Terms of Service

Last Updated: February 5, 2026

1. Acceptance of Terms

By accessing or using Equivise ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Equivise is a personal portfolio tracking application that allows users to:

Track investment holdings across multiple portfolios
View current and historical portfolio values
Record purchases and sales of securities
Generate tax reports for capital gains
Receive AI-generated market analysis

3. Not Financial Advice

Important: Equivise is a portfolio tracking tool only. The Service does not provide financial, investment, tax, or legal advice. All information provided through the Service, including AI-generated market analysis, is for informational purposes only and should not be construed as professional advice.

You should consult with qualified professionals before making any financial decisions. We are not responsible for any investment decisions you make based on information from the Service.

4. User Accounts

To use certain features of the Service, you must create an account. You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Providing accurate and complete information
Notifying us immediately of any unauthorized use

5. User Data and Content

You retain ownership of all data you enter into the Service, including portfolio information, transaction records, and notes. By using the Service, you grant us permission to store and process this data to provide the Service to you.

You are responsible for the accuracy of the data you enter. We are not liable for any errors in calculations or reports caused by inaccurate user input.

6. Data Accuracy

While we strive to provide accurate market data and calculations:

Price data is sourced from third-party providers and may be delayed or inaccurate
Currency conversions are approximate and may not reflect real-time rates
Tax calculations are estimates and should be verified by a tax professional
Historical data may have gaps or inaccuracies

7. Prohibited Uses

You agree not to:

Use the Service for any illegal purpose
Attempt to gain unauthorized access to the Service or its systems
Interfere with or disrupt the Service
Use automated means to access the Service without permission
Resell or redistribute the Service without authorization

8. Third-Party Services

The Service integrates with third-party services including:

Firebase (authentication and data storage)
Market data providers (Yahoo Finance, CoinGecko, Finnhub)
AI services (OpenAI for market analysis)

Your use of these services is subject to their respective terms and policies.

9. Service Availability

We strive to maintain Service availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

10. Limitation of Liability

To the maximum extent permitted by law, Equivise and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from your use of the Service.

11. Indemnification

You agree to indemnify and hold harmless Equivise and its operators from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the updated Terms on this page with a new "Last Updated" date. Continued use of the Service after changes constitutes acceptance of the modified Terms.

13. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. You may stop using the Service at any time.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Australia, without regard to its conflict of law provisions.

15. Contact

If you have questions about these Terms, please contact us at: support@equivise.com