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 $9.90 per active property, per month, in Australian dollars with GST included. Every feature is included - cashflow, tax pack, depreciation, AI insights, refinance, rent letters, multi-entity, accountant seats. Public calculators (negative gearing, yield, stamp duty, CGT, upfront costs) remain free without an account.

You start with a 7-day free trial, and you do not need a card to start. We email you 2 days and 1 day before the trial ends. After the trial, the subscription is billed monthly via Stripe; mid-cycle property changes (adds, sold, deletes) prorate automatically. Cancel anytime from the Billing page - you keep access to the end of the current period, then the dashboard becomes read-only and your data stays. Payments are processed by Stripe - we never see or store your card number. To request a refund, email vestlyaus@gmail.com.

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.