Terms of Service

Last updated: 21 May 2026

Effective date: 21 May 2026

Important Notice — Read Before Using Metrifly

Metrifly is a portfolio tracking and analytics tool only. It does not provide financial product advice, personal advice, general advice, investment recommendations, tax advice, or any other service that requires an Australian Financial Services Licence (AFSL). Nothing in Metrifly constitutes a recommendation to buy, sell, or hold any security or financial product.

You are solely responsible for your own investment decisions. Before acting on any information you see in Metrifly, you should consider whether it is appropriate to your personal circumstances and, where appropriate, consult a licensed financial adviser, registered tax agent, or qualified accountant. Past performance is not indicative of future results.

Market data, prices, and analytics shown in Metrifly are provided “as is” from third-party sources and may be delayed, inaccurate, or incomplete.

Tax reports (including capital gains tax and realised gain reports) are not tax advice. Techlyft is not a registered tax agent. You should consult a registered tax agent or qualified accountant before relying on any tax report generated by Metrifly.

1. About these Terms

These Terms of Service (“Terms”) are a legally binding agreement between you (“you” or “User”) and Techlyft Pty Ltd (“Techlyft”, “we”, “us”, or “our”) governing your use of the Metrifly product, the website at https://metrifly.com, and any related services (together, the “Service”).

By creating an account, accessing, or using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you must not use the Service.

2. Eligibility and Accounts

To use the Service, you must:

• Be at least 18 years old;
• Have the legal capacity to enter into a binding contract under the laws of Australia;
• Provide accurate and complete registration information and keep it up to date;
• Be responsible for safeguarding your password and any actions taken under your account.

You must notify us promptly at support@metrifly.com if you suspect unauthorised access to your account. Sharing of accounts is not permitted (see Section 9).

3. The Service

Metrifly is a subscription-based investment portfolio tracking SaaS for retail investors. The Service allows you to:

• Import trade history from supported brokers (including CommSec, nabtrade, SelfWealth, CMC Markets, Stake, and others);
• Track holdings across ASX-listed and US-listed equities and ETFs;
• View performance analytics;
• Visualise portfolio allocation across asset classes, ETFs, and individual stocks;
• Enter and manage transactions manually.

The Service is provided as software-as-a-service, accessed via a web browser. We may add, change, or remove features from time to time (see Section 18).

How Metrifly receives your data. Metrifly ingests only data that you upload or enter yourself, including broker-exported CSV files and manually entered transactions. Metrifly does not maintain a live connection to your broker accounts (whether via API, OAuth, screen-scraping, or any other means), does not request, receive, or store your broker login credentials, and has no ability to read, place, or modify trades on your behalf. You are responsible for selecting which data to upload to the Service and for the accuracy of that data.

4. Subscriptions, Billing, and Refunds

Pricing tiers. Metrifly offers a free tier and one or more paid tiers (collectively, “Subscriptions”). The current features, limits, and prices for each tier are published at https://metrifly.com/pricing.

Payment processor. All paid Subscriptions are billed through Stripe. By providing payment details, you authorise Techlyft (via Stripe) to charge the applicable fees and any taxes to your chosen payment method on the recurring billing schedule for your tier. Stripe’s terms and privacy policy also apply to your payment activity.

Billing cycle. Subscriptions auto-renew at the end of each billing period (e.g., monthly or annually) unless cancelled before the renewal date.

Cancellation. You may cancel your Subscription at any time from within your account settings. Cancellation takes effect at the end of your current paid billing period. After cancellation, your account may be downgraded to the free tier or, if you request, closed.

Refunds. Refunds are issued only at Techlyft’s discretion and, where granted, on a pro-rata basis. By default, no refunds are issued for partial billing periods. This does not limit any non-excludable rights you may have under the Australian Consumer Law (see Section 15).

Price changes. We may change prices from time to time. We will give you at least 30 days’ notice of any price increase that affects your Subscription, and the new price will take effect at your next billing cycle after the notice period.

5. No Financial Advice — Important Disclaimer

• Metrifly is a portfolio tracking and analytics tool only.
• We do not provide financial product advice, personal advice, general advice, investment recommendations, tax advice, accounting advice, or any service requiring an Australian Financial Services Licence (AFSL).
• Nothing displayed in or generated by the Service — including performance analytics, allocation visualisations, benchmarks, peer comparisons, market insights, or notifications — constitutes a recommendation, solicitation, or offer to buy, sell, or hold any security or financial product.
• All investment decisions you make are your own. You are solely responsible for them and for any resulting gains or losses.
• Where you need advice about your personal financial situation, you should consult an appropriately qualified and licensed financial adviser, registered tax agent, or accountant.
• Past performance is not indicative of future results. Historical returns shown in Metrifly do not guarantee future performance of any asset, portfolio, or strategy.

6. Data Accuracy Disclaimer

Market data, prices, corporate actions, dividends, foreign exchange rates, and analytics in the Service are sourced from third parties and provided “as is” and “as available”. We do not warrant that this data is accurate, complete, current, or free from error or delay. To the maximum extent permitted by law, Techlyft is not liable for any decisions made or actions taken in reliance on data displayed in the Service.

You should independently verify any information from Metrifly (for example, against your broker statements or official exchange data) before relying on it for any material decision, including tax reporting.

6A. Capital Gains, Realised Gain, and Tax Reports — Not Tax Advice

Metrifly may generate reports relating to capital gains tax (CGT), realised gains and losses, dividend income, franking credits, and other tax-relevant figures. Although these reports may be used to assist with computing taxation information, the information they provide:

• is not conclusive and does not constitute tax advice;
• is generated based on the data you have entered or uploaded, the methodology applied by the Service, and third-party market data, each of which may be incomplete, delayed, or inaccurate; and
• does not take into account your individual circumstances, residency status, holding-period entitlements, cost-base adjustments, off-market transactions, corporate actions, or any other factors specific to your tax position.

Techlyft is not a registered tax agent and does not provide tax advice, accounting advice, or any service requiring registration with the Tax Practitioners Board. You should consult an independent, appropriately qualified tax adviser, registered tax agent, or accountant before relying on any Metrifly-generated tax report to prepare or lodge an income tax return or for any other tax purpose.

You remain solely responsible for complying with all applicable tax, accounting, and record-keeping laws, and for verifying any Metrifly output against your own records and authoritative sources (including your broker statements, dividend statements, holding statements, and ATO records).

7. Your Content and Licence to Us

Ownership. You retain all ownership of the portfolio data, transaction records, broker CSV files, notes, and other content you upload, enter, or generate within the Service (together, “User Content”).

Licence to Techlyft. You grant Techlyft a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, process, display, and otherwise use your User Content solely to:

(a) provide, maintain, secure, and improve the Service for you; (b) provide customer support; (c) comply with legal obligations; and (d) produce aggregated and anonymised derivatives of User Content for product improvement and aggregated portfolio statistics, on the basis that such derivatives cannot reasonably be re-identified to any individual user and are not sold to third parties.

This licence ends when you delete the relevant User Content or close your account, except to the extent we are required to retain the data under law (see the Privacy Policy, Section 10) or to the extent aggregated/anonymised derivatives have already been created and no longer identify you.

You represent and warrant that you have the right to provide the User Content to us and that doing so does not breach any third-party rights or laws.

8. Our Intellectual Property

All intellectual property rights in the Service — including the Metrifly software, source code, design, branding, logos, documentation, and analytics methodologies — are owned by or licensed to Techlyft. Except for the limited right to use the Service in accordance with these Terms, no rights are granted to you in our intellectual property.

You may not copy, modify, distribute, sell, sublicense, or create derivative works of any part of the Service except as expressly permitted by these Terms or by applicable law.

9. Acceptable Use

When using the Service, you must not, and must not attempt to or permit others to:

• Scrape, crawl, or harvest data from the Service by any automated means other than through any official API we provide and within its documented limits;
• Abuse, overload, or interfere with the Service or its underlying infrastructure, including via automated abuse of the API;
• Reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying logic of the Service, except to the extent applicable law expressly permits;
• Use the Service for any illegal market activity, including insider trading, market manipulation, front-running, or any conduct that breaches the Corporations Act 2001 (Cth) or equivalent foreign securities laws;
• Share, transfer, sell, or sublicense your account or login credentials, or allow multiple individuals to use a single account;
• Upload viruses, malware, or any other harmful code;
• Bypass or attempt to bypass authentication, rate limiting, paywalls, or other access controls;
• Use the Service to send spam, harass others, or infringe the rights of any third party;
• Misrepresent your identity or impersonate another person.

We may investigate and take action against suspected breaches, including suspending or terminating your account (see Section 14).

10. API Use and Rate Limits

If we make an API available, your use of the API is subject to these Terms and to any API-specific documentation we publish.

• We apply standard per-tier rate limits, published in our API documentation. Limits may differ between the free tier and paid tiers.
• A fair use principle applies in all cases: even within published limits, you must not use the API in a way that imposes a disproportionate burden on the Service or degrades it for other users.
• We may throttle, suspend, or revoke API access where we reasonably believe these Terms or fair use have been breached.

11. Service Availability and SLA

We will use reasonable efforts to make the Service available and to fix issues promptly.

• Free tier: No service-level commitment is offered. The free tier is provided on an “as available” basis.
• Paid tiers: We target a reasonable-efforts uptime of 99.5% measured monthly, excluding planned maintenance, third-party outages, and events beyond our reasonable control. At launch, no service credits are offered if this target is not met. This may be updated in future versions of these Terms.

We may perform maintenance, updates, and emergency fixes that temporarily affect availability. Where practicable, we will give advance notice of planned maintenance.

12. Third-Party Services

The Service integrates with third-party services, including AWS (hosting, storage, database), AWS Amplify (authentication), and Stripe (payments), and relies on market data providers and broker CSV formats. We are not responsible for the acts, omissions, availability, or content of third-party services. Your use of those services may be subject to separate terms between you and the relevant provider.

13. Privacy

Our handling of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms. By using the Service, you acknowledge that you have read the Privacy Policy.

14. Suspension and Termination

Termination for convenience. You may stop using the Service and close your account at any time. We may terminate or suspend your access to the Service for convenience on reasonable notice (typically at least 30 days’ email notice to the address on your account).

Termination for breach. We may suspend or terminate your account immediately and without prior notice if you breach Section 9 (Acceptable Use), engage in conduct that may damage the Service or other users, fail to pay fees when due, or where required by law.

Effect of termination.

• Your right to use the Service ends.
• You remain liable for any fees accrued up to the date of termination.
• We will, on request and where reasonably practicable, provide you with an export of your portfolio data for a reasonable period after termination.
• We will retain or delete remaining data in accordance with our Privacy Policy, Section 10.
• Sections intended by their nature to survive (including Sections 5, 6, 7 (licence to aggregated/anonymised derivatives), 8, 15, 16, 17, 19, and 20) survive termination.

15. Disclaimers and Australian Consumer Law

To the maximum extent permitted by law, the Service is provided “as is” and “as available”, and Techlyft makes no warranties or representations of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Australian Consumer Law. Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or other applicable laws where to do so would be unlawful (“Non-excludable Rights”). To the extent permitted by law, where the Service is not of a kind ordinarily acquired for personal, domestic, or household use, Techlyft’s liability for a breach of a non-excludable consumer guarantee is limited (at our option) to the resupply of the Service or payment of the cost of having the Service resupplied.

16. Limitation of Liability

Subject to Section 15 (and to your Non-excludable Rights):

• To the maximum extent permitted by law, Techlyft will not be liable for any investment losses or for any loss, damage, cost, or expense arising from or in connection with any investment, trading, or financial decision you make (or do not make) using or based on the Service, including any losses arising from inaccurate, delayed, or incomplete market data.
• Techlyft will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, business opportunity, or data.
• Techlyft’s maximum aggregate liability to you for any reason relating to these Terms or your use of and access to the Service, whether in contract, tort (including negligence), under statute, or otherwise, will be limited, in respect of all incidents in any 12-month period, to the Subscription Fees paid by you to Techlyft in the 12 months prior to the occurrence of the first incident giving rise to the liability. Where you have not paid any Subscription Fees (for example, where you use only the free tier), Techlyft has no monetary liability to you to the maximum extent permitted by law, subject always to your Non-excludable Rights.

The exclusions and limits in this Section 16 apply to the fullest extent permitted by law and do not limit your Non-excludable Rights.

17. Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless Techlyft and its officers, employees, and contractors from and against any third-party claims, losses, damages, liabilities, and reasonable costs (including legal fees) arising from:

(a) your breach of these Terms; (b) your User Content; (c) your misuse of the Service, including any breach of Section 9 (Acceptable Use); or (d) your violation of any law or third-party right.

18. Changes to these Terms or the Service

Changes to the Service. We may add, modify, suspend, or remove features at any time. Where a change materially reduces the functionality of a paid tier, we will give you reasonable notice and, where appropriate, the option to cancel and receive a pro-rata refund for the unused portion of your current billing period.

Changes to these Terms. We may update these Terms from time to time. If a change is material, we will give you reasonable advance notice by email or through the Service. Your continued use of the Service after the new Terms take effect constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service before the changes take effect.

19. Governing Law and Disputes

These Terms are governed by the laws of New South Wales, Australia, and you and Techlyft submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts competent to hear appeals from them.

Before commencing any legal proceeding, you agree to first contact us at support@metrifly.com and to work in good faith to resolve the dispute informally for a period of at least 30 days. This does not prevent either party from seeking urgent injunctive or equitable relief.

20. General

• Entire agreement. These Terms and the Privacy Policy form the entire agreement between you and Techlyft regarding the Service.
• Severability. If any provision is held to be invalid or unenforceable, the remaining provisions remain in effect.
• No waiver. A failure by Techlyft to enforce any right is not a waiver of that right.
• Assignment. You may not assign these Terms without our prior written consent. Techlyft may assign these Terms in connection with a corporate transaction or to an affiliate.
• No agency. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship.
• Force majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control.
• Notices. Notices to you may be given by email to the address on your account or by posting in the Service. Notices to Techlyft should be sent to support@metrifly.com.

21. Contact Us

If you have questions about these Terms or the Service:

• Email: support@metrifly.com
• Entity: Techlyft Pty Ltd
• Product: Metrifly
• Website: https://metrifly.com
• Jurisdiction: Australia

These Terms of Service are governed by the laws of New South Wales, Australia.