Terms of Service

These Terms of Service (Terms) form a binding agreement between you and Auravest Pty Ltd (ACN [insert]) (Auravest, we, us, our) governing your access to and use of the Auravest website at auravest.ai, our applications, APIs, and related services (collectively, the Service).

By creating an account, clicking "I agree", paying for a subscription, or otherwise using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you must not use the Service.

1. About these Terms

These Terms apply in addition to any plan-specific terms presented at the time of purchase. Where there is a conflict between these Terms and plan-specific terms, the plan-specific terms prevail for that subject matter.

2. Who we are

Auravest is operated by Auravest Pty Ltd, an Australian proprietary company with its registered office at 61 Lavender Street, Milsons Point, NSW 2061, Australia. You can reach us at [email protected].

3. Eligibility and your account

To use the Service you must:

• Be at least 18 years old (or the age of majority in your jurisdiction, whichever is higher);
• Have legal capacity to enter into this agreement; and
• Not be barred from using the Service under applicable laws.

You agree to:

• Provide accurate and current registration details (name, email, country of tax residency);
• Keep your login credentials secret and not share your account with anyone;
• Notify us promptly at [email protected] if you believe your account has been compromised; and
• Take responsibility for all activity that occurs under your account.

4. What Auravest provides

Auravest is a software platform designed to help Australian users record, aggregate, analyse, and visualise their personal financial position — including bank accounts, property, superannuation, equities, crypto, liabilities, income sources, transactions, financial goals, and related data. The Service may include budgeting tools, scenario simulations, and an AI-assisted chat interface.

Auravest is a read-only tracking tool. We do not hold, transmit, or transact your money. We cannot make payments, move funds, trade securities, or otherwise initiate transactions on your behalf.

5. No financial advice

Auravest does not hold an Australian Financial Services Licence (AFSL). The Service, including all dashboards, calculators, simulations, projections, summaries, AI responses, and content, is provided for general information and educational purposes only.

Nothing in the Service constitutes financial product advice, personal advice, tax advice, accounting advice, legal advice, credit assistance, or a recommendation to acquire, hold, vary, or dispose of any financial product. We do not consider your personal objectives, financial situation, or needs. Before acting on any information in the Service, you should consider whether the information is appropriate having regard to your own circumstances, and you should obtain independent professional advice from an appropriately licensed Australian financial adviser, tax agent, or solicitor.

Past performance is not indicative of future results. Projections, simulations (including Monte Carlo runs and mortgage models), and AI-generated summaries are illustrative only and not guarantees.

6. Connected accounts and third-party data

You may choose to connect external services such as Up Bank, accounting systems, or import statements. When you do so:

• You authorise us to fetch read-only data from those services on your behalf, using credentials, tokens, or files you provide;
• You confirm that you have the right to share that data with us;
• The accuracy, completeness, timeliness, and availability of third-party data is the responsibility of the third-party provider. We do not warrant or take responsibility for it; and
• The third party's terms and privacy policy continue to apply to its handling of your data — we recommend you review them.

You may revoke access at any time via the relevant third-party service or by removing the connection in your Auravest account.

7. AI-generated content

Parts of the Service use third-party large language models (currently Google Gemini) to generate analyses, summaries, and chat responses. AI-generated content may be inaccurate, incomplete, biased, or out of date and must not be relied upon as financial, tax, legal, or other professional advice. You are responsible for independently verifying any AI output before acting on it.

Your prompts and a summary of your financial context may be transmitted to the AI provider to generate responses. See our Privacy Policy for details. Do not submit information you do not wish to share with that provider.

8. Subscriptions, trials, and billing

Paid features are provided on a recurring subscription basis. Pricing, billing frequency, included features, and any free-trial mechanics are described at the point of purchase and on our pricing page. All prices are quoted in Australian Dollars (AUD) and are inclusive of GST where applicable.

• Free trials. Where we offer a free trial, the trial mechanics, duration, and what happens at the end of the trial are described at sign-up. We may at our discretion withdraw, modify, or limit trials.
• Payment processing. Payments are processed by Stripe. We do not store your full payment card details. By providing payment details, you authorise us (via Stripe) to charge the applicable fees on a recurring basis until you cancel.
• Renewals. Subscriptions renew automatically for successive billing periods at the then-current price unless cancelled before the renewal date.
• Cancellation. You can cancel at any time from your account settings or by contacting [email protected]. Cancellation takes effect at the end of the current billing period; you retain access until then.
• Refunds. Subscription fees are generally non-refundable for partial periods, except where required by law (including under the Australian Consumer Law — see section 14).
• Failed payments. If a payment fails, we may retry, downgrade your account to a free tier, or suspend access until payment is made. You remain liable for the unpaid amount.
• Price changes.We may change subscription prices on at least 30 days' written notice sent to your registered email address. Changes take effect on your next renewal.

9. Acceptable use

You agree not to, and not to permit anyone else to:

• Use the Service to violate any law, regulation, or third-party right (including IP and privacy rights);
• Reverse engineer, decompile, scrape, or attempt to access the source code of the Service except as expressly permitted by law;
• Probe, scan, or test the vulnerability of the Service, or breach any security or authentication measures;
• Interfere with or disrupt the Service or the servers and networks connected to it (including via denial-of-service attacks, rate-limit evasion, or scripting);
• Use the Service to send spam, phishing, malware, or other malicious content;
• Misrepresent your identity or impersonate any other person;
• Resell, sublicense, white-label, or otherwise commercialise the Service without our prior written consent;
• Use the Service to train a competing AI model or build a competing product; or
• Submit content to the Service that you do not have the right to submit, or that is obscene, defamatory, infringing, or otherwise unlawful.

10. Intellectual property

We and our licensors own all intellectual property rights in the Service, including all software, designs, interfaces, content, trade marks, and the "Auravest" name and logo. We grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the Service for your own personal (or internal business, where you are on a business plan) purposes during your subscription.

You retain ownership of all data and content you upload to or generate within the Service (Your Content). You grant us a non-exclusive, worldwide, royalty-free licence to host, store, copy, transmit, process, display, and otherwise use Your Content solely to operate, improve, and secure the Service for you. We may also use anonymised and aggregated data derived from the Service for product analytics and statistical purposes.

11. Your data

We collect, use, and disclose personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy, which forms part of these Terms. You have the rights described in the Privacy Policy, including rights of access, correction, and deletion.

You can export your data and delete your account at any time from your account settings, subject to our legal record-keeping obligations.

12. Service availability

We aim to make the Service available 24/7, but we do not guarantee uninterrupted, error-free, or secure operation. The Service may be unavailable due to maintenance, upgrades, third-party outages (including bank APIs, payment providers, AI providers, and cloud providers), force majeure, or other events outside our reasonable control. We will give reasonable advance notice of planned maintenance windows where practical.

13. Warranties and disclaimers

Subject to section 14, the Service is provided "as is" and "as available" and we make no representations or warranties of any kind, express or implied, including (without limitation) implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, timeliness, security, or that the Service will be uninterrupted.

14. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by any legislation that cannot lawfully be excluded, restricted or modified — including the consumer guarantees under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) (ACL).

To the extent permitted by the ACL, where Auravest is liable for a breach of a consumer guarantee that cannot be excluded, our liability is limited at our option to: (a) re-supplying the relevant Service; or (b) paying the cost of having the relevant Service re-supplied.

15. Limitation of liability

To the maximum extent permitted by law, and subject to section 14:

• We are not liable for any indirect, consequential, special, incidental, exemplary, or punitive loss or damage; any loss of profits, revenue, goodwill, business opportunity, or anticipated savings; or any loss or corruption of data, however caused, arising in connection with your use of the Service.
• Our total aggregate liability to you for all claims arising under or in connection with these Terms or the Service in any 12-month period is limited to the greater of (a) the subscription fees you paid us for the Service in the 12 months immediately preceding the event giving rise to the claim, and (b) AUD $100.
• We are not responsible for any financial decision you make in reliance on the Service. See section 5.

16. Indemnity

You indemnify Auravest, its officers, employees, contractors, and affiliates against all liabilities, losses, damages, costs, and expenses (including reasonable legal costs) arising out of or in connection with: (a) your breach of these Terms; (b) your use of the Service in breach of any law; or (c) any third-party claim that arises out of content or data you submit to the Service. This indemnity does not apply to the extent that the relevant loss is caused by our negligence or wilful misconduct.

17. Suspension and termination

You may terminate this agreement at any time by cancelling your subscription and deleting your account. We may suspend or terminate your access (immediately and without notice where reasonable) if you materially breach these Terms, fail to pay applicable fees, or if we reasonably believe your use of the Service poses a security or legal risk. On termination, your rights to use the Service cease; provisions that by their nature should survive (including sections 10–11, 13–16, and 19) survive termination.

18. Changes to these Terms

We may update these Terms from time to time. If we make a material change, we will notify you by email or by in-app notice at least 14 days before the change takes effect (or as soon as reasonably practicable for changes required by law). Your continued use of the Service after the effective date of the change constitutes acceptance of the updated Terms. If you do not accept the change, your remedy is to stop using and cancel the Service before the effective date.

19. General

• Governing law and jurisdiction. These Terms are governed by the laws of New South Wales, Australia. The parties submit to the exclusive jurisdiction of the courts of New South Wales and the courts competent to hear appeals from them.
• Dispute resolution. Before commencing legal proceedings (except for urgent injunctive relief), a party must give written notice of the dispute and the parties must attempt in good faith to resolve it for at least 30 days.
• Assignment. You may not assign these Terms without our prior written consent. We may assign or novate these Terms in connection with a sale, merger, or corporate restructure.
• Entire agreement. These Terms together with the Privacy Policy and any plan-specific terms are the entire agreement between you and us regarding the Service.
• Severance. If any part of these Terms is held invalid or unenforceable, that part is severed and the remainder continues in force.
• No waiver. Failure or delay by us to exercise any right is not a waiver of that right.
• Notices. We may send notices to the email address registered to your account. You may send notices to us at [email protected].
• Force majeure. Neither party is liable for failure or delay caused by events beyond its reasonable control.

20. Copyright / DMCA notices

Auravest respects the intellectual property rights of others and complies with the U.S. Digital Millennium Copyright Act (DMCA, 17 U.S.C. § 512) where it applies, as well as analogous rights under the Australian Copyright Act 1968 (Cth).

If you believe content available through the Service infringes your copyright, please send a written notice to our Designated Agent containing all of the information required by 17 U.S.C. § 512(c)(3):

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
• Identification of the copyrighted work claimed to have been infringed;
• Identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate the material (e.g. a URL);
• Your contact information (address, telephone number, and email);
• A statement that you have a good-faith belief that use of the material is not authorized by the copyright owner, its agent, or the law; and
• A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Designated Agent for DMCA Notices:

• Name: DMCA Agent, Auravest Pty Ltd
• Postal address: 61 Lavender Street, Milsons Point, NSW 2061, Australia
• Email: [email protected]

On receipt of a valid notice we will respond in accordance with the DMCA, which may include removing or disabling access to the allegedly infringing material and notifying the user who submitted it. Repeat infringers' accounts will be terminated in appropriate circumstances.

Counter-notices. If you believe material was removed in error, you may submit a counter-notice containing the information required by 17 U.S.C. § 512(g)(3) to the Designated Agent above.

Misrepresentation.Knowingly submitting a false notice or counter-notice may result in liability for damages, including costs and attorneys' fees, under 17 U.S.C. § 512(f).

21. Contact us

Questions about these Terms? Email [email protected], or write to us at Auravest Pty Ltd, 61 Lavender Street, Milsons Point, NSW 2061, Australia.