Subscription Terms & Conditions

1. Definitions

In these Terms & Conditions, the following definitions apply:

• “ExitAge”, “we”, “us”, or “our” means ExitAge (ABN 63 495 763 422), a business incorporated in Australia.
• “Platform” means the ExitAge web-based retirement calculation tool and all associated features, content, and services accessible via exitage.com or any related application.
• “Subscription” means an annual subscription to access the Platform, purchased by you in accordance with these Terms.
• “Subscriber”, “you”, or “your” means the individual or entity that has purchased a Subscription.
• “Subscription Period” means the twelve (12) month period commencing on the date your Subscription is activated, and each subsequent annual renewal period.
• “Content” means all text, data, calculations, outputs, reports, graphics, and other material made available through the Platform.
• “Personal Information” has the meaning given in applicable privacy laws in your jurisdiction, including the Australian Privacy Act 1988, the UK GDPR, the EU GDPR, and applicable US state privacy laws.
• “Intellectual Property Rights” means all patents, trademarks, copyright, trade secrets, know-how, and other intellectual or industrial property rights anywhere in the world.

2. Eligibility & Account Registration

2.1 Eligibility

To purchase a Subscription, you must:

• be at least 18 years of age;
• have the legal capacity to enter into a binding contract in your jurisdiction; and
• not be prohibited from accessing the Platform under applicable law.

2.2 Account Registration

You must create an account to access the Platform. You agree to:

• provide accurate, current, and complete information during registration;
• maintain and promptly update your account information;
• keep your login credentials confidential; and
• notify us immediately at contact@exit-age.com if you suspect unauthorised access to your account.

You are solely responsible for all activity that occurs under your account.

3. Subscription & Payment Terms

3.1 Annual Subscription

Your Subscription is billed annually in advance. The Subscription fee is as displayed on our pricing page at the time of purchase. All prices are inclusive of applicable taxes unless stated otherwise.

3.2 Automatic Renewal

Your Subscription will automatically renew at the end of each Subscription Period for a further twelve (12) months unless you cancel it before the renewal date. We will notify you by email at least thirty (30) days before your renewal date. Renewal will be charged to your nominated payment method at the then-current annual rate.

3.3 Price Changes

We reserve the right to change Subscription fees at any time. We will provide at least thirty (30) days' written notice of any price change before it takes effect at your next renewal. Continued use of the Platform after the renewal date constitutes acceptance of the revised fee.

3.4 Payment Processing

Payments are processed by a third-party payment provider. We do not store your full payment card details. By providing payment information, you authorise us to charge the applicable Subscription fee on a recurring annual basis until you cancel.

3.5 Failed Payments

If a payment fails, we will notify you and may suspend access to the Platform. We will attempt to process the payment again. If payment cannot be collected within fourteen (14) days of the renewal date, we may terminate your Subscription.

3.6 Taxes

You are responsible for any taxes applicable to your Subscription purchase, including GST (Australia), VAT (UK/EU), or sales tax (US), as applicable. Where required by law, ExitAge will collect and remit such taxes.

4. Cancellation & Refund Policy

4.1 Cancellation by You

You may cancel your Subscription at any time through your account settings. Cancellation will take effect at the end of your current Subscription Period. You will retain access to the Platform until that date.

4.2 Refunds — General

Subscription fees are non-refundable except as expressly set out below or as required by applicable consumer law.

4.3 Cooling-Off Rights

Nothing in these Terms limits your rights under applicable consumer protection legislation. In particular:

• Australia: Consumer guarantees under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010) apply where relevant. If the Platform fails to meet a consumer guarantee, you may be entitled to a remedy.
• United Kingdom: Where you are a consumer, you have the right to cancel within fourteen (14) days of purchase under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, provided you have not commenced using the Platform.
• European Union: Where you are a consumer, you have a fourteen (14) day right of withdrawal under the Consumer Rights Directive 2011/83/EU, subject to the same condition above.
• United States: Refund rights vary by state. We will honour applicable state consumer protection requirements.

4.4 Cancellation by ExitAge

We may terminate your Subscription immediately if you breach these Terms. In such a case, no refund will be due. We may also discontinue the Platform by providing thirty (30) days' written notice, in which case we will provide a pro-rata refund for any unexpired Subscription Period.

5. Permitted Use of the Platform

5.1 Licence

Subject to your compliance with these Terms and payment of the applicable Subscription fee, ExitAge grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your own personal, non-commercial purposes during the Subscription Period.

5.2 Prohibited Conduct

You must not:

• use the Platform for any commercial purpose, or on behalf of any third party, without our prior written consent;
• copy, reproduce, distribute, modify, adapt, or create derivative works of any Content;
• reverse engineer, decompile, disassemble, or attempt to extract source code from the Platform;
• share your account credentials or allow any other person to use your account;
• use automated tools (including bots, scrapers, or crawlers) to access the Platform;
• upload or transmit any material that is unlawful, harmful, defamatory, or infringes any third-party rights;
• attempt to circumvent any security measures or access any part of the Platform that you are not authorised to access; or
• use the Platform in any way that could damage, disable, overburden, or impair our systems.

6. No Financial Advice — Important Disclaimer

6.1 The Platform is a general calculation and educational tool only. Nothing on the Platform constitutes financial product advice, investment advice, tax advice, legal advice, or any other form of regulated advice, within the meaning of applicable financial services legislation including (without limitation) the Corporations Act 2001 (Cth), the Financial Services and Markets Act 2000 (UK), MiFID II (EU), or the Investment Advisers Act of 1940 (US).

6.2 ExitAge is not a licensed financial adviser, financial planner, investment manager, or financial services provider in any jurisdiction. ExitAge does not hold an Australian Financial Services Licence (AFSL), FCA authorisation, or any equivalent regulatory authorisation.

6.3 All calculations, projections, and outputs generated by the Platform are illustrative estimates based on the data and assumptions you input. They do not account for your complete financial situation, goals, needs, or risk tolerance, and should not be relied upon as a basis for any financial decision.

6.4 You should always seek independent advice from a qualified and licensed financial adviser before making any decision about retirement planning, superannuation, investments, or related matters.

6.5 ExitAge makes no representation that any retirement outcome, projection, or result displayed by the Platform will be achieved.

7. Intellectual Property

7.1 All Intellectual Property Rights in the Platform, the Content, and all underlying technology are owned by or licensed to ExitAge. These Terms do not transfer any Intellectual Property Rights to you.

7.2 You may not use any ExitAge trademark, logo, or brand feature without our prior written consent.

7.3 Any feedback, suggestions, or ideas you provide to us regarding the Platform may be used by ExitAge without restriction or compensation to you.

7.4 If you believe any content on the Platform infringes your copyright, please contact corporate@exit-age.com with details of the alleged infringement.

8. Privacy & Data

8.1 ExitAge collects and processes your Personal Information in accordance with our Privacy Policy.

8.2 We comply with applicable privacy laws including:

• the Privacy Act 1988 (Cth) and the Australian Privacy Principles (Australia);
• the UK General Data Protection Regulation and the Data Protection Act 2018 (United Kingdom);
• the General Data Protection Regulation (EU) 2016/679 (European Union); and
• applicable US state privacy laws including the California Consumer Privacy Act (CCPA) where relevant.

8.3 By using the Platform, you consent to the collection, use, and processing of your data as described in our Privacy Policy.

8.4 Data you input into the Platform (such as your age, income, and retirement assumptions) is used solely to generate your personalised calculations. We do not sell your Personal Information to third parties.

8.5 For EU and UK users, ExitAge acts as the data controller in respect of your Personal Information. You have the rights of access, rectification, erasure, restriction, portability, and objection as set out in the applicable legislation. To exercise these rights, please contact corporate@exit-age.com.

8.6 Where we transfer your Personal Information outside your jurisdiction, we will ensure appropriate safeguards are in place in accordance with applicable law (e.g., Standard Contractual Clauses for EU/UK transfers).

9. Disclaimers & Limitation of Liability

9.1 Platform Availability

The Platform is provided on an ‘as is’ and ‘as available’ basis. We do not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. We reserve the right to modify, suspend, or discontinue the Platform (or any feature) at any time with reasonable notice.

9.2 Accuracy of Calculations

Whilst we endeavour to ensure the accuracy of the Platform's calculations, we do not warrant that outputs are accurate, complete, or suitable for your purposes. All outputs are estimates only and depend entirely on the information you provide.

9.3 Limitation of Liability

To the maximum extent permitted by applicable law:

• ExitAge's total aggregate liability to you (whether in contract, tort, statute, or otherwise) arising out of or in connection with these Terms or your use of the Platform shall not exceed the total Subscription fees paid by you in the twelve (12) months preceding the event giving rise to the claim;
• ExitAge shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of savings, or loss of opportunity, howsoever arising; and
• ExitAge shall not be liable for any financial loss arising from reliance on the Platform's outputs.

9.4 Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, warranty, or other right that cannot be excluded under applicable consumer protection law (including the Australian Consumer Law). Where ExitAge's liability cannot be excluded, it is limited to, at ExitAge's option, re-supplying the service or paying the cost of having the service re-supplied.

10. Indemnity

You agree to indemnify, defend, and hold harmless ExitAge and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• your use of the Platform in breach of these Terms;
• your violation of any applicable law; or
• any reliance you place on the Platform's outputs as financial or investment advice.

11. Third-Party Services & Links

The Platform may contain links to third-party websites or integrate with third-party services (including payment processors). ExitAge is not responsible for the content, privacy practices, or terms of any third-party service. Your use of any third-party service is at your own risk and subject to that third party's terms.

12. Modifications to These Terms

We may update these Terms from time to time. We will notify you of material changes by email at least thirty (30) days before the changes take effect. If you do not agree to the revised Terms, you may cancel your Subscription before the effective date of the changes. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

13. Governing Law & Dispute Resolution

13.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New South Wales, Australia, without regard to its conflict of laws principles. However, mandatory consumer protection laws in your jurisdiction of residence may also apply and are not displaced by this clause.

13.2 Dispute Resolution

In the event of a dispute, you agree to first contact us at corporate@exit-age.com to attempt to resolve the matter informally. If the dispute cannot be resolved within thirty (30) days, either party may refer the matter to the courts of New South Wales, Australia, or to such other competent court as may be required under applicable consumer law in your jurisdiction.

13.3 EU / UK Users

If you are located in the EU or UK, you may also refer a dispute to your local alternative dispute resolution (ADR) body or national consumer authority. For UK consumers, you may contact the European Online Dispute Resolution platform (ODR platform) or the relevant trading standards authority.

14. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy and any order confirmation, constitute the entire agreement between you and ExitAge regarding the Platform and supersede all prior representations or agreements.
• Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
• Waiver: A failure by ExitAge to exercise or enforce any right under these Terms does not constitute a waiver of that right.
• Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
• Force Majeure: ExitAge is not liable for any delay or failure to perform resulting from causes beyond our reasonable control.
• Notices: Notices to you will be sent to the email address associated with your account. Notices to ExitAge should be sent to corporate@exit-age.com.
• Language: These Terms are drafted in English. Where translated versions are provided, the English version prevails in the event of any inconsistency.

15. Contact Us

If you have any questions about these Terms, please contact:

ExitAge
Email: corporate@exit-age.com
Support: contact@exit-age.com
Website: exit-age.com
Registered in Australia  |  ABN 63 495 763 422

© 2026 ExitAge. All rights reserved.