SYDNEY EXPRESS – TERMS & CONDITIONS

Finance Systems Australia Pty Ltd | ABN: 39 654 030 332 | ACN: 654 030 332 | Effective Date: 14/11/2026 | Version 1.0

1. Parties & Acceptance of Terms

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.

1.1 Acceptance

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 a plan or advertising, 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.

1.2 Capacity to Contract

By using the Platform, you confirm that you are at least 18 years of age, or that you are at least 15 years of age and have a parent or legal guardian’s permission to use the Platform. Users under 15 must not create an account or post Content. You must be 18 or over to buy a Paid Plan or advertising, or to submit or claim a listing. If you use the Platform on behalf of a business, you confirm that you are authorised to accept these Terms for that business.

1.3 Changes to These Terms

We may amend these Terms from time to time. We will notify registered users of material changes via email and/or a prominent notice on the Website. Amended Terms take effect 30 days after we notify you, or immediately for new users and for changes required by law. If a change is to your detriment and you have a Paid Plan, you may cancel before the change takes effect and we will refund any amount you have prepaid for the period after the change. Your continued use of the Website or Services after that date constitutes acceptance of the amended Terms.

2. Definitions

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, advertising placement or other paid service purchased through the Website;
• “Platform” means the Website and all related digital infrastructure operated by us;
• “Services” means all services provided by us through the Platform, including directory listings, paid plans and advertising;
• “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.

3. Description of Services

3.1 Directory Services

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 sources;
• Listed businesses to buy paid plans and advertising placements (Spotlight, Top of Search and Sidebar ads); and
• Visitors to find Sydney experiences, products and events offered by third-party providers through our Express Experiences, Express Essentials and Express Events pages (see clause 11).

3.2 Service Availability

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. Subject to clause 12.4, we are not liable for loss arising from Platform unavailability that is caused by circumstances outside our reasonable control.

3.3 Service Modifications

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.

3.4 Third-Party Integrations

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.

4. User Accounts

4.1 Account Registration

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.

4.2 Account Security

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 support@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.

4.3 Account Suspension & Termination

We may suspend or terminate your account 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 and has no active Paid Plan;
• We receive a valid legal request to do so; or
• We discontinue the relevant Service.

Where reasonably practicable, we will give you notice and a chance to fix the problem before we act. If we terminate your account for a reason other than your breach of these Terms or unlawful conduct, we will refund any fees you have prepaid for the unused period.

You may close your account at any time by contacting us at support@sydneyexpress.com.au. Closure of your account does not entitle you to a refund of any prepaid fees except where required by the ACL or set out above. Upon account closure, we will handle your data in accordance with our Privacy Policy.

5. Business Listings

5.1 Free Listings

We offer a free listing option that allows business owners to create a standard profile on the Platform. Free listings are subject to our editorial standards and have fewer features than paid plans. We reserve the right to modify or discontinue the free listing tier with reasonable notice.

5.2 Claiming a Listing

Some listings on our Platform have been pre-populated from publicly available sources. 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.

Claiming a listing is free. If you choose a paid plan when you claim, nothing is charged until we approve your claim. We then email you a payment link, and the listing moves into your account once it is paid.

5.3 Listing Content Standards

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.

5.4 Our Right to Edit or Remove Listings

We may:

• 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.

5.5 Accuracy of Listings

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.

5.6 Business Owner Responsibilities

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.

6. Reviews, Ratings & User-Generated Content

6.1 Posting Reviews

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.

6.2 Prohibited Review Conduct

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.

6.3 Licence to Use Your Content

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 licence to use, reproduce, adapt (for formatting and display), publish and display that Content on the Platform and to promote the Platform. The licence lasts for as long as the Content is on the Platform, plus a reasonable period afterwards to remove it from backups and caches. We will ask you before using photos of your business in paid advertising for Sydney Express.

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.

6.4 Removal of Content

We may remove any Content that violates these Terms or our community standards. Business Owners may flag reviews for investigation by contacting support@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.

6.5 Complaints About Content (including defamation)

If you believe Content on the Platform (including a review, a review response or a listing) is defamatory, unlawful or infringes your rights, email support@sydneyexpress.com.au with the subject line “Content Complaint”. Please include the web address of the Content, what you say is wrong with it, and your contact details.

We will acknowledge your complaint and, within 7 days of receiving it, review the Content and, where appropriate, remove it, hide it or restrict access to it while we look into the matter. We may contact the person who posted it and ask for their response.

7. Paid Plans, Fees & Payments

7.1 Available Paid Plans

We offer paid plans (Standard and Premium, billed monthly or yearly) and advertising placements, as described on our pricing page at sydneyexpress.com.au/pricing-plan and in our Subscription Terms. Pricing is displayed in Australian Dollars (AUD) inclusive of GST. Advertising placements are charged per day, for the number of days you choose, at the price shown when you book.

7.2 Payment Terms

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; and
• Authorise us (or our payment processor) to charge your nominated payment method for the applicable fees.

We do not charge you for a Paid Plan until we have approved your listing or claim.

All payments are processed by a PCI-DSS compliant third-party payment processor. We do not store your full card details on our servers.

7.3 Subscription Plans & Auto-Renewal

Where a Paid Plan is a recurring subscription (monthly or yearly), it renews automatically at the end of each billing period until you cancel. You can cancel at any time from your dashboard and you will not be charged again. Before a yearly plan renews, we email you a reminder. Every payment comes with a tax invoice by email. Full details are in our Subscription Terms.

7.4 GST

All prices displayed on the Platform are inclusive of Goods and Services Tax (GST) at the current rate of 10%, and nothing is added at checkout. Tax invoices are issued by email for every payment. Finance Systems Australia Pty Ltd is registered for GST.

7.5 Refunds & Cancellations

Refunds and cancellations for subscription plans are governed by our Subscription Terms and our Refund & 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.

7.6 Overdue Payments

If any payment is overdue, we may 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.

7.7 Price Changes

We may 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.

8. Advertising Services

8.1 Advertising Standards

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 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 may reject or remove advertising that does not meet these standards, and we will tell you why. If the problem can be fixed, we will give you a reasonable chance to fix it first. If we remove a running campaign, we will refund the unused days unless the advertising was unlawful or seriously misleading.

8.2 Advertiser Responsibilities

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 claims arising from your advertising content (see clause 13).

8.3 Performance & Metrics

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.

9. Intellectual Property

9.1 Our Intellectual Property

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.

9.2 Your Content

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.

9.3 Trade Marks

“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.

9.4 Copyright Complaints

If you believe that Content on the Platform infringes your copyright, please notify us at support@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.

10. Prohibited Conduct

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 may investigate and take appropriate action against any violation of this clause, including account suspension, removal of Content, and referral to law enforcement authorities.

11. Third-Party Experiences, Products & Events

Our Express Experiences, Express Essentials and Express Events pages show experiences, products and events supplied by third parties. When you book or buy through some of these links, we may earn a commission at no extra cost to you. The supplier, not Sydney Express, sells to you, sets the price and is responsible for delivery, refunds and customer service. Prices, discounts and availability on our pages come from the supplier’s information and may have changed. The price and terms shown on the supplier’s website when you book or buy are the ones that apply. See our Affiliate & Earnings Disclaimer for more.

12. Disclaimers & Limitation of Liability

12.1 Platform Provided “As Is”

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.

12.2 No Endorsement of Listed Businesses

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.

12.3 Limitation of Liability

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.

12.4 Australian Consumer Law

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.

12.5 Force Majeure

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.

13. Indemnity

You indemnify Finance Systems Australia Pty Ltd, its directors, officers, employees, contractors and agents against claims, losses, liabilities and costs (including reasonable legal costs) to the extent they arise from:

• Your Content or advertising, including any claim that it infringes the rights of a third party or is misleading;
• Your breach of these Terms; or
• Your breach of any law.

Your liability under this indemnity is reduced to the extent that the loss was caused or contributed to by our negligence, breach of these Terms or wrongful act. This indemnity survives termination of these Terms.

14. Third-Party Links & Services

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, except where the ACL provides otherwise; 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. Clause 11 explains how our Express Experiences, Express Essentials and Express Events pages work.

15. Privacy

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.

16. Dispute Resolution

16.1 Internal Resolution

If you have a complaint or dispute arising from your use of the Platform or these Terms, please contact us first at support@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.

16.2 Mediation

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.

16.3 Litigation

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.

16.4 ACCC & Fair Trading

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.

17. Governing Law & Jurisdiction

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.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, Listing Policy, Subscription Terms, Refund & Cancellation Policy and Affiliate & Earnings Disclaimer, 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, except to the extent the ACL provides otherwise.

18.2 Waiver

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.

18.3 Assignment

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.

18.4 Relationship of Parties

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.

19. Contact Us

For any questions, legal notices, or complaints relating to these Terms & Conditions:

Email: support@sydneyexpress.com.au | Phone: (02) 8970 9557 | Post: Finance Systems Australia Pty Ltd, Shops 6 & 7, 89–91 Victoria Road, Drummoyne NSW 2047 | Help: sydneyexpress.com.au/customer-help-centre

Finance Systems Australia Pty Ltd | Sydney Express Business Directory | sydneyexpress.com.au