Terms of service

1. About these terms

Haven is operated by Clint Brady ("Haven", "we", "us"). These terms apply when you create an account or use Haven, including havenwealth.au, the app and Havi. By creating an account you agree to them. Contact: info@havenwealth.au.

2. Eligibility and your account

You must be 18 or over and able to enter a contract. Keep your sign-in details secure and tell us promptly if you think your account has been misused. Enter accurate information and only use records you are entitled to access.

3. What Haven provides

Haven provides household finance records, budgets, reconciliation, calculations, scenarios and collaboration with household members. Customer bank feeds are not currently available; you can add accounts manually and import files. We describe features as available only once they are live.

4. General information only, not advice

Haven and Havi provide general information and tools. They do not consider your objectives, financial situation or needs, and are not financial product, tax, legal or credit advice, lender quotes or guarantees. Estimates, including childcare subsidy, take-home pay and mortgage scenarios, depend on the assumptions entered and are indicative only. Consider getting professional advice before making financial decisions.

5. Havi

Havi is optional. It works only after the household owner consents and a user asks for it. Havi's answers are AI-generated and may be incomplete or wrong. Do not rely on them as the sole basis for a decision.

6. Trial and price

A verified account can start one 30-day household trial without a payment card. Your trial starts when your household is created. Adding payment details during the trial does not shorten it. If fewer than 48 hours remain, the payment-free period may be extended slightly to meet our payment provider's checkout requirements. There is no automatic charge at the end of a trial.

After the trial, each household needs a subscription: A$9.99 per month or A$99 per year. Checkout shows the billing interval, total and tax treatment before you pay. Haven is not currently registered for GST and does not charge GST. Payments are processed by Stripe.

7. Additional households

Each eligible additional household under the same owner has its own subscription at A$2.99 per month or A$29 per year while the main household has paid or lifetime access. Otherwise the main-household price applies. Trial eligibility is limited to one verified account and does not restart with each new household.

8. Referrals

Share your household's referral link before a new customer starts a paid subscription. Their first successful, non-zero AUD subscription payment can earn your household a credit worth 20% of one payment on your current plan, for up to five qualifying referrals per Australian calendar year. Monthly plan credits reduce your next bill; annual plan credits reduce your next annual bill. Credits can add together, have no cash value and need a billing account to be applied. Self-referrals, repeat accounts and free trials alone do not qualify. We may remove credits earned through abuse, refunded or fraudulent payments.

9. Renewal and cancellation

A paid plan renews automatically at its billing interval until cancelled. The household owner can manage payment methods, invoices, plan changes and cancellation in Settings, Subscription. Cancellation takes effect at the end of the current paid period, and you keep access until then. Cancelling does not delete your records. When trial or paid access ends, your records remain available to read and export; editing needs a current subscription.

10. Price changes

We will give at least 30 days' notice before a price increase affects your renewal. You can cancel before it applies.

11. Your records

You own the information you put into Haven. You give us a licence to store, process and display it only to provide Haven to you and your household. The household owner controls membership and shared records; private accounts stay subject to their owner's visibility settings. Export your records before deleting a household. Paid billing must be cancelled before a household can be deleted. Keep your own backup of important records. Our privacy policy explains how we handle personal information.

12. Acceptable use

Do not: use Haven unlawfully or to harm others; access records or accounts you are not authorised to; enter other people's information without the right to; attempt to break, probe, overload or reverse engineer Haven; scrape it or resell access; or upload malicious code.

13. Suspension and termination

You can stop using Haven and delete your account at any time. We may suspend or close an account if it seriously or repeatedly breaches these terms, puts other users or Haven at risk, or if required by law. Except in urgent cases, we will give you notice and a chance to fix the problem, and the opportunity to export your records. If we close Haven entirely, we will give at least 60 days' notice, a chance to export your records, and a pro-rata refund of any unused prepaid period.

14. Service availability and changes

We aim to keep Haven available and secure, but it may be unavailable at times for maintenance or reasons outside our control. We may improve or change features. If a change significantly reduces what you paid for, we will tell you in advance and you can cancel and receive a pro-rata refund of any unused prepaid period.

15. Third-party services

Haven relies on providers such as Cloudflare, Supabase, Stripe, email providers and, if you use Havi, OpenAI. Optional integrations such as Slack or Discord are governed by those services' own terms.

16. Our intellectual property

Haven's software, design, brand and content belong to us or our licensors. You may use them only to use Haven under these terms.

17. Consumer rights and refunds

Nothing in these terms excludes, restricts or modifies any right or remedy under the Australian Consumer Law that cannot lawfully be excluded. If Haven does not meet a consumer guarantee, you may be entitled to a remedy, including a refund or cancellation. Contact info@havenwealth.au with your account email and a description of the problem. Do not send card details or passwords. Approved refunds are returned through Stripe to the original payment method. Cancelling a renewal does not otherwise refund unused time; your statutory rights are unaffected.

18. Liability

To the extent permitted by law, and subject to section 17: we are not liable for decisions you make based on Haven or Havi, or for loss caused by inaccurate information you enter or import; and where our liability for failing to meet a consumer guarantee can be limited, it is limited to supplying the service again or paying the cost of having it supplied again. Nothing limits our liability for fraud, or for loss caused by our negligence or breach of these terms to the extent the law does not allow it to be limited.

19. Changes to these terms

We may update these terms. We will email account holders at least 30 days before a change that is materially adverse to you takes effect. If you do not agree, you can cancel before it applies and receive a pro-rata refund of any unused prepaid period.

20. Complaints and disputes

Contact info@havenwealth.au first. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. You may also contact NSW Fair Trading or your local consumer protection agency.

21. Governing law

These terms are governed by the laws of New South Wales, Australia. You and we submit to the courts of New South Wales, without limiting any right you have to bring proceedings in your own state or territory.

Cookie and storage details

Supabase sign-in cookies and the remembered-device preference keep your session working. The beta admission cookie lasts seven days. Haven also stores appearance and interface preferences on your device and temporary setup progress in session storage. Optional passcode locking uses a secure, short-lived unlock cookie. Optional device notifications use a browser service worker and push subscription. Public website analytics, if configured, use Cloudflare Web Analytics without cookies. Analytics are excluded from the signed-in workspace.

Version history

2026-10-19: policy and terms updated for Haven’s beta, with current contact details and clear AI, subscription and data controls. Earlier notices are retained in the source history.