Terms of Service

1. Acceptance of these terms

These Terms of Service (“Terms”) govern your access to and use of Roova (“Roova”, “we”, “us”, “our”), operated by Cosmic Storage Solutions trading as Roova. By creating an account or using the service, you agree to these Terms. If you do not agree, do not use Roova.

2. What Roova is

Roova is an information and workflow tool for property investors — a single place to register your properties, loans, tenancies, maintenance and cashflow, and to produce reports over them. Roova is not financial, tax, legal or investment advice, and is not a substitute for an accountant, qualified adviser, quantity surveyor or lawyer.

Where you connect a bank or loan account, that access is read-only via Australia’s Consumer Data Right. Roova never moves money and has no payment, transfer or trading capability.

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into these Terms. Roova is built for use in Australia and for Australian property portfolios. By using it you confirm you meet these requirements.

4. Your account & security

You are responsible for the activity under your account and for keeping your credentials secure. You must keep multi-factor authentication (MFA) enabled — it is mandatory — and notify us promptly if you suspect any unauthorised access. You are responsible for the accuracy of the information you enter.

5. Account access & support

You acknowledge and consent that authorised Roova staff and administrators may access your account and the data within it — including by impersonation (“view as”) — to provide support, troubleshoot issues, and operate and maintain the service. This access is limited to authorised personnel, used only for those legitimate operational and support purposes, and recorded to an immutable, append-only audit log (who accessed what, and when). We describe how this works, and the safeguards around it, in our Privacy Policy and on our security page.

6. Data isolation

Your organisation’s data is isolated from every other customer’s, enforced at the database layer. You cannot access another customer’s data, and no other customer can access yours. Attempting to access, probe or circumvent this isolation is a breach of these Terms (see acceptable use, below).

7. Acceptable use

You agree not to:

• use Roova for any unlawful purpose, or in breach of any applicable law;
• attempt to access another customer’s data, or probe, scan or circumvent our security or tenant isolation;
• interfere with, overload or disrupt the service or its infrastructure;
• reverse-engineer, scrape or resell the service except as permitted by law; or
• upload content you do not have the right to use, or that is malicious.

8. Information, not advice

Figures, scores, projections and tax-related outputs in Roova are estimates and general information only. They depend on the data you enter and on assumptions that may not fit your circumstances. Tax and CGT outputs are general information, not tax advice. Always confirm with your accountant, tax agent or licensed adviser before acting. You are solely responsible for your investment, financial and tax decisions.

9. Third-party integrations

Roova relies on third parties — including a CDR-accredited banking aggregator and property and financial data providers. Your use of those connections is also subject to the relevant provider’s terms, and the accuracy and availability of their data is outside our control. We are not responsible for third-party services, and a third party changing or withdrawing a service may affect related features.

10. Intellectual property

Roova, including its software, design, content and trade marks, is owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable right to use the service while these Terms are in force. You retain ownership of the data you enter. You grant us the limited rights needed to host, process and display that data so we can provide the service to you.

11. No warranties & limitation of liability

Nothing in these Terms excludes, restricts or modifies any rights or remedies you have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded.

Subject to those rights, the service is provided “as is” and “as available” without warranties of any kind, and we do not warrant that it will be uninterrupted, error-free, or that any estimate or output is accurate or complete. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special or consequential loss, or for loss of profits, data, goodwill or investment outcomes. Where our liability cannot be excluded but can be limited, our liability is limited (at our option) to re-supplying the service or paying the cost of having it re-supplied.

12. Indemnity

To the extent permitted by law, you agree to indemnify us against claims, losses and costs arising from your breach of these Terms, your misuse of the service, or your breach of any law or third-party right.

13. Suspension & termination

You may stop using Roova and close your account at any time. We may suspend or terminate access if you materially breach these Terms, if required by law, or where necessary to protect the service or other customers. On termination, your right to use the service ends; we will handle your data in line with our Privacy Policy and applicable retention obligations.

14. Changes to the service or these terms

We may update the service and these Terms from time to time. When we make a material change to the Terms we will update the “Last updated” date and, where appropriate, notify you. Your continued use after a change means you accept the updated Terms.

15. Governing law

These Terms are governed by the laws of South Australia, Australia, and you and we submit to the non-exclusive jurisdiction of the courts of South Australia.

16. Contact

Last updated 27 June 2026.