Legals

4 April 2023

Plain English

These terms and conditions are written in plain English, so that you, and we, can understand them. Our intention is to make them as fair and reasonable as possible.

By the way, when we say Ruffle Report, “us”, “we”, “our”, etc, we are referring to the Ruffle Report business carried on by The Ruffle Technology Company Pty Ltd, its affiliates, and agents.

Should you have any questions or concerns about this document, please contact us.

Using Ruffle Report means accepting these terms

By accessing or using Ruffle Report in any way you agree to be, and are bound by, the terms and conditions in this document. If you do not agree to every term and condition contained in this document, do not access or use Ruffle Report.

These Terms Will Change Over Time

This is a living document. If you see something that should be changed, or think of something that should be added, let us know.

We won’t amend this document for individual customers, but will make changes that improve the document for everyone.

By continuing to use Ruffle Report, you will implicitly accept the changes we make. We will notify you of any material changes by posting the updated document to this site and updating the “Document History” section below.

Your access and use of Ruffle Report is always subject to the most current version of this document.

Breach of Terms

If you breach any of the terms and conditions in this document, your authorization to access or use Ruffle Report automatically terminates.

We may block, restrict, disable, suspend or terminate your access to all or part of Ruffle Report at any time in our sole discretion, without prior notice or liability to you.

If you think we removed your access by mistake, let us know and we’ll give you our reasoning.

Refunds

You are entitled to a refund in certain circumstances under Australian Consumer Law. These terms and conditions do not limit those rights in any way.

To request a refund, please contact support including the detail requested above.

Support

Support for Ruffle Report is provided via email. While we do our best to respond promptly to all enquiries, we can’t promise to respond within a certain timeframe, or to be able to answer your particular questions.

Privacy and access to your data

We're big believers in protecting your privacy. We don't do anything with your data that we wouldn't want done with ours.

We collect the following information:

  • Email address
  • Bank account names, types, institutions, and last four digits of the account number
  • Transaction data (description, account, and amount)
  • Any amendments to categorisation that you or your legal team have made

We use that information to:

  • Log you in. When you want to log in, we will send you a link by email.
  • Prepare your Ruffle Report. Using your bank account details and transaction data, we will prepare your Ruffle Report.

Who we partner with

We partner with the following service providers, and some of your personal information may be shared with them in the course of providing the Ruffle Report service to you:

  • CreditSense We use CreditSense to gather data from your bank accounts (with your consent), and to process bank statement PDFs that you upload.
  • Sentry We use Sentry to capture errors in our code that occur while you are using Ruffle Report. We use the data in those errors to help us identify the source of the error and fix it faster.
  • Stripe We use Stripe for credit card payments. We provide Stripe with your email address at checkout, so that you don't have to type it in yourself.

Who can see my credit card number?

No-one at Ruffle Report. We use the very trustworthy and secure Stripe payment service. Read about their security measures on the Stripe website (in short, they encrypt your credit card info using industry-standard practices). We make use of Stripe Checkout, which means that Stripe not only handles the credit card payments, they also handle the collection of credit card data from you, so your card information never touches our servers.

How can I access or correct my information?

Contact us by email.

What are the guidelines Ruffle Report follows when accessing my data?

For the most part, your data is only available to you, and your legal team (if and when you grant them access). Sometimes, we may need to access the data ourselves. When that happens:

  • We restrict who at Ruffle Report can access customer data on as needed basis.
  • We only do it in response to a customer support question, or to look at issues affecting the entire Ruffle Report application.
  • We only do it in order to debug and fix the issue.
  • We never make changes to anything unless explicitly requested by a user.

How is my data protected and secured?

All of our customers’ data resides in the same database. We use software best practices to guarantee that only you can access your data. In other words, we segment our customer data via software. We do our best and are very confident we’re doing a good job at it, but, like every other web app that hosts their customers data on the same database, cannot guarantee that a sophisticated hacker cannot access other people’s data. If you believe that your data is no longer secure, please contact us immediately.

Where is my data stored?

Your personal information is transferred, stored and processed in Australia.

How is my data shared?

We do not sell, rent, or trade your personal information to others and have never done so.

We share personal information with others only in the following ways: 1) if we are required by law; or 2) with our third-party service providers to perform tasks on our behalf, including payment processing and bug tracking.

Intellectual Property Rights

Who owns Ruffle Report materials?

Ruffle Report Materials are all the information, data, documents, communications, downloads, files, text, images, photographs, graphics, videos, webcasts, publications, content, tools, resources, software, code, programs and products on Ruffle Report produced by Ruffle Report.

Unauthorized use of the Ruffle Report Materials is a violation of these Terms of Service, and may also constitute a violation of copyright, trademark, patent, trade secret and other intellectual property and proprietary laws.

You agree not to copy, republish, frame, download, transmit, modify, adapt, create derivative works based on, rent, lease, loan, sell, assign, distribute, display, perform, license, sublicense, or reverse engineer the Ruffle Report service or Ruffle Report Materials or any portions of them.

You agree that you will not decompile, reverse engineer, or otherwise attempt to discover the source code of the software. Any copying or redistribution of the software is prohibited, including any copying or reproduction of the software to any other server or location for further reproduction, redistribution or use on a service bureau basis.

Any unauthorized use, copying or distribution of the software is expressly prohibited by law, and may result in severe civil and criminal penalties.

Ruffle Report is a trade mark of The Ruffle Technology Company Pty Ltd. You are not permitted to use it as a trade mark without our prior written consent.

Who owns the IP of the generated Ruffle Report and supporting documents?

We retain ownership of all materials generated by Ruffle Report, including the the generated Ruffle Report and supporting documents (the End Products). However, we grant you a worldwide, irrevocable, royalty-free licence to use the End Products for any purpose reasonably connected with your legal matter.

Do you guarantee that Ruffle Report will be accessible at all times?

In short, we do not. Like all other cloud-based applications, we are vulnerable to the inherent unreliability of the Internet. You acknowledge and agree that Ruffle Report shall not be liable for any failure to store or retrieve your materials on Ruffle Report at any time.

Don’t misbehave

You agree that you shall not:

  • Collect, harvest, mine or engage in any other activity to obtain e-mail addresses, phone numbers, personal information or any other information about others.
  • Use or attempt to gain access to or use another user’s account, data, or computer systems or networks connected to any Ruffle Report server, whether through hacking, password mining or any other means.
  • Access or attempt to access any material that you are not authorized to access.
  • Use any material in any manner that infringes any intellectual property rights or other rights of any party.
  • Disrupt or interfere with the security of, or otherwise cause harm to, the Ruffle Report service, Ruffle Report materials, systems resources, accounts, servers or networks connected to or accessible through Ruffle Report or any affiliated or linked sites.
  • Post or otherwise submit any software, programs or files that are harmful or disruptive of another’s equipment, software or other property, including any corrupted files, time bombs, Trojan horses, viruses and worms.
  • Create a false identity for the purpose of misleading others.
  • Disrupt, interfere or inhibit any other user from using and enjoying the Ruffle Report service or other affiliated or linked sites, materials or services.
  • Access or use Ruffle Report in any manner that could damage, disable, overburden or impair any Ruffle Report server or the network(s) connected to any Ruffle Report server.
  • Violate any applicable laws or regulations related to the access to or use of Ruffle Report, or engage in any activity prohibited by the Terms of Service.
  • Post or otherwise submit any material that is child pornography, defamatory, unlawful, or otherwise objectionable.
  • Prepare, compile, use, download or otherwise copy any Ruffle Report user directory or other user or usage information or any portion thereof, or transmit, provide or otherwise distribute (whether or not for a fee) such directory or information to any third party.

Restriction and Termination of Use

Ruffle Report may block, restrict, disable, suspend or terminate your access to all or part of Ruffle Report at any time in Ruffle Report’s sole discretion, without prior notice or liability to you.

Liability

Links to Third Party Sites

Ruffle Report may include links that will take you to other third-party sites or mobile applications outside of the Ruffle Report service. Ruffle Report has no control of the linked sites and you acknowledge and agree that Ruffle Report is not responsible for the contents of any linked site.

Warranties and Disclaimers

The Ruffle Report service and Ruffle Report materials are provided by Ruffle Report under these Terms of Service “as is” without warranty of any kind, either express, implied, statutory or otherwise, including, but not limited to, the implied warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, Ruffle Report makes no warranty that:

  • the Ruffle Report service and Ruffle Report materials will meet your requirements;
  • the Ruffle Report service and Ruffle Report materials will be uninterrupted, timely, secure, or error-free;
  • the results that may be obtained from the use of Ruffle Report service and Ruffle Report materials will be effective, accurate, or reliable;
  • the quality of the site or any services or materials purchased or accessible by you will meet your expectations; and
  • any errors or defects in Ruffle Report service and Ruffle Report materials will be corrected.

This Ruffle Report service and Ruffle Report materials may include technical or other mistakes, inaccuracies, or typographical errors. Ruffle Report may make changes to the site, materials and services at any time in its sole discretion and without notice.

Indemnity and Liability

You agree to indemnify and hold Ruffle Report and its officers, co-branders, other partners and employees harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of:

  • your violation of the Terms of Service;
  • your infringement of any third party’s intellectual property rights when using any of the software made available on Ruffle Report; or
  • your violation of any rights of any third party.

Limitation of Liability

In no event shall Ruffle Report, its officers, directors, employees, partners or suppliers be liable to you or any third party for any special, punitive, incidental, indirect or consequential damages or losses of any kind, or any damages or losses whatsoever, including those resulting from loss of use, data or profits, whether or not foreseeable or if Ruffle Report has been advised of the possibility of such damages or losses, and on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim. To the extent that liability cannot be excluded, it shall be limited to a refund of the purchase price.

General

Governing Law and Jurisdiction

Ruffle Report is controlled by Ruffle Report from its offices in Victoria, Australia. By accessing Ruffle Report, you agree that all matters relating to your access to, or use of, Ruffle Report shall be governed by the laws of Victoria, without regard to the conflicts of laws principles thereof. You also agree and hereby submit to the exclusive personal jurisdiction and venue of the courts of Victoria with respect to such matters. You and we specifically disclaim the U.N. Convention on Contracts for the International Sale of Goods.

Entire Agreement

These Terms of Service are the entire agreement between us and you with respect to your access to and use of the Ruffle Report service and materials.

Reading down

If for any reason a court of competent jurisdiction finds any provision of these Terms of Service, or any portion thereof, to be unenforceable, that provision or portion shall be enforced to the maximum extent permissible so as to give effect to the intent of the parties as reflected by that provision, and the remainder of the Terms of Service shall continue in full force and effect.

No waiver

Any failure by Ruffle Report to enforce or exercise any provision of the Terms of Service or related right shall not constitute a waiver of that right or provision.

The section titles used in the Terms of Service are purely for convenience and carry with them no legal or contractual effect.

© 2024 The Ruffle Technology Company Pty Ltd

Ruffle Report is a web application that helps family law participants and their lawyers perform forensic analysis of financial disclosure, for use in proceedings under the Family Law Act 1975 in the Federal Circuit and Family Court of Australia (FCFCOA).