Terms of Service

Plain-English summary. AI Taxagent Pro is a software tool that helps you prepare Australian tax-form figures (BAS, ITR, CTR, IAS). We are not a registered tax agent and we do not lodge returns on your behalf — you copy the prepared figures into myGov / myTax / ATO Online Services and lodge them yourself. The AI advisor provides general information only, not personal tax advice. By using the Service you accept these Terms.

1. Who these Terms are with

These Terms of Service ("Terms") are a legally binding agreement between you ("you", "your") and [Your Business Pty Ltd] (ABN [ABN pending]) ("we", "us", "our"), governing your use of the AI Taxagent Pro platform and any related services (the "Service").

By creating an account, subscribing, or using any part of the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. Definitions

• "ATO" — the Australian Taxation Office.
• "Audit Defence Pack" — the print-optimised HTML pack the Service generates for a lodged tax form, containing figures, source documents, and the rule version cited.
• "Content" — anything you upload, enter, or generate using the Service (transactions, receipts, tax-form figures, advisor conversations).
• "Subscription" — the paid plan you choose under §5.

3. The Service — what we do and what we do not do

3.1 What the Service does

• Imports your bank transactions (uploaded CSV or live feed via Basiq).
• Captures receipts via image / PDF upload, with OCR via Mindee where enabled.
• Computes tax-form figures (BAS, ITR, CTR, IAS) using a deterministic, version-controlled rules engine, with an ATO citation against every figure.
• Generates an ATO-ready transcript with click-to-copy values per ATO label, which you paste into myGov / myTax / ATO Online Services for Business.
• Records every lodgement event in an immutable audit log and produces an Audit Defence Pack on demand.
• Provides an AI advisor that answers tax questions by calling the rules engine and citing the rule version that produced each numerical answer.

3.2 What the Service does not do

• We are not a registered tax agent. We do not hold a registration with the Tax Practitioners Board (TPB). We do not provide tax-agent services within the meaning of the Tax Agent Services Act 2009.
• We do not lodge returns on your behalf. You lodge through your own myGov / ATO Online Services account, by copying the prepared figures into the ATO's portal.
• We do not provide personal tax advice. The AI advisor produces general information only. For complex situations — international income, Division 7A, capital gains events, trust distributions — you should consult a registered tax agent.
• We do not connect directly to ATO Digital Service Provider (DSP) infrastructure for any purpose. All lodgement is by manual transcript.

3.3 You are the lodging taxpayer

You are responsible for the accuracy, completeness, and timely lodgement of every tax form. The Service prepares figures from the inputs you give it; if those inputs are wrong, the figures will be wrong. The Service's citations reflect the rule version that applied at the time of preparation; tax law can change retrospectively, and we accept no responsibility for retrospective changes that occur after a return is prepared.

4. Eligibility & account

• You must be at least 18 years old to use the Service.
• You must reside in Australia or have an Australian tax obligation that the Service supports.
• If you are using the Service on behalf of a business, you warrant that you have the authority to bind that business to these Terms.
• You must keep your password secure and not share your account. You are responsible for all activity under your account.
• You must give us accurate registration information and keep it up to date.

5. Subscriptions, payment & refunds

5.1 Plans

Subscriptions are listed on the Pricing page. Prices are in Australian dollars and inclusive of GST where applicable.

5.2 Billing

Payment is processed by Stripe Payments Australia Pty Ltd. By subscribing you authorise us, via Stripe, to charge your nominated payment method on the recurring schedule of the plan you have selected (typically monthly or one-off). Subscriptions auto-renew until cancelled.

5.3 Failed payments

If a payment fails, Stripe will retry per its standard schedule. If payment cannot be collected within 14 days, we may suspend or downgrade your Subscription until payment is resolved. Your data is preserved during suspension.

5.4 Cancellation

You may cancel any time from within the Service (Billing → Manage Subscription, which opens the Stripe Customer Portal). Cancellation stops the next renewal; you retain access for the remainder of the paid period.

5.5 Refunds

Subscription fees are generally non-refundable for partial periods. If you believe the Service has materially failed to deliver, contact us at support@example.com and we will consider a pro-rated refund in good faith. Nothing in these Terms limits any non-excludable consumer guarantee under the Australian Consumer Law (see §13).

5.6 Price changes

We may change Subscription prices on at least 30 days' notice by email. If you do not accept the new price, you can cancel before it takes effect.

6. Your obligations

• Provide accurate and complete information when preparing tax forms.
• Review the prepared figures before marking a form as lodged. The Service surfaces every input it used, so you can verify each figure end-to-end.
• Lodge through the official ATO channels, on time, in the form the ATO requires.
• Keep copies of your Audit Defence Packs and source documents for at least the ATO's record-keeping period (5 years from lodgement).
• Comply with all laws that apply to you, including the Tax Administration Act 1953 and the Income Tax Assessment Act 1997.
• Not rely on the AI advisor for personal tax advice. The advisor is general information only.

7. Acceptable use

You must not, and must not allow any third party to:

• Reverse-engineer, decompile, or attempt to extract source code from the Service.
• Scrape, crawl, harvest, or otherwise access the Service by automated means without our prior written permission.
• Upload malicious code, exploit vulnerabilities, or perform load testing without permission.
• Impersonate another person or entity, or misrepresent your authority to act on behalf of a business or trust.
• Use the Service to commit fraud, evade tax, or otherwise break the law.
• Resell, sublicence, white-label, or commercially redistribute the Service to third parties.
• Bypass any usage limit, rate limit, or budget cap (including the AI advisor's per-entity LLM budget).

8. The AI advisor — general information only

The AI advisor is a tool-using LLM grounded in our deterministic rules engine. It is designed to call the rules engine for any numerical answer and to cite the rule version that produced it. Despite these safeguards:

• Advisor output is general information, not personal advice. Every reply carries that disclaimer.
• Advisor output may be incomplete, out-of-date relative to a recent law change, or inappropriate for your specific situation.
• Advisor output is not a substitute for advice from a registered tax agent or solicitor.
• You should verify any number the advisor produces by reading the cited rule and the Audit Defence Pack.

We do not warrant that the AI advisor will be accurate, complete, or uninterrupted. We exclude liability for any reliance you place on advisor output, to the extent permitted by law.

9. Intellectual property

We own (or licence) the Service, the rules engine, the user interface, and all trade marks, copyright, and other intellectual property in the platform. You receive a non-exclusive, non-transferable licence to use the Service during your Subscription, in accordance with these Terms.

You retain ownership of your Content. By submitting Content, you grant us a non-exclusive licence to host, process, transmit, and display it solely as necessary to provide the Service to you (including disclosing it to the third-party processors listed in our Privacy Policy).

Audit Defence Packs and prepared tax forms produced from your Content are yours to download, store, and lodge.

10. Privacy

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these Terms.

11. Confidentiality

We treat your tax data, financial information, and account communications as confidential and use them only as described in these Terms and the Privacy Policy. You may not disclose any non-public information about the Service (including pricing offered to you, internal pages, or undisclosed features) without our consent.

12. Suspension & termination

12.1 By you

You may cancel your Subscription at any time. You may delete your account from within the Service or by emailing support@example.com. Tax records subject to ATO retention obligations may be retained beyond account deletion (see Privacy Policy §9).

12.2 By us

We may suspend or terminate your account, with or without notice, if you materially breach these Terms (including §7 Acceptable use), if continued access creates legal or security risk for us or other users, or if your Subscription is unpaid after the §5.3 grace period.

12.3 Effect of termination

On termination, your right to access the Service ends. We will provide a 14-day window to export your Content via the data-export feature. Sections that by their nature should survive termination (e.g. §13 Limitation of liability, §14 Indemnity, §16 Disputes) will continue to apply.

13. Disclaimers & limitation of liability

13.1 Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any guarantee, condition, warranty, right, or remedy that you have under the Competition and Consumer Act 2010 (Cth) (including the Australian Consumer Law) or other law that cannot lawfully be excluded.

13.2 Service provided "as is"

Subject to §13.1, the Service is provided "as is" and "as available". We do not warrant that the Service will be uninterrupted, error-free, fit for any particular purpose, or that any tax-form figures, citations, or AI-advisor answers will be accurate, complete, or current.

13.3 No tax-agent liability

Subject to §13.1, we are not liable for any penalty, interest, additional tax, or other loss arising from a return you lodge. You are the lodging taxpayer; the Service prepares figures, you verify and lodge them.

13.4 Cap on liability

Subject to §13.1, our total aggregate liability to you for any claim arising out of or in connection with these Terms or the Service — whether in contract, tort (including negligence), under statute, or otherwise — is limited to the greater of (a) AUD $200, or (b) the total Subscription fees you have paid us in the 12 months immediately before the event giving rise to the claim.

13.5 Indirect loss excluded

Subject to §13.1, neither party is liable for any indirect, special, or consequential loss, loss of profits, loss of revenue, loss of business opportunity, loss of goodwill, or loss of or corruption to data.

14. Indemnity

You will indemnify us against any claim, loss, liability, or expense (including reasonable legal costs) arising from (a) your breach of these Terms, (b) your violation of any law or regulation, including any tax obligation, (c) your infringement of a third party's rights, or (d) any Content you upload that is unlawful or causes us to breach a third party's rights. This indemnity does not apply to any matter caused by our breach, negligence, or wilful misconduct.

15. Changes to these Terms

We may update these Terms as the Service evolves. Material changes will be notified by email at least 14 days before they take effect. Continuing to use the Service after the effective date constitutes acceptance. If you do not accept the change, you may cancel under §5.4.

16. Governing law & disputes

These Terms are governed by the laws of New South Wales, Australia. The parties submit to the exclusive jurisdiction of the courts of that jurisdiction and the federal courts of Australia.

Before commencing any proceedings, the parties will attempt in good faith to resolve the dispute by negotiation, including escalating to senior personnel of each party. Either party may seek urgent injunctive relief at any time without first attempting negotiation.

17. General

• Entire agreement — these Terms, together with the Privacy Policy and any plan-specific terms displayed at checkout, are the entire agreement between you and us about the Service.
• Assignment — you may not assign these Terms without our consent. We may assign these Terms to a successor in connection with a sale or restructure of the business.
• No waiver — failure to enforce a right is not a waiver of that right.
• Severability — if any provision is unenforceable, the remainder of these Terms continues in force.
• Force majeure — neither party is liable for failure to perform caused by events beyond reasonable control (including outages of upstream providers — Stripe, Anthropic, Basiq, Mindee, hosting).
• Notices — to us: support@example.com. To you: the email address on your account.

18. Contact

[Your Business Pty Ltd]
General & legal: support@example.com
Privacy: privacy@example.com
Postal: [Postal address]
ABN: [ABN pending]

See also: Privacy Policy · About · Help.