Legal
Terms of service
Last updated: 6 July 2026 · Version 2026-07-06
1. Who you're agreeing with
The Ahead app and getahead.money (together, "Ahead" or the "service") are provided by IO CORP PTY LTD, trading as Ahead Money ("we", "us"). These terms are a contract between you and us.
2. How you accept these terms
You accept these terms by ticking the acceptance box and creating an account. They apply from the moment your account is created. We record the date, time and version of the terms you accepted. If you don't agree, don't create an account or use the service.
3. Who can use Ahead
You must be at least 18, an Australian resident, and able to enter a binding contract. You are responsible for keeping your credentials safe and for activity under your account, and must tell us promptly if you suspect unauthorised access. Only connect bank accounts you are entitled to share.
4. What Ahead is, and what it is not
Ahead is a financial information and forecasting tool. It reads your bank data (with your consent, read-only), projects your balance forward using your real income and bills, computes an estimated tax position, and lets you model "what if" changes. Ahead does not lodge tax returns or activity statements, does not hold or move money, does not arrange, compare or recommend financial products, and does not provide credit assistance.
5. Not advice
Everything in Ahead — including every forecast, estimate, notification and what-if chat response — is factual information and general information only. It is not financial product advice, tax advice, credit assistance or legal advice, and it does not take into account your objectives, financial situation or needs. We are not licensed to provide financial product advice, and we are not a registered tax agent or BAS agent.
6. Estimates, and what they depend on
Figures in Ahead are estimates calculated from data supplied by your connected financial institutions (collected by Fiskil and shared with us as its CDR Representative) and from information you enter, using assumptions you can view and change. Their accuracy depends on the completeness of the accounts you connect, the accuracy of what you enter, and how you categorise and confirm items in the app. Forecasts are projections, not promises — actual outcomes will differ. Check the inputs and verify any figure before you act on it.
7. Get your own advice
Before acting on anything you see in Ahead — lodging or paying tax, changing loans or savings, or making any significant financial decision — obtain advice from someone licensed to give it: a registered tax agent (you can check the register at tpb.gov.au) or a licensed financial adviser.
8. The what-if chat
The what-if chat generates responses with artificial intelligence. Its answers are general information built from your own data and may be incomplete or wrong. It will not — and must not be treated as if it could — give you tax advice, financial product advice or recommendations. Verify anything important independently.
9. Your rights under the Australian Consumer Law
Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your contract with us and to a refund for the unused portion, or to compensation for its reduced value, and you are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
10. Liability
Nothing in these terms excludes, restricts or modifies any rights or remedies you have under the Australian Consumer Law or any other law that cannot lawfully be excluded. Subject to that: we are not liable for indirect or consequential loss; and our total aggregate liability for losses arising from your use of Ahead is limited to the fees you paid us in the twelve months before the event giving rise to the claim. Nothing in these terms limits our liability for fraud, or for negligence causing death or personal injury.
11. Acceptable use
Don't break the service, attempt to compromise it, scrape it, resell it, or use it for anything unlawful. Don't connect accounts you don't have permission to access. We don't ask you to indemnify us — these obligations are the extent of it.
12. Subscriptions, renewal and cancellation
Ahead is $199 per year (shown as its monthly equivalent, $16.58/month) or $25 per month, billed through the Apple App Store or Google Play. Subscriptions renew automatically until you cancel; for annual plans we will remind you before renewal. You can cancel any time through your app store subscription settings — cancellation takes effect at the end of the current billing period. Refunds are available as required by the Australian Consumer Law and your app store's policies. If we terminate your subscription other than for your breach, or make a change that materially disadvantages you, you are entitled to a pro-rata refund of any prepaid, unused portion.
13. Changes to the service or these terms
We only change these terms for legitimate reasons: legal or regulatory requirements, security, or genuine changes to the product. For material changes we will give you at least 30 days' notice by email or in-app before they take effect, and you may cancel with a pro-rata refund of any prepaid, unused portion if a change materially disadvantages you. Continuing to use Ahead after notice of a change takes effect constitutes acceptance of that change.
14. Ending the agreement
You can stop using Ahead and delete your account at any time from Settings. We may suspend or terminate your account for material breach of these terms after giving you notice and a reasonable opportunity to fix the problem (except where the breach creates a security or legal risk requiring immediate action). If we discontinue the service or terminate without cause, we will refund the prepaid, unused portion of your subscription.
15. Third-party services and data feeds
Ahead depends on services we don't control: your banks and other data holders, Fiskil's Consumer Data Right infrastructure, the Apple and Google app stores and their billing systems. We can't guarantee those services' availability or the accuracy of the data they supply, and outages or errors in them may affect what Ahead shows you.
16. Privacy and the Consumer Data Right
Our privacy policy explains how we handle your information. Ahead provides open banking data services as a CDR Representative of Fiskil Pty Ltd, an accredited data recipient under the Consumer Data Right; your CDR data is handled under Fiskil's CDR policy, available on Fiskil's website and linked from our privacy policy. You can withdraw your data-sharing consent at any time by disconnecting a bank in Settings.
17. Intellectual property
We own the service and its software, design and content; you have a personal, non-transferable licence to use it while you hold an account. Your data is yours — you can export it, and deleting your account removes it as described in the privacy policy.
18. Entire agreement
These terms and the privacy policy are the whole agreement between you and us about the service — but this clause does not exclude any rights you have under the Australian Consumer Law, or any liability for statements made fraudulently.
19. Governing law, complaints and disputes
These terms are governed by the laws of New South Wales, Australia, and disputes may be brought in any competent Australian court. If something goes wrong, contact us first at legal@getahead.money and we will try to resolve it promptly. Complaints about the handling of CDR data can also be raised with Fiskil or with the Office of the Australian Information Commissioner (oaic.gov.au). These terms contain no arbitration requirement and no class-action waiver.
20. Severance
If any part of these terms is found void or unenforceable, that part is severed and the rest continues in force.