company” or “Company User” means a company registered with the Australian Securities and Investments Commission (ASIC).

“Open Banking Connection” means a third-party connection to a bank for automatic import of transaction data to ANNA.

“Promo Period” means a period offering access to a ANNA One Business Account +Taxes Plan at a reduced cost.

“Sole Trader” or “Sole Trader User” means an individual carrying on a business who lodges  an Individual Tax Return rather than Company Income Tax Return.

“+Taxes Service(s)” or “Service” means the ANNA One +Taxes Service, described below and related tools for bookkeeping, GST calculations, reporting, and other business administration features.

“+Taxes” means ANNA One’s artificial intelligence powered accounting and tax tools available on the ANNA One platform.

“Tax Expert” means an ANNA employee trained in Australian small business taxation.

“User” or “you” means any individual or entity accessing or using the Service.

Clauses marked [Ltd] apply only to Limited Company customers. Clauses marked [ST] apply only to Sole Trader customers. Unmarked clauses apply to all customers.

3. Description of Service

3.1 You can sign up for the Service and find pricing information on our website: https://annamoney.au/services/anna-taxes. Business Account Users can access certain ANNA Business Tools using your login credentials via the ANNA Mobile App. Some features are free for a limited period; ANNA may amend, extend, or withdraw this free period at its discretion.

3.2 What the Service Includes:

In addition to the definition in Section 2., +Taxes is a self-service software platform and set of tools designed to help Australian small businesses (companies) with:

1. Recording and categorising financial transactions;
2. Monitoring, streamlining, and automating bookkeeping tasks;
3. Automated GST calculations for BAS and other reporting;
4. Document and receipt management, including storage, scanning, automated matching, and GST extraction;
5. Generating and managing business invoices;
6. Tax calendars and reminders for key deadlines;
7. Software support for +Taxes tools;
8. Integration with Open Banking connections to automatically import transaction data from your business accounts outside of your ANNA business account;
9. Educational accounting and tax resources for Australian small businesses;
10. General guidance on small business tax and accounting, limited to educational or illustrative purposes.

3.3 What the Service Excludes:

ANNA is not an accounting firm, law firm, financial adviser, or any other regulated professional services provider. The Service is a tool and not a substitute for professional advice.

Accordingly, we do not:

a. Provide personalised tax, accounting, financial, or legal advice, including but not limited to:

• Advising on legal or share structures for your business based on your circumstances;
• Preparing, reviewing, or interpreting the terms of a legal agreement or contract;
• Advising on Centrelink payment eligibility or compliance;
• Advising on grants, subsidies, or payment scheme eligibility;
• Advising on licensing eligibility;
• Preparing or providing accountant letters.

b. Guarantee the accuracy or completeness of any lodgements generated/submitted through our Services, particularly where input data is incomplete or inaccurate.

c. Replace or substitute professional advice or services from qualified advisors, including:

• Legal advice from a lawyer;
• Tax advice from a registered tax agent;
• Financial planning advice from a licensed financial adviser.

3.4  [ST] Sole Trader Access to +Taxes

Sole Trader Users are not eligible for, and will not be provided with, an ANNA One Business Account. In order to access and use some features of the +Taxes, Sole Trader Users must connect at least one eligible external business bank account via an approved Open Banking connection.
 

4. Terms of Service

4.1 A Free Trial may be available for a limited time, the length of the trial may vary depending on the promotion period we decide. We may discontinue free trials at any time and without notice. We may also remove any features during the Free Trial period without any notice to the user. Where applicable, Free Trials are automatically rolled over into a paying subscription. You may cancel your trial at any time to avoid being charged at the end of the trial period.

4.2 The subscription cost, length, features included and billing periods may be changed in the future. You will be given reasonable notice and an opportunity to end your subscription before any changes apply.

4.3 If you use a personal account for business income or expenses, it is your responsibility to manually categorise business-related transactions. By default, transactions from personal accounts are treated as personal income or expenses and are excluded from business tax calculations. Personal drawings or expenses are not deductible for business purposes and should be categorised as “Personal Expenses” within the ANNA Platform.

4.3.1 [LTD] To use the +Taxes service, you are required to maintain an Anna Business Account as your primary business account. This means that your business income must be received into your Anna Money Business Account, and you should use your Anna Money business account to pay most of your business bills, except where our account features are not supported. 

4.3.2 [LTD] If it has been approved that you do not use an Anna Money Business Account as your primary business account, we reserve the right to discontinue access to our +Taxes services. We will make reasonable efforts to provide you with advance notice. 

4.3.3 [LTD] When connecting accounts via Open Banking, you must ensure that only business accounts are included in your tax calculations. Personal accounts must be toggled off in the ANNA Platform settings to prevent personal transactions from being included in bookkeeping, tax calculations, or reporting. You remain solely responsible for verifying that only eligible business accounts are included and that all tax-related calculations accurately reflect your business transactions.

4.3.4 [ST] Sole Trader Users access the +Taxes Service exclusively through connected external bank accounts. Certain features that depend on an ANNA Business Account may be limited or unavailable.

4.3.5 You acknowledge that delays, missing transactions, or incomplete data from external bank feeds via Open Banking may affect the accuracy and completeness of your bookkeeping, tax calculations and reporting. You remain solely responsible for ensuring that all business transactions are accurately recorded, including manually entering any transactions not automatically imported.

4.3.6 ANNA may suspend or refuse access to the +Taxes Service where external bank data is insufficient to produce reliable bookkeeping and tax calculations/reporting.

4.3.7 You acknowledge that we will not be liable for any consequences, losses, or damages resulting from the discontinuation, restriction, or discounting of our services, including any penalties or interest imposed by tax authorities.

4.4 Unless your service is terminated for reasons outlined in Section 4.6(a), your sole financial remedy will be a pro-rata refund of any prepaid subscription fees corresponding to the unused portion of the service period. No refund will be issued if your service is terminated due to a breach of the +Taxes Terms or involvement in unlawful and/or unethical activities, as outlined in Section 4.6(e).

4.5 To obtain accurate GST calculations and ensure correct lodgement of your BAS/GST returns, you acknowledge and agree that you are solely responsible for all of the following:

4.5.1 Accuracy and Verification of Data

1. Transaction categorisation: Ensure all business transactions are categorised correctly;
2. GST components: Ensure GST amounts are correctly applied to each transaction;
3. Automated data review: Verify any GST amounts automatically extracted from receipts. If no receipt is attached or extraction is inaccurate, manually input the GST amount;
4. Third-party data review: Verify and correct any information provided by the third party.

4.5.2 Completeness of Financial Records

1. Recording all transactions: Include all business income and expenses for the relevant accounting period in ANNA Money App;
2. External accounts: Any transactions outside ANNA Money App or connected bank feeds must be added manually;
3. Bank statements: Where applicable, connect additional business bank accounts or provide relevant financial statements to ensure a complete record.

4.5.3 Automated Transaction Categorisation

The accuracy of automated transaction categorisation may depend on data supplied by our third-party providers and the financial institutions of your connected accounts, including external accounts connected via Open Banking. Some banks or card providers may not supply Merchant Category Codes (MCC) or may provide incomplete or inaccurate merchant data. In such cases, automated categorisation may be limited, delayed, or unavailable. You remain solely responsible for verifying, reviewing, updating, and maintaining accurate transaction categories within the ANNA Platform, as well as for ensuring the accuracy and completeness of all outputs generated by the +Taxes Service, including manually correcting transaction categorisation where automated categorisation is limited or unavailable.

4.5.4 Filing and Amendments

1. Timely lodgement: Review, finalise, and lodge your BAS/GST return with the ATO in advance of official deadlines;
2. Contingency for delays: Allow sufficient time to address technical issues with our software or third-party integrations. ANNA is not liable for penalties, interest, or late filings caused by such delays;
3. Correcting errors: Once submitted, BAS/GST returns cannot be altered. Any errors or omissions must be corrected in the next BAS/GST return as per ATO guidelines.

4.5.5 Your ongoing responsibilities:

1. Ensure all information entered into ANNA Money App is accurate, complete, and timely;
2. Verify outputs provided by the Service before submission;
3. Determine whether the Service tools are appropriate for your business circumstances;
4. Comply with all applicable tax, legal, regulatory, and statutory obligations;
5. Ensure timely and accurate submission of all returns and payments;
6. Maintain accurate, truthful, and complete records relevant to the preparation of returns;
7. Where required, settle any outstanding tax obligations with the relevant authorities;
8. Seek independent professional advice at your discretion when necessary.

4.6 We reserve the right, at our sole discretion, to refuse, suspend, or terminate the provision of our services to you at any time. Such a decision may be based on, but is not limited to, the following factors:

1. Your failure to provide the required level of documentation and/or bookkeeping necessary for us to generate an accurate GST estimation;
2. The structure, type, or size of your company being unsuitable for our service;
3. The complexity of your business transactions or the perceived risk level associated with your business activities;
4. A dependency on historical financial data or third-party data that we deem to be unreliable, incomplete, or inaccessible;
5. Suspicion of your involvement in any illegal, fraudulent, or unethical activities;
6. A breach of any term within this Agreement, including abusive behaviour towards our staff,  unreasonable requests and/or out-of-scope expectations of the service;
7. A technical or operational incompatibility between your business and our Service.

4.7 In the event we exercise our right to refuse, suspend, or terminate your access to the Service, the following conditions will apply:

1. Notice: We will endeavour to provide you with written notice as soon as possible to allow you to export your data and arrange for an alternative service within an agreed to timeframe. However, we reserve the right to suspend or terminate your service immediately for a a material breach of this Agreement, suspected illegal activity, fraud, or actions that pose a security risk to our Service or other users;
2. Refund Policy: Unless your service was terminated for a reason outlined in 4.6(a), your sole financial remedy will be a pro-rata refund of any prepaid subscription fees corresponding to the unused portion of the service period. No refund will be issued if your service is terminated due to a breach of the +Taxes Terms or involvement in unlawful or/and unethical activities outlined in 4.6(e);
3. Limitation of Liability: You acknowledge and agree that we will not be liable for any direct, indirect, incidental, or consequential damages, losses, or costs arising from our decision to refuse, suspend, or terminate your service. This includes, but is not limited to, any penalties, interest, or other charges imposed by any tax authority (such as the ATO), government body, or any third party. You acknowledge that you remain solely responsible for your tax and compliance obligations at all times;
4. Explanation of Decision: We are not obligated to provide detailed reasons or enter into correspondence regarding our decision to terminate your service.
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5. Disclaimers and Limited Liability

5.1 To the fullest extent permitted by law, including the Australian Consumer Law, the +Taxes Service (including tools and services accessible via the  ANNA Platform ) is provided on an "as is" and "as available" basis. Any information, outputs, or data generated through the Service are for general use only and must not be relied upon as financial, tax, or regulatory advice. You are solely responsible for exercising your own judgment, verifying accuracy, and obtaining independent professional advice before making any decisions, submissions, or filings.

5.2 We do not guarantee, represent, or warrant that:

• The Service will meet your specific requirements, be uninterrupted, error-free, or secure;
• Any calculations, categorisations, outputs, or submissions generated will be complete or accurate; or
• Any third-party integrations (including ATO, ASIC, financial institutions) will function without delay or error.

You should make reasonable efforts to ensure that all inputs, data, calculations, and filings are complete and accurate, that categorisations are correctly applied, and that sufficient time is allowed to prepare and review submissions in case of unforeseen issues.

5.3 To the maximum extent permitted by law, ANNA, its affiliates, officers, employees, agents, and suppliers shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or for any loss, damage, penalty, interest, or expense arising from or in connection with:

• Your data and conduct: any errors, omissions, or inaccuracies in the data you provide, or your failure to maintain up-to-date and accurate records, including misuse or negligent use of the Service by you or authorised third parties;
• Service unavailability: your inability to access or use the Service due to maintenance, system failures, updates, or other causes;
• Third-party failures: delays, failures, or errors caused by third-party integrations or portals (such as ATO, ASIC, financial institutions);
• Security breaches: unauthorised access, fraud, or loss resulting from your failure to keep login credentials or devices secure;
• Business losses: including but not limited to loss of profits, revenue, anticipated savings, goodwill, or business interruption;
• Regulatory charges: penalties, fines, interest, or other charges imposed by government or regulatory authorities (including late or incorrect submissions), even if attributable to a fault in our software.

5.4 If, despite the above, any liability is found to exist on our part, our total aggregate liability to you for all claims arising under or in connection with this Agreement (whether in contract, tort including negligence, breach of statutory duty, or otherwise) shall be strictly limited to the total subscription fees paid by you to us in the twelve (12) months immediately preceding the month in which the claim arose.

5.5 Nothing in this Agreement excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law which cannot be lawfully excluded.

6. Governing Law and Dispute Resolution

6.1 This Agreement is governed by and construed in accordance with the laws of New South Wales, Australia. Each party irrevocably submits to the exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia.

6.2 Before commencing any court proceedings (other than seeking urgent injunctive or interlocutory relief), the parties must use reasonable efforts to resolve any dispute arising out of or in connection with this Agreement through good faith discussions. If the dispute is not resolved within twenty (20) business days of written notice of the dispute, either party may refer the matter to mediation administered by the Resolution Institute, conducted in Sydney, New South Wales, in accordance with its Mediation Rules. If the dispute remains unresolved thirty (30) days after the appointment of a mediator, either party may commence court proceedings.

6.3 Each party must continue to perform its obligations under this Agreement while any dispute is being resolved, unless those obligations are the subject of the dispute.

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