Platform Terms of Service

Equivest AI Pty Ltd (ABN 66 693 610 310) · Last updated: July 2026

These Terms of Service (“Terms”) govern your use of the Equivest platform at app.equivest.ai, including your account and any applications or eligibility assessments you submit (the “Platform”). By creating an account or using the Platform, you agree to these Terms.

1. What Equivest is — and is not

Equivest operates a technology platform that coordinates arrangements between homeowners, investors and other participants, including eligibility assessment, participant matching, and administration of arrangements.

Equivest is a facilitator and coordinator. Equivest:

  • does not lend money and does not provide credit;
  • does not provide financial product advice, personal advice, legal advice or taxation advice;
  • does not guarantee any income, distribution, property value or investment outcome; and
  • does not hold an Australian Financial Services Licence. Based on formal legal advice obtained by Equivest, the services provided through the Platform do not require one.

Any information provided through the Platform, including illustrations, estimates and calculators, is general information only and does not take into account your objectives, financial situation or needs.

2. Eligibility for an account

To use the Platform you must be at least 18 years old, an individual acting on your own behalf or a person properly authorised to act for an entity, and capable of forming a binding contract. You must provide accurate, current and complete information and keep it updated.

3. Identity verification

Before you can transact through the Platform, we must verify your identity in accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). You authorise us to conduct verification checks, including through third-party providers, and acknowledge that we may refuse or suspend access if verification cannot be completed. Our handling of your information is governed by our Privacy Policy.

4. Your account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately at security@equivest.ai if you suspect unauthorised access. We may suspend an account where we reasonably suspect a security compromise, fraud, or breach of these Terms.

5. The arrangements — documents prevail

The Platform allows you to explore, apply for and administer arrangements such as home equity participation, income property co-investment and co-ownership. Where a homeowner sells a percentage of the title to their home, the homeowner and the investor hold the title together as tenants in common in the agreed proportions. The arrangement is not a loan. The rights of each party — including the homeowner’s right of exclusive occupation, the investor’s lack of any right to occupy without the homeowner’s written consent, the restriction in the co-ownership deed on the investor seeking possession or a court-ordered sale or partition, responsibility for outgoings, and any buy-back right — are those set out in the Transaction Documents and not in these Terms. Every arrangement is governed solely by its own executed legal documentation (“Transaction Documents”). If there is any inconsistency between these Terms, anything displayed on the Platform, and the Transaction Documents, the Transaction Documents prevail.

No arrangement exists, and neither party is bound, until Transaction Documents are executed and any conditions in them are satisfied. Figures shown on the Platform before execution — including estimated release amounts, ownership percentages, distributions and returns — are indicative only.

6. Required independent steps

You acknowledge that before entering any arrangement you will be required to obtain independent legal advice, and for any investment decision, that you should obtain independent financial advice. You are responsible for the costs of your own advisers unless the Transaction Documents state otherwise. Where you ask us to connect you with an adviser, referrals are provided under our Third-Party Adviser Referral Disclosure, which forms part of these Terms.

7. Investor participants

Investment opportunities presented on the Platform are offered by third-party property developers or other issuers (“Developers”). If you invest, you invest directly with the Developer: the Developer is the issuer of the investment and your contractual counterparty, and any offer is made solely through the Developer’s own offer documentation — not by Equivest and not through these Terms.

Equivest is not the issuer of any investment and does not recommend or endorse any Developer or opportunity. Information about Developers and opportunities displayed on the Platform is provided by the relevant Developer, and Equivest does not warrant its accuracy or completeness.

Deposits and payments. Where you proceed with an investment, your deposit is paid into Equivest’s statutory trust account, operated under Equivest AI Pty Ltd’s corporation licence (Property — Corporation, Licence No. 10155738) and maintained in accordance with applicable property legislation, including independent annual audit. Your deposit is held on trust for you, separate from Equivest’s own funds, until released to the Developer in accordance with the Transaction Documents. No interest is payable to you on deposits held in the trust account. The balance of your investment is paid by you directly to the Developer. If a transaction does not proceed, or is cancelled in accordance with the contract terms, your deposit — less any deductions, fees or costs applying under those terms — will be refunded to you, normally within 10 business days of the refund becoming payable, subject to bank processing times.

Before investing you should read the Developer’s offer documentation in full, satisfy yourself about the Developer and the opportunity, and obtain independent financial, legal and taxation advice. Any rights you have in relation to an investment — including any cooling-off, withdrawal or complaint rights — are as set out in the Developer’s offer documentation and at law, and are exercisable against the Developer.

8. Fees

Fees applicable to any arrangement are disclosed before you commit to it and are set out in the Transaction Documents. We may charge Platform fees as notified to you in advance.

9. Acceptable use

You must not:

  • provide false, misleading or incomplete information;
  • use the Platform for any unlawful purpose, including money laundering or fraud;
  • attempt to gain unauthorised access to the Platform, other users’ accounts or data, or any connected system;
  • probe, scan or test the vulnerability of the Platform without our prior written consent;
  • scrape or systematically extract data from the Platform;
  • introduce malicious code; or
  • use the Platform to harass or harm any person.

We may suspend or terminate your access for breach of this section.

10. Availability and changes

We aim to keep the Platform available but do not guarantee uninterrupted access. We may modify, suspend or discontinue features with reasonable notice where practicable. Where you have an active arrangement, we will continue to provide the administration and reporting contemplated by your Transaction Documents or make reasonable alternative arrangements.

11. Intellectual property

The Platform and its content are owned by or licensed to Equivest. You receive a limited, non-exclusive, non-transferable licence to use the Platform for its intended purpose. You must not copy, modify, reverse engineer or create derivative works from the Platform except as permitted by law.

12. Privacy

Our collection, use and disclosure of your personal information is governed by our Privacy Policy.

13. Liability

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law or other law that cannot lawfully be excluded.

Subject to that:

  • the Platform is provided “as is” and we do not warrant that it will be error-free or uninterrupted;
  • we are not liable for decisions you make in reliance on general information, illustrations or estimates displayed on the Platform;
  • we are not liable for the acts or omissions of independent third parties, including valuers, legal advisers, financial advisers, or other participants in an arrangement;
  • to the maximum extent permitted by law, we exclude liability for indirect or consequential loss;
  • where a consumer guarantee cannot be excluded but our liability for its breach may be limited, our liability is limited, at our option, to resupplying the relevant services or paying the cost of resupply; and
  • subject to the above, our aggregate liability in connection with the Platform is limited to the fees you paid to us in the 12 months before the event giving rise to the claim.

Nothing in this section limits any liability of a party under executed Transaction Documents, which are governed by their own terms.

14. Termination

You may close your account at any time by contacting us, subject to completing or transferring any active arrangements in accordance with their Transaction Documents. We may terminate or suspend your access for material breach of these Terms, where required by law, or where we reasonably suspect fraud or unlawful activity. Sections that by their nature survive termination (including intellectual property, liability and disputes) continue to apply.

15. Complaints and disputes

Complaints are handled under our Complaints Handling Policy, available on the Website. We will acknowledge your complaint promptly and aim to resolve it within 30 days. If a dispute is not resolved through our complaints process, the parties will consider mediation in good faith before commencing court proceedings, except where urgent relief is required. Nothing in this section prevents you exercising any right under the Australian Consumer Law.

16. General

These Terms are governed by the laws in force in New South Wales, Australia, including applicable laws of the Commonwealth of Australia, and you submit to the non-exclusive jurisdiction of the courts of New South Wales and the Commonwealth. If any provision is invalid, the remainder continues in force. We may update these Terms by giving you reasonable notice through the Platform or by email; continued use after the effective date constitutes acceptance. A failure to enforce a right is not a waiver of it.

17. Contact

Equivest AI Pty Ltd — Email: legal@equivest.ai