Terms of Service

Last updated: 8 March 2026

1. Introduction

These Terms of Service (“Terms”) govern your use of AML Simple (“the Service”), operated by AML Simple (“we”, “us”, “our”), a sole trader registered in New Zealand.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. The Service

2.1 What We Provide

The Service is a software tool that assists with AML/CTF compliance workflows for Australian reporting entities. The Service provides:

  • Guided AML/CTF programme generation
  • Customer due diligence (CDD) workflow management
  • Sanctions and PEP screening
  • Report drafting assistance (SMR/TTR)
  • Record keeping and audit trail
  • Staff training content

2.2 Tool, Not Advice — Important Disclaimer

The Service (excluding the Expert Advice Add-On described in Section 2.4) is a workflow and record-keeping tool. It does NOT provide legal, compliance, or financial advice.

  • The Service does not replace the need for qualified legal or compliance advice
  • All compliance determinations (risk ratings, suspicious activity assessments, programme content) are made by you, not by us
  • AI-assisted features (such as SMR narrative drafting) produce draft content that you must review, edit, and approve before use
  • You are solely responsible for the accuracy and completeness of your AML/CTF programme and compliance activities
  • We do not guarantee that use of the Service will ensure compliance with the AML/CTF Act or any other law
  • The Service’s templates and workflows are designed to be consistent with AUSTRAC’s Programme Starter Kit structure, but consistency with a regulatory template does not constitute compliance advice or a guarantee that the output meets your specific obligations

If you require professional compliance advice, we offer an Expert Advice Add-On (Section 2.4) as a separate, clearly delineated service.

2.3 No Guarantee of Compliance

While the Service is designed to assist with AML/CTF compliance, we do not warrant that:

  • The Service covers all regulatory requirements applicable to your business
  • Templates or generated documents are legally sufficient for your circumstances
  • Screening results are complete or error-free
  • Use of the Service will prevent regulatory action against you

You must independently verify that your compliance programme meets all applicable requirements.

2.4 Expert Advice Add-On (Separate Service)

We offer an optional Expert Advice Add-On, which is a separate and distinct service from the core compliance tool:

  • Expert Advice sessions are provided by independent, qualified AML/CTF compliance professionals (“Advisors”)
  • Advisors are independent contractors, not our employees
  • Expert Advice constitutes professional compliance guidance specific to your circumstances
  • Expert Advice is subject to the Advisor’s own professional obligations and insurance
  • Liability for Expert Advice sessions is subject to the Advisor’s own terms and professional indemnity insurance, not the limitations in Section 9 of these Terms
  • By purchasing the Expert Advice Add-On, you acknowledge that the core tool (Sections 2.1–2.3) is a workflow tool only, and that professional advice is a separate, additional service
  • By choosing NOT to purchase Expert Advice, you acknowledge that you are using the Service as a tool only and are not receiving professional compliance advice

The clear separation between our tool and Expert Advice exists to ensure you understand exactly what you are purchasing. The tool helps you manage compliance workflows. Expert Advice helps you make compliance decisions. These are different services with different pricing and different responsibilities.

3. Eligibility

The Service is intended for Australian reporting entities under the AML/CTF Act 2006 (as amended). You must:

  • Be authorised to bind the organisation you register
  • Be at least 18 years of age
  • Provide accurate registration information
  • Have a valid Australian Business Number (ABN)

4. Accounts and Security

  • You are responsible for maintaining the security of your account credentials
  • You must notify us immediately of any unauthorised access
  • You are responsible for all activity under your account
  • We may suspend accounts suspected of unauthorised use

5. Subscription and Payment

5.1 Billing

  • Subscriptions are billed monthly or annually. Paddle.com Market Limited (“Paddle”) is the Merchant of Record for all subscription purchases and handles payment processing, invoicing, tax collection, and refunds
  • When you purchase a subscription, you are purchasing from Paddle, and your purchase is subject to Paddle’s Checkout Buyer Terms (available at paddle.com/legal/checkout-buyer-terms)
  • Your service agreement (including access to the Service, features, support, and data handling) remains with AML Simple
  • Prices are displayed in Australian Dollars (AUD). Applicable taxes including GST are calculated and collected by Paddle

5.2 Free Access Period

  • All paid plans are free until 1 July 2026 with full product access
  • No credit card is required to start
  • After the free access period ends, you may choose a paid plan or your account will revert to the Free tier

5.3 Changes to Pricing

  • We may change pricing with 30 days’ notice
  • Existing subscriptions continue at their current price until the next renewal
  • You may cancel before the new price takes effect

5.4 Cancellation

  • You may cancel your subscription at any time
  • Cancellation takes effect at the end of the current billing period
  • Except where you have rights under the Australian Consumer Law or the New Zealand Consumer Guarantees Act 1993, no refund is provided for the remaining period after cancellation
  • Upon cancellation, you retain read-only access to your data for 90 days
  • You may export your data at any time before or after cancellation

5.5 Refunds

  • We offer a 30-day money-back guarantee on all paid plans — if you are not satisfied within the first 30 days, you may request a full refund, no questions asked
  • All refunds are processed by Paddle as the Merchant of Record. We do not process refunds directly
  • Nothing in this section limits your rights under the Australian Consumer Law or the New Zealand Consumer Guarantees Act 1993. If the Service fails to meet a consumer guarantee, you are entitled to the remedies provided by law
  • For full details, see our Refund Policy

5.6 Digital Products

  • Digital products (such as ebooks and checklists) are sold separately through third-party platforms and are subject to their own terms of sale
  • See our Refund Policy for refund terms on digital products

6. Your Responsibilities

You agree to:

  • Provide accurate and complete information
  • Keep your account information up to date
  • Use the Service in compliance with all applicable laws
  • Not share account credentials with unauthorised persons
  • Review and verify all AI-generated content before use or submission
  • Maintain your own independent understanding of your AML/CTF obligations
  • Not rely solely on the Service for compliance decisions

7. Data and Privacy

  • Our collection and use of personal information is governed by our Privacy Policy
  • You retain ownership of all data you input into the Service
  • We process your data solely to provide the Service
  • All customer data is stored in Australia (Sydney region)
  • See our Privacy Policy for full details

8. Intellectual Property

  • We own all rights in the Service, including software, templates, and training content
  • You own all data you input and all documents you generate using the Service
  • You grant us a limited licence to process your data solely to provide the Service

9. Limitation of Liability

9.1 To the Maximum Extent Permitted by Law

  • Our total liability to you for any claims arising from or relating to the Service (other than claims arising under the Australian Consumer Law or the New Zealand Consumer Guarantees Act 1993 that cannot be limited) is limited to the total subscription fees paid by you via Paddle in the 12 months preceding the claim
  • We are not liable for any indirect, incidental, consequential, or punitive damages
  • Consistent with Section 2.2, the Service is a workflow tool and you are solely responsible for your compliance obligations, including any regulatory fines, penalties, or enforcement actions against you

9.2 Australian Consumer Law and NZ Consumer Guarantees Act

  • Nothing in these Terms excludes or limits any rights you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) or the New Zealand Consumer Guarantees Act 1993 that cannot be excluded or limited by contract
  • Where the Service is not ordinarily acquired for personal, domestic, or household use, our liability for breach of a consumer guarantee is limited to re-supplying the Service or paying the cost of re-supply, as permitted by section 64A of the Australian Consumer Law

9.3 Expert Advice Add-On

  • Liability for Expert Advice sessions is the responsibility of the independent Advisor providing the service, subject to their own terms, professional obligations, and professional indemnity insurance
  • Our liability under Section 9.1 relates to the core Service only

9.4 Acknowledgement

You acknowledge that:

  • AML/CTF compliance carries significant legal obligations and penalties
  • The Service is a tool to assist, not replace, your compliance programme
  • You are solely responsible for meeting your obligations under the AML/CTF Act

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

  • Your use of the Service
  • Your breach of these Terms
  • Your breach of any law or regulation
  • Any claim that your AML/CTF programme or compliance activities are inadequate

11. Service Availability

  • We aim for 99.5% uptime but do not guarantee uninterrupted service
  • We may perform maintenance with reasonable notice
  • We are not liable for downtime caused by third-party services, internet outages, or force majeure

12. Modifications to Terms

  • We may modify these Terms at any time
  • Material changes will be notified via email and in-app notice with 30 days’ advance notice
  • Continued use after changes take effect constitutes acceptance

13. Termination

We may suspend or terminate your account if:

  • You breach these Terms
  • You fail to pay fees when due
  • We are required to do so by law
  • We discontinue the Service (with 90 days’ notice)

Upon termination, you may export your data within 90 days.

14. Governing Law

These Terms are governed by the laws of New Zealand. Any disputes will be subject to the non-exclusive jurisdiction of the courts of New Zealand. Nothing in these Terms limits or excludes any rights you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010), the New Zealand Consumer Guarantees Act 1993, or any other consumer protection law that applies to the supply of the Service and that cannot be excluded by contract.

15. Contact

For questions about these Terms, contact us at [email protected].