Last updated: 15 February 2026

Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of our software-as-a-service (SaaS) products, including AI-assisted AML/CTF compliance features, websites, APIs, and related services (collectively, the "Services").

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

Eligibility and Accounts

You must be legally capable of entering into a binding agreement to use the Services. You are responsible for:

Providing accurate registration information
Maintaining account credentials and security
All activity under your account
Promptly notifying us of unauthorized account use

Services and Permitted Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for lawful internal business or personal use.

You must not:

Use the Services in violation of law or regulation
Upload content you do not have rights to use
Attempt unauthorized access to systems, accounts, or data
Interfere with platform performance, integrity, or security
Reverse engineer, decompile, or attempt to extract source code, except where prohibited by law
Use automated means to scrape, probe, or overload the Services without written permission

AI Outputs and Professional Advice Disclaimer

The Services may provide AI-generated analysis, summaries, and recommendations. AI output can be incomplete, inaccurate, or unsuitable for your situation. You are responsible for independently reviewing outputs and obtaining advice from qualified professionals (including legal, financial, and technical advisers) where appropriate.

The Services are not a law firm and do not provide legal advice. Use of the Services does not create a solicitor-client or attorney-client relationship.

User Content

You retain ownership of content you submit to the Services ("User Content"). You grant us and our subprocessors a worldwide, non-exclusive license to host, store, process, transmit, and display User Content solely to provide, secure, maintain, and improve the Services.

You represent and warrant that:

You have all rights and permissions necessary for User Content
User Content does not infringe third-party rights
User Content complies with applicable law and these Terms

Fees, Credits, and Payments

Certain features require paid plans, credit purchases, or subscriptions. If you purchase paid Services:

You agree to pay all applicable fees, taxes, and charges
Pricing, features, and usage limits may vary by plan
Credits and plan benefits may have validity periods and usage conditions
We may use third-party payment processors to handle payments securely

Except where required by law, paid amounts are non-refundable once consumed or once a billing period has started. Additional billing terms may be presented during checkout and form part of your purchase agreement. For details regarding refunds upon account closure, please refer to our Refund Policy.

Availability and Changes

We may modify, suspend, or discontinue parts of the Services from time to time, including features, integrations, and pricing. We may also impose or update usage limits to protect service reliability and security.

Third-Party Services

The Services may rely on or integrate with third-party platforms (for example, cloud hosting, AI providers, authentication providers, and payment processors). Your use of third-party services may be subject to their separate terms and policies, and we are not responsible for third-party services outside our control.

Suspension and Termination

We may suspend or terminate access to the Services, with or without notice, if:

You violate these Terms
Your use presents security, legal, or operational risk
Required by law or provider constraints

You may stop using the Services at any time. Sections that by nature should survive termination (for example, payment obligations, disclaimers, liability limits, and dispute terms) continue to apply.

Disclaimers

To the maximum extent permitted by law, the Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant uninterrupted, error-free, or fully secure operation of the Services.

Limitation of Liability

To the maximum extent permitted by law, we and our affiliates, officers, employees, agents, suppliers, and licensors are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, goodwill, data, or business opportunity.

To the maximum extent permitted by law, our aggregate liability for claims related to the Services will not exceed the greater of:

the amount you paid us for the Services in the 12 months before the event giving rise to the claim, or
AUD $100.

Nothing in these Terms limits liability that cannot be limited under applicable law.

Indemnity

You agree to indemnify and hold harmless us and our affiliates, officers, employees, and agents from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Services, your User Content, or your breach of these Terms.

Governing Law

These Terms are governed by the laws of New South Wales, Australia, unless mandatory local law requires otherwise. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for disputes arising from or relating to these Terms or the Services.

Changes to These Terms

We may update these Terms from time to time. If changes are material, we will provide reasonable notice through the Services or by other appropriate means. Continued use of the Services after the effective date of updated Terms constitutes acceptance.

Contact

For questions about these Terms, contact: contact@instsoft.com.au