Terms & Conditions

Last updated: 28 September 2026

These terms govern your use of the website at sterlingbay.com.au (the “Site”) and of the mobile, desktop and web applications published by Sterling Bay (the “Apps”, together with the Site the “Services”). Sterling Bay is owned by David Ball (“Sterling Bay”, “we”, “us”). By using the Services you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the Services.

1. Eligibility and accounts

You must be at least 13 years old (or the minimum age of digital consent where you live) to use the Apps, and old enough to form a binding contract, or have your parent or guardian's permission. You are responsible for keeping your sign-in details and devices secure and for activity under your account. Tell us promptly at info@sterlingbay.com.au if you suspect unauthorised use.

2. Licence to use the Apps

Subject to these terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to download, install and use the Apps on devices you own or control, for your personal or internal business purposes. You may not copy, modify, distribute, sell or lease the Apps; reverse-engineer or attempt to extract their source code, except where the law allows it; circumvent any security or usage limits; or use the Apps to build a competing product. Open-source components included in an App are licensed under their own licences, which prevail for those components.

3. Purchases and subscriptions

• Pricing. Prices are shown in the App or on the relevant store before you buy, including any applicable taxes such as GST.
• Payment through the stores. In-app purchases and subscriptions bought through the Apple App Store, Google Play or the Microsoft Store are charged to your store account and are subject to that store's terms.
• Auto-renewal. Subscriptions renew automatically at the end of each period at the then-current price unless you cancel at least 24 hours before the period ends. You can manage or cancel a subscription in your App Store, Google Play or Microsoft account settings; deleting the App does not cancel it.
• Free trials. If a free trial is offered, any unused part of it ends when you buy a subscription. If you don't cancel before the trial ends, the subscription starts and you are charged.
• Refunds. Refunds for store purchases are handled by the store under its policies (for Apple, via reportaproblem.apple.com; for Google Play, via your Google Play order history). Nothing in these terms limits your rights under the Australian Consumer Law or other consumer-protection laws.
• Restoring purchases. Use “Restore purchases” in the App to restore purchases on a new device signed in to the same store account.

4. Your content

You keep ownership of everything you create, upload or store with the Apps (“Your Content”). You grant us a limited licence to host, store, process, transmit and display Your Content only as needed to operate and improve the Services for you, and for no other purpose. You are responsible for Your Content and confirm you have the rights to use it. Keep your own backups of anything important.

5. Acceptable use

You must not use the Services to:

• break any law or infringe anyone's rights, including privacy and intellectual-property rights;
• upload malware, or probe, scan, overload or disrupt our systems or networks;
• access accounts or data that aren't yours, or scrape the Services at scale;
• send spam, or harass, threaten, defraud or impersonate others;
• create or share child sexual-abuse material, content promoting violence or terrorism, or other objectionable content;
• resell the Services without our written permission.

Apps that let users share content provide tools to report objectionable content and block abusive users. We act on reports promptly and may remove content and suspend offending accounts.

6. AI features

Some Apps use artificial-intelligence models. AI output may be inaccurate, incomplete or unsuitable for your purpose, and it is not professional (legal, financial, medical or other) advice. Review output before relying on it, especially before running code, sending messages or deploying changes it proposes. You are responsible for how you use the output.

7. Third-party services

The Services may link to or integrate with services we do not control (for example sign-in providers, AI model providers, payment processors or the products shown on our Site). Your use of those services is governed by their own terms and privacy policies, and we are not responsible for them.

8. Our intellectual property

The Services, including their software, design, text, graphics and logos, are owned by Sterling Bay or its licensors and are protected by law. The product screenshots on the Site show software built by our technology partner and are used with permission; the names and marks of those products belong to their respective owners. Feedback you give us may be used without obligation to you.

9. Investment information

Information on the Site about Sterling Bay's investment activity is general information only. It is not financial product advice, a recommendation, or an offer or invitation to buy or sell any security or financial product, and it does not take your objectives, financial situation or needs into account. Sending us a pitch does not create any obligation on either side. We treat pitch materials as confidential, but we review many opportunities and may already be considering or developing similar ideas; we cannot sign non-disclosure agreements for an initial pitch.

10. Australian Consumer Law

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition, implied or imposed by any legislation which cannot lawfully be excluded or limited. Where our liability for a breach of a non-excludable guarantee can be limited, it is limited (at our option) to resupplying the services or paying the cost of having them resupplied.

11. Disclaimers and limitation of liability

To the maximum extent permitted by law, and subject to section 10: the Services are provided “as is” and “as available”, without warranties of any kind; we do not guarantee that they will be uninterrupted, error-free or secure; and we are not liable for any indirect, incidental, special or consequential loss, or for loss of profits, revenue, data or goodwill. Our total liability arising out of or in connection with the Services is limited to the greater of the amount you paid us for the Services in the 12 months before the claim and AUD $100.

You agree to indemnify us against claims, losses and costs arising from your breach of these terms or your misuse of the Services, except to the extent caused by us.

12. Suspension and termination

You may stop using the Services and delete your account at any time (see Delete your data). We may suspend or terminate your access if you materially breach these terms, if required by law, or if we discontinue an App — in which case we will give reasonable notice where we can and, for a discontinued paid service, a pro-rata refund of any prepaid, unused period where required. Sections that by their nature should survive termination do so.

13. Apple App Store terms

If you download an App from the Apple App Store, the following also applies, and prevails over anything inconsistent in these terms:

• These terms are between you and Sterling Bay only, not Apple. Sterling Bay, not Apple, is solely responsible for the App and its content.
• Your licence to use the App is limited to use on Apple-branded products you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the App may be accessed by other accounts associated with you through Family Sharing or volume purchasing. Where these terms are silent, Apple's standard Licensed Application End User License Agreement applies.
• Apple has no obligation to provide maintenance or support for the App.
• If the App fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the App; any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to a warranty are Sterling Bay's responsibility.
• Sterling Bay, not Apple, is responsible for addressing any claims by you or a third party relating to the App or your use of it, including product-liability claims, claims that the App fails to meet legal or regulatory requirements, and claims under consumer-protection, privacy or similar laws.
• If a third party claims that the App or your use of it infringes their intellectual property, Sterling Bay, not Apple, is responsible for the investigation, defence, settlement and discharge of that claim.
• You confirm that you are not located in a country subject to a U.S. Government embargo or designated as “terrorist supporting”, and that you are not on any U.S. Government list of prohibited or restricted parties.
• Questions, complaints or claims about the App go to Sterling Bay at info@sterlingbay.com.au.
• Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, Apple may enforce them against you as a third-party beneficiary.

14. Google Play and other stores

If you download an App from Google Play, the Google Play Terms of Service also apply, and Google is not responsible for the App. The same applies, with the necessary changes, to the Microsoft Store and other distribution platforms. If a store's mandatory terms conflict with these terms, the store's terms apply to the extent of the conflict.

15. Governing law

These terms are governed by the laws in force in Australia, and you and we submit to the non-exclusive jurisdiction of the Australian courts. If you are a consumer living elsewhere, you also keep the protection of the mandatory laws of your country of residence.

16. General

We may update these terms from time to time; we will change the date above and, for material changes, notify you in the App or by email before they take effect. If you keep using the Services after that, the new terms apply. If any part of these terms is unenforceable, the rest remains in force. Our failure to enforce a term is not a waiver. You may not transfer your rights under these terms without our consent; we may transfer ours to a successor business. These terms, together with the Privacy Policy and any App-specific terms, are the entire agreement between you and us about the Services.

Contact: info@sterlingbay.com.au