Finance Systems Australia Pty Ltd | ABN: 39 654 030 332 | ACN: 654 030 332 | Effective Date: 28/05/2026 | Version 1.2
These Terms & Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “you”, or “your”) and Finance Systems Australia Pty Ltd (ABN: 39 654 030 332; ACN: 654 030 332) (“we”, “us”, “our”, or “the Company”), the operator of the Sydney Express Business Directory available at sydneyexpress.com.au (“Website”) and associated digital services (“Services”).
Our registered business name “Sydney Express” is registered with the Australian Securities and Investments Commission (ASIC). Our principal place of business is Shops 6 & 7, 89–91 Victoria Road, Drummoyne NSW 2047, New South Wales, Australia.
By accessing or using the Website or any of our Services — including browsing the directory, creating an account, submitting or claiming a business listing, purchasing an advertising plan, posting a review, or contacting us through any channel — you agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must immediately cease using the Website and our Services.
You are at least 18 years of age, or if you are under 18 and at least 15 years of age, you have obtained consent from a parent or legal guardian who agrees to be bound by these Terms on your behalf;
We reserve the right to amend these Terms at any time. We will notify registered users of material changes via email and/or a prominent notice on the Website. The amended Terms will take effect 14 days after notification, or immediately for new users. Your continued use of the Website or Services after that date constitutes acceptance of the amended Terms. It is your responsibility to review these Terms periodically.
In these Terms, the following definitions apply:
– “ACL” means the Australian Consumer Law as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth);
– “Business Owner” means a person or entity that submits, claims, or manages a business listing on the Website;
– “Consumer” means a person who uses the Website to search for, browse, or interact with business listings without submitting their own listing;
– “Content” means any text, images, photos, videos, audio, data, reviews, ratings, business information, or other material submitted to or displayed on the Website;
– “Intellectual Property” means all copyright, trademarks, patents, designs, trade secrets, and other intellectual property rights;
– “Listing” means a business profile page on the Website, whether free or paid;
– “Paid Plan” means any subscription, featured listing, advertising package, or promotional service purchased through the Website;
– “Platform” means the Website, any associated mobile applications, and all related digital infrastructure operated by us;
– “Services” means all services provided by us through the Platform, including directory listings, advertising, digital marketing, and SMS campaigns;
– “User” means any person who accesses or uses the Platform in any capacity, including Consumers and Business Owners; and
– “Working Day” means a day that is not a Saturday, Sunday, or public holiday in New South Wales, Australia.
Sydney Express operates a digital business directory focused on Sydney, New South Wales, Australia. Our directory enables:
– Consumers to search for, discover, and contact local businesses across a range of categories;
– Business Owners to list their business, manage their profile, receive reviews, and be discovered by potential customers;
– Businesses to claim existing listings that may have been pre-populated from public data sources; and
– Advertising clients to purchase featured placements, sponsored listings, banner advertising, video digital displays, and digital SMS campaigns.
We endeavour to make the Platform available 24 hours a day, 7 days a week, however we do not guarantee uninterrupted availability. The Platform may be temporarily unavailable due to scheduled maintenance, emergency repairs, third-party service failures, or circumstances beyond our control. We will use reasonable endeavours to provide advance notice of scheduled downtime. We are not liable for any loss arising from Platform unavailability.
We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time with reasonable notice. If we discontinue a paid service for which you have prepaid, we will provide a pro-rata refund for the unused portion.
Our Platform integrates with third-party services including Google Maps, payment processors, social media platforms, and analytics providers. Your use of those integrations is subject to the applicable third-party terms of service. We are not responsible for the availability, accuracy, or conduct of any third-party service.
To access certain features of the Platform (including submitting or managing a listing), you must create an account. When registering, you agree to provide accurate, current, and complete information and to keep your account information updated. You must not register using a false identity or impersonate any person or entity.
You are solely responsible for maintaining the confidentiality of your account credentials (username and password) and for all activities that occur under your account. You must:
– Choose a strong, unique password and not share it with any third party;
– Notify us immediately at admin@sydneyexpress.com.au if you become aware of any unauthorised use of your account or any security breach; and
– Log out of your account at the end of each session, particularly when using shared devices.
We are not liable for any loss or damage arising from your failure to maintain account security, or from unauthorised access to your account that results from your own conduct.
We reserve the right to suspend or terminate your account at any time, with or without notice, if:
– You breach any provision of these Terms;
– We reasonably suspect fraudulent, abusive, or illegal activity associated with your account;
– Your account has been inactive for more than 24 consecutive months;
– We receive a valid legal request to do so; or
– We discontinue the relevant Service.
You may close your account at any time by contacting us at admin@sydneyexpress.com.au. Closure of your account does not entitle you to a refund of any prepaid fees except where required by the ACL. Upon account closure, we will handle your data in accordance with our Privacy Policy.
We offer a basic free listing option that allows business owners to create a standard profile on the Platform. Free listings are subject to availability, our editorial standards, and may have limited features compared to paid plans. We reserve the right to modify or discontinue the free listing tier at any time.
Some listings on our Platform may have been pre-populated from publicly available data sources (including the Australian Business Register, Google, and other directories). If you are the owner or authorised representative of a business appearing in such a listing, you may claim it by following our verification process. By claiming a listing you:
– Confirm that you are the owner or an authorised representative of that business;
– Accept responsibility for the accuracy and completeness of the listing content; and
– Agree to these Terms in full.
All listing content must comply with the following standards. You must not submit content that:
– Is false, misleading, or deceptive in any material respect, in contravention of the ACL;
– Infringes the intellectual property rights of any third party, including unauthorised use of trademarks, logos, or copyrighted images;
– Contains defamatory, obscene, offensive, harassing, or discriminatory material;
– Advertises products or services that are illegal under Australian law;
– Includes spam, malware, phishing content, or unsolicited commercial communications;
– Impersonates another business, person, or entity;
– Contains personal information about third parties without their consent; or
– Violates any applicable law, regulation, or industry code.
We reserve the right, in our absolute discretion, to:
– Edit, modify, or correct any listing content for accuracy, formatting, or compliance with our standards;
– Remove or suspend any listing that violates these Terms, our Listing Policy, or applicable law;
– Remove any listing in response to a valid legal request or complaint from a third party; and
– Re-categorise any listing to ensure accurate directory organisation.
Where practicable, we will notify you before removing your listing and give you an opportunity to remedy the issue. However, we may remove a listing immediately where we determine that it poses a risk of harm to users or third parties, or where we are required to do so by law.
While we take reasonable steps to maintain the accuracy of listings, we do not guarantee the accuracy, completeness, or currency of any listing content. Sydney Express is a directory service only, we are not endorsing, recommending, or verifying any listed business. Users should conduct their own due diligence before engaging any listed business.
As a Business Owner, you are solely responsible for:
– Ensuring your listing content is and remains accurate, up to date, and compliant with these Terms;
– Holding all licences, registrations, and insurance required to operate your business under Australian law;
– Complying with all applicable laws and industry codes in the conduct of your business; and
– Responding appropriately to consumer enquiries and reviews generated through your listing.
Registered users may post reviews and ratings of listed businesses. By posting a review, you confirm that:
– The review reflects your genuine, first-hand experience with the business;
– You have not been offered or received any incentive (monetary or otherwise) in exchange for posting a positive review;
– The review does not contain false or misleading information;
– You are not a current or former employee, owner, or close associate of the business being reviewed, unless you clearly disclose this; and
– The review complies with our content standards set out in clause 5.3 above.
The following conduct in connection with reviews is strictly prohibited:
– Posting fake reviews (positive or negative) for any business;
– Business owners or their associates posting reviews of their own business;
– Businesses soliciting fake negative reviews of competitors;
– Offering or accepting payment or incentives in exchange for reviews; and
– Attempting to manipulate your business’s overall rating through any means.
Fake review conduct may constitute misleading and deceptive conduct under the ACL and may be referred to the Australian Competition and Consumer Commission (ACCC). We cooperate fully with ACCC investigations.
By submitting any Content to the Platform (including reviews, photos, listing information, or comments), you grant Finance Systems Australia Pty Ltd a non-exclusive, royalty-free, worldwide, perpetual licence to use, reproduce, modify, adapt, publish, translate, distribute, and display that Content in connection with the operation and promotion of the Platform, including in marketing materials, social media, and partner communications.
You retain ownership of your Content and this licence does not affect your ownership rights. You represent and warrant that you own or have the necessary rights to grant this licence, and that the Content does not infringe any third-party rights.
We reserve the right to remove any Content that violates these Terms or our community standards. Business Owners may flag reviews for investigation by contacting admin@sydneyexpress.com.au. We will investigate flagged reviews and remove those that are found to violate our standards, but we are not obligated to remove reviews solely because they are negative or unflattering.
We offer a range of paid plans and advertising services including featured listings, Business Growth Services, banner advertising, and other promotional services as described on our pricing page at sydneyexpress.com.au/pricing-plan. Pricing is displayed in Australian Dollars (AUD) inclusive of GST where applicable.
By purchasing a Paid Plan, you agree to:
– Pay all fees associated with your selected plan at the time of purchase or as otherwise specified at checkout;
– Provide accurate and current billing information including a valid payment method;
– Authorise us (or our payment processor) to charge your nominated payment method for the applicable fees; and
– Pay any additional charges that arise from your use of the Services beyond your plan’s inclusions.
All payments are processed by a PCI-DSS compliant third-party payment processor. We do not store your full card details on our servers.
Where a Paid Plan is structured as a recurring subscription, it will automatically renew at the end of each billing period unless you cancel prior to the renewal date. We will send you a renewal reminder at least 7 days before the renewal date. You authorise us to charge your nominated payment method for each renewal. To cancel a subscription, contact us at admin@sydneyexpress.com.au or manage your subscription via your account settings.
All prices displayed on the Platform are inclusive of Goods and Services Tax (GST) at the current rate of 10% where applicable. Tax invoices will be issued upon request or automatically where required. Finance Systems Australia Pty Ltd is registered for GST.
Refunds and cancellations for subscription plans are governed by our Subscription Terms and our Refund and Cancellation Policy, both available on the Website. In the event of any inconsistency between this clause and those documents in relation to a paid subscription, those documents prevail.
Nothing in this clause limits your rights under the ACL, including any rights to a remedy for services that are not of acceptable quality or not fit for purpose.
If any payment is overdue, we reserve the right to suspend or downgrade your listing or Paid Plan until the outstanding amount is paid in full. We may charge interest on overdue amounts at the rate of 10% per annum calculated daily from the due date until the date of payment.
We reserve the right to change our pricing at any time. For existing subscribers, price changes will take effect at the next renewal date following 30 days written notice. Continued use of the Service after the price change takes effect constitutes acceptance of the new price.
All advertising content submitted by clients for display on the Platform must comply with:
– The Australian Association of National Advertisers (AANA) Code of Ethics;
– The Interactive Advertising Bureau (IAB) Australia guidelines;
– The ACL (particularly prohibitions on misleading and deceptive conduct);
– The Therapeutic Goods Advertising Code (where applicable);
– All applicable Australian law and industry codes; and
– Our internal advertising standards, available upon request.
We reserve the right to reject, remove, or modify any advertising content that does not comply with the above standards, at our sole discretion and without refund, unless the non-compliance is solely due to our error.
As an advertising client, you are solely responsible for:
– Ensuring that all advertising content is accurate, truthful, and not misleading;
– Holding all necessary approvals, licences, and clearances for the advertised products or services;
– Complying with all applicable laws governing the advertised products or services;
– Ensuring that any claims made in advertising are substantiated and can be evidenced; and
– Indemnifying us against any claims arising from your advertising content (see clause 12).
Advertising performance metrics (impressions, clicks, reach) provided by us are estimates based on our analytics tools and are provided in good faith. We do not guarantee specific advertising performance outcomes, traffic volumes, or conversion rates. Reported metrics may differ from metrics reported by third-party analytics tools due to differences in measurement methodology.
All Intellectual Property in the Platform — including the Sydney Express name, logo, branding, website design, layout, graphics, software, code, database structure, and all original content — is owned by or licensed to Finance Systems Australia Pty Ltd. All rights are reserved.
You must not, without our prior written consent:
– Copy, reproduce, republish, upload, post, transmit, or distribute any part of our Platform or content;
– Modify, adapt, translate, or create derivative works from our content;
– Use our name, logo, or branding in any manner that could cause confusion or imply an association with your business;
– Reverse engineer, decompile, or disassemble any software forming part of the Platform; or
– Use any data mining, scraping, crawling, or automated extraction tools on the Platform without our express written permission.
You retain ownership of Content you submit to the Platform. By submitting Content, you grant us the licence described in clause 6.3. You represent and warrant that your Content does not infringe the Intellectual Property rights of any third party.
“Sydney Express” and associated logos are trade marks of Finance Systems Australia Pty Ltd (whether registered or unregistered). Other trade marks appearing on the Platform belong to their respective owners. Nothing in these Terms grants you any right to use any trade mark without the owner’s written consent.
If you believe that Content on the Platform infringes your copyright, please notify us at admin@sydneyexpress.com.au with the subject line “Copyright Complaint” and include: a description of the copyrighted work, the URL of the allegedly infringing content, your contact details, and a statement that your claim is made in good faith. We will investigate and respond within 10 Working Days.
In addition to the specific prohibitions set out elsewhere in these Terms, you must not use the Platform to:
– Engage in any unlawful activity, including fraud, money laundering, or conduct in breach of Australian law;
– Harass, intimidate, threaten, or abuse any other user, business, or our staff;
– Interfere with or disrupt the Platform’s infrastructure, servers, or networks;
– Attempt to gain unauthorised access to any part of the Platform or any other user’s account;
– Introduce viruses, malware, ransomware, or any other harmful code;
– Use the Platform to send spam or unsolicited commercial communications;
– Systematically harvest or extract data from the Platform without our written permission;
– Create multiple accounts for the purpose of manipulating reviews, ratings, or listings;
– Use automated bots or scripts to interact with the Platform in a manner that places unreasonable load on our infrastructure; or
– Facilitate or assist any third party in doing any of the above.
We reserve the right to investigate and take appropriate action against any violation of this clause, including account suspension, removal of Content, and referral to law enforcement authorities.
The Platform and all Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we make no warranties or representations of any kind, express or implied, regarding the Platform or any Content, including any warranty of merchantability, fitness for a particular purpose, non-infringement, or accuracy.
Sydney Express is a directory platform. The inclusion of a business in our directory does not constitute an endorsement, recommendation, verification, or approval of that business by Finance Systems Australia Pty Ltd. We are not responsible for:
– The quality, safety, legality, or reliability of any product or service offered by a listed business;
– Any transaction, contract, or dispute between a user and a listed business;
– The accuracy or completeness of any listing content submitted by a business owner; or
– Any harm, loss, or damage resulting from your engagement with a listed business.
To the maximum extent permitted by applicable law (including the ACL), our total aggregate liability to you for any claim arising out of or in connection with these Terms, the Platform, or the Services — whether in contract, tort (including negligence), statute, or otherwise — is limited to the greater of:
– The total fees paid by you to us in the 12 months immediately preceding the event giving rise to the claim; or
– AUD $500.
Nothing in these Terms excludes, restricts, or modifies any right or guarantee you have under the ACL that cannot lawfully be excluded, restricted, or modified. If the ACL applies to a supply of goods or services under these Terms, our liability for a failure to comply with a consumer guarantee is limited, to the extent permitted, to supplying the services again or paying the cost of having the services supplied again.
We are not liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, government action, power outages, internet service provider failures, or third-party platform outages. We will use reasonable endeavours to minimise the impact of such events and resume normal service as soon as practicable.
You agree to indemnify, defend, and hold harmless Finance Systems Australia Pty Ltd, its directors, officers, employees, contractors, and agents from and against any and all claims, actions, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
– Your use of the Platform or Services;
– Your Content, including any claim that your Content infringes the rights of a third party;
– Your breach of any provision of these Terms;
– Your violation of any applicable law or regulation;
– Any advertising content you submit that is misleading, inaccurate, or in breach of applicable standards; or
– Any dispute between you and any other user or listed business.
This indemnity obligation will survive termination or expiry of these Terms and your cessation of use of the Platform.
The Platform contains links to third-party websites and integrates with third-party services (including Google Maps, payment processors, and social media platforms). These third-party services are not under our control and we:
– Do not endorse or make any representation regarding any third-party website or service;
– Are not responsible for the content, privacy practices, or conduct of any third party;
– Have no liability for any loss or damage arising from your use of or reliance on any third-party service; and
– Encourage you to read the terms and privacy policies of any third-party service you use.
Your use of third-party services is at your own risk and governed by the applicable third-party terms.
Our collection, use, and disclosure of personal information is governed by our Privacy Policy, available at sydneyexpress.com.au/privacy-policy. The Privacy Policy forms part of these Terms and is incorporated by reference. By accepting these Terms, you also accept our Privacy Policy.
If you have a complaint or dispute arising from your use of the Platform or these Terms, please contact us first at admin@sydneyexpress.com.au with a detailed description of the issue. We will acknowledge your complaint within 5 Working Days and endeavour to resolve it within 20 Working Days.
If your complaint is not resolved through our internal process, either party may request mediation by a mediator agreed upon by both parties, or appointed by the Resolution Institute (www.resolution.institute). The costs of mediation will be shared equally unless the mediator determines otherwise. Mediation is a confidential process and without prejudice to either party’s legal rights.
If a dispute is not resolved through mediation within 30 days of mediation commencing (or such longer period as the parties agree), either party may pursue the matter through the courts. Nothing in this clause prevents either party from seeking urgent injunctive or declaratory relief from a court of competent jurisdiction.
Nothing in these Terms prevents you from lodging a complaint with the Australian Competition and Consumer Commission (ACCC) at www.accc.gov.au or NSW Fair Trading at www.fairtrading.nsw.gov.au.
These Terms are governed by the laws of New South Wales, Australia. You irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and the Federal Court of Australia in respect of any dispute arising out of or in connection with these Terms.
If any provision of these Terms is found by a court to be invalid, unenforceable, or illegal, that provision will be severed from the Terms and the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy, Cookie Policy, Listing Policy, and any other policies published on the Website, constitute the entire agreement between you and Finance Systems Australia Pty Ltd with respect to your use of the Platform and supersede all prior agreements, representations, and understandings.
Our failure to enforce any provision of these Terms on any occasion does not constitute a waiver of our right to enforce that provision on a future occasion or to enforce any other provision.
You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to a related entity or successor in connection with a merger, acquisition, or sale of assets, with 30 days notice to you.
Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Finance Systems Australia Pty Ltd. You have no authority to bind us to any obligation.
For any questions, legal notices, or complaints relating to these Terms & Conditions:
Email: admin@sydneyexpress.com.au Phone: (02) 8970 9557 Post: Finance Systems Australia Pty Ltd, Shops 6 & 7, 89–91 Victoria Road, Drummoyne NSW 2047 Website: sydneyexpress.com.au/contact-us
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