Plain English

Is this
financial advice?

Fair question. Our whole thing is taking the mystery out, so here's the straight answer, without a legal department's worth of hedging.

No.

Akrue provides general financial education only. It does not take your personal circumstances into account. Nobody at Akrue tells you what to buy or sell, no real money moves through the platform, and Akrue Pty Ltd does not hold an Australian Financial Services Licence.

What Akrue is

Akrue is a financial literacy platform for 16–28 year olds in Australia. We teach the foundations that make investing possible: payslips, tax, super, rent, debt, and then teach how investing works inside a simulator that uses real ASX and US market data with simulated money.

Think of it like a flight simulator. You learn the controls, you make real decisions, you feel real turbulence, but the plane never leaves the hangar and nobody gets hurt.

What Akrue isn't

  • Not a broker. You can't buy or sell real shares on Akrue.
  • Not an investing platform. There is no real money anywhere in the product: no deposits, no withdrawals, no transfers.
  • Not an adviser. We will never tell you what you should buy, sell, pay off, or invest in. We teach how things work; what you do with that knowledge is entirely yours.

Why we don't hold an AFSL

In Australia, giving financial advice or dealing in financial products requires an Australian Financial Services Licence (AFSL). Akrue Pty Ltd doesn't hold one, because we don't do either of those things. We provide general education, which is exactly what it sounds like: information about how money and markets work, the same for every person who reads it, never tailored to your situation.

That's not a loophole: it's the design. Education and advice are different jobs. Ours is to make you the kind of person who understands what an adviser, a broker, or a product disclosure statement is actually saying.

What this means for you

  • Nothing on Akrue is a recommendation. If a lesson explains how ETFs work, that's an explanation, not a nudge to buy one.
  • Your simulator results don't predict real-world results. Practising with simulated money teaches you the mechanics and the emotions, but real markets carry real risk.
  • Before making any real financial decision, consider your own circumstances, and consider getting advice from someone licensed to give it.

Questions we haven't answered here? Try the FAQ or email admin@akrue.app.