Terms and Conditions

AML Ready is a document assembly tool. It produces AML/CTF program documents tailored to the practice profile you describe through a guided questionnaire. The AML/CTF regulatory framework runs to hundreds of pages across legislation, rules, and AUSTRAC guidance. We designed a structured document-assembly process.

The previous commercial offer has expired; no new document package is currently offered for sale. Existing paid-customer recovery remains available within its exact entitlement and retention window.

The documents are assembled from a curated block library. That library includes content adapted from publicly available AUSTRAC guidance materials (published under Creative Commons licence), rewritten for clarity and plain English readability, alongside original content authored by AML Ready to address practice-specific nuances not covered at that level of detail by the AUSTRAC starter kits. The assembly process is deterministic — your questionnaire answers select and arrange pre-reviewed content blocks. No content is generated by artificial intelligence at the point of assembly.

AUSTRAC guidance materials are used under Creative Commons licence. © AUSTRAC for the Commonwealth of Australia. AML Ready is not endorsed, approved, or affiliated with AUSTRAC or the Australian Government.

AML Ready is not a law firm, compliance consultancy, or AUSTRAC-registered service provider. It does not provide legal advice, compliance advice, or regulatory guidance. It is a tool that helps you build your AML/CTF program documentation.

When you purchase AML Ready, you receive a set of AML/CTF program documents in editable format, assembled to reflect the practice profile you described during the questionnaire. The documents are yours to keep, modify, and use as you see fit.

This is a one-time purchase. There is no subscription, no ongoing access fee, and no obligation to purchase updates.

Pricing is displayed inclusive of GST on the checkout page. Current pricing tiers are published at amlready.au and may be updated from time to time. The price applicable to your purchase is the price displayed at the time of checkout.

If you are purchasing AML Ready, you are likely a reporting entity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), or you are preparing to become one. Your obligations under that Act are set by Parliament and enforced by AUSTRAC. They belong to you.

No tool, consultant, or third party can assume your compliance obligations on your behalf. This is not a limitation of AML Ready — it is the way the regulatory framework operates. A compliance consultant who writes your AML/CTF program from scratch would tell you the same thing: you must review, understand, adopt, and implement the program as your own. You are responsible for ensuring it reflects the actual circumstances of your practice.

In particular, you are responsible for:

• ▪Reviewing every document AML Ready produces before you adopt it as part of your AML/CTF program
• ▪Ensuring the information you provide during the questionnaire is accurate and complete
• ▪Adapting the documents where your practice has circumstances not captured by the questionnaire
• ▪Implementing the program in your day-to-day operations — the documents describe what to do, but doing it is your professional obligation
• ▪Making ongoing compliance decisions, including customer due diligence assessments, suspicious matter identification, and reporting
• ▪Keeping your AML/CTF program current as your practice, risk profile, or regulatory guidance changes
• ▪Enrolling with AUSTRAC and meeting all registration and reporting deadlines

AML Ready gives you a strong starting point. What you build on it is up to you.

The quality of your output depends on the accuracy of what you tell us. AML Ready assembles documents based on the practice profile you describe. If you provide inaccurate or incomplete information — for example, if you indicate you do not handle trust account funds when you do — the resulting documents will not reflect your actual compliance needs.

You warrant that the information you provide during the questionnaire is true, accurate, and complete to the best of your knowledge at the time of purchase.

The assembled documents are yours. Once purchased, you may use, modify, reproduce, and distribute them within your practice without restriction.

The AML Ready platform, questionnaire logic, block library (including all original authored content and the selection, arrangement, adaptation, and routing logic applied to source materials), assembly engine, branding, and all associated software remain the intellectual property of Modicum Atelier Pty Ltd. You may not reproduce, reverse-engineer, or redistribute any part of the platform or its underlying systems.

Portions of the block library are derived from AUSTRAC guidance materials published under Creative Commons Attribution licence. AML Ready does not claim exclusive copyright over AUSTRAC's original publications. Our intellectual property resides in the original content we have authored, the plain English adaptations, and the routing and assembly logic that produces tailored output.

AML Ready is a digital product whose secure generation begins after Stripe confirms payment. Delivery will ordinarily follow shortly, but may be delayed while generation, private storage, signed-webhook recovery or transactional-email retries complete. Because the delivered documents are editable digital files, refunds are not available solely for change of mind.

If AML Ready fails to deliver your documents, if the documents cannot be opened or are corrupted, or if the assembly engine produces output that is fundamentally unrelated to the practice profile you described, contact us at support@amlready.au and we will either resolve the issue or provide a full refund.

Nothing in these terms excludes, restricts, or modifies any consumer guarantee under Schedule 2 of the Competition and Consumer Act 2010 (Cth) or any other rights you have under Australian law that cannot be excluded by agreement.

AML Ready is a document assembly tool. We have taken care to ensure that the block library accurately reflects current AUSTRAC guidance at the time of publication, that our original content is well-researched and appropriate to the practice profiles we support, and that the routing engine produces output tailored to your declared circumstances.

However, to the maximum extent permitted by law:

We are not liable for any regulatory action, penalty, loss, or damage arising from your reliance on AML Ready's output without independent review. The documents are produced for your professional review and adoption, not finished compliance instruments.

We are not liable for any loss arising from inaccurate or incomplete information you provide during the questionnaire.

We are not liable for changes in legislation, regulation, or AUSTRAC guidance that occur after the date of your purchase.

Our total liability to you for any claim arising out of or in connection with these terms or your use of AML Ready is limited to the amount you paid for the product.

These limitations do not apply to liability that cannot be excluded or limited under Australian law, including liability under the Australian Consumer Law for goods or services that do not meet the consumer guarantees.

AML Ready collects the minimum information necessary to process your purchase and assemble your documents. We collect:

• ▪Practice details you enter during the questionnaire (practice name, ABN, compliance officer details, service types, and other profile information)
• ▪Questionnaire responses used to assemble your documents (profession, practice type, staff count, services provided, and related practice profile information)
• ▪Payment information processed by our payment provider, Stripe — we do not store your card details

Download access to your assembled documents and practice profile ends exactly 30 days after confirmed payment. An hourly governed job then removes due private objects in bounded, absence-verified batches. A provider failure or backlog can require more than one cycle; new checkout remains blocked while any overdue or incomplete backlog exists. No expiry reminder is currently scheduled, so you should save a local copy promptly. The essential secure-recovery cookie and email fragment capability grant no access after refund, dispute or the immutable retention boundary. Application access and active-storage retention end at that boundary; deletion is initiated and verified subject to the processor backup, cache-propagation and lawful-retention lifecycle disclosed in the Privacy Policy. An unresolved provider failure may leave only the non-identifying keyed safety tombstone described in that Policy until exact terminal reconciliation; it contains no customer profile, email, raw payment identifier, recovery capability or document and grants no access. We do not access, review, or use your stored data for any purpose other than making your purchased documents available to you for download.

Your personal information is handled in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy, available at amlready.au/privacy.

We do not sell, rent, or share your personal information with third parties for marketing purposes.

AML Ready is provided as a web-based service. We aim for the platform to be available at all times but do not guarantee uninterrupted access. Scheduled maintenance, infrastructure issues, or circumstances beyond our control may result in temporary unavailability.

If you experience a technical issue with downloading or accessing your purchased documents, contact us at support@amlready.au and we will work to resolve it promptly.

AML Ready does not provide compliance support, regulatory advice, or document review services as part of the base purchase. If you need assistance interpreting or implementing your AML/CTF program, we recommend engaging a qualified compliance professional or legal advisor.

We may update these terms from time to time. Any changes will be published at amlready.au/terms with the updated effective date. Changes apply to purchases made after the updated terms are published. Your existing purchase remains subject to the terms in effect at the time you completed checkout.

These terms are governed by the laws of New South Wales, Australia. Any dispute arising under these terms is subject to the non-exclusive jurisdiction of the courts of New South Wales.

AML Ready is a product of Modicum Atelier Pty Ltd.