Acceptable Use Policy

Last updated: 8 March 2026

1. Purpose

This Acceptable Use Policy (“AUP”) sets out the rules for using AML Simple (“the Service”). It supplements our Terms of Service.

2. Permitted Use

The Service is designed for Australian reporting entities to assist with AML/CTF compliance. You may use the Service to:

  • Generate and maintain your AML/CTF programme
  • Perform customer due diligence (CDD) on your clients
  • Screen clients against sanctions and PEP lists
  • Draft suspicious matter reports (SMRs) and threshold transaction reports (TTRs)
  • Maintain compliance records
  • Track staff training completion
  • Export your data for regulatory or business purposes

3. Prohibited Use

You must NOT use the Service to:

3.1 Misrepresentation

  • Present AI-generated content as your own professional advice to third parties without review
  • Claim the Service constitutes legal, compliance, or financial advice
  • Represent yourself as compliant solely by virtue of using the Service without fulfilling your actual obligations

3.2 Circumvention

  • Circumvent or attempt to circumvent screening controls
  • Input false information to obtain a desired screening result
  • Use the Service to assist with money laundering, terrorism financing, or any criminal activity
  • Structure your use to avoid triggering reporting obligations

3.3 Technical Misuse

  • Attempt to access data belonging to other organisations
  • Reverse-engineer, decompile, or extract source code from the Service
  • Use automated tools (bots, scrapers) to access the Service beyond provided APIs
  • Overload or disrupt the Service through excessive automated requests
  • Share account credentials with unauthorised persons

3.4 Data Misuse

  • Input personal information without a lawful basis
  • Use data obtained through the Service for purposes unrelated to AML/CTF compliance
  • Export screening results for use in other contexts (e.g., employment screening, credit decisions)
  • Share client compliance data with unauthorised third parties

4. Your Compliance Responsibilities

By using the Service, you acknowledge that:

  1. You remain responsible for your AML/CTF compliance — the Service is a tool, not a substitute for your obligations
  2. You must verify all outputs — AI-generated content (e.g., SMR narratives) is draft material requiring your review and approval
  3. You must independently assess whether your compliance programme meets all applicable requirements
  4. You must ensure your use of the Service complies with the AML/CTF Act 2006 (as amended), Australian Privacy Act 1988, and all other applicable laws
  5. You must train your staff on proper use of the Service and their AML/CTF obligations (the Service’s training module supports but does not replace your training programme)
  6. You must report suspicious matters to AUSTRAC — the Service assists with drafting but does not file reports on your behalf

5. No Reliance Disclaimer

The Service provides workflow tools and templates. It does not provide legal advice.

  • Do not rely on the Service as your sole source of compliance guidance
  • Consult qualified legal or compliance professionals for advice specific to your circumstances
  • AUSTRAC’s guidance and the AML/CTF Act are the authoritative sources for your obligations
  • The Service may not reflect the most recent regulatory changes — verify against official sources

6. Enforcement

Violation of this AUP may result in:

  • Warning and request to cease the prohibited activity
  • Temporary suspension of your account
  • Permanent termination of your account
  • Reporting to relevant authorities (if criminal activity is suspected)

We will use reasonable judgement and provide notice where possible before taking action.

7. Reporting Violations

If you become aware of any violation of this AUP, please contact us at [email protected].

8. Changes

We may update this AUP from time to time. Material changes will be communicated via email and in-app notification.