These terms govern your access to and use of the DebtVest mobile app, website and related services. Effective as of 6 May 2026. Important: DebtVest is an educational scenario-modelling tool only. It does not provide financial, investment, tax, credit, legal, mortgage or accounting advice.

These Terms of Use ("Terms") govern your access to and use of the DebtVest mobile application, website at debtvest.app, and any related services (collectively, "DebtVest" or the "Service"). By downloading, accessing, purchasing, subscribing to, or using DebtVest, you agree to these Terms. If you do not agree, do not download or use DebtVest. DebtVest is operated by Lunara ("we", "us", or "our").

DebtVest is an educational scenario-modelling tool that helps users compare hypothetical outcomes involving debt repayment, investing, hybrid strategies, cash flow, interest rates, investment returns, tax assumptions, volatility ranges and other user-selected inputs. DebtVest may model strategies including debt-first repayment, invest-and-hold, invest-and-sell, and hybrid approaches that split surplus cash between debt repayment and investing. DebtVest may display scenario comparisons, charts, milestone estimates, payoff timing, projected debt and investment balances, tax assumptions, baseline comparisons, stress-test outputs and Monte Carlo-style simulation ranges. Results are illustrative only and depend on the assumptions you enter. Actual outcomes may differ materially.

DebtVest provides general information and educational modelling only. DebtVest is not a licensed financial adviser, credit licensee, mortgage broker, investment manager, tax agent, accountant or legal adviser in any jurisdiction. DebtVest does not provide personal financial advice, investment advice, tax advice, credit advice, legal advice, mortgage broking services, accounting services, or any financial product, loan or investment recommendation. DebtVest does not consider your personal objectives, financial situation, needs, risk tolerance, investment experience, tax position, credit circumstances, legal circumstances, family circumstances, insurance needs, estate planning needs or regulatory obligations. Nothing in DebtVest or these Terms constitutes a financial services guide, statement of advice, credit guide, product disclosure statement, tax advice document, legal advice document, or any other regulated disclosure document. Before making financial, tax, credit, legal, mortgage or investment decisions, you should consider whether the information is appropriate for your circumstances and seek advice from an appropriately qualified professional.

You are responsible for the accuracy, completeness and reasonableness of all information and assumptions you enter. You are also responsible for understanding the limitations of hypothetical modelling, checking calculations before relying on them, and independently verifying interest rates, fees, taxes, laws, investment returns, product terms, loan terms and market assumptions with your lender, adviser, accountant or other qualified professional. You must not treat DebtVest outputs as advice, instructions, recommendations, predictions, guarantees or a substitute for professional advice. You are responsible for any decisions or actions you take after using DebtVest. You must be at least 18 years old to use DebtVest.

DebtVest uses simplified assumptions, estimated settings and modelling techniques including month-by-month compounding, annualised rates, fixed holding periods, user-selected inputs, volatility ranges and Monte Carlo-style simulations. Outputs are not guarantees, forecasts, promises or predictions of future performance. Actual outcomes may differ due to many factors including changing interest rates, inflation, fees, tax law changes, product rules, market volatility, investment losses, income changes, regulatory changes and assumptions not captured in the app. Tax assumptions: DebtVest may include simplified tax assumptions for jurisdictions including Australia, New Zealand, the United States, the United Kingdom, Canada, Hong Kong and Singapore. These are broad modelling assumptions only and may not reflect your actual tax residency, entity type, marginal rate, deductions, credits, capital gains treatment, exemptions, superannuation rules, state or provincial taxes, or other tax issues. Seek advice from a qualified tax professional before relying on any tax-related output. Investment assumptions: DebtVest does not recommend any asset class, security, fund, property investment, account, product or strategy. Past performance is not a reliable indicator of future performance. Investments can rise and fall in value, and you may lose money. Debt and credit assumptions: DebtVest does not provide credit advice, lending or refinancing recommendations, mortgage broking services or suitability assessments. Debt outcomes depend on actual lender terms, fees, repayment rules, rate changes, credit eligibility and your personal circumstances. Verify all debt assumptions with your lender or a qualified professional.

DebtVest may offer free and paid features. DebtVest Pro features may include saved scenarios, check-in reminders, richer scenario comparisons, trajectory visualisations, milestone comparisons, volatility stress tests, Monte Carlo-style simulation outputs and other advanced modelling features. We may change, add, remove, limit or rename free or paid features at any time, including scenario limits, saved scenarios, charts, simulations, reminders, tax settings, jurisdictions and subscription plans. Feature availability may depend on your device, operating system, app version, store account, subscription status and technical limitations.

Paid features may be available through auto-renewable subscriptions, fixed-period passes or one-time purchases offered through Apple App Store or Google Play. Subscription prices, billing periods, trial periods, renewal terms, cancellation options and refund rights are shown by Apple or Google at the time of purchase and are managed through your app store account. Prices may vary by region, currency and promotional offer. Subscriptions renew automatically unless cancelled in accordance with the applicable app store rules. You must manage cancellation through your Apple App Store or Google Play account settings. DebtVest cannot directly cancel your Apple or Google subscription for you and does not control Apple or Google refund decisions. If you reinstall DebtVest or change devices, you may be able to restore a prior Pro purchase using the restore purchases functionality in the app, subject to your Apple or Google account being in good standing and the original purchase being valid. If you purchase through Apple, Apple's terms, standard licensed application end user licence agreement and payment rules may apply. If you purchase through Google Play, Google Play's terms and payment rules may apply.

DebtVest stores saved scenarios, check-in records, preferences, reminder settings and app settings locally on your device. We do not back up this data to DebtVest-controlled servers unless a future version of the app clearly states otherwise. If you delete the app, clear app storage, change device, reset your device, or lose access to your device, local data may be permanently lost. DebtVest is not responsible for lost local data. Check-in reminders and notifications are provided for convenience only and are not advice, warnings, deadlines or recommendations. Notification delivery may be affected by device settings, operating system behaviour, battery optimisation, app permissions or other factors outside our control.

You agree not to misuse DebtVest, interfere with app operation, attempt to bypass paid access controls, reverse engineer or copy the app except where permitted by law, use DebtVest for unlawful or misleading purposes, upload malicious code, infringe intellectual property or privacy rights, or use DebtVest in a way that could damage DebtVest, users, service providers or app store platforms. You must not use DebtVest to provide financial advice, modelling services or recommendations to others unless you are properly licensed and independently responsible for your conduct.

DebtVest, including its name, branding, interface, content, calculations, modelling methodology, algorithms, design, charts, software, copy, icons, layouts and related materials, is owned by or licensed to Lunara and is protected by intellectual property laws. You receive a limited, revocable, non-exclusive, non-transferable licence to use DebtVest for personal, non-commercial purposes, subject to these Terms and applicable app store rules. No ownership rights are transferred to you.

DebtVest may rely on third-party services such as Apple, Google, RevenueCat, PostHog, Expo, analytics providers, app infrastructure providers and customer support tools. DebtVest is not responsible for third-party platforms, outages, payment systems, app store decisions, privacy practices or terms. For iOS users, these Terms are between you and Lunara, not Apple. Apple is not responsible for DebtVest, its content, maintenance or support, except to the extent required by applicable app store terms.

DebtVest may be updated, interrupted, suspended, discontinued or changed at any time. We do not guarantee that DebtVest will always be available, compatible, error-free, secure or uninterrupted. We may release updates to fix issues, change features, improve functionality, address compliance requirements or maintain compatibility with app store rules and operating systems.

To the maximum extent permitted by law, DebtVest is provided on an "as is" and "as available" basis without warranty of any kind. We make no representation that the app will meet your needs, that calculations are error-free, or that any projected outcome will occur. Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right, warranty, remedy or liability that cannot lawfully be excluded, restricted or modified.

To the maximum extent permitted by law, DebtVest and its operators, officers, employees, contractors, suppliers and service providers are not liable for any loss, damage, cost, claim or expense arising from or connected with your use of or reliance on DebtVest, including financial decisions, investment losses, interest costs, missed opportunities, inaccurate inputs, incorrect assumptions, model limitations, tax outcomes, lost data, subscription or payment issues controlled by app stores, third-party service issues, app errors or interruptions, or unauthorised access caused by your device, account or security practices. Where liability cannot be excluded, our liability is limited to the maximum extent permitted by law.

To the maximum extent permitted by law, you agree to indemnify DebtVest and its operators against claims, losses, liabilities, damages, costs and expenses arising from your misuse of DebtVest, breach of these Terms, unlawful conduct, or use of DebtVest outputs in a way that harms another person or entity.

We may suspend or terminate your access to DebtVest if you breach these Terms, misuse the app, create legal risk, or if required by law, app store rules or technical constraints. You may stop using DebtVest at any time. Deleting the app does not automatically cancel any active subscription; you must cancel subscriptions through Apple App Store or Google Play.

DebtVest may update these Terms from time to time. The updated version will be posted at the Terms URL provided in the app and store listings. The "Effective as of" date will show when the Terms were last changed. Continued use of DebtVest after updated Terms are posted means you accept the updated Terms.

These Terms are governed by the laws of New South Wales, Australia, unless another law is required to apply. Courts located in New South Wales, Australia will have non-exclusive jurisdiction, subject to any mandatory consumer law rights that apply in your jurisdiction. If you are a consumer outside Australia, you may also have rights under consumer protection laws in your jurisdiction that cannot be excluded. We encourage you to contact us first to resolve any dispute informally before commencing formal proceedings.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions continue in full force. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding DebtVest. Our failure to enforce any right or provision does not constitute a waiver of that right or provision. You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights where permitted by law. These Terms are written in English. If there is any conflict between a translated version and the English version, the English version prevails.

For questions about these Terms, contact: Lunara / DebtVest Email: support@debtvest.app Website: https://debtvest.app