Terms & Conditions

Acceptance of Terms and Scope of Application

These Terms of Service (“Terms”) dictate the parameters under which you, the user (the “Client”), are granted a limited, revocable, non-exclusive licence to access and utilise the proprietary digital infrastructure located at www.financialportfolio.com.au (the “Platform”). By instantiating an account or interfacing with the Platform, you unequivocally accede to these Terms, thereby forging a legally binding contract with Financial Portfolio Pty Ltd (the “Company”).

Exculpatory Declarations and Absence of Financial Advice

The Platform functions exclusively as a sophisticated data aggregation, tracking, and visualisation utility. It is imperative you acknowledge the following disclaimers:

• No Fiduciary Duty or AFSL Provision: The Company does not operate under an Australian Financial Services Licence (AFSL). The analytics, projections, and visualisations rendered by the Platform constitute general information and factual reporting only.
• Absence of Personal Advice: Absolutely no output generated by the Platform should be construed as financial product advice, investment recommendations, or taxation guidance within the meaning of Chapter 7 of the Corporations Act 2001 (Cth). The Platform does not account for your personal objectives, risk appetite, or specific financial circumstances. You are strongly counselled to consult a duly licensed independent financial adviser, accountant, or legal practitioner prior to executing any financial decisions based on the Platform’s telemetry.

Client Representations, Warranties, and Obligations

By integrating your financial data with the Platform, you warrant and represent that:

• You possess lawful authority and untrammelled right to access, and to authorise the Company to access, the respective financial accounts, brokerages, and cryptographic wallets you integrate.
• The credentials you provide for third-party integrations are accurate, and your provision of such credentials does not contravene the terms and conditions promulgated by your respective financial institutions.
• You will assiduously safeguard your authentication credentials and implement multi-factor authentication to forestall unauthorised access. The Company bears no liability for losses stemming from your failure to secure your endpoint environment.

Data Aggregation and Third-Party Intermediaries

To facilitate automated wealth tracking, the Platform relies upon Application Programming Interfaces (APIs) and third-party data aggregation intermediaries (e.g., Open Banking/CDR platforms). You acknowledge that these third-party connections are susceptible to latency, unscheduled deprecation, or synchronisation failures. The Company does not warrant the continuous, uninterrupted availability of external data feeds, nor do we accept liability for the veracity, completeness, or timeliness of the data transmitted by these external institutions.

Remuneration, Subscription Mechanics, and Default

Access to premium functionalities of the Platform is contingent upon the timely remittance of subscription levies, calculated and billed in advance.

• All quoted fees are inclusive of Goods and Services Tax (GST) unless explicitly stated otherwise.
• The Company reserves the unilateral right to augment its fee schedule, subject to providing you with a minimum of thirty (30) days’ written notice prior to your subsequent billing cycle.
• In the event of a payment default, the Company retains the right to suspend or terminate your access to the Platform without prejudice to our right to recover antecedent arrears.

Limitation of Liability and Statutory Guarantees

To the absolute maximum extent permitted by the Competition and Consumer Act 2010 (Cth) and the Australian Consumer Law (ACL), the Company systematically disclaims all implied warranties, whether statutory or arising from a course of dealing.

• Exclusion of Consequential Loss: The Company shall under no circumstances be liable for any indirect, special, incidental, punitive, or consequential damages, including but not limited to lost profits, trading losses, diminution of asset value, or data corruption, irrespective of whether the Company was appraised of the possibility of such damages.
• Cap on Liability: Where a statutory guarantee under the ACL cannot be lawfully excluded, the Company’s total aggregate liability for any breach shall be strictly limited to the re-supply of the services or the cost of having the services supplied again, at the Company’s absolute discretion.

Intellectual Property Rights

The Platform’s underlying architecture, algorithmic logic, user interface, source code, and proprietary branding are the exclusive intellectual property of the Company, shielded by Australian and international copyright and trademark jurisprudence. You are expressly prohibited from decompiling, reverse-engineering, scraping, or creating derivative works from any component of the Platform.

Termination and Suspension

The Company reserves the right to suspend or irrevocably terminate your account, without prior notice, should we detect any material breach of these Terms, suspected fraudulent activity, or any behaviour that jeopardises the systemic integrity of the Platform. Upon termination, your right to utilise the Platform ceases instantaneously, and we shall initiate the cryptographic destruction of your aggregated data in accordance with our Privacy Policy.

Governing Law and Jurisdiction

This instrument, and any substantive or procedural disputes arising collaboratively or independently from it, shall be governed by, and construed in accordance with, the laws of the State of Victoria, Australia. The parties hereby irrevocably and unconditionally submit to the exclusive jurisdiction of the state and federal courts located within Victoria.

Contact Coordinates

Financial Portfolio Pty Ltd

Attention: The Chief Privacy Officer

Address: 133 Toorack Road, South Yarra, Victoria, 3141

Email: admin@financialportfolio.com.au

Effective Date: 4 September 2026