Terms & Conditions

Who we are

Equity Ladder is operated from Brisbane, Queensland, Australia. These Terms form a binding agreement between you and the operator of Equity Ladder. We will update this section with our full company details once our company is formally registered.

Eligibility

You must be at least 18 years of age to use the Services. By using the Services, you represent and warrant that you are 18 or older and that you have the legal capacity to enter into these Terms.

Your account

To use most features, you must create an account. You agree to provide accurate information and to keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

Notify us promptly at hello@equityladder.app if you suspect any unauthorised use of your account.

What Equity Ladder does

Equity Ladder is a net worth tracking tool for Australian investors. It lets you record and consolidate your assets and liabilities — including property, shares, ETFs, cryptocurrency, superannuation, and cash — into a single dashboard, with tools to visualise your position over time and explore illustrative projections.

You are responsible for the accuracy of the information you enter. Where we display live market prices for assets such as shares or cryptocurrency, those figures are sourced from third-party providers and may be delayed, incomplete, or inaccurate.

Projections & illustrative figures

Equity Ladder may show projections, growth assumptions, milestone comparisons, and illustrative figures — for example, an indication of what an amount of money could possibly go towards, or a projection of how your net worth might grow over time based on assumptions you provide.

These figures are general illustrations only. They are intended to help you visualise possibilities — what your money could potentially do — and are not predictions, guarantees, or promises of any particular outcome. Actual results will differ. Comparisons to averages or benchmarks are approximate and based on publicly available data that may not reflect your individual circumstances.

Equity Ladder does not provide financial, investment, tax, or legal advice, and nothing in the Services should be taken as such. The Services do not take into account your personal objectives, financial situation, or needs. Before making any financial decision, you should consider obtaining advice from a licensed professional.

Subscriptions & billing

Equity Ladder offers a free tier and may offer paid subscription plans ('Premium'). Pricing and the features included in each plan are described within the Services and may change from time to time.

Where paid plans are offered, payments are processed by our third-party payment provider. We do not store your full card details. Subscriptions renew automatically at the end of each billing period unless cancelled beforehand. You may cancel at any time, and your plan will remain active until the end of the current billing period.

Unless required by Australian Consumer Law, payments are generally non-refundable for periods already started. Your rights under the Australian Consumer Law are not excluded, restricted, or modified by these Terms.

This section will be reviewed and updated when our payment integration goes live, including specific details of pricing, trials, renewals, cancellation, and refunds.

Acceptable use

You agree not to:

• Use the Services for any unlawful purpose
• Attempt to gain unauthorised access to the Services, other accounts, or our systems
• Interfere with, disrupt, or place undue load on the Services or their infrastructure
• Reverse engineer, scrape, or copy the Services except as permitted by law
• Use the Services to infringe the rights of others or to transmit harmful or malicious code
• Resell, sublicense, or commercially exploit the Services without our written permission

Intellectual property

The Services, including their design, code, branding, and content, are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Services for your personal, non-commercial use in accordance with these Terms.

The data you enter remains yours. By using the Services, you grant us permission to store and process that data solely to provide the Services to you, as described in our Privacy Policy.

Third-party services

The Services rely on third-party providers for hosting, data storage, authentication, payments, and market data. We are not responsible for the availability, accuracy, or conduct of those third parties. Your use of certain features may also be subject to the terms of those providers.

Availability & changes

We aim to keep the Services available and reliable, but we do not guarantee uninterrupted access. We may modify, suspend, or discontinue all or part of the Services at any time, and we may add, change, or remove features. Equity Ladder is currently provided on a beta basis and may contain errors or change significantly as it develops.

Disclaimers

To the maximum extent permitted by law, the Services are provided 'as is' and 'as available' without warranties of any kind, whether express or implied. We do not warrant that the Services will be error-free, secure, or that any figures, prices, or projections shown will be accurate or current.

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

Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential loss, or for any loss of profits, savings, data, or opportunity, arising out of or in connection with your use of the Services.

Where our liability cannot be excluded but can be limited, our liability is limited, at our option, to resupplying the Services or paying the cost of having the Services resupplied. Any financial decisions you make based on information in the Services are made at your own risk.

Indemnity

You agree to indemnify and hold us harmless from any claims, losses, liabilities, or expenses (including reasonable legal costs) arising from your misuse of the Services or your breach of these Terms, except to the extent caused by our own negligence or wrongdoing.

Termination

You may stop using the Services and delete your account at any time. We may suspend or terminate your access if you breach these Terms, if we are required to by law, or if we discontinue the Services. On termination, your right to use the Services ends, though provisions that by their nature should survive (such as disclaimers and limitations of liability) will continue to apply.

Governing law

These Terms are governed by the laws of the State of Queensland and the Commonwealth of Australia. You and we submit to the non-exclusive jurisdiction of the courts of Queensland and the courts competent to hear appeals from them.

Changes to these Terms

We may update these Terms from time to time. The updated version will be indicated by a revised 'Last updated' date at the top of this page. Where changes are significant, we will take reasonable steps to notify you. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

Contact us

Email: hello@equityladder.app

Equity Ladder
Brisbane, Queensland
Australia