1. Purpose of the Platform

Flagship AML provides digital tools designed to support businesses and professionals in meeting Anti Money Laundering and Counter Terrorism Financing (AML/CTF) compliance obligations. The platform offers workflow guidance, customer due diligence templates, business and transaction risk assessments, suspicious matter prompts, reporting tools and staff training modules.

The platform does not determine your legal obligations and does not guarantee that your use of the platform will satisfy regulatory requirements. You remain fully responsible for ensuring that your business complies with all applicable AML/CTF laws.

2. Scope of Services

Services provided through the platform may include:

  1. AML/CTF workflow and guidance tools
  2. Customer due diligence templates (simplified, standard, and enhanced)
  3. Business and transaction risk assessment tools
  4. Suspicious matter prompts
  5. Secure data storage functions
  6. AML training modules
  7. Subscription management
  8. Technical support

We may modify, update, or improve the platform at any time. Availability may be interrupted for maintenance, upgrades, technical issues, or circumstances outside our control.

3. Subscriptions, Accounts and Payments

3.1 Account Registration

You must create an account to access the platform. You must provide accurate, complete, and current information, and update it when required.

3.2 Subscription Plans

Most features require a paid subscription. Subscription fees, billing terms, renewal arrangements, and entitlements are displayed at the time of purchase.

3.3 Payments

Subscriptions must be paid in accordance with the relevant billing cycle. If payment is not received, we may suspend or restrict your access until payment is made.

3.4 Cancellations

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period unless otherwise stated.

3.5 Suspension or Withdrawal of Access

We may suspend or terminate your access without notice if:

  1. you breach these Terms & Conditions
  2. a payment is overdue
  3. your conduct presents a security or operational risk
  4. we are required to take action by law

4. User Obligations

You agree to:

  1. Use the platform only for lawful and legitimate business purposes.
  2. Keep your login details confidential.
  3. Ensure that all information you upload is accurate and complete.
  4. Not introduce viruses, malicious code, or harmful material.
  5. Not attempt to interfere with, bypass, or compromise system security.
  6. Comply with all AML/CTF obligations applicable to your business.

Using the platform does not transfer your compliance responsibilities to Flagship AML. You remain solely responsible for your AML/CTF compliance.

5. Intellectual Property

All intellectual property rights in the platform, including its software, design, content, layout, graphics, user interface, and branding, belong to Flagship AML or its licensors. We grant you a limited, non-exclusive, revocable licence to use the platform for your

internal business purposes only.

  1. copy, modify, reproduce, distribute, or reverse-engineer the platform
  2. remove or alter any branding, copyright notices, or proprietary marks
  3. use our intellectual property without prior written consent

All rights not expressly granted are reserved.

6. Data Protection and Privacy

We handle personal information in accordance with our Privacy Policy.

Although we take reasonable steps to maintain data security, no internet based system is entirely secure. You acknowledge the risks associated with transmitting information online.

You are responsible for ensuring that your use of the platform complies with your own privacy and data protection obligations.

7. Confidentiality

We will treat your business information as confidential and will not disclose it unless:

  1. required by law
  2. necessary for platform operation (e.g., secure hosting).
  3. you provide express permission

You must treat any proprietary or sensitive information obtained from the platform as confidential.

8. Limitation of Liability

To the fullest extent permitted by law:

  1. The platform is provided “as is” and “as available”.
  2. We do not guarantee uninterrupted access or error free operation.
  3. We are not responsible for viruses, harmful code, system failures, or data loss.
  4. We are not liable for indirect or consequential losses, including:

We are not liable for losses arising from reliance on platform information or outputs.

Subject to any liability that cannot be excluded by law, our total aggregate liability to you for all claims connected with these Terms or your use of the platform is limited to the total subscription fees you paid to us in the 12 months immediately before the event giving rise to the claim.

Nothing in this clause limits liability that cannot legally be limited.

9. Indemnity

You indemnify Flagship AML, its employees and contractors against all claims, losses, damages, liabilities, penalties, and expenses arising from:

  1. your breach of these Terms & Conditions
  2. your misuse of the platform
  3. your failure to comply with AML/CTF obligations
  4. content or data you upload or submit

10. No Legal Advice

The platform provides general information only. It is not intended to be, and must not be relied upon as, legal, financial or regulatory advice.

Examples, explanations, and scenarios presented on the platform reflect general interpretations and may not apply to your particular circumstances. AML/CTF laws include exceptions, qualifications and requirements that may not be fully captured in automated tools.

You must obtain your own professional legal advice where necessary. Your use of, and reliance on, any information or outputs generated by the platform is entirely at your own risk.

11. Third-Party Websites and Tools

The platform may include links to third-party websites or services. These are provided for convenience only. We do not control and are not responsible for third party content, availability, accuracy, or security.

You must review and accept third-party terms before using their services.

12. Termination

We may terminate or suspend your access immediately if:

  1. you breach these Terms
  2. your subscription is not renewed
  3. your conduct poses a security or operational risk
  4. we decide to discontinue the platform

Upon termination:

  1. your licence to use the platform ends
  2. we may retain your data for legal or operational reasons
  3. we may delete your data after any applicable retention period

13. Changes to Terms

We may amend these Terms & Conditions from time to time. Changes take effect when published on the platform. Continued use of the platform indicates your acceptance of any updated terms.

You should review these Terms periodically.

14. Governing Law

These Terms & Conditions are governed by the laws of Queensland, Australia. You submit to the exclusive jurisdiction of the courts of Queensland for any dispute arising out of or connected with these Terms or your use of the platform.

15. Contact

If you have any questions about these Terms & Conditions, you may contact us through the communication channels provided on the platform or at