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.

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.

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.

Cove requires an active Cove Premium subscription to use the Service. Cove Premium is A$9.99 per month after a 7-day free trial. Pricing, billing period, trial eligibility, renewal terms, and included features will be shown to you before you subscribe.

If you subscribe through the Apple App Store, payment is charged to your Apple ID. Your subscription automatically renews monthly unless cancelled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription in your Apple ID account settings.

If you subscribe through Google Play or another app store, your purchase, billing, renewals, and cancellations are handled by that platform under its terms and policies.

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.

Cove Money offers read-only bank connections through Australia's Consumer Data Right (CDR). Cove Money is not an Accredited Data Recipient. Cove Money operates as a CDR Representative of Fiskil Pty Ltd. Fiskil Pty Ltd is the Accredited Data Recipient that collects and discloses CDR Data on behalf of Cove Money. Cove Money does not receive or store your bank login credentials. Application data, financial data, and AI-powered features are hosted and processed in Australia. Our service providers and data-handling practices are described in our Privacy Policy.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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