Terms of Service

Last updated: 14 March 2026

1. Agreement to Terms

By accessing or using AML Mate (“the Service”), operated by AML Mate Pty Ltd (ABN pending) (“we”, “us”, “our”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

AML Mate is a software-as-a-service platform that assists Australian businesses with AML/CTF compliance management. The Service provides tools for generating compliance plans, managing client KYC records, screening against sanctions lists, AUSTRAC reporting, and employee training.

3. Important Disclaimer

AML Mate is an information tool based on AUSTRAC's publicly available guidance and Starter Kits. It does not constitute legal, financial, or compliance advice.

We strongly recommend that you consult a qualified AML/CTF compliance professional, lawyer, or accountant before submitting any compliance program to AUSTRAC. We are not responsible for any penalties, losses, or regulatory action arising from your use of the Service.

4. Accounts

You must provide accurate information when creating an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately at support@amlmate.com.au if you suspect unauthorised access.

5. Subscriptions and Payment

• Paid plans are billed monthly in Australian Dollars (AUD) via Stripe.
• Subscriptions include a 14-day free trial. You will not be charged until the trial ends.
• You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period.
• We do not offer refunds for partial billing periods. The Setup Pack (one-time purchase) is non-refundable once the compliance plan PDF has been generated.
• We reserve the right to change pricing with 30 days' notice. Existing subscribers will be notified by email before any price change takes effect.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose.
• Attempt to gain unauthorised access to other users' accounts or our systems.
• Reverse engineer, decompile, or otherwise attempt to derive the source code of the Service.
• Resell, sublicense, or redistribute the Service or its outputs without our written consent.
• Use automated scripts to access the Service in a manner that degrades performance for other users.

7. Intellectual Property

All content, features, and functionality of the Service (excluding your data) are owned by AML Mate Pty Ltd and protected by Australian and international intellectual property laws. Compliance plans and reports generated for your business are yours to use.

8. Your Data

You retain ownership of all data you submit to the Service. We process your data solely to provide the Service. See our Privacy Policy for details on how we handle your information.

9. Limitation of Liability

To the maximum extent permitted by Australian law, AML Mate Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless AML Mate Pty Ltd and its officers, employees, and agents from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

11. Termination

We may suspend or terminate your account if you breach these Terms. We will provide reasonable notice unless the breach involves illegal activity or poses a security risk. Upon termination, you may request export of your data within 30 days.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or in-app notice at least 14 days before they take effect. Continued use of the Service after changes constitutes acceptance.

13. Governing Law

These Terms are governed by the laws of the State of New South Wales, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of New South Wales.

14. Contact

If you have questions about these Terms, contact us at support@amlmate.com.au or visit our Contact page.