Our Terms

About Equiox

Equiox is an AI-powered wealth operating system. It's designed to help you organise, understand and monitor your financial world by bringing information from multiple sources into one intelligent platform. Equiox is an analytical and educational platform:

• It is not a financial adviser.
• It is not a bank.
• It is not a broker.
• It is not a tax agent.
• It is not a law firm.

Eligibility

You must be at least 18 years old to join the waitlist or use the Service. By using the Service, you confirm you meet this requirement.

Educational information

Equiox provides:

• Market intelligence
• Financial analytics
• Portfolio insights
• Data aggregation
• Scenario modelling
• Educational content
• Visualisations
• Artificial intelligence summaries

Equiox does not provide:

• Personal financial advice
• Investment advice
• Legal advice
• Tax advice
• Accounting advice
• Credit advice
• Insurance advice

You remain responsible for evaluating your own circumstances and making your own financial decisions. Where appropriate, seek advice from a suitably qualified professional.

Artificial intelligence

Artificial intelligence is used throughout Equiox to help organise, summarise and explain financial information. Artificial intelligence may generate incorrect, incomplete or outdated information. AI-generated content should be considered alongside your own judgement and independently verified where appropriate. Artificial intelligence is intended to assist decision-making. It does not replace professional advice.

Market information

Market prices, valuations, forecasts and other financial information displayed within Equiox may originate from third-party providers. While we take reasonable steps to use reputable sources, we cannot guarantee the completeness, accuracy or availability of third-party information. Markets change continuously, and historical performance does not guarantee future results.

Third-party integrations

Equiox may allow you to connect third-party services, such as banks, property data providers, crypto exchanges, brokerages, or open banking providers, to bring your assets into one view. We are not responsible for the availability, accuracy or security practices of those third parties. Connecting a third-party service is always your choice, and you can disconnect it at any time.

Protecting the platform

We expect all users to behave responsibly. You must not:

• Attempt to compromise the security of Equiox;
• Access data belonging to another user;
• Interfere with the operation of the platform;
• Use automated systems to extract data without permission;
• Upload malicious software;
• Attempt to exploit vulnerabilities;
• Misrepresent your identity;
• Use Equiox for unlawful purposes.

Suspension or termination

To protect our users and maintain the integrity of the platform, we may suspend or terminate access where we reasonably believe these Terms have been breached. This may include fraudulent activity, security incidents, unlawful conduct or misuse of the Service. Where appropriate, we may cooperate with law enforcement or regulatory authorities. No fees paid prior to termination for cause will be refunded.

Beta features

Founding members may get early access to features still in beta. Beta features are provided "as is," may change or be discontinued at any time, and may be less stable than the rest of the Service. We'll always try to make clear when something is in beta.

Pricing and billing

Where the Service includes paid plans, all prices are displayed and charged in United States Dollars (USD) unless expressly stated otherwise, regardless of your location. Applicable taxes may be added at checkout.

• Founding and lifetime pricing: where offered, founding or lifetime pricing is locked in for as long as you maintain that subscription without interruption.
• Renewals: subscriptions renew automatically at the then-current price unless cancelled before the renewal date.
• Price changes: we may change pricing for future billing periods with reasonable notice; changes won't apply retroactively to a period you've already paid for.
• Cancellations: you can cancel at any time; your access continues until the end of the current billing period.
• Refunds: fees are generally non-refundable, except where required by law or where we state otherwise at the time of purchase.
• Grace periods: if a payment fails, we'll give you a reasonable grace period to update your payment details before suspending access.

Your data

Our collection and use of your personal information is described in our Privacy Policy. We do not sell your personal information to third parties.

Intellectual property

The Service, including its design, branding, text, graphics and underlying software, is owned by Fly High Digital or its licensors and is protected by intellectual property laws. This includes our AI prompts, algorithms, scoring systems, financial health scores, knowledge graph, visualisations, models and generated briefings. You may not copy, modify, distribute or create derivative works from the Service without our written permission.

Availability

We aim to keep Equiox available and reliable, but we don't guarantee uninterrupted access. The Service may occasionally be unavailable due to maintenance, updates, or circumstances outside our control, including outages at the infrastructure providers we rely on.

Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee the Service will be uninterrupted, secure, or error-free, and we do not guarantee the accuracy of any market data, valuations or insights shown within it.

Limitation of liability

To the maximum extent permitted by law, Fly High Digital will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, revenue, data or goodwill, arising from your use of, or inability to use, the Service. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable consumer protection law, including the Australian Consumer Law.

Export controls

As a global service, you agree to comply with all applicable trade and export control laws, and confirm you are not located in, or a resident of, any country subject to comprehensive trade sanctions that would prohibit your use of the Service.

Force majeure

We won't be liable for any delay or failure to perform caused by events outside our reasonable control, including natural disasters, internet or infrastructure failures, war, or acts of government.

Governing law

These Terms are governed by the laws of Western Australia, Australia, without regard to conflict-of-law principles. Where you are located outside Australia, mandatory consumer protection laws of your own country or region (such as the GDPR in the EU/UK or the CCPA in California) may also apply to the extent they cannot be excluded.

Entire agreement

These Terms, together with our Privacy Policy, make up the entire agreement between you and Fly High Digital regarding the Service, and replace any earlier agreements on the same subject.

Changes to these Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms. Last updated: 3 July 2026.

Contact us

Questions about these Terms can be sent to hello@flyhighdigital.com.au.