Terms of Service

Effective: 21 April 2026 (version 2 — 14-day trial, money-back guarantee, annual billing, two-lane queries, and operator-reviewed query SLA introduced). Operated by REG MON AUS PTY LTD (ABN 49 697 171 074, ACN 697 171 074), Western Australia. These Terms govern your use of the Regulatory Monitor AU service and form a binding contract between you and us.

1. Definitions

In these Terms, capitalised words have the meanings below:

Account means the access credentials and configuration record we maintain for you in the Portal.

Acceptable Use Policy means the policy published at /acceptable-use, as amended.

Client, you, and your mean the entity that subscribes to the Service, including its authorised users.

Content means any digest, alert, article, query response, dashboard view, summary, dataset, or other material delivered through the Service.

Disclaimer means the disclaimer published at /disclaimer, as amended.

Operator, Regulatory Monitor AU, we, us, and our mean REG MON AUS PTY LTD (ABN 49 697 171 074), incorporated in Western Australia.

Portal means the web application at app.regmonitor.com.au through which you receive the Service.

Privacy Policy means the policy published at /privacy, as amended.

Service means the Regulatory Monitor AU regulatory monitoring information service, including digests, alerts, the Portal, query responses, the marketing site at regmonitor.com.au, and any related communications.

Subscription Term means the period for which you have paid for access to the Service.

2. The Service

2.1 What the Service is. The Service is an informational regulatory monitoring tool. We crawl publicly available Australian regulatory sources (including the ATO, ASIC, APRA, AER, ACCC, OAIC, FWO, FWC, DCCEEW, Treasury, the Takeovers Panel, ACNC, AASB, the TPB, the RBA, AUSTRAC, and AustLII), classify and summarise items using artificial intelligence and human editorial review, and deliver the resulting Content to you in the form of weekly digests, real-time alerts, articles, a sample digest available on request, and (for tiers that include them) responses to ad-hoc queries delivered through the two lanes described in clause 2.5.

2.2 What the Service is not. The Service is not a substitute for engaging an Australian-qualified professional adviser. The Service does not provide:

• legal advice;
• tax advice, BAS services, or any other tax agent service within the meaning of section 90-5 of the Tax Agent Services Act 2009 (Cth);
• personal financial product advice within the meaning of Chapter 7 of the Corporations Act 2001 (Cth);
• credit assistance under the National Credit Act;
• any guarantee that source materials are complete, accurate, or current;
• real-time coverage of every regulatory announcement;
• any direct application of the law to your or any third party's specific facts.

2.3 Who the Service is for. The Service is sold only to professional services firms (Australian legal practices, accounting firms, financial planning practices, compliance teams, and similar). The Service is not directed to or intended for retail consumers. By subscribing you confirm that you are subscribing in your firm's capacity, and that the firm and any user accessing the Portal will rely on the Service only as informational input subject to the firm's own professional judgment and the advice of the firm's own Australian-qualified advisers.

2.4 AI-generated Content. The Service uses large language models (currently Claude by Anthropic) to classify, score, summarise, and draft Content. We apply editorial review before publishing articles, but you must treat all Content as informational only and verify any specific claim against the cited primary source before acting.

2.5 Ad-hoc queries — the two lanes. Where your tier includes ad-hoc queries, those queries are delivered in one of two lanes, subject to the monthly allowances published on the Pricing page and the scope restrictions in the Acceptable Use Policy:

• Instant queries — answered in seconds from a pre-vetted library of general-law commentary, generated and served by our systems without individual operator review. Instant queries are informational and do not apply the law to your circumstances.
• Operator-reviewed queries — novel questions researched, drafted, and fact-checked by an Australian-based editor engaged by us. Each response includes citations to primary sources. Target delivery is described in clause 7.4. Operator-reviewed queries are informational general-law commentary; they are not legal advice, tax advice, or financial product advice, and clause 10 continues to apply.

2.6 Scope of queries. We answer only regulatory-research questions. If we determine that a query falls outside scope (for example, it seeks personal legal, tax, or financial product advice, or it applies the law to a named third party's facts), we will decline the query, return the query unit to your monthly allowance under clause 4.8, and, where possible, link you to the authoritative primary source. We decide scope at our sole reasonable discretion.

3. Subscription, billing, and renewal

3.1 Tiers. The Service is offered in tiers (currently Essentials, Professional, Partner, and Enterprise). The features and limits of each tier are described on the Pricing page, which forms part of these Terms by reference.

3.2 Fees. All fees are quoted in Australian dollars and are inclusive of GST unless otherwise stated. Invoices itemise GST separately.

3.3 Auto-renewal and autopay. Subscriptions are charged monthly in advance via Stripe to the payment method you provide. Subscriptions automatically renew at the end of each monthly billing period at the then-current price for your tier, unless you cancel under clause 4.

3.4 Failed payments. If a scheduled payment fails, we will retry the charge once approximately 24 hours later. If the retry also fails, we will suspend your Account immediately and notify you by email. You may restore access by updating your payment method and successfully clearing the outstanding balance. If the balance remains unpaid for 14 days after suspension we may terminate the subscription under clause 4.4.

3.5 Price changes. We may change subscription prices on at least 30 days' written notice to your Account email address. The new price applies from the next billing cycle after the notice period ends. Continued use of the Service after the new price takes effect is acceptance of the new price; if you do not accept, you may cancel under clause 4.1 before the new price takes effect.

3.6 Taxes. Stated fees include any applicable GST. You are responsible for any other taxes, levies, or duties payable in respect of your subscription.

3.7 Free trial. We offer a 14-day free trial (“Trial”) on each of the Essentials, Professional, and Partner tiers. The following applies to every Trial:

• Eligibility. One Trial is available per firm. We determine firm identity by ABN, billing contact, and payment-method fingerprint and may decline a second Trial to the same firm at our sole reasonable discretion.
• Capability during Trial. For the duration of the Trial, your Account has the capability of the Professional tier regardless of the tier you selected at signup. We refer to this as a reverse trial and it is a marketing promotion; nothing in clauses 5 (your obligations), 6 (IP), or the Acceptable Use Policy is waived during the Trial.
• Payment method required. A valid payment method must be provided at signup via Stripe Checkout. No charge is made during days 1 to 14.
• Start of billing. On day 15 of the Trial, we charge the payment method at the then-current rate for the tier you selected at signup and the Subscription Term begins. If no tier was selected at signup, the Account is cancelled without charge.
• Cancel during Trial. You may cancel during the Trial from the Portal or by emailing contact@regmonitor.com.au. No charge will be made and the Account will be closed on the day cancellation takes effect.

3.8 Money-back guarantee. If you are dissatisfied with the Service for any reason during the first 30 days after the first paid charge (the “Guarantee Period”), you may request a full refund of the amount paid for that first billing period. To claim the guarantee, email contact@regmonitor.com.au before the Guarantee Period expires. We will refund to the original payment method within 10 business days. The guarantee does not apply to: fees paid for custom professional-services engagements; fees paid for additional user seats or add-ons purchased outside the standard tier structure; a second claim from the same firm across different billing cycles; or any claim made after the Guarantee Period ends. The guarantee is in addition to, and does not limit, your rights under the Australian Consumer Law.

3.9 Annual billing. You may elect to be billed annually for any tier. Annual pricing is the monthly price multiplied by 10 (that is, approximately 17% less than 12 monthly payments), and is published on the Pricing page.

• Billing cadence. Annual fees are charged in advance of the 12-month Subscription Term. We email a renewal notice at least 30 days before the renewal date.
• Mid-term cancellation. If you cancel an annual subscription mid-term under clause 4.1, we calculate the refund by (a) valuing the months already used at the standard monthly rate for your tier, (b) valuing the months remaining at zero, and (c) refunding the balance (if any). Because the annual rate incorporates a prepaid discount, a mid-term cancel will generally result in a smaller refund than a straight pro-rata calculation. The money-back guarantee in clause 3.8 applies to the first 30 days of an annual subscription and overrides this sub-clause for claims made within the Guarantee Period.
• Downgrade within annual term. Tier downgrades mid-term take effect at the next annual renewal unless we otherwise agree in writing.

4. Cancellation, refunds, and termination

4.1 Cancellation by you. You may cancel your subscription at any time from the Portal or by emailing contact@regmonitor.com.au.

4.2 Pro-rata refund. When you cancel, we will refund the unused portion of the current billing month calculated pro rata to the day cancellation takes effect. Refunds are credited to the original payment method within 10 business days. We do not refund administration, set-up, or professional-services charges that have been delivered.

4.3 Effect of cancellation. Cancellation takes effect immediately on receipt. Your access to the Portal ends, and we cease to deliver digests, alerts, and query responses from that time. Articles previously published on the marketing site remain available to all readers under the licence in clause 6.

4.4 Termination by us for breach. We may suspend or terminate your subscription immediately if you materially breach these Terms (including the Acceptable Use Policy) and fail to cure that breach within 10 days of written notice, or if your account remains in payment default under clause 3.4. We may suspend without notice where the breach is of clauses 5, 6, or 9 (security, IP, or confidentiality).

4.5 Termination by us without cause. We may terminate your subscription on 30 days' notice for any reason, in which case we will refund the unused portion of any prepaid fees pro rata.

4.6 Survival. Clauses 5, 6, 7, 9, 10, 11, 12, 14, 15, 16, 17, and 19 survive termination.

4.7 Mid-term cancellation of annual subscriptions. See clause 3.9 for how a mid-term cancellation of an annual subscription is refunded.

4.8 Out-of-scope query refund. If we decline an operator-reviewed query under clause 2.6 because the query is out of scope, we will restore the query unit to your monthly operator-reviewed allowance for the billing period in which the query was submitted. The restored unit does not carry over into the next billing period. No monetary refund is payable for out-of-scope operator-reviewed queries — the restoration of the query unit is the sole and exclusive remedy. Instant queries that the system cannot answer do not consume an allowance unit in the first place and do not require a refund.

5. Your obligations

5.1 Authorised users. You may permit only employees and contractors of your firm to access the Portal. You are responsible for the actions of every user who accesses the Portal under your Account, and for keeping access credentials confidential. You must notify us immediately if you suspect unauthorised access.

5.2 Use restrictions. Your use of the Service is governed by the Acceptable Use Policy. In addition, you must not:

• on-sell, syndicate, or republish Content to third parties (other than within the limited internal-use licence in clause 6.2);
• use the Service or Content to train or fine-tune any machine-learning model;
• scrape, mirror, or systematically copy the Service or any Content (other than reasonable individual reading and internal note-taking);
• attempt to circumvent rate limits, authentication, or other technical controls;
• use the Service to defame, harass, or unlawfully target any person or entity;
• present Content to your own clients or any third party as legal, tax, or financial advice from Regulatory Monitor AU.

5.3 Onward use of Content with your clients. You may use Content as background research input to your own professional services, but any advice you give a client must be your own professional judgment, formed by you or your firm, on which your client relies. You must not represent to any client that Regulatory Monitor AU is the source of advice.

5.4 Accurate profile. You must keep your firm profile (practice areas, jurisdictions, contact details) accurate and current. We rely on it to deliver and price the Service.

6. Intellectual property and content licence

6.1 Our IP. The Service, including its software, models, prompts, classification taxonomies, and editorial outputs, is owned by us or our licensors. Nothing in these Terms transfers ownership.

6.2 Internal-use licence. Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable licence to access and use Content for the internal business purposes of your firm during the Subscription Term. You may share Content within your firm, cite Content briefly in internal notes and file memos, and link to publicly available articles on the marketing site (e.g. for client newsletters) provided each link includes the source attribution.

6.3 Source content. Content summarises or reproduces material from public regulatory sources. We do not own that source material. Where a source is licensed under Creative Commons Attribution 4.0 International (or similar) we rely on that licence and credit the source.

6.4 Your feedback. If you provide us with feedback or suggestions, you grant us a perpetual, worldwide, royalty-free licence to use the feedback in operating and improving the Service.

6.5 Rulings library. Partner and Enterprise tiers include access to a library of ATO public rulings, practical compliance guidelines, GST rulings, and similar Commonwealth source material (the “Rulings Library”). The underlying Commonwealth rulings are licensed by the Commonwealth under Creative Commons Attribution 4.0 International (or an equivalent open licence) and remain the Commonwealth's work. The summarisation, classification, cross-reference, and search layer we add to that source material is our IP and is licensed to you on the terms in clause 6.2. You may not extract the summarisation layer into a standalone product or service.

7. Service levels and availability

7.1 Best-efforts uptime. We aim for 99% Portal uptime but do not guarantee it. The Service may be unavailable from time to time for maintenance, upgrades, or causes outside our reasonable control.

7.2 Maintenance. We try to give at least 7 days' notice of scheduled maintenance windows when material disruption is expected.

7.3 Support. Support is provided by email. Response targets vary by tier and are described on the Pricing page. Enterprise support arrangements are governed by a separate written agreement.

7.4 Operator-reviewed query target delivery. We target delivery of operator-reviewed query responses (clause 2.5) within 72 hours of submission during our ordinary Australian business hours. The 72-hour target is a reasonable-efforts commitment and is not a guarantee. We do not offer service credits or monetary remedies for late delivery. If delivery is late, your sole remedies are: (a) to withdraw the query and have the query unit restored to your monthly allowance; or (b) (if applicable) the remedies in clauses 10.3 and 10.4 in respect of any non-excludable consumer guarantee. Delays caused by events outside our reasonable control (clause 13), queries that require external clarification from you before we can research them, and queries submitted during published Australian public holidays, are excluded from the 72-hour calculation.

8. Privacy and data handling

Our collection, use, and disclosure of personal information is governed by the Privacy Policy. By using the Service you acknowledge that we will handle personal information in accordance with that policy.

9. Confidentiality

Each party agrees to keep the other party's confidential information confidential and to use it only for purposes of these Terms. Confidential information does not include information that is or becomes publicly available without breach, was already known to the receiving party, or is independently developed without reference to the disclosing party's information. This clause does not prevent disclosure required by law.

10. Disclaimers and warranties

10.1 Informational only. The Service is provided strictly as informational and educational material. We do not warrant the completeness, accuracy, currency, or fitness for any particular purpose of any Content. You must verify any specific claim against the cited primary source and obtain professional advice before acting.

10.2 No professional adviser. Nothing in the Service creates a solicitor-client, tax-agent, or AFS-licensee relationship between us and you (or between us and any third party).

10.3 ACL non-excludable rights. Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or other Commonwealth, state, or territory law that cannot be excluded, restricted, or modified by agreement.

10.4 Where consumer guarantees apply. If a consumer guarantee under the Australian Consumer Law applies to the Service and the Service is not of a kind ordinarily acquired for personal, domestic, or household use or consumption, our liability for failure to comply with that guarantee is limited (at our option) to (a) re-supplying the Service or (b) paying the cost of having the Service re-supplied.

10.5 Other warranties excluded. Subject to clauses 10.3 and 10.4, all warranties, conditions, and other terms not expressly set out in these Terms (whether implied by statute, common law, custom, or trade usage) are excluded to the maximum extent permitted by law.

11. Limitation of liability

11.1 Cap. Subject to clauses 10.3 and 11.3, our total aggregate liability to you arising out of or in connection with the Service or these Terms (whether in contract, tort including negligence, statute, equity, or otherwise) in any 12-month period is limited to the greater of:

• AUD 100; and
• the total subscription fees you paid to us in the 12 months immediately before the event giving rise to the liability.

11.2 Exclusions of consequential loss. Subject to clauses 10.3 and 11.3, neither party is liable to the other for any loss of profit, loss of revenue, loss of opportunity, loss of goodwill, loss of anticipated savings, loss of data (other than the cost of restoring data from your last available backup), or any indirect, special, or consequential loss, however caused.

11.3 Carve-outs. The cap in clause 11.1 and the exclusions in clause 11.2 do not apply to: (a) liability for death or personal injury caused by negligence; (b) liability for fraud or fraudulent misrepresentation; (c) your liability under any indemnity in clause 12; (d) your breach of clause 5.2 (use restrictions), 6 (IP), or 9 (confidentiality); (e) liability that cannot be limited or excluded under the Australian Consumer Law or other Commonwealth, state, or territory law that cannot be excluded by agreement.

12. Indemnity

You indemnify us against all loss, damage, cost, and expense (including reasonable legal costs) we suffer or incur arising out of or in connection with: (a) your breach of clause 5.2, 6, or 9; (b) your use of the Service in breach of any law; or (c) your representation to any third party that Content is legal, tax, or financial product advice from Regulatory Monitor AU.

13. Force majeure

Neither party is liable for any delay or failure in performing an obligation under these Terms (other than payment obligations) caused by an event beyond that party's reasonable control, provided the affected party notifies the other promptly and uses reasonable endeavours to resume performance. If a force majeure event continues for more than 30 days, either party may terminate on notice.

14. Governing law and jurisdiction

These Terms are governed by the laws of Western Australia and the Commonwealth of Australia as applicable. The parties submit to the exclusive jurisdiction of the courts of Western Australia and the Federal Court of Australia in the Western Australia registry.

15. Dispute resolution

Before commencing court proceedings, the parties must attempt in good faith to resolve any dispute by direct discussion and, if unresolved within 14 days, by mediation. Either party may initiate mediation by written notice; the mediator is to be agreed or, failing agreement, appointed by the chair of the Resolution Institute. Each party bears its own costs of mediation. This clause does not prevent either party seeking urgent interlocutory relief.

16. Variation

We may amend these Terms from time to time. We will notify you of material changes by email at least 30 days before they take effect (changes required by law or to address security may take effect immediately). If you do not accept a material change, you may cancel under clause 4.1 before the change takes effect; continued use after that is acceptance.

17. Assignment

You may not assign or novate any rights or obligations under these Terms without our prior written consent. We may assign or novate these Terms to a successor entity in connection with a sale of substantially all of our business or assets, on notice to you.

18. Notices

Notices to us must be in writing and sent to contact@regmonitor.com.au and (where postal notice is required) to our registered office in Western Australia (address to be confirmed; pending update before commercial launch). Notices to you may be sent to the email address recorded on your Account or via the Portal. Email notices are taken to be received on the day they are sent.

19. General

19.1 Entire agreement. These Terms (together with the Privacy Policy, Disclaimer, Acceptable Use Policy, and Pricing page) are the entire agreement between the parties in respect of the Service and supersede all prior agreements and representations.

19.2 Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions continue in full force.

19.3 Waiver. A failure or delay by a party in exercising a right is not a waiver of that right.

19.4 No partnership. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between the parties.

19.5 Counterparts. These Terms may be accepted electronically through the Portal sign-up flow, by email, or otherwise. Electronic acceptance is binding.

Contact

Questions about these Terms: REG MON AUS PTY LTD, contact@regmonitor.com.au. ABN 49 697 171 074, ACN 697 171 074.