Terms of Use

You accept these Terms by selecting the acceptance checkbox and creating or continuing an account. You must be at least 18 years old, have legal capacity to enter this agreement, and use the Service only for lawful purposes. If you use the Service for another person or entity, you confirm that you are authorised to bind them.

Our Privacy Notice explains how personal information is handled. It is incorporated by reference where relevant, but is not intended to reduce rights available under privacy law.

Ivanry is portfolio-management, recordkeeping, tracking, analytics and reporting software. It helps you record, import, consolidate, calculate and visualise portfolios, cash, transactions, tax lots, market information and related financial data. Features may include read-only broker imports or synchronisation, historical performance, estimated tax calculations, news, technical and fundamental data, artificial-intelligence-generated research, future scenarios and educational explanations.

Features, data sources and supported brokers may change. Beta, preview, experimental and third-party features may be incomplete or withdrawn. Ivanry is not a bank, broker, exchange, trading venue, custody service, managed fund, superannuation product or investment platform. You cannot deposit, hold, transfer, withdraw, buy or sell money or securities through Ivanry. We do not execute orders or guarantee connectivity to any broker or data provider.

The Service is a software, information and educational tool. Outputs are general and indicative only. They are not financial product advice, personal financial advice, a recommendation or invitation to buy, sell or hold an investment, tax advice, legal advice, accounting advice, or a substitute for professional judgement.

• Ivanry does not know all of your objectives, financial situation, needs, tax profile or risk tolerance.
• Signals, scores, alternatives, forecasts and AI outputs may be wrong, incomplete, stale or unsuitable.
• Labels such as Buy watch, Sell watch, Hold, alternative or opportunity are software classifications, not instructions or recommendations.
• Future paths and projections are scenarios based on assumptions, not promises or forecasts of your actual outcome.
• Tax and CGT outputs are estimates for review by a qualified Australian tax adviser or accountant.
• You remain solely responsible for investment, tax, filing and other decisions and for checking primary records.

Seek appropriately licensed or registered professional advice before acting. Past performance does not indicate future performance, and investments can lose some or all of their value.

Provide accurate, current information and keep account access secure. Do not share credentials, bypass authentication or use another person's account. Tell us promptly if you suspect unauthorised access. You are responsible for activity conducted through your account except to the extent caused by our breach of law or failure to use reasonable care.

Google, Cognito, Square, IBKR and other integrations remain governed by their own terms. We do not ask you to store broker passwords in Ivanry or bypass broker multi-factor authentication.

You are responsible for the completeness, accuracy, legality and authority of data you enter, upload, connect or instruct us to process. Broker exports, corporate actions, FX rates, prices, splits, fees, transfers and historical records can be delayed, inconsistent or incomplete.

• Reconcile Ivanry against broker statements, contract notes and tax records before relying on an output.
• Review lot matching, FX rates, cost bases and corporate actions, particularly before locking or exporting a tax year.
• Retain original source documents. Ivanry is not your statutory record keeper.
• Do not upload information you lack permission to process.

AI features may synthesise market, news, macroeconomic, technical, fundamental and portfolio information. Generated content is probabilistic, may contain hallucinations or omit material facts, and is not a transparent record of a model's private reasoning. Any displayed rationale is a user-facing evidence summary, not hidden chain-of-thought.

AI and comparison features organise information and surface matters for your review. They do not determine suitability, place an order, rebalance a portfolio, monitor the market on your behalf as an adviser, or create an adviser-client relationship.

Quotes, market data, analyst views, news, corporate information and alternative ideas may be licensed from or linked to third parties. We do not warrant that third-party content is available, real-time, accurate or complete. Intellectual property and usage restrictions of those providers continue to apply.

Free-plan limits are displayed before selection and may include limits on holdings, trades, broker synchronisation or advanced features. Paid currently costs A$10 per month unless a different price is clearly shown before purchase.

• Paid subscriptions renew automatically each month until cancelled.
• Square securely collects and processes card details; Ivanry does not store full card numbers.
• You can schedule cancellation in Settings. Paid access continues until the displayed end of the paid period.
• Unless required by law, partial periods are not refunded merely because you stop using the Service.
• We will give reasonable advance notice of a material price change and an opportunity to cancel before it applies.

Nothing in these Terms excludes refunds, remedies, guarantees or other rights that cannot be excluded under the Australian Consumer Law.

You must not:

• break laws, infringe rights, commit fraud, manipulate markets or facilitate unlawful financial activity;
• probe, attack, overload, scrape or circumvent security, access controls, plan limits or rate limits;
• reverse engineer or copy the Service except where the law expressly permits it;
• upload malware, abusive material or another person's sensitive information without authority;
• resell, sublicense or commercially exploit the Service or third-party data without written permission; or
• use automated outputs as the sole basis for a legally significant decision about another person.

We and our licensors retain rights in the Service, software, design, models, documentation and content. While your account is active, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service in accordance with these Terms.

You retain ownership of data you provide. You grant us a limited licence to host, copy, transform, transmit and analyse it only as reasonably necessary to operate, secure, support and improve the Service, comply with law, and provide features you request. We will not claim ownership of your portfolios or trades.

We use reasonable care but do not promise uninterrupted or error-free availability. Outages can result from maintenance, brokers, market-data providers, cloud services, communications networks, force majeure or events outside reasonable control. Time-sensitive decisions should be checked directly with the relevant broker or primary source.

We may change the Service for security, legal, technical or product reasons. If a change materially reduces a Paid feature during a prepaid period, we will provide a reasonable remedy where required by law.

You may stop using the Service and cancel a subscription at any time. We may suspend or terminate access where reasonably necessary for security, non-payment, material breach, unlawful conduct, risk to others, or discontinuation of the Service. Except for urgent security or legal cases, we will give reasonable notice and an opportunity to remedy a remediable breach.

Portfolio deletion is normally soft-deleted for the displayed recovery period before scheduled permanent deletion. Account, legal, billing, security and backup records may be retained where reasonably required by law, dispute resolution, fraud prevention, audit or technical backup cycles. Export important records before deletion or termination.

These Terms do not exclude, restrict or modify rights, guarantees or remedies that cannot lawfully be excluded, including under the Australian Consumer Law. Subject to those rights and to the maximum extent permitted by law, the Service and third-party information are supplied on an as-available basis and we do not guarantee a particular investment, tax, business or financial outcome.

To the maximum extent permitted by law, neither party is liable for indirect, consequential, exemplary or punitive loss, or for loss of profit, opportunity, goodwill or data, except where such loss was reasonably foreseeable and cannot lawfully be excluded. We are not responsible for market movements or decisions made without independently verifying Service outputs.

Where liability may lawfully be limited, our aggregate liability arising from the Service is limited to the greater of A$100 and the fees you paid us in the 12 months before the event. This limit does not apply to fraud, wilful misconduct, personal injury caused by negligence, breach of confidentiality or privacy obligations, or liability that cannot be limited by law.

To the extent permitted by law, you are responsible for a third-party claim arising directly from your unlawful use of the Service, your infringement of that third party's rights, or data you supplied without authority. This does not require you to compensate us for loss caused by our negligence, breach, unlawful conduct or failure to mitigate loss.

We may update these Terms for legal, security or product reasons. We will identify the new version and effective date. If a change is material, we will provide reasonable notice and may require fresh acceptance. Changes do not apply retrospectively to a dispute that arose before the change. If you do not agree, stop using the Service and cancel before the change takes effect.

Contact us first so we can try to resolve a concern promptly. Neither party is prevented from seeking urgent relief or using a regulator, tribunal or consumer remedy. These Terms are governed by the laws of Victoria, Australia. Courts and tribunals with lawful jurisdiction may hear a dispute, including any jurisdiction available to you under mandatory consumer law.

If part of these Terms is invalid, it is read down or severed to the minimum extent necessary. Delay in enforcing a right is not a waiver. You may not transfer your account without consent. We may transfer this agreement as part of a genuine business restructure or sale if your rights are not materially reduced. These Terms, the Privacy Notice and terms shown at purchase form the agreement about the Service.

Ivanry is operated by Ivanry Family Trust, ABN 72 549 759 671. Support, privacy and formal-notice contact details are provided through the Service and account communications. We may send notices to the email registered to your account. Keep that address current.