The agreement between you and PLACEHOLDER Pty Ltd for your use of Vault.
Version 1.0 · Effective 8 September 2026 · Last updated 8 September 2026
Read clause 4 before you rely on anything Vault tells you. Vault is a calculator and a filing cabinet, not an adviser. It does not hold an Australian Financial Services Licence and it is not a registered tax agent. Nothing it produces is financial, tax, investment or legal advice.
These terms are an agreement between you and PLACEHOLDER Pty Ltd (ACN [ACN], ABN [ABN]) of [registered address], Australia — referred to below as “we”, “us” and “our”. “Vault” means our desktop application, our cloud sync service, and this website.
Contact: [email protected].
You accept these terms when you create a Vault account or start a paid plan. If you use Vault entirely offline and never create an account, these terms still govern your use of the software, but most of what follows — accounts, sync, billing — will not apply to you.
You must be at least 18 and an Australian resident. Vault is offered in Australia only. Its tax features assume Australian residency and ATO rules, and we do not offer or support it elsewhere.
You must have the legal capacity to enter this agreement. If you are using Vault on behalf of a company, you confirm you are authorised to bind it.
We grant you a personal, non-exclusive, non-transferable, revocable licence to install and use Vault on devices you control, for your own financial affairs, in accordance with these terms. You may use it for a business you operate — the app is built partly for contractors — but you may not resell it, sublicense it, or run it as a service for other people.
You may not remove our notices or branding, or attempt to circumvent the paid plan restrictions.
You may not decompile or reverse engineer Vault, except to the extent that the Copyright Act 1968 (Cth) permits it — in particular sections 47B to 47F, covering interoperability, error correction and security testing. Those rights cannot be excluded by contract, and this clause does not try to.
This is the most important clause in this document.
Investment values, prices and portfolio figures are indicative and may be delayed, incomplete or wrong. Past performance says nothing about future performance.
Some features use an AI language model — a summary of a financial year, or an answer to a question you type about your own figures. These are optional and off by default. Where a feature sends anything outside the app, we tell you exactly what and ask before the first time; the Privacy Policy lists every field.
Three things about AI output specifically:
Where you supply your own API key for a third-party model, that provider’s terms and privacy practices apply to what it receives, and we do not control them.
You own everything you put into Vault. We claim no rights over it beyond what we need to run the service you have asked for, and we cannot read your synced records — see the Privacy Policy for how that works.
Because of that design, some things are on you:
You are responsible for keeping your account credentials confidential and for everything done through your account. Tell us promptly at [email protected] if you believe it has been compromised. We recommend turning on two-factor authentication, which the app supports.
One account is for one person. Do not share it.
Vault has a free plan that is genuinely free and requires no account and no card. Manual entry, CSV import, budgets, reports, investments and the tax engine all work on it, on your own device, forever.
Paid plans, where you choose one, work like this:
Beyond the rights described in clause 9, we do not generally give refunds for a period already used. If something went wrong, email us — we would rather sort it out than argue about it.
Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with a service, you are entitled to cancel your service contract and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded. Where any part of these terms would do so, that part does not apply to you.
Some features connect to services we do not control — your bank, our open banking provider, Stripe, Up Bank, an AI provider you configure, a market-price service. Your use of those is subject to their terms, and we are not responsible for their availability, accuracy or conduct.
In particular, we do not guarantee that any bank feed will connect, stay connected, or return complete data. Banks change their systems, consents expire, and open banking coverage varies by institution. Where a feed is unavailable, CSV import works with every Australian bank, and manual entry always works.
The Privacy Policy lists every third party we use and exactly what each receives.
Do not use Vault to break the law, to launder money, to store or process someone else’s financial data without their authority, to attack our systems or anyone else’s, or to interfere with other users. Do not attempt to access accounts, data or systems that are not yours.
If you find a security vulnerability, tell us at [email protected] before telling anyone else. We will not pursue you for good-faith research that does not access other people’s data or degrade the service.
Vault is a desktop application, so most of it keeps working whether or not our servers do. Cloud sync, bank feeds and billing depend on our servers and on third parties, and we do not promise any particular level of uptime.
We release updates, and the app can install them automatically. Updates may add, change or remove features. If we remove or materially reduce a feature that is part of a plan you pay for, we will tell you at least 30 days beforehand and you may cancel and receive a pro-rata refund for the unused period.
If we ever discontinue Vault entirely, we will give you at least 90 days notice, stop charging, and make sure export keeps working so you can take your data with you. Your local vault does not stop working because we do.
Features described as preview, beta or coming soon are not promises. They may change or never ship, and you should not subscribe on the strength of them.
We own Vault — the software, the name, the design and this website — and these terms transfer none of that to you. You own your data. Any feedback you send us we may use freely to improve the product, without obligation to you.
This clause applies subject to clause 9 and does not limit anything that cannot lawfully be limited.
To the extent the law permits:
Nothing here limits our liability for fraud, or for death or personal injury caused by our negligence.
You can stop using Vault at any time — cancel any paid plan, and uninstall. To have your account and server-side data deleted, email us; the Privacy Policy sets out that process and the 30-day commitment.
We may suspend or close your account if you materially breach these terms, if we are required to by law, or if your account is being used to harm others. Except where the breach is serious or we are legally prevented, we will give you notice and a reasonable chance to fix it first, and we will refund any unused paid period.
We may update these terms. If a change materially affects your rights, we will give you at least 30 days notice by email or in the app before it takes effect, and you may cancel before then if you do not accept it. Minor changes — a corrected typo, a clearer sentence, a new contact address — take effect when published. The version and date at the top always tell you which version you are reading.
These terms are governed by the laws of New South Wales, Australia, and you and we submit to the non-exclusive jurisdiction of its courts. Nothing here prevents you from bringing a matter in a tribunal or forum that the law gives you access to.
Before anything formal, email [email protected]. We will acknowledge within 7 days and try to resolve it within 30. Most things are a misunderstanding, and most misunderstandings are cheaper to fix than to litigate.