Terms of Service

By accessing or using Ripper Wealth (“the Service”), operated by Ripper Wealth Pty Ltd (ABN 86 693 448 912), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

• You must provide accurate account information
• You are responsible for maintaining the security of your account
• You must be at least 18 years old to use the Service
• One account per person (account sharing is prohibited)
• You must notify us immediately of any unauthorised access

Account Tiers

• Free account: The only account tier — all tools are free, no credit card required, no subscription
• The AI Wealth Coach requires optional AI credit packs to run analyses; all other features are unrestricted

Billing Terms

• All charges are one-time payments — there are no recurring subscriptions
• Prices are in Australian Dollars (AUD) and include GST where applicable
• Payment processing is handled securely by Stripe (PCI-DSS compliant)

AI Credit Packs

• Credits are consumable and deducted each time you use the AI Wealth Coach
• Credits do not expire while your account is active
• Credits are non-transferable and tied to your account
• Credit packs are non-refundable once purchased, except where required by Australian Consumer Law

Donations

• Donations are voluntary one-time payments to help cover hosting and operating costs
• Donations are non-refundable and do not provide any additional access or benefits
• Ripper Wealth Pty Ltd is not a Deductible Gift Recipient (DGR) — donations are not tax-deductible

Legacy Subscriptions

• Paid subscriptions were discontinued in May 2026
• Existing founding-supporter subscriptions will continue until the end of their current billing period and will not auto-renew
• No new subscriptions are available for purchase

Refund Policy

• AI credit packs and donations are non-refundable, except where a major failure of the Service occurs as defined under Australian Consumer Law
• Refund requests: email adrian@ripperwealth.com.au with your account details
• Processing time: 5–10 business days

You agree NOT to:

• Share your account credentials with others
• Redistribute, resell, or commercially exploit our content
• Use automated systems, bots, or scrapers to access the Service
• Attempt to circumvent any security measures or access restrictions
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service for any illegal purpose or in violation of any laws
• Submit false, misleading, or fraudulent information
• Harass, abuse, or harm other users or our staff

All content, including educational materials, tools, calculators, analysis methods, design elements, and software, is owned by Ripper Wealth Pty Ltd and protected by Australian and international copyright laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works without express written permission.

By submitting content to the Service (e.g., feedback, questions, reviews), you grant us a worldwide, royalty-free, perpetual licence to use, display, and distribute that content. You represent that you have the right to submit such content.

Our services come with guarantees that cannot be excluded under the Australian Consumer Law (ACL). For major failures with the service, you are entitled to:

• Obtain a refund for unused AI credits or any payment made for the failed service, or
• Compensation for the reasonably foreseeable loss or damage

For minor failures, we will remedy the issue within a reasonable time.

TO THE MAXIMUM EXTENT PERMITTED BY LAW (INCLUDING THE ACL):

• RIPPER WEALTH PTY LTD SHALL NOT BE LIABLE FOR ANY INVESTMENT LOSSES, INDIRECT DAMAGES, OR CONSEQUENTIAL DAMAGES ARISING FROM USE OF THE SERVICE
• OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM
• WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION
• YOU ACKNOWLEDGE THAT INVESTMENT DECISIONS ARE MADE AT YOUR OWN RISK

Nothing in these terms excludes, restricts, or modifies any statutory rights you may have under the ACL or other applicable consumer protection laws.

We strive for 99.9% uptime but do not guarantee uninterrupted access. The Service may be unavailable due to maintenance, updates, or circumstances beyond our control. We are not liable for any loss or inconvenience caused by service interruptions.

We reserve the right to suspend or terminate your account immediately if you breach these terms. You may close your account at any time by contacting us at adrian@ripperwealth.com.au. If you hold an active legacy subscription, cancelling your account will end access at the close of your current billing period.

Upon termination, any unused AI credits are forfeited and are not refundable. We may retain certain data as required by law.

We may update these terms from time to time. Material changes will be communicated via email at least 14 days before taking effect. Continued use after changes constitutes acceptance. If you do not agree with the changes, you must stop using the Service and may close your account.

We collect and use your personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). Your data is stored securely and will not be sold to third parties.

These terms are governed by the laws of Queensland, Australia. Any disputes arising from these terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Queensland, Australia.

Before commencing legal action, parties agree to attempt good faith negotiation for 30 days, followed by mediation if required.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.