Terms of Service

Acceptance of Terms

By accessing or using Wren ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must not use the Service.

"You" and "Customer" refer to the individual or business entity that creates an account, accesses, or uses the Service. If you are accepting these Terms on behalf of a business, you represent and warrant that you have authority to bind that business to these Terms.

2102 Pty Ltd (ABN 91 391 518 847) trading as Wren ("we", "us", "our") provides the Service from Sydney, New South Wales, Australia.

Definitions

In these Terms, the following words have the meanings set out below:

Description of Service

Wren is a cloud-based automated invoice reminder platform designed for Australian small businesses. The Service includes:

• Integration with Accounting Platforms (currently Xero and QuickBooks; FreshBooks and Sage are planned future integrations) via secure OAuth connection to sync invoices and contact data.
• Automated email Reminders sent to Debtors on your behalf, based on your configured reminder schedules, across up to four escalation tiers: pre-due, first notice, second notice, and final notice.
• Automated SMS Reminders available on Growth and Business plans (see SMS Reminders section below).
• Stripe-powered payment links that allow Debtors to pay outstanding invoices online (see Payment Links section below).
• Dashboards displaying invoice statuses, payment timelines, outstanding amounts, and debtor ageing reports.
• Reporting tools for tracking reminder performance, payment recovery rates, and days sales outstanding (DSO).
• Data export functionality allowing Customers to download their invoice and reminder data in CSV format at any time.
• Compliance controls for ASIC Regulatory Guide 96 contact hour and frequency requirements (see ASIC RG 96 Compliance section below).

We may update, modify, or add features to the Service from time to time. We will notify you of any material changes that affect your use of the Platform.

Account Registration

To use Wren, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information including your name, email address, business name, and ABN.
• Maintain and promptly update your account information if it changes.
• Keep your login credentials confidential and not share them with any third party.
• Accept responsibility for all activities that occur under your account.
• Notify us immediately at [email protected] if you suspect any unauthorised access to your account.

Each account is intended for use by a single business entity. You must be at least 18 years of age to create an account and use the Service.

Subscription and Billing

Wren offers paid subscription plans billed either monthly or annually, as selected during sign-up or plan changes. The following terms apply:

• All prices are displayed and charged in Australian dollars (AUD) and are inclusive of Goods and Services Tax (GST) where applicable.
• Payments are processed securely through Stripe. We do not store your full credit card details.
• Monthly subscriptions renew automatically on the same day each month. Annual subscriptions renew on the anniversary of purchase.
• You may upgrade your plan at any time. Upgrades take effect immediately, with a pro-rated charge for the remainder of the current billing period. Downgrades take effect at the start of the next billing cycle.
• Annual plans include a 30-day money-back guarantee from the date of purchase. After this 30-day period, annual subscriptions may still be eligible for a pro-rated refund where required under Australian Consumer Law (see the Refund Policy section below).
• We reserve the right to change our pricing with at least 30 days written notice. Price changes will not apply to your current billing period.

Refund Policy

This Refund Policy applies to all Wren subscription plans and complies with the Australian Consumer Law (ACL), Schedule 2 of the Competition and Consumer Act 2010 (Cth). Under the ACL, consumer guarantees apply to the supply of services and cannot be excluded by agreement.

Your right to a refund under Australian Consumer Law

If the Service fails to meet a consumer guarantee under the ACL, you may be entitled to a remedy. The remedy depends on whether the failure is major or minor:

• Major failure: A major failure occurs when the Service would not have been acquired by a reasonable consumer fully acquainted with the nature and extent of the failure; when the Service is substantially unfit for its normal purpose and cannot easily be remedied; or when the Service is unsafe. In the case of a major failure, you are entitled to cancel your subscription and receive a refund for the unused portion of your subscription period.
• Minor failure: A minor failure occurs when the Service fails to meet a consumer guarantee but the failure does not amount to a major failure. In the case of a minor failure, we will use reasonable efforts to remedy the failure within a reasonable time. If we fail to remedy the minor failure within a reasonable time, you may be entitled to cancel your subscription and receive a pro-rated refund.

Voluntary refund policy (in addition to your ACL rights)

In addition to your rights under the ACL, we offer the following voluntary refund commitments:

• Monthly plans: You may cancel at any time. No refund is provided for the current billing period, but no further charges will be made.
• Annual plans — 30-day guarantee: If you cancel within 30 days of purchasing or renewing an annual plan, you will receive a full refund. No questions asked.
• Annual plans — after 30 days: After the 30-day guarantee period, annual subscriptions may be cancelled at any time. Cancellation takes effect at the end of the current annual term. Pro-rated refunds for the unused portion of the annual term are available where required by the ACL.
• Extended outage: If the Platform experiences a continuous fault that prevents you from using the core reminder service for more than 5 consecutive business days, you may cancel immediately and receive a pro-rated refund for the unused days in your billing period (see the Uptime section below).

How to request a refund

To request a refund, contact us at [email protected] with your account email and the reason for your request. We will process eligible refunds within 10 business days. Refunds are issued to the original payment method via Stripe.

Nothing in this Refund Policy limits or excludes your rights under the Australian Consumer Law. If there is any inconsistency between this Refund Policy and the ACL, the ACL prevails.

Free Trial

New accounts are eligible for a 14-day free trial of Wren. During the trial period:

• No credit card is required to start your trial.
• You will have full access to all features available under your selected plan.
• At the end of the 14-day period, your account will be paused until you select a paid plan and provide payment details.
• Data, configurations, and reminder schedules created during the trial will be preserved when you upgrade to a paid plan.
• Trial offers are limited to one per business entity. We may modify trial terms at our discretion.

SMS Reminders

SMS Reminders are available to Customers on the Growth and Business plans. By enabling SMS Reminders, you agree to the following additional terms:

• Carrier and provider: SMS messages are dispatched via ClickSend as our primary carrier, with Twilio as a fallback in the event of an outage. You are not billed separately per SMS message; SMS is included in your plan allowance.
• Debtor consent: You warrant that you have a legitimate basis to send SMS communications to each Debtor, and that the Debtor's mobile number was provided in the ordinary course of your commercial relationship (for example, as part of their contact record in your accounting system). You must not add mobile numbers to the Platform that were obtained through unsolicited means.
• Opt-out (STOP): Every SMS Reminder includes a STOP opt-out instruction. When a Debtor replies STOP (or any recognised opt-out keyword), the Platform records the opt-out immediately and no further SMS messages are sent to that number. You must not attempt to override or circumvent a Debtor's STOP request.
• Sender name: SMS messages are sent using your configured business name as the sender identifier, subject to carrier restrictions.
• No emergency use: The SMS Reminder feature is for invoice payment reminders only. You must not use it to send urgent health, safety, or emergency communications.

Payment Links

The Wren Platform can generate Stripe-powered payment links embedded in Reminder emails and SMS messages, enabling Debtors to pay outstanding invoices online. By enabling payment links, you agree to:

• Stripe as payment processor: All payment link transactions are processed by Stripe. You must have accepted Stripe's Connected Account Agreement (or equivalent Stripe terms) to use payment links. We are not a party to payment card transactions between you and your Debtors.
• PCI DSS compliance: Payment card data entered by Debtors is processed directly by Stripe and is subject to PCI DSS Level 1 standards. We do not access, store, or transmit card numbers, CVVs, or expiry dates.
• Auto-mark-paid: When a Debtor successfully completes payment through a Wren payment link, the Platform will attempt to automatically mark the corresponding invoice as paid in your connected Accounting Platform. This requires write access to your Accounting Platform, which you separately authorise during the OAuth connection flow.
• Responsibility for transactions: You are solely responsible for the accuracy of invoice amounts on payment links, issuing tax invoices where required, and any disputes between you and your Debtors regarding payment. Wren is a technical conduit only and is not a party to the underlying commercial transaction.
• Refunds: Refunds must be initiated directly through your Stripe dashboard. Wren does not process refunds on your behalf.

Accounting Platform Integrations

Wren integrates with Accounting Platforms to sync your invoice and contact data. The currently supported platforms are Xero and QuickBooks. FreshBooks and Sage integrations are planned and will be available in a future release.

By connecting an Accounting Platform, you:

• Authorise us to access your Accounting Platform data via OAuth 2.0, including invoices, contacts, and payment statuses, to the minimum extent required to provide the reminder service.
• Acknowledge that data synced from the Accounting Platform is subject to both these Terms and the Accounting Platform's own terms of use and privacy policy.
• Understand that OAuth access tokens are encrypted at rest using AES-256-GCM and stored securely in our database.
• May revoke our access to your Accounting Platform at any time through that platform's settings or through the Wren dashboard. Revoking access will disable invoice syncing and automated Reminders until access is restored.

Wren connects to Xero via its official OAuth2 API. We are not owned by, affiliated with, or endorsed by Xero Limited. Xero is a registered trademark of Xero Limited.

ASIC RG 96 Compliance

ASIC Regulatory Guide 96 (Debt Collection Guideline: for collectors and creditors) sets out standards for contact frequency, contact hours, and the treatment of Debtors by creditors and their agents. While Wren automates the dispatch of invoice Reminders, you (the Customer) remain responsible for compliance with RG 96 as the creditor. The Platform provides the following compliance controls to assist you:

• Contact hours: The Platform defaults to dispatching Reminders only during permissible contact hours (Monday to Friday, 7:30 am to 9:00 pm local time; Saturday, 9:00 am to 9:00 pm local time; no contact on Sundays or Australian public holidays). You may not configure Reminders to be dispatched outside these default windows without assuming sole responsibility for any resulting non-compliance.
• Public holidays: The Platform observes national Australian public holidays and will hold scheduled Reminders until the next permissible business day.
• Frequency caps: The Platform enforces a maximum of three Reminder contacts per calendar week per Debtor across all channels (email and SMS combined). You may configure a lower frequency but not a higher one.
• Opt-out enforcement: The Platform enforces all Debtor opt-outs automatically and permanently. Once a Debtor opts out, no further Reminders are sent to that Debtor via that Customer's account, regardless of plan settings.

You acknowledge that these controls are technical safeguards and do not constitute legal advice. If your Debtors are consumers (individuals, not businesses), you should seek independent legal advice regarding your obligations under the National Credit Code, the ACCC Debt Collection Guideline, and any applicable state-based legislation in addition to RG 96.

Debtor Opt-Out and Cease Contact

If a Debtor requests that you cease contact (whether by replying STOP to an SMS, using the email opt-out link, or notifying you directly), you must:

• Record the opt-out in the Wren Platform if not already automatically recorded.
• Not attempt to re-add the Debtor to active reminder sequences or circumvent the opt-out record in any way.
• Pursue any outstanding debt through other means that comply with applicable Australian law (including civil debt recovery if necessary), rather than through repeated automated contact.

Opt-out records are retained indefinitely in the Platform, including after account cancellation, to prevent inadvertent re-contact. You indemnify us against any claim by a Debtor arising from your failure to honour an opt-out.

Acceptable Use

You agree to use Wren in a lawful and responsible manner. Specifically, you must not:

• Use the Service for any illegal, fraudulent, or deceptive purpose.
• Send Reminders to individuals who have not transacted with your business or in relation to invoices that are not genuine.
• Use the reminder system to harass, threaten, intimidate, or coerce any Debtor.
• Send Reminders to any Debtor who has opted out or requested that contact cease.
• Configure Reminders to be sent outside permissible contact hours under ASIC RG 96.
• Use the Platform in relation to debts that are statute-barred, disputed in good faith, or subject to a payment arrangement, without disclosing that status to us.
• Attempt to access, modify, or interfere with another Customer's account or data.
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service.
• Copy, reproduce, or create derivative works based on the Service or its design.
• Introduce malware, viruses, or harmful code into the Platform.
• Use automated tools (bots, scrapers, crawlers) to access the Service except through our documented API.

We reserve the right to suspend or terminate accounts that violate these acceptable use terms, with or without prior notice depending on the severity of the violation.

Your Data

You retain full ownership of all Your Data. By using the Service, you grant us a limited, non-exclusive, revocable licence to use, process, and store Your Data solely for the purpose of providing and improving the Service. We will not use Your Data for any other purpose without your explicit consent.

Data controller and processor relationship: In relation to Debtor personal information, you are the data controller and we are a data processor acting on your instructions. You are responsible for ensuring you have a lawful basis to collect and share Debtor information with us, and for the accuracy of that information. We process Debtor data only in accordance with your instructions and our Privacy Policy.

Data portability: You may export your invoice and reminder data in CSV format at any time using the data export feature in your account settings. We will also provide a full data extract on request within 14 days of receiving a written request to [email protected].

For complete details on how we collect, use, and protect personal information, please refer to our Privacy Policy.

Indemnification

You agree to indemnify, defend, and hold harmless 2102 Pty Ltd (ABN 91 391 518 847) trading as Wren and its directors, officers, employees, and agents from and against any claim, liability, loss, damage, cost, or expense (including reasonable legal fees) arising out of or in connection with:

• Your misuse of the Service or breach of these Terms.
• Your failure to comply with applicable law, including ASIC RG 96, the Spam Act 2003, the Privacy Act 1988, or the Australian Consumer Law.
• Debtor personal information you provided to the Platform being inaccurate, unlawfully obtained, or provided without a lawful basis.
• Any dispute between you and a Debtor regarding the underlying commercial transaction, the debt, or the content of a Reminder.
• Your failure to honour a Debtor opt-out or cease-contact request.

Limitation of Liability

To the maximum extent permitted by law, the Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Service will be uninterrupted, error-free, or completely secure.
• Any defects will be corrected within a specific timeframe.
• Automated Reminders will result in payment by your Debtors.
• The Service will be compatible with all third-party software or systems.
• Any Accounting Platform (including Xero, or planned future integrations when available) will remain available, maintain their API, or continue to operate in a manner compatible with the Platform. We are not responsible for disruption to integrations caused by third-party platform changes, outages, or API deprecations.

To the maximum extent permitted by applicable law, 2102 Pty Ltd (ABN 91 391 518 847) trading as Wren, its directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities, arising out of or in connection with your use of the Service.

Our total aggregate liability to you for any and all claims arising out of or relating to these Terms or the Service is limited to the total amount you paid to us in the 12 months immediately preceding the event giving rise to the claim.

Australian Consumer Law

Nothing in these Terms is intended to exclude, restrict, or modify any rights or remedies you may have under the Competition and Consumer Act 2010 (Cth), Schedule 2 (Australian Consumer Law), or any other applicable Australian consumer protection legislation that cannot be excluded by agreement.

If the Australian Consumer Law implies conditions, warranties, or guarantees into these Terms that cannot be excluded ("Non-Excludable Guarantees"), our liability for breach of any Non-Excludable Guarantee is limited, at our option, to:

• Re-supplying the Service; or
• Paying the cost of having the Service re-supplied.

Uptime and Service Availability

We operate the Platform with reasonable care and skill and aim to maintain high availability. However, we do not guarantee any specific uptime percentage and do not provide a formal Service Level Agreement (SLA).

Scheduled maintenance will be announced in advance where practicable. Unplanned outages will be communicated as soon as we become aware of them.

If the Platform experiences a continuous fault that prevents you from using the core reminder service for more than 5 consecutive business days, you may cancel your subscription effective immediately and receive a pro-rated refund for any unused days in your current billing period. To exercise this right, contact us at [email protected] within 14 days of the fault commencing.

Termination

You may cancel your Wren account at any time through your account settings or by contacting us at [email protected].

• Monthly subscriptions: Cancellation takes effect at the end of the current billing period. No further charges will be made.
• Annual subscriptions: Cancellation takes effect at the end of the current annual term, unless you are within the 30-day money-back period or are exercising the 5-day fault cancellation right above.

We may suspend or terminate your account if you materially breach these Terms, including but not limited to violations of the acceptable use policy, non-payment of fees, or fraudulent activity. Where practicable, we will provide 14 days notice before termination, except in cases of severe or illegal misuse.

Data after termination: Following account cancellation or termination, your data will be accessible for export for 30 days. After that 30-day export window, your data is retained securely in our systems for a further period in accordance with our Privacy Policy (12 months total from the date of account closure), then permanently and irreversibly deleted. You may request immediate deletion at any time by emailing [email protected], subject to our legal retention obligations. Debtor opt-out records are retained indefinitely even after deletion of all other account data.

Intellectual Property

The Service, including its design, code, branding, documentation, and all related intellectual property, is owned by 2102 Pty Ltd (ABN 91 391 518 847) trading as Wren and is protected by Australian and international copyright, trademark, and other intellectual property laws.

Nothing in these Terms grants you any right, title, or interest in our intellectual property except for the limited right to use the Service in accordance with these Terms.

Dispute Resolution

We aim to resolve any disputes quickly and fairly. The following process applies to any dispute arising out of or in connection with these Terms or the Service:

1. Direct negotiation (30 days): Either party may raise a dispute by providing written notice to the other party describing the issue in reasonable detail. Both parties agree to negotiate in good faith to resolve the dispute within 30 days of that notice.
2. Mediation: If the dispute is not resolved through direct negotiation, either party may refer the matter to mediation administered by the Resolution Institute (resolutioninstitute.org.au). The costs of mediation will be shared equally unless the mediator orders otherwise. Mediation is a condition precedent to commencing court proceedings.
3. Courts: If mediation fails to resolve the dispute within 60 days of commencement (or such other period as the parties agree), either party may commence proceedings in the courts of New South Wales, Australia.

This clause does not prevent either party from seeking urgent interlocutory or injunctive relief where necessary to protect their interests.

Changes to Terms

We may revise these Terms from time to time. When we make material changes, we will notify you via email at the address associated with your account at least 30 days before the changes take effect.

Your continued use of Wren after the revised Terms take effect constitutes your acceptance of the updated Terms. If you do not agree with any changes, you may cancel your account before the new Terms come into force.

Non-material changes (such as corrections to typographical errors or clarifications that do not affect your rights) may be made without prior notice.

Governing Law

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. Subject to the Dispute Resolution clause above, any proceedings arising out of or in connection with these Terms or the Service will be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

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

Contact

If you have any questions about these Terms of Service, please contact us: