Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Krrisp Pty Ltd (ACN: 609 221 570), operator of Klaris ("we", "us", "our"), governing your use of the Klaris wealth-structure record and collaboration software platform ("Platform").

By creating an account, accessing, or using the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Platform.

These Terms should be read in conjunction with our Privacy Policy and Data Security Policy.

2. Eligibility

To use the Platform, you must:

• Be at least 18 years of age.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate and complete registration information.
• If registering as an advisor, hold appropriate professional qualifications and registrations as required by Australian law.

3. Service Description

Klaris is a wealth-structure record and collaboration platform that enables users to:

• Document and visualise complex ownership structures (trusts, companies, SMSFs, partnerships).
• Track assets and their ownership relationships.
• Record beneficiary and trustee information.
• Collaborate with trusted advisers around a shared family wealth record.
• Store linked documents for structures and assets.

4. Account Types

Client Accounts

Client accounts are for individuals and families who wish to document their financial structures. Client account holders:

• Have full ownership and control of their financial structure data.
• Can create, edit, and delete their structures and entities.
• Can involve trusted advisers in the structure record where appropriate.
• Can request assistance with data access or export.
• Can revoke advisor access at any time.

Advisor Accounts

Advisor accounts are for qualified financial advisors, accountants, and professionals who wish to collaborate with clients. Advisor account holders:

• Can access client structure information where the client or firm has authorised that collaboration.
• Receive an appropriate level of access based on the agreed adviser relationship and onboarding model.
• Must maintain appropriate professional qualifications.
• Are responsible for their own professional obligations regarding client data.

Collaboration Governance

Collaboration is intended to remain controlled and purposeful. Families and firms should only involve advisers or professional contacts who have a legitimate role in reviewing or maintaining the structure record.

5. Registration and Account Security

Account Access

Account access may be reviewed, approved, or configured as part of onboarding. You must use a valid email address that you can access because we may send account, support, or security-related notices to that address.

Account Security

You are responsible for maintaining the security of your account credentials and must not share access with anyone who is not authorised to view the relevant family wealth information.

Session Management

Sessions expire after a period of inactivity. You should sign out when using shared devices. You are responsible for all activity that occurs under your account.

6. Pricing and Payment

Plans

The Platform may be offered through family, adviser, firm, pilot, or other agreed access arrangements. Pricing, scope, and support expectations are confirmed privately before paid access begins. All paid prices are in Australian Dollars (AUD) and include GST where applicable.

No Processing Guarantee

Klaris is a data management and visualisation platform. You input your financial structure data and Klaris organises and displays it. We do not process your data to produce new financial insights or recommendations. As such, no satisfaction or outcome guarantee applies to the use of the Platform.

Payment Processing

Payments, where applicable, are processed through a secure third-party payment provider. We do not store or have access to your full credit card details.

Failed Payments

If a payment fails, we may attempt to process the payment again or contact you to resolve the issue. Access may be suspended or adjusted if payment remains unresolved.

Refund Policy

Refunds are handled on a case-by-case basis. We do not provide refunds for part-used paid periods. If you believe a charge was made in error, contact us within 14 days. Refunds may be considered at our discretion. To request a refund, contact us at info@klaris.com.au.

Price Changes

We may change our pricing from time to time. Existing paid users or firms will be given at least 30 days' notice of any material price increase. Price changes will take effect at the start of the next paid period following the notice period. If you do not agree to a price change, you may cancel your paid access before the change takes effect.

Advisory Firm Licensing

Advisory firms, family offices, or professional groups should contact us for current onboarding and licensing arrangements. We will confirm the applicable commercial model and account management process before activation.

7. User Responsibilities

Accurate Information

You are responsible for ensuring that all information you enter into the Platform is accurate and up to date. The Platform does not verify the accuracy of financial structure data. Incorrect data may lead to inaccurate visualisations and reports.

Advisor Access Management

If you are a client, you are responsible for managing advisor access to your account. This includes granting appropriate access levels, reviewing access regularly, and revoking access when it is no longer needed. We are not responsible for actions taken by advisors you have granted access to.

Prohibited Uses

You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable laws.
• Attempt to access another user's account or data without authorisation.
• Use automated tools (bots, scrapers) to access the Platform.
• Attempt to circumvent security measures or access controls.
• Upload malicious code, viruses, or harmful content.
• Use the Platform to store illegal or fraudulent financial information.
• Resell, sublicense, or redistribute access to the Platform without our written consent.
• Interfere with the operation of the Platform or its infrastructure.

8. Data Ownership and Export

Your Data

You retain full ownership of all financial structure data you enter into the Platform. We do not claim any ownership rights over your data. We use your data solely to provide the Platform services to you as described in our Privacy Policy.

Export

You can request access to or export of your financial structure data by contacting us. Where self-service export features are available in the Platform, they should be used for routine data access.

Deletion

You can request complete deletion of your data by contacting us at info@klaris.com.au. Upon account closure, financial structure data will be deleted within 90 days. Certain records may be retained as required by Australian law.

9. Intellectual Property

The Platform, including its design, code, features, content, logos, and trademarks, is the intellectual property of Krrisp Pty Ltd. You are granted a limited, non-exclusive, non-transferable licence to use the Platform for its intended purpose during your paid access.

You may not copy, modify, distribute, reverse engineer, or create derivative works based on the Platform or any part of it without our written consent.

10. Service Availability and Modifications

We aim to provide the Platform with high availability but do not guarantee uninterrupted access. The Platform may be temporarily unavailable due to:

• Scheduled maintenance (we will provide advance notice where possible).
• Unscheduled maintenance or emergency fixes.
• Circumstances beyond our reasonable control (force majeure).

We may modify, update, or discontinue features of the Platform from time to time. For significant changes that materially affect your use, we will provide reasonable notice. If we discontinue the Platform entirely, we will provide at least 90 days' notice and an opportunity to export your data.

11. Limitation of Liability

To the maximum extent permitted by law, Krrisp Pty Ltd, its directors, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform.
• Loss of profits, revenue, data, or business opportunities.
• Decisions made based on information displayed in the Platform.
• Actions or omissions of advisors you have granted access to.
• Service interruptions, data loss, or security breaches despite our reasonable security measures.

Our total liability for any claim arising from or related to the Platform shall not exceed the total amount you have paid to us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Krrisp Pty Ltd, its directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from: your use of the Platform; your breach of these Terms; your violation of any applicable law; information you enter into the Platform; or any dispute between you and an advisor connected to your account.

13. Advisor Liability and Indemnification

If you are an advisor using the Platform, you additionally agree to:

• Maintain appropriate professional qualifications and registrations.
• Comply with all applicable professional conduct standards and regulations.
• Only access client data for legitimate professional purposes.
• Not share or disclose client data to any unauthorised party.
• Indemnify Krrisp Pty Ltd against any claims arising from your professional advice or actions taken in relation to client data accessed through the Platform.

14. Termination

By You

You may cancel your paid access and close your account at any time. Upon cancellation, you will retain access until the end of the current paid period. You can export your data before account closure.

By Us

We may suspend or terminate your account if:

• You breach these Terms.
• You engage in prohibited uses as outlined in Section 7.
• Your payment cannot be collected after reasonable attempts.
• We are required to do so by law or regulatory order.
• We reasonably believe your account poses a security risk.

We will provide reasonable notice before termination where possible, except in cases of serious violations or security risks.

Effect of Termination

Upon termination, your right to access the Platform ceases immediately (or at the end of the paid period for voluntary cancellation). We will retain your data for 90 days to allow recovery if the termination was unintentional. After 90 days, financial structure data will be permanently deleted in accordance with our Privacy Policy.

15. Dispute Resolution

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. Any dispute arising from these Terms or your use of the Platform will be subject to the exclusive jurisdiction of the courts of New South Wales.

Before commencing legal proceedings, we encourage you to contact us to attempt to resolve the dispute informally. Please email us at info@klaris.com.au with a detailed description of the issue. We will make a genuine effort to resolve disputes within 30 days.

If informal resolution is unsuccessful, either party may pursue formal dispute resolution through the courts of New South Wales.

16. Changes to These Terms

We may update these Terms from time to time. When we make changes:

• We will update the "Last Updated" date at the top of these Terms.
• For material changes, we will notify you via email or in-app notification at least 30 days before the changes take effect.
• Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.
• If you do not agree to the updated Terms, you may cancel your paid access before the changes take effect.

17. Contact Information

If you have questions about these Terms or need to contact us for any reason: