Last updated: 27 July 2026 · Version 2.0
SavvyPortfolio helps you keep track of your investments and work out your capital gains. It is built for Australian investors and follows the ATO's CGT rules.
It is not a tax agent or a financial adviser, and the figures it produces are yours to check before you use them. Nothing in these Terms affects your rights under the Australian Consumer Law.
"We", "us" and "our" means Savvy Start Agency (ABN 21 266 850 175), a registered business name of a sole trader based in New South Wales, Australia. Our full registered details are available free from the Australian Business Register at abr.business.gov.au using our ABN.
"SavvyPortfolio" means the software product we supply at savvyportfolio.com.au, on any subdomain, and through our mobile applications.
"Service" means SavvyPortfolio and all features we supply through it, on the web and in our mobile apps.
By using the Service you agree to these Terms. If you do not agree to them, please do not use the Service.
The Service is a record-keeping and calculation tool. You enter or import your own transaction data, and the Service organises it and performs calculations on it using general rules — including matching parcels first-in, first-out, as described in clause 2.4.
The Service produces working drafts and estimates for your own records and for discussion with your accountant or registered tax agent. It does not produce a tax return, a lodgement, or a final tax position.
The Service is not, and does not include:
We do not check whether the data you enter is correct or complete, and we do not review the output the Service produces for you.
We would rather tell you now than have you find out at tax time. The Service:
If any of these affect you, your accountant needs to see your position — and SavvyPortfolio will still have saved them hours of sorting through statements.
The AI assistant answers questions about your portfolio using your own data. It is an experimental feature.
Anything it says is general information, not advice. It is not a tax agent or a financial adviser, it does not know your circumstances, and nothing it says is a recommendation to buy, sell or hold anything, or advice about your tax. Clause 2.3 applies to it in full.
AI systems can produce confident, plausible and wrong answers, including wrong figures. Check anything it tells you against your own records, and with your accountant or registered tax agent, before you rely on it.
You operate the Service. You choose what data to enter, what settings and rates to apply, and what to do with the result. We supply a tool; you supply the facts, the judgement and the decisions. Anything the Service produces is your work product, made using our tool.
You are responsible for the accuracy, completeness and currency of everything you enter or import, including acquisition and disposal dates, quantities, prices, brokerage, cost base adjustments, franking rates and corporate action details. You warrant that the data you provide is accurate and complete to the best of your knowledge.
Some of the figures the Service uses are ones you set, including franking rates and percentages, cost base adjustments, and the financial year you report on. Those choices change the result, and which values are right for you depends on circumstances only you and your adviser know. The Service applies them as you enter them and does not check them against anything.
Everything the Service produces is an unverified draft. Before you rely on it, lodge anything, or make any decision, check it against your own records and — for anything concerning tax — have it reviewed by a registered tax agent. You agree that you will not rely on output you have not checked.
You are solely responsible for your own tax affairs, including your own legal obligations to take reasonable care in preparing and lodging returns and to keep records. Nothing in the Service reduces, satisfies or transfers any of those obligations.
We are not your accountant, tax agent, financial adviser or lawyer. Using the Service does not create any professional, fiduciary or advisory relationship between us. We do not know your circumstances and we do not take them into account.
Every investment, tax and financial decision you make is yours. We do not recommend or endorse any of them and we take no part in making them.
You are responsible for keeping your login details secure and — if you use the Service without an account — for backing up data held only in your own browser.
While using the Service, please do not:
Your own reports, exports and data are yours to use, keep and share however you like.
The Service has a Free tier and a Pro tier. Pro costs A$15 per month or A$120 per year, in Australian dollars. Payments are handled by Stripe, so we never see or store your card details. We are not currently registered for GST, so no GST is included in or charged on our prices.
Pro subscriptions renew automatically — monthly plans every month, annual plans every 12 months — at the price then published, until you cancel. You can cancel at any time from your account settings, effective at the end of the period you have paid for.
If SavvyPortfolio isn't for you, tell us within 30 days of your first payment and we'll refund it in full. No form, and you don't need to give a reason. After that, you can cancel any time and keep Pro access until the end of the period you've paid for. This does not limit your rights under section 7.
If a payment fails, Stripe will retry it and we will let you know so you can update your payment method. If it stays unresolved, your account reverts to the Free tier. Your data is kept and you can subscribe again at any time.
Our service comes with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law or any other law where doing so would be unlawful. If any part of these Terms would have that effect, that part does not apply to you.
This means that despite anything else in these Terms, you keep your rights in relation to services not supplied with due care and skill, or that are not reasonably fit for a purpose you told us about. If we don't provide the service with due care and skill, or it isn't what we've described, you have rights — and we'll honour them.
Nothing in this section limits anything section 7 preserves.
Subject to section 7, we are not liable for loss to the extent that it results from:
Subject to section 7, we are not liable for indirect or consequential loss, loss of profit, loss of opportunity, or loss of anticipated savings.
Subject to section 7, our total liability for all claims that do not arise under a consumer guarantee or another right that cannot be excluded is limited, in aggregate, to the greater of the fees you paid us in the 12 months before the event and AUD $250.
Each part of sections 7 and 8 operates separately. If any part is unenforceable, it is severed and the rest continues to apply.
You own the data you enter or import. You grant us only the licence we need to host, store, process and display that data in order to provide the Service to you. Nothing more.
The Service, its code and design, and the SavvyPortfolio name and logo belong to us, other than third-party materials we use under licence. Please do not use our name or logo without our permission.
If you use the Service without an account, your portfolio data stays in your browser on your device. If you have an account, it is stored in our database in Australia, in the Sydney region, and access is restricted so that only you can read your own records. You can export your data at any time, and we recommend you do so regularly.
Our Privacy Policy explains what personal information we collect and who we share it with. It forms part of these Terms.
We may change these Terms to reflect changes to the Service, the law, or our costs. We will give you at least 30 days notice before a change takes effect, by showing a notice in the Service and updating the date at the top of this page. If a change materially reduces what you receive, you may close your account before it takes effect and we will refund the unused portion of your fees.
You may close your account at any time from your account settings, or by emailing us.
We may suspend or close your account if you breach these Terms, if the law requires it, or if we stop offering the Service. Unless your breach is serious or we must act immediately, we will tell you first and give you a reasonable chance to fix it. If we close your account for any reason other than your serious breach, we will refund the unused part of what you have paid, pro-rata. You can export your data before closure and for 30 days after.
If something goes wrong, email us first at info@savvystart.com.au and we will try to resolve it with you within 30 days. These Terms are governed by the law of New South Wales, Australia, and disputes may be dealt with by the courts of New South Wales.
If any part of these Terms cannot be enforced, that part is severed and the rest continues to apply. These Terms and the Privacy Policy are the entire agreement between us about the Service.
Savvy Start Agency
ABN 21 266 850 175
Email: info@savvystart.com.au
Website: savvyportfolio.com.au
New South Wales, Australia
We aim to respond to all enquiries within 30 days.
Copyright 2024-2026 Savvy Start Agency. All rights reserved.