Terms of service

1. Introduction
Welcome to the Australian Compliance Institute ("we", "us", or "our"). These Terms and Conditions govern your access to and use of our websites, applications, e-learning platforms, downloadable resources, consulting services, and any other products or services we offer (collectively, the "Services"). By accessing or using any of our Services, you agree to be bound by these Terms.

2. Scope of Services and Access
We provide a range of compliance-related resources, training, and software solutions. Depending on the Service, access may be granted via a limited, non-exclusive, non-transferable, and revocable license. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.

3. Intellectual Property
All content, software, frameworks, methodologies, text, graphics, and multimedia provided through our Services are the exclusive intellectual property of the Australian Compliance Institute or our licensors. You may not reproduce, distribute, modify, reverse-engineer, or create derivative works from any part of our Services without our express written consent.

4. User Content and Conduct
If our Services allow you to upload, post, or share content (such as on forums, within corporate portals, or during webinars), you retain ownership of your data but grant us a license to use it to provide the Services. You agree not to use our Services to transmit malicious software, engage in unlawful activities, or infringe upon the rights of others.

5. Payments, Subscriptions, and B2B Agreements
Fees for our Services are stated on our platforms or in specific enterprise proposals, generally in Australian Dollars (AUD) and inclusive of GST unless otherwise specified. For corporate or enterprise clients, additional Master Services Agreements (MSAs) may apply and will operate in conjunction with these Terms.

6. Consumer Guarantees and Refunds
Our Services come with guarantees that cannot be excluded under the Australian Consumer Law (ACL). To the extent permitted by law, refunds for change-of-mind are handled at our discretion. If a Service experiences a major failure, you are entitled to remedies as outlined by the ACL.

7. Disclaimers and Limitation of Liability
The information and training provided through our Services are for educational and general informational purposes only and do not constitute formal legal, financial, or professional advice. To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, our Services.

8. Governing Law
These Terms are governed by the laws of [Insert State, e.g., New South Wales], Australia. You agree to submit to the exclusive jurisdiction of the courts located in that State for the resolution of any disputes.