Last updated: August 2026 · PortWorth Group (ABN 64 870 145 318)
PortWorth Group (ABN 64 870 145 318) is not a licensed financial adviser, stockbroker, securities dealer, credit provider, or insurance broker. PortWorth does not hold an Australian Financial Services Licence (AFSL) issued by the Australian Securities and Investments Commission (ASIC) under Part 7.6 of the Corporations Act 2001 (Cth), and is not authorised to carry on a financial services business as defined in section 911A of that Act.
PortWorth is a portfolio tracking, data aggregation, and reporting tool. It does not provide, and is not licensed to provide, any regulated financial service including but not limited to: financial product advice (whether general or personal), dealing in financial products, making a market for financial products, or operating a managed investment scheme.
All content, analysis, data, AI-generated insights, analyst consensus information, price targets, property valuations, superannuation projections, scenario modelling, and any other information provided through PortWorth are of a general informational nature only and do not constitute:
Nothing on this platform should be interpreted as a signal, suggestion, or endorsement that any particular investment action is appropriate for any person. The platform displays data. It does not tell you what to do with that data.
Your use of PortWorth does not create a fiduciary relationship, advisory relationship, financial planning relationship, or any other professional relationship between you and PortWorth Group, and its employees and contractors. PortWorth owes you no duty of care, duty of loyalty, or fiduciary duty in connection with the information displayed on the platform or any investment decision you make.
PortWorth does not know your personal financial situation, investment objectives, risk tolerance, or specific needs. No content on this platform has been tailored to your individual circumstances.
You acknowledge and agree that any investment, trading, or financial decisions you make are entirely your own and are made at your sole risk and discretion. PortWorth Group, and its employees and contractors, accept no liability whatsoever for any loss, damage, cost, or expense (whether direct, indirect, consequential, incidental, special, or punitive) arising directly or indirectly from:
By using PortWorth, you expressly assume all risks associated with your use of the platform and any reliance on its content. You acknowledge that investing in securities, property, cryptocurrency, and other assets involves substantial risk, including the risk of total loss of capital.
You agree to indemnify and hold harmless PortWorth Group, and its employees and contractors, from and against any claims, liabilities, damages, losses, costs, and expenses (including legal fees on a full indemnity basis) arising out of or in connection with your use of the platform, your reliance on any information provided through the platform, or any breach of these terms.
Before making any investment, financial, taxation, legal, or superannuation decision, you must seek independent professional advice from an appropriately licensed and qualified adviser who holds an AFSL (or is an authorised representative of an AFSL holder) and who can take into account your personal financial situation, objectives, and needs. Past performance is not indicative of future results.
PortWorth uses artificial intelligence (Claude by Anthropic) to generate scenario analyses, portfolio observations, market intelligence briefings, and research-style reports. You acknowledge and agree that all AI-generated content is informational only and:
Output from a connected AI assistant is not PortWorth content. If you connect an external assistant to your account (see Section 3), anything it says about your holdings, tax position, property, or spending is produced by that third party, not by us. We do not review, approve, or endorse it, and we have no ability to constrain what it says. The safeguards we apply to our own AI features do not reach it. Such an assistant may produce output that reads as personal financial product advice tailored to your circumstances. It is not: it is not provided by a licensed adviser, and neither PortWorth nor that assistant is authorised to give it. Treat anything a connected assistant tells you exactly as you would treat this platform's own output: general information to be independently verified, never a basis for a financial decision. Your decision to connect an assistant, and any reliance you place on what it produces, is yours alone.
Analyst consensus ratings, price targets, and broker opinions are sourced from third-party data providers and are presented as third-party data only, not as PortWorth's own analysis or endorsements.
Property valuation estimates are AI-generated approximations based on publicly available data and are not formal property valuations conducted by a licensed valuer. They should not be relied upon for any property transaction, mortgage, or legal purpose.
PortWorth makes no representation or warranty as to the accuracy, completeness, timeliness, or reliability of any data, prices, or projections. All information is provided on an "as is" and "as available" basis. Market data is sourced from Yahoo Finance, Twelve Data, CoinGecko, Finnhub, and Domain Group. Such data may be delayed, inaccurate, or unavailable and PortWorth is not responsible for errors or omissions by third-party data providers.
PortWorth Group (ABN 64 870 145 318) is the registered business name of a sole trader based on the Gold Coast, Queensland. PortWorth is not affiliated with, endorsed by, or associated with any other entity using the name "Emery Capital" or any similar name in any jurisdiction worldwide.
By accessing or using PortWorth ("the Platform", "the Service"), you agree to be bound by these Terms & Conditions. If you do not agree, do not use the Platform.
You must be at least 18 years of age and a resident of Australia to use PortWorth. By using the Platform you represent and warrant that you meet these requirements.
You agree not to use the Platform to:
PortWorth offers the following service tiers:
Feature availability is determined by your plan tier and may be adjusted by your account administrator. Plan details and current pricing are confirmed during onboarding and in your service agreement.
All content, design, software, and materials on the Platform are the intellectual property of PortWorth Group or its licensors. You may not copy, reproduce, or distribute any part of the Platform without prior written permission.
We endeavour to maintain high availability but do not warrant uninterrupted access. The Platform may be unavailable for scheduled maintenance, updates, or due to circumstances beyond our control including third-party service outages. We are not liable for any loss arising from Platform unavailability.
The Platform and all information, data, content, and services provided through it are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
To the maximum extent permitted by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) and all other applicable law:
Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law that cannot be excluded by agreement.
These terms are governed by and construed in accordance with the laws of Queensland, Australia. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Queensland.
If any provision of these terms is found to be invalid or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect.
We may update these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the revised Terms. Material changes will be notified by email with at least 14 days' notice. The "Last updated" date at the top of this page will be revised accordingly.
This Privacy Policy describes how PortWorth Group ("we", "us", "our") collects, uses, stores, and discloses your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). We are bound by the APPs as an APP entity that handles personal information in the course of providing our services.
We collect and hold the following categories of personal information:
Financial information about an individual is sensitive information under the Privacy Act. We handle your financial portfolio data with heightened care: it is stored encrypted in transit (TLS 1.2+), access is strictly controlled by authentication and per-user data isolation, and it is never shared with other clients or used for any purpose other than providing your dashboard.
We use your personal information only for the following purposes:
We will not use your personal information for any purpose that is incompatible with the above without your consent.
When you use the AI analysis or intelligence report features, a summary of your portfolio holdings (ticker symbols, position sizes, and performance data) is sent to Anthropic's Claude API to generate the analysis. We take the following precautions:
Separately from the AI features we operate, you may choose to connect an external AI assistant such as Claude or ChatGPT, or any other client supporting the Model Context Protocol, and authorise it to read your PortWorth account. This is off by default. Nothing is connected unless you set it up yourself.
This is a materially different kind of disclosure from the AI features described above, and you should understand the distinction before connecting anything:
Your data is stored in Upstash Redis hosted in the Sydney, Australia region. We implement the following security controls:
Under the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles, you have the following rights:
To exercise any of these rights, contact us at angus@portworth.com.au.
We retain your personal information for as long as your account is active. When you delete your account, your data is erased immediately rather than retained. We do not keep a copy for a retention period, and support cannot restore it.
Two things survive by necessity and are not personal financial data: a single line in our administrative log recording that an account with that username was deleted, at what time and from what IP address, which is how we can demonstrate the deletion happened; and records held by third parties in their own right: delivery records at our outbound email provider for messages already sent to you, records of inbound messages at our email parsing provider for anything you chose to forward to your import address, and invoice and payment records at Stripe, which Australian tax law requires them and us to keep. Deleting your account cancels any active subscription immediately, so no further payment is taken. Nightly encrypted infrastructure backups are kept on a rolling expiry of 8 days, so a deleted account disappears from backups within 8 days as those snapshots age out. Audit trail entries are capped at the 500 most recent per user on a rolling basis while the account is open, and the record of what a connected AI assistant has read is capped at the 200 most recent reads. Deleting your account revokes every connected assistant's access at the same time, so a connection cannot outlive the account it was granted against. Note that deletion removes our copy of your data. It cannot recall information already transmitted to an assistant you connected, which is held by that provider. Where Australian taxation law obliges us to retain a specific financial record, we will tell you at the time rather than retain it silently.
Some of our infrastructure providers are located or operate servers outside Australia (see Section 4). Before disclosing personal information to overseas recipients, we take reasonable steps to ensure those recipients do not breach the Australian Privacy Principles in relation to that information, including by only engaging providers with appropriate data processing agreements, certifications, and privacy frameworks. By using the Platform you acknowledge and consent to these cross-border disclosures where necessary for service delivery.
Connecting an AI assistant is different, and we want to be plain about it. That disclosure is made at your direction, to a recipient you choose, and most such providers are located outside Australia. We have no contractual relationship with that provider on your behalf and cannot take steps to ensure it handles your information consistently with the Australian Privacy Principles. Accordingly, Australian Privacy Principle 8.1 does not apply to that disclosure, and if the recipient mishandles your information we will not be accountable for it under Australian Privacy Principle 8.2. The consent screen shown before any connection is granted is where you are informed of this and where you consent to it. If you would rather not make a disclosure on those terms, do not connect an assistant. Every other part of the Platform works without one.
PortWorth is not intended for persons under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.
We engage the following third-party service providers in the course of operating the Platform. Each is engaged under a data processing agreement or equivalent contractual terms. Personal data is shared with these providers only to the minimum extent necessary for the specified purpose.
| Provider | Purpose | Location | Personal data shared |
|---|---|---|---|
| Vercel Inc. | Platform hosting & serverless functions | USA (AWS us-east-1) | All requests pass through Vercel infrastructure. Vercel processes request metadata (IP, headers) in the normal course of serving the application. |
| Upstash | Database storage (Redis) | Australia (Sydney region) | All user data, portfolio data, authentication credentials (hashed), session tokens, and configuration data. |
| Anthropic PBC | AI analysis (Claude API) | USA | Anonymised portfolio summaries (ticker symbols, position values). No name, email, or account credentials. API data is not used for model training. |
| Resend | Transactional email delivery | USA | Your name and email address, and the content of emails sent to you (password resets, alerts, reports). |
| Postmark (only if you use email import) | Inbound email parsing for statement import | USA | Emails you forward to your private import address, including any attachments. Contract notes and statements typically contain security names, unit counts, prices and brokerage. Nothing is received unless you choose to forward it. |
| Stripe (only if you subscribe) | Subscription billing & payments | USA | Your name, email address and billing details. Card numbers are entered directly with Stripe and never reach our servers. Stripe retains invoice and payment records in its own right, as Australian tax law requires. |
| Sentry | Error monitoring & debugging | USA | JavaScript error stack traces and browser metadata. No financial portfolio data or credentials are included in error reports. |
| PostHog (only if you opt in) | Product usage analytics | European Union | Pages viewed, browser and device type, country/city derived from IP, and a random browser identifier. No holdings, balances, transactions, documents or credentials. Session replay and click capture are disabled. Nothing is sent unless you have switched analytics on in Settings → Privacy & Data. |
| Google LLC | OAuth sign-in (optional) | USA | If you choose to sign in with Google, we receive your Google account email address and a unique identifier. No other Google data is accessed. |
| Apple Inc. | Sign in with Apple (optional) | USA | If you choose to sign in with Apple, we receive an Apple-issued identifier and optionally your email address. No other Apple data is accessed. |
| Yahoo Finance / Twelve Data / CoinGecko / Finnhub / Domain | Market data & property prices | USA / Global | No personal data is shared. These providers receive ticker symbol queries only. |
AI assistants you connect are not on this list, and that is deliberate. The providers above are engaged by us, under contract, to operate the Platform. An AI assistant you connect under Section 3 is not engaged by us at all. It is a recipient you have chosen and authorised directly. We have no data processing agreement with it, no contractual control over how it handles your information, and no ability to delete what it has received. We cannot list those providers in advance because we do not choose them; you do.
PortWorth uses a minimal set of browser storage mechanisms. We use no advertising cookies and no cross-site tracking. We use one optional analytics tool, described below, which is off unless you switch it on.
emery_jwt: your signed session token, used to authenticate every request. It is set HttpOnly, so scripts in your browser cannot read it, Secure, so it is only sent over HTTPS, and SameSite=Strict, so it is never sent from another site. It lasts 8 hours and is cleared when you log out. It is strictly necessary to keep you signed in.The dashboard keeps a working copy of your own data in your browser so it can draw instantly and survive a dropped connection. This copy never leaves your device, and it is erased when you log out.
pw_analytics): whether you allowed optional usage analytics. Stored so we only ask you once.If you use a shared or public computer, log out when you finish. Logging out removes the local copy; closing the tab alone does not.
We use PostHog, hosted in the European Union, to understand which features are used and where people get stuck. It is opt-in: no PostHog code is loaded and no request is made to PostHog until you have actively agreed. If you never answer, or if you choose "Essential only", it never runs at all.
The Platform uses a service worker for offline capability and performance optimisation (PWA). The service worker caches application assets (HTML, scripts, styles) locally on your device. It does not cache your financial data or authentication tokens. You can clear the service worker cache by clearing your browser's site data.
PortWorth takes data security seriously and maintains a data breach response procedure in accordance with the Notifiable Data Breaches (NDB) scheme under Part IIIC of the Privacy Act 1988 (Cth).
A data breach is notifiable when it is likely to result in serious harm to one or more individuals whose information is involved. This includes unauthorised access to, disclosure of, or loss of personal information where serious harm is likely.
If you discover a security vulnerability in the Platform, please report it responsibly to angus@portworth.com.au. We will acknowledge receipt within 2 business days and aim to remediate critical issues within 14 days.
For privacy enquiries, data access or deletion requests, security reports, billing questions, or complaints:
If you have a complaint about how we have handled your personal information, please contact us in the first instance. We will respond to privacy complaints within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC):