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.
Services provided through the platform may include:
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.
3.1 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:
3A. Add-On Services and Third-Party Data
We may offer optional add-on services, including identity verification, watchlist screening, and other data-based services provided by third-party providers.
Use of these services is subject to:
You acknowledge that:
We may suspend or restrict access to add-on services at any time.
3.6 Billing and Renewals
Subscriptions renew automatically at the end of each billing cycle unless cancelled prior to renewal.
You authorise us to charge all applicable fees, including subscription fees and any add-on usage charges, using your selected payment method via Stripe or another payment provider.
If payment fails:
Fees are non-refundable except where required by law.
We may change pricing from time to time by providing reasonable notice.
You agree to:
Using the platform does not transfer your compliance responsibilities to Flagship AML. You remain solely responsible for your AML/CTF compliance.
4A.1 Application
This clause applies where a user elects to access identity verification functionality through the Flagship AML platform, including any document verification or watchlist screening services (Verification Services).
4A.2 Role of Flagship AML
Flagship AML provides access to Verification Services as a technology platform only. Flagship AML does not determine whether a verification check is required, does not control how Verification Services are used, and does not provide legal advice or determine compliance with applicable laws.
4A.3 User responsibility
The user is solely responsible for all use of the Verification Services, including determining necessity, complying with applicable laws, ensuring lawful use of government related identifiers, and using the services only for lawful customer due diligence or regulatory compliance purposes.
4A.4 Consent
The user must obtain informed and express consent prior to any verification check, ensure the individual is informed of the purpose, disclosures and third parties involved, and maintain records of such consent.
4A.5 Use restrictions
The user must not use Verification Services for marketing, profiling, unrelated analytics, or any unlawful or unauthorised purpose.
4A.6 Third party providers
Verification Services may involve disclosure of personal information to third party providers, including identity verification providers, intermediaries and official record holders. These providers operate independently of Flagship AML.
4A.7 Data handling
Flagship AML is designed to minimise storage of sensitive identity information. Verification is conducted on a match or no match basis where possible, and identity documents are not retained unless required for a specific function.
4A.8 Fees
Verification Services are optional and may incur additional fees. Fees are charged per use or subscription, processed via Stripe, and are non-refundable once a request is submitted.
4A.9 Suspension and termination
Flagship AML may suspend or terminate access immediately where misuse is suspected, terms are breached, or required by providers or regulators.
4A.10 Disclaimer
Verification Services are provided on an “as is” basis. Flagship AML does not warrant accuracy, completeness, reliability, or uninterrupted availability. Users rely on results at their own risk.
4A.11 Indemnity
The user indemnifies Flagship AML against loss, claims or liability arising from misuse, failure to obtain consent, or breach of privacy laws.
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.
You must not:
All rights not expressly granted are reserved.
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.
We will treat your business information as confidential and will not disclose it unless:
You must treat any proprietary or sensitive information obtained from the platform as confidential.
To the fullest extent permitted by law:
We are not liable for losses arising from reliance on platform information or outputs.
Without limiting the above, we are not liable for:
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.
You indemnify Flagship AML, its employees and contractors against all claims, losses, damages, liabilities, penalties, and expenses arising from:
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.
The platform does not provide a complete compliance solution and does not replace your obligation to implement appropriate AML/CTF systems and controls in accordance with applicable laws and guidance issued by AUSTRAC.
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.
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.
We may terminate or suspend your access immediately if:
Upon termination:
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.
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.
If you have any questions about these Terms & Conditions, you may contact us through the communication channels provided on the platform or at