Terms & Conditions

Last updated: 8 October 2026

1. Acceptance of these terms

Track My Wealth ("the platform") is owned and operated by Verge Technologies Pty Ltd (ABN 15 668 622 482). By creating an account, logging in, or otherwise using the platform, you agree to these Terms & Conditions. If you don't agree to them, please don't use the platform.

2. Who can use the platform

You must be at least 18 years old to create an account and use the platform. You agree to give accurate information when you sign up and to keep it up to date.

3. Built with AI assistance

The platform — including its calculations, projections, and the software itself — was substantially built with the assistance of artificial intelligence tools. While we've made reasonable efforts to test its functionality, AI-assisted software can contain errors, unexpected behaviour, or inaccuracies that aren't immediately obvious. You should treat every figure the platform produces as an estimate to be independently checked, not as a guaranteed or audited result.

4. Not financial, tax, or legal advice

Nothing on this platform constitutes financial, taxation, legal, or other professional advice. Every projection, estimate, or figure shown — including but not limited to capital gains, franking credits, negative gearing, superannuation balances, and any scenario or "what-if" modelling — is a general, simplified estimate for your own personal reference only. It does not take into account your full personal circumstances, and it is not a substitute for advice from a licensed financial adviser, accountant, tax agent, or lawyer.

You should not make any financial, investment, tax, insurance, or estate-planning decision based solely on information shown in this platform. Always seek independent, professional advice appropriate to your own situation before acting.

This applies equally to the Retirement planner, the Future wealth projection, the FIRE countdown, any estimate of how long your super or savings might last, and capital gains estimates, including those that reflect proposed or changing tax rules. These tools rely on assumptions that you enter or that are pre-filled for you (such as growth, inflation, spending and retirement age), which may turn out to be wrong, and tax rules and thresholds can change. They show possible outcomes, not predictions or guarantees.

The same applies to anything an AI assistant tells you about your figures (see clause 6). An AI assistant can misread, miscalculate or misstate figures, so please check anything important against the platform and with a licensed professional.

5. No warranty

The platform is provided "as is" and "as available," without warranty of any kind, whether express or implied, including — without limitation — any warranty that the platform will be error-free, uninterrupted, secure, or that any calculation or figure it produces will be accurate or complete.

6. Your account and data

• You're responsible for keeping your login credentials confidential and for all activity that happens under your account.
• The financial information you enter is stored so the platform can provide the service to you — treat it with the same care you would any sensitive financial record, and keep your own independent backup of anything important.
• If you grant another person (a spouse, accountant, financial adviser, or anyone else) access to a wealth file, you're responsible for that decision and for what they can subsequently see or, if given editor access, change.
• AI assistants — on the Advanced plan you can choose to connect an AI assistant such as Claude or ChatGPT to your wealth files, or to copy or share a summary of a wealth file into one. A connected assistant has read-only access to the wealth files you choose: it can't change anything, and it doesn't receive your notes, legacy contact, sharing details, email addresses or password. You can disconnect it at any time under Account. Connecting an assistant is your choice and your responsibility. Once an assistant has your figures, the company that runs it handles them under its own terms and privacy policy, which we don't control, and disconnecting it or deleting your account here doesn't remove what it has already received. If a wealth file belongs to someone else and is shared with you, connect it only if you're entitled to share that person's information.

7. Security of your information

The financial data in your wealth file is encrypted at rest using AES-256-GCM encryption, and all traffic to and from the platform is protected by TLS/HTTPS in transit. Passwords are never stored in plain text — they're hashed using industry-standard cryptography. Optional two-factor authentication (2FA) is available on every account, and we apply a Content Security Policy and other server-side protections designed to reduce the risk of common web attacks.

No system can be guaranteed completely secure, and by using the platform you accept that risk alongside the protections described here. See clause 6 above for your own responsibilities in keeping your account and data secure.

8. Subscriptions and billing

• Plans — the platform offers a free Starter plan and paid plans, described on our pricing page and in the app. Features and prices may change, and we'll give notice of a price change before it applies to your next billing period. Some features, such as connecting an AI assistant, are available only on the Advanced plan.
• How you pay — subscriptions bought on our website are billed by Stripe. Subscriptions bought in the mobile apps are billed and managed by Apple (App Store) or Google (Google Play) under their terms. Prices are shown at checkout in your local currency and may include local taxes. Subscriptions renew automatically at the end of each billing period until you cancel.
• Free trials — where a free trial is offered, your paid subscription starts automatically when the trial ends unless you cancel before then.
• Cancelling — you can cancel at any time. For store subscriptions, cancel in your Apple or Google subscription settings; for website subscriptions, use the billing page in your account. You keep paid access until the end of the period you've paid for.
• Refunds — refunds for purchases made through Apple or Google are handled by them under their refund policies, so please contact them. For website purchases, except where the law requires otherwise (including under the Australian Consumer Law), fees are non-refundable and we don't give refunds or credits for part-used periods.

9. Deleting your account and ending use

You can delete your account at any time from the mobile app (Settings, Account, Delete account) or on our delete account page. Your account and the wealth files you own are kept in a recoverable state for 30 days and then permanently erased, as explained in our Privacy Policy. Deleting your account does not cancel a subscription bought through Apple or Google, so please cancel it in your store settings as well. We may suspend or end an account that breaches these terms or is used unlawfully.

How we handle your personal information is explained in our Privacy Policy.

10. Limitation of liability

To the maximum extent permitted by law, Verge Technologies is not liable for any loss or damage — direct, indirect, incidental, or consequential — arising from your use of, or inability to use, the platform, including any decision made in reliance on information it produced. Nothing in these terms excludes any consumer guarantee or other right that cannot lawfully be excluded. We are also not responsible for the content, accuracy or handling of anything produced by a third-party AI assistant that you choose to use with your figures.

11. Governing law

These terms are governed by the laws of New South Wales, Australia, and you and we submit to the non-exclusive jurisdiction of the courts of New South Wales. If you use the platform as a consumer outside Australia, you keep any mandatory consumer protection rights you have under the law of the country where you live.

12. Changes to these terms

We may update these terms from time to time as the platform changes. Continuing to use the platform after an update means you accept the revised terms.

13. Contact

Questions about these terms can be directed to the Verge Technologies account administrator who set up your access to the platform, or emailed directly to info@vergetec.au.