Terms of Service

By accessing or using AML Shield Pro ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you are using the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

These Terms form a legally binding agreement between you and AML Shield Pro Pty Ltd (ACN: [Insert ACN], ABN: [Insert ABN]). If you do not agree to these Terms, do not use the Service.

AML Shield Pro provides automated transaction monitoring and screening software that helps compliance professionals identify potentially suspicious activity. The Service includes:

• Rule-based AML detection (15+ rules)
• AI-powered anomaly detection and behavioural profiling
• Sanctions and PEP screening against public lists
• SAR/SMR report drafting assistance
• Case and alert investigation workflow tools
• Compliance calendar and jurisdiction configuration

The Service is a screening aid only. It does not constitute legal advice, compliance advice, or a guarantee of compliance with any law or regulation. Results are indicative only and must be reviewed by a qualified compliance professional before acting.

Your compliance obligations remain with you.

AML Shield Pro does not act as a Reporting Entity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act) on your behalf. Use of this Service does not satisfy or substitute for:

• Your obligation to have an AML/CTF program (Part A and Part B)
• Your obligation to file Threshold Transaction Reports (TTRs) with AUSTRAC
• Your obligation to file Suspicious Matter Reports (SMRs) with AUSTRAC
• Your Know Your Customer (KYC) and Customer Due Diligence (CDD) obligations
• Staff AML/CTF training obligations
• Board and senior management oversight requirements

SMR drafts generated by AML Shield Pro are for internal reference only and must be reviewed and filed by your MLCO or authorised officer. AML Shield Pro takes no responsibility for late, missed, or incorrect regulatory filings.

Free plan: The Starter plan is available free of charge with limited functionality (5 scans/month).

Paid plans: Professional ($29/month) and Enterprise ($99/month) plans are billed monthly or annually in advance. All prices are in AUD and exclusive of GST unless stated otherwise.

Payment: Payments are processed by Stripe. By subscribing, you authorise recurring charges to your payment method. You are responsible for maintaining current payment information.

Price changes: We may change subscription prices with 30 days' written notice to your registered email address. Continued use after price change constitutes acceptance.

GST: Australian customers may be charged GST in addition to listed prices in accordance with A New Tax System (Goods and Services Tax) Act 1999.

You agree not to use the Service:

• For any unlawful purpose or in violation of any applicable law or regulation
• To process data belonging to third parties without lawful authority
• To reverse engineer, decompile, or attempt to extract source code
• To resell or sublicense the Service without written authorisation
• To overload, attack, or interfere with the Service's infrastructure
• To upload malicious code, viruses, or harmful data
• To attempt to circumvent rate limits or API restrictions

We reserve the right to suspend or terminate accounts that violate these restrictions without notice or refund.

All intellectual property in the Service — including source code, algorithms, models, documentation, trademarks, and content — is owned exclusively by AML Shield Pro Pty Ltd or its licensors.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for your internal business purposes during your subscription period.

Your data: You retain ownership of all data you upload or input into the Service. You grant us a limited licence to process that data solely to provide the Service to you.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. WE DO NOT WARRANT THAT:

• The Service will be uninterrupted, error-free, or secure
• Screening results are accurate, complete, or current
• The Service will detect all suspicious transactions or patterns
• Sanctions lists are up-to-date with the latest regulatory changes
• The Service constitutes compliance with any regulatory requirement

Nothing in these Terms excludes consumer guarantees under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) that cannot be lawfully excluded.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AML SHIELD PRO'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER THESE TERMS OR IN CONNECTION WITH THE SERVICE WILL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU IN THE 12 MONTHS PRIOR TO THE CLAIM, OR (B) AUD $500.

WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, BUSINESS, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS LIMITATION DOES NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED UNDER AUSTRALIAN LAW, INCLUDING CLAIMS UNDER THE AUSTRALIAN CONSUMER LAW.

By you: You may cancel your subscription at any time via the Settings page in your account. Cancellation takes effect at the end of the current billing period. See our Refund Policy for refund conditions.

By us: We may suspend or terminate your account with immediate effect if you breach these Terms, fail to pay fees when due, or if we reasonably believe continued service poses a legal or security risk.

Upon termination, your access to the Service ceases immediately. We will retain your data for 30 days to allow data export, after which it will be permanently deleted.

These Terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales.

Dispute resolution: Before commencing legal proceedings, you agree to contact us at legal@amlshieldpro.com to resolve the dispute informally. We will respond within 14 days. If unresolved after 30 days, either party may refer the matter to mediation through the Australian Disputes Centre before litigation.

Nothing prevents either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction.

We may update these Terms from time to time. If we make material changes, we will notify you by email at least 14 days before the changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

The current version of these Terms will always be available at amlshieldpro.com/terms.