Terms of Service

Not financial advice

Vestly is a planning and tracking tool. It provides estimates based on data you enter and on ATO rules. It is not financial, tax, or legal advice. Before making any decision about an investment property, a tax return, or a sale, consult a registered tax agent, financial adviser, or lawyer.

We do not guarantee the accuracy of any calculation, ranking, or recommendation. Tax rules change. Rates change. You are solely responsible for verifying any figure Vestly produces before acting on it.

Your account

• You must be at least 18 years old to use Vestly.
• You're responsible for keeping your password secure.
• You're responsible for everything that happens under your account.
• One person per account. Sharing logins across multiple people breaches these terms.

Your data, your property

You own the data you put into Vestly. We store it, process it, and show it back to you. We don't claim rights over your portfolio information, documents, or notes.

You can export your data at any time via the Reports → Export CSV feature, or delete your entire account (and everything in it) from Settings. Deletion is permanent.

Acceptable use

Do not use Vestly to:

• Scrape, rate-limit-abuse, or reverse-engineer the service.
• Upload illegal, defamatory, or infringing content.
• Attempt to access data that doesn't belong to your account.
• Resell access or build a competing product using Vestly's output.

We may suspend or terminate accounts that breach these rules.

Availability

We aim for 99.9% uptime but make no guarantees. The service is provided "as is" with no warranty of fitness for any particular purpose.

Pricing and billing

Vestly is a paid product. Using your account - cashflow, tax position, CGT, depreciation, scenario planning, multi-entity portfolios, optional professional access, bulk import, rent letters and every calculator inside the app - requires a current Vestly Core or Vestly Pro subscription, on the terms set out below. Public calculators (negative gearing, yield, stamp duty, CGT, upfront costs) are free to use without an account.

Vestly is sold as an auto-renewing subscription in two plans: Vestly Core at A$12 per month or A$99 per year, and Vestly Pro at A$16 per month or A$129 per year. All prices are in Australian dollars and GST-inclusive. 14-day free trial for new customers, no card required. Add a payment method to continue after the trial; otherwise it ends without a charge. Trials are for eligible new customers only. With a payment method on file, your subscription renews automatically after the trial and once per billing period until you cancel. You may cancel at any time from the Billing page, and you keep access until the end of the period you have already paid for.

Your subscription renews automatically at the end of each billing period - monthly or yearly, whichever you chose - charged to your payment method on file, and we send a reminder email before each renewal. Vestly Pro includes generation of your tax pack, watermark-free downloads and optional sharing, plus the AI features that support the pack (receipt photo scan, document auto-tagging, AI document import, depreciation-schedule AI ingest and the AI FY tax narrative). You can cancel anytime from the Billing page: cancelling stops future renewals and you keep access until the end of the period you have paid for. Customers who purchased the earlier one-time offers, or who hold a Tax Pass subscription, keep everything they paid for through to their existing expiry. Payments are processed by Stripe - we never see or store your card number. Your subscription comes with a money-back guarantee: if it does not organise more than the price you paid in value, email hello@vestly.au for a full refund.

Liability

To the maximum extent permitted by law, Vestly's total liability for any claim arising from the service is limited to the amount you paid us in the 12 months before the claim (or AUD $100 if you have not paid us anything). We are not liable for indirect, consequential, or incidental damages including lost profits, lost investment opportunities, or tax penalties.

Nothing in these terms excludes rights you have under the Australian Consumer Law that cannot legally be excluded.

Changes to these terms

We may update these terms. Material changes will be emailed to registered users at least 14 days before they take effect. Continued use of the service after that constitutes acceptance.

Governing law

These terms are governed by the laws of New South Wales, Australia. Any dispute must be brought in an Australian court.

Contact

Questions about these terms: vestlyaus@gmail.com.

See also our privacy policy.