Terms & Conditions

1. Acceptance of these terms

By accessing or using the Planvesto website, applications or platform, you agree to comply with these Terms & Conditions and any additional terms that may apply to specific services.

If you do not agree with these terms, you should not use the applicable Planvesto services.

2. About Planvesto

Planvesto provides a financial planning and decision platform intended to help users organise financial information, understand goals, evaluate financial considerations and make more informed decisions.

The specific functionality available to you may depend on the product, service, account or version of the platform that you use.

3. Financial information and decisions

Financial planning involves assumptions, estimates, changing circumstances and information supplied by the user. You remain responsible for reviewing information entered into the platform and for decisions you make based on your circumstances.

Planvesto does not represent that any financial outcome, return, goal or projection is guaranteed unless a specific product or service expressly provides otherwise.

4. User accounts

Some Planvesto functionality may require an account. You are responsible for maintaining the confidentiality of your account credentials and for activity carried out through your account.

You should provide accurate information and update it when necessary so that your financial planning experience remains based on reasonably current information.

5. Acceptable use

You agree not to misuse the Planvesto website or platform, interfere with its operation, attempt unauthorised access, introduce malicious code or use the service in a manner that violates applicable law.

You may not copy, reproduce, modify, distribute or exploit Planvesto content or functionality except where expressly permitted.

6. Intellectual property

Unless otherwise stated, the Planvesto name, branding, website design, software, content, graphics and other materials are owned by or licensed to Planvesto and are protected by applicable intellectual property laws.

Use of the platform does not transfer ownership of these rights to the user.

7. Third-party services

Planvesto may rely on third-party services, information sources or integrations to provide certain functionality. Third-party services may be governed by their own terms and privacy policies.

Planvesto is not responsible for the independent operation or policies of third-party services outside its control.

8. Availability and changes

Planvesto may update, modify, suspend or discontinue portions of the website or platform from time to time. Features may also change as the product develops.

Reasonable efforts may be made to maintain availability, but continuous or uninterrupted access cannot be guaranteed.

9. Disclaimers

The website and platform are provided subject to the terms and limitations applicable to the relevant service. Information may depend on user inputs, assumptions, external information and changing market or personal circumstances.

To the extent permitted by applicable law, Planvesto does not guarantee that information will always be complete, current, error-free or suitable for every individual's circumstances.

10. Limitation of liability

To the maximum extent permitted by applicable law, Planvesto will not be responsible for losses arising from matters outside its reasonable control or from decisions made by a user based on incomplete, inaccurate or outdated information supplied by the user or another source.

Nothing in these terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

11. Suspension or termination

Planvesto may restrict, suspend or terminate access where reasonably necessary to protect the platform, users, service providers or other parties, including where these terms have been breached.

Users may stop using the platform at any time, subject to any applicable contractual obligations.

12. Changes to these terms

These Terms & Conditions may be updated from time to time. The latest version will be published on this page with its applicable update date.

Continued use of the applicable services after an update may constitute acceptance of the revised terms to the extent permitted by applicable law.

13. Governing law

These terms and the relationship between you and Planvesto will be subject to the applicable laws and jurisdiction specified in the final legally approved version of these terms.

14. Contact

If you have questions about these Terms & Conditions, contact Planvesto.