Legal
Terms of service
Terms of Service
Last Updated: 9 June 2026
Welcome to Instant Compliance. These Terms of Service ("Terms") govern your access to and use of the Instant Compliance software platform, website, and related services (collectively, the "Service") provided by Instant Compliance Pty Ltd (ACN 111 744 668) ("Instant Compliance", "we", "us", or "our").
By accessing or using the Service, you ("Client", "you", or "your") agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.
1. Nature of the Service
1.1 Technology Provider Only:
Instant Compliance provides a software platform and workflow tools designed to assist businesses in managing their Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) data collection and record-keeping processes. We are strictly a technology provider.
1.2 No Legal or Compliance Advice:
Instant Compliance does not provide legal, regulatory, or compliance advice. The use of our Service, including any templates, risk matrices, or automated workflows provided within the platform, does not guarantee compliance with AUSTRAC, AMLA, or any other regulatory body.
1.3 Client Responsibility:
The ultimate legal responsibility for complying with all applicable AML/CTF laws rests entirely with you, the Client. You are solely responsible for interpreting the law as it applies to your specific business, industry, and risk profile.
2. Customer Due Diligence (CDD) and Decision Making
2.1 Facilitation, Not Execution:
Instant Compliance does not "conduct" Customer Due Diligence (CDD) checks on your behalf. We provide the technological infrastructure (including integrations with third-party data providers) that allows you to collect data, verify documents, and conduct your own CDD.
2.2 Human Judgment Required:
Our software may flag potential risks, provide data points, or automate the collection of information. However, all final decisions—including but not limited to assigning risk ratings, making "retain or exit" decisions regarding customers, and determining whether to file a Suspicious Matter Report (SMR)—are the sole responsibility of your designated Compliance Officer.
2.3 Data Accuracy:
The Service relies on data provided by your customers and third-party verification databases (e.g., SumSub, government registries). Instant Compliance makes no warranties or representations regarding the absolute accuracy, completeness, or authenticity of this data. You must apply your own Enhanced Customer Due Diligence (ECDD) and human judgment where you deem it necessary or where required by law.
3. Use of the Service
3.1 Account Security:
You are responsible for safeguarding the passwords and credentials you use to access the Service. You are responsible for any activities or actions under your account, whether authorized by you or not.
3.2 Authorized Users:
You must ensure that only authorized personnel (such as your designated Compliance Officer and trained staff) have access to the compliance decision-making tools within the platform.
3.3 Prohibited Conduct:
You agree not to use the Service for any unlawful purpose or in any way that violates these Terms. You may not attempt to reverse engineer, decompile, or disrupt the operation of the Service.
4. Fees and Payment
4.1 Subscription Fees:
Access to the Service requires payment of subscription fees. All fees are quoted in Australian Dollars (AUD) and are exclusive of GST unless otherwise stated. You agree to pay all applicable fees as described on our pricing page or in your specific order form.
4.2 Billing:
Subscription fees are billed in advance on a recurring basis. You may cancel your subscription at any time, but no refunds will be provided for any unused portion of the subscription term.
5. Data Privacy and Security
5.1 Privacy Policy:
Our collection and use of personal information in connection with the Service is described in our Privacy Policy, which is incorporated by reference into these Terms.
5.2 Client Data:
You retain all rights to the data you and your customers input into the Service ("Client Data"). You grant Instant Compliance a license to host, process, and display Client Data solely for the purpose of providing the Service to you.
5.3 Security:
We implement industry-standard security measures to protect Client Data. Data is encrypted in transit (256-bit TLS) and at rest (256-bit AES). Client Data is hosted in Amazon Web Services data centres that are SOC 1, SOC 2 and ISO 27001 certified. Instant Compliance's own organisational SOC 2 and ISO 27001 certifications are currently in progress, and our control framework is self-assessed against our internal DSS-1200 security framework. No system is completely secure, and we cannot guarantee absolute security.
5.4 Sub-processors:
Instant Compliance uses the following sub-processors to deliver the Service:
A current sub-processor list is published on our [/trust](/trust) page.
5.5 Data Residency:
Client Data stored at rest by Instant Compliance is hosted in AWS data centres in Sydney, Australia. Some sub-processors named in §5.4 (Anthropic, Groq, OpenAI, Pinecone) are based in the United States, and document or chat content processed by them transits overseas. Where supported by the provider, we operate these sub-processors under zero-data-retention and/or no-training arrangements.
5.6 Lawful Collection (Client Warranty):
You warrant that you have the right, and have obtained all necessary consents and provided all required notices, to collect your customers' personal information and to provide it to the Service for processing, including for transmission to the sub-processors disclosed in §5.4 (including overseas AI providers). You agree to indemnify Instant Compliance against any third-party claim arising from a breach of this warranty.
6. Limitation of Liability
6.1 Regulatory Audits and Fines:
To the maximum extent permitted by law, Instant Compliance shall not be liable for any fines, penalties, business losses, reputational damage, or findings of non-compliance levied against you by AUSTRAC, AMLA, or any other regulatory body, auditor, or law enforcement agency, regardless of whether you used our Service to manage your compliance program.
6.2 Indirect Damages:
In no event shall Instant Compliance be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.
6.3 Liability Cap:
Our total liability to you for any claims arising out of or relating to these Terms or your use of the Service shall not exceed the total amount paid by you to Instant Compliance for the Service during the twelve (12) months immediately preceding the event giving rise to the liability.
7. Disclaimers and Warranties
7.1 "As Is" Basis:
The Service is provided on an "AS IS" and "AS AVAILABLE" basis. Instant Compliance expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
7.2 No Guarantee of Uninterrupted Service:
We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.
8. Indemnification
You agree to defend, indemnify, and hold harmless Instant Compliance Pty Ltd and its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to legal fees) arising from your use of and access to the Service, your violation of any term of these Terms, or your failure to comply with applicable AML/CTF laws.
9. Termination
9.1 Termination by You:
You may terminate your account at any time by contacting us or using the account management tools within the platform.
9.2 Termination by Us:
We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
9.3 Effect of Termination:
Upon termination, your right to use the Service will immediately cease. We will retain and/or delete Client Data in accordance with our Privacy Policy and applicable legal requirements.
10. Governing Law
These Terms shall be governed and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New South Wales.
11. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
12. Contact Us
If you have any questions about these Terms, please contact us at:
help@instantcompliance.ai
Address
242 Elizabeth St, Surry Hills, NSW, 2010, Australia