Terms of Service

These Terms of Service apply to your use of the Cove Money mobile application and the website located at covemoney.com.au (together, the Service). The Service is provided by WILIER LABS PTY LTD (ABN 57 681 703 328), trading as COVE MONEY (we, us or our).

By accessing or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility and accounts

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service.

You are responsible for keeping your account details secure and for activity that occurs under your account. You must provide accurate information and keep it up to date.

2. Preview mode

The Service may allow you to explore a preview experience before creating an account or subscribing. Preview mode uses example information for demonstration purposes only and does not reflect your real financial data.

We may change, limit, or remove preview mode at any time.

3. Subscriptions, billing and app stores

Some parts of the Service require a paid subscription. Pricing, billing period, and included features will be shown to you before you subscribe.

If you subscribe through the Apple App Store or Google Play, your purchase, billing, renewals, and cancellations are handled by that platform under its terms and policies. You are responsible for managing your subscription through the relevant app store account.

Nothing in these Terms is intended to exclude, restrict, or modify any refund, repair, replacement, or other rights you may have under the Australian Consumer Law.

We may change pricing, plans, or features from time to time. Any changes will apply prospectively and subject to applicable law and any app store requirements.

4. Bank connections and third-party services

Cove Money offers read-only bank connections through third-party providers, including Fiskil Pty Ltd, which acts as the accredited intermediary for Consumer Data Right bank data access. Authentication and identity services are supported by WorkOS, transactional email delivery is supported by Resend, and AI-powered features may be routed through Cloudflare AI Gateway with one or more upstream AI model providers.

Your use of some parts of the Service may also depend on third-party terms, privacy policies, consent flows, and operational availability. We are not responsible for outages, delays, data availability issues, or changes caused by third-party providers, banks, data holders, app stores, or network services.

5. Financial information and no advice

Cove Money is a personal finance information and tracking service. It does not provide financial product advice, personal financial advice, legal advice, tax advice, accounting advice, or credit advice.

Any insights, categorisations, forecasts, AI-generated responses, summaries, or explanations are for general informational purposes only and may be incomplete, delayed, or inaccurate. You should independently verify important information and seek professional advice before making financial decisions.

6. Acceptable use

You must not use the Service in a way that is unlawful, fraudulent, abusive, or interferes with the operation of the Service or any other user's access to it.

You must not attempt to reverse engineer, scrape, copy, disrupt, overload, or circumvent any technical or security controls used in the Service, except to the extent the law cannot exclude that right.

7. Suspension and termination

We may suspend or terminate your access to the Service if we reasonably believe you have breached these Terms, used the Service unlawfully, created security or fraud risk, or where suspension is reasonably necessary to protect the Service, other users, or third parties.

You may stop using the Service at any time. Subscription cancellations are managed through the relevant app store where applicable.

If you want to request account deletion, you can contact us at [email protected]. Account deletion and data handling are subject to our Privacy Policy and any legal, regulatory, security, fraud-prevention, dispute resolution, or record-keeping requirements that apply.

8. Intellectual property

We own or license the Service, including its software, design, branding, content, and underlying intellectual property rights. These Terms do not transfer ownership of any intellectual property to you.

We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service for your personal, non-commercial use in accordance with these Terms.

9. Availability, changes and disclaimers

We aim to keep the Service available and reliable, but we do not guarantee uninterrupted availability, error-free operation, or that any feature, bank connection, category, insight, or AI response will always be available, accurate, complete, or current.

To the maximum extent permitted by law, the Service is provided on an as is and as available basis.

10. Limitation of liability

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

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive loss, or for loss of profits, revenue, business opportunity, goodwill, or anticipated savings arising out of or in connection with your use of the Service.

To the maximum extent permitted by law, our total liability to you arising out of or in connection with the Service or these Terms will be limited to the total amount you have paid to us for the Service in the 12 months before the event giving rise to the claim, or if you have not paid us any amount, A$100.

11. Indemnity

To the maximum extent permitted by law, you agree to indemnify us for loss, damage, cost, or expense reasonably incurred by us to the extent it arises from your fraudulent conduct, wilful misconduct, or unlawful use of the Service.

12. Severability

If any part of these Terms is held to be invalid, unenforceable, or unlawful, that part will be severed to the minimum extent necessary and the remainder of the Terms will continue in full force and effect.

13. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will take reasonable steps to notify you, including by updating the date at the top of this page or by notifying you through the Service where appropriate.

14. Governing law

These Terms are governed by the laws of New South Wales, Australia, unless applicable law requires otherwise. You and we submit to the non-exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia.

15. Contact us

If you have questions about these Terms, please contact us at:

[email protected]

WILIER LABS PTY LTD (ABN 57 681 703 328)
Trading as COVE MONEY
Australia