When you create an account, access our analysis tools, or engage with our educational content, you're agreeing to these terms. That includes updates we make from time to time. We'll notify you of significant changes, but it's your responsibility to stay informed.

Our platform is designed for Australian market participants seeking comparative financial insights. While we welcome international users, some features may be tailored specifically for Australian companies and regulations.

Who Can Use Our Platform

• You must be at least 18 years old
• You need authority to bind any organization you represent
• Your use must comply with applicable Australian and international laws
• You can't use our platform if we've previously terminated your access

Your account is personal to you. Keep your login credentials secure. If someone gains unauthorized access, let us know immediately. You're responsible for all activity that happens under your account until you notify us of a breach.

Information Accuracy

The information you provide should be accurate and current. If your circumstances change, update your profile. Misleading information doesn't just violate these terms—it can compromise the quality of insights you receive from our comparative tools.

Our platform provides comparative analysis tools and educational resources. You can use these for legitimate research, business planning, and educational purposes. Here's what you can't do:

• Scrape, harvest, or systematically extract data using automated tools
• Resell, redistribute, or commercially exploit our analysis without permission
• Reverse engineer, decompile, or attempt to extract our source code
• Use the platform to generate competing analysis products
• Share your account access with others or create accounts on behalf of others
• Interfere with security features or attempt unauthorized access

We've built this platform for genuine business intelligence. If you're doing something that feels like it might violate these restrictions, it probably does.

Let's be direct about this: we provide analysis tools and comparative data, but we're not financial advisors. The insights generated through our platform are for informational purposes. They don't constitute investment advice, recommendations, or endorsements of any particular company or strategy.

Your Investment Decisions

You're solely responsible for your financial decisions. Consider consulting qualified financial professionals before making significant investments or business commitments. Our platform helps you compare and analyze, but the final call is always yours.

We own the platform, its design, functionality, and original content. This includes our analysis algorithms, user interface, educational materials, and the way we present comparative data. You get a license to use these for your personal or internal business purposes—nothing more.

The underlying financial data often comes from public sources or third-party providers. We don't claim ownership of facts and figures that are publicly available. But the way we organize, analyze, and present that information? That's our intellectual property.

User Content

If you submit content to our platform—maybe feedback, analysis notes, or participation in community features—you grant us a license to use that content. We need this to operate the platform effectively and improve our services. You retain ownership of your content, but we can use it within the context of providing and enhancing our services.

Different access levels come with different subscription tiers. When you subscribe, you're committing to pay the specified fees. Payments are processed securely through our payment partners.

• Subscriptions automatically renew unless you cancel before the renewal date
• We may adjust pricing with 30 days' notice to existing subscribers
• Refunds are handled according to Australian Consumer Law requirements
• If payment fails, we'll attempt to notify you before suspending access

Cancellation Policy

You can cancel anytime through your account settings. Cancellation takes effect at the end of your current billing period. You'll retain access until then, but won't be charged for subsequent periods.

How we handle your personal information is detailed in our Privacy Policy, which is incorporated into these terms by reference. The short version: we collect data necessary to operate the platform, we protect it seriously, and we don't sell your personal information to third parties.

We comply with Australian Privacy Principles and applicable data protection regulations. You have rights regarding your data, including access, correction, and deletion in certain circumstances.

To the maximum extent permitted by Australian law, we're not liable for indirect, consequential, or incidental damages arising from your use of the platform. This includes lost profits, lost data, or business interruption.

We maintain the platform with reasonable care, but we don't guarantee uninterrupted or error-free operation. Technology fails sometimes. Data providers have outages. Networks experience issues. We'll work to resolve problems quickly, but can't be held liable for circumstances beyond our reasonable control.

We can suspend or terminate your access if you violate these terms or engage in activity that harms the platform or other users. We'll usually warn you first, but reserve the right to act immediately in serious cases.

You can terminate your account at any time. Some provisions of these terms survive termination—particularly those relating to intellectual property, liability limitations, and dispute resolution.

We may update these terms periodically. Significant changes will be communicated through email or platform notifications. Continued use after changes take effect means you accept the updated terms.

If you don't agree with changes, your remedy is to stop using the platform. We understand that's not ideal, but it's the nature of evolving digital services.

These terms are governed by the laws of Queensland, Australia. Disputes will be handled in Queensland courts. Before initiating legal proceedings, we encourage you to contact us directly to resolve issues informally.

Most concerns can be addressed through direct communication. We're reasonable people running a business aimed at helping yours.