Website Terms of Use

These Terms of Use govern your access to and use of the website at equivest.ai (the “Website”). By accessing the Website you agree to these Terms of Use. Use of the Equivest platform at app.equivest.ai is governed separately by our Platform Terms of Service.

1. Information only — no offer, no advice

The Website provides general information about Equivest and the arrangements it coordinates. Nothing on the Website:

• constitutes an offer, invitation or recommendation to enter into any arrangement or acquire any financial product;
• constitutes financial product advice, legal advice, tax advice or credit assistance; or
• takes into account your objectives, financial situation or needs.

All figures, examples, illustrations and calculators on the Website are illustrative only and do not represent actual customer outcomes. Income, distributions and property values are not guaranteed and may fall as well as rise. Before making any decision you should consider whether the information is appropriate to your circumstances and obtain independent legal, financial and taxation advice.

2. Eligibility and process

Any arrangement described on the Website is subject to eligibility criteria, independent valuation, independent legal advice, legal documentation, and Equivest’s assessment and approval processes. Information on the Website does not create any entitlement to enter into an arrangement.

3. Intellectual property

The Website and its content — including text, graphics, logos, page designs, calculators and software — are owned by or licensed to Equivest and are protected by Australian and international intellectual property laws. You may view and print content for your personal, non-commercial use. You must not otherwise reproduce, modify, distribute or commercially exploit any content without our prior written consent.

4. Acceptable use

You must not:

• use the Website for any unlawful purpose;
• attempt to gain unauthorised access to the Website, its servers or any connected systems;
• scrape, harvest or systematically extract data from the Website, including by automated means, without our written consent;
• introduce viruses, malware or other harmful code; or
• interfere with the proper working of the Website.

5. Third-party links

The Website may link to third-party websites. Those links are provided for convenience only. We do not endorse and are not responsible for the content or privacy practices of third-party websites.

6. Disclaimer and limitation of liability

We take reasonable care in preparing the Website but do not warrant that its content is complete, accurate or current at all times, or that the Website will be available, uninterrupted or error-free.

Nothing in these Terms of Use excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law or any other law that cannot lawfully be excluded. Subject to that, and to the maximum extent permitted by law, Equivest excludes all liability for any loss or damage (including indirect or consequential loss) arising from or in connection with your use of, or inability to use, the Website. Where liability cannot be excluded but can be limited, our liability is limited, at our option, to resupplying the relevant services or paying the cost of resupply.

7. Privacy

Our collection and handling of personal information is governed by our Privacy Policy, available on the Website.

8. Changes

We may update the Website and these Terms of Use at any time. Changes take effect when published on the Website. Your continued use of the Website after changes are published constitutes acceptance of the updated Terms of Use.

9. Governing law

These Terms of Use are governed by the laws in force in New South Wales, Australia, including applicable laws of the Commonwealth of Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and the Commonwealth.

10. Contact

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