Legal

Terms of Service

Last updated: [Insert Date]

These Terms of Service ("Terms") govern access to and use of the website, tools, and content provided by IPO Compare AU ("IPO Compare AU", "we", "us", or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please discontinue use of the site immediately.

This is a general draft template provided for structural reference only. It has not been reviewed by a legal professional and does not account for any specific jurisdiction, regulatory regime, or industry requirement. You should have this document reviewed by qualified legal counsel before publishing it as a binding agreement.

1. Nature of the Service

IPO Compare AU provides informational tools and AI-driven analysis relating to idle business cash and risk-adjusted allocation modelling. All outputs, projections, scenarios, and figures presented on this site are generated for illustrative and informational purposes only. They are based on generalised assumptions and modelled behaviour and do not constitute financial, investment, tax, legal, or accounting advice.

Nothing on this website should be interpreted as a recommendation to buy, sell, hold, or allocate any specific financial instrument or product. Any decisions made based on content or tools provided through this site are made at your own discretion and risk.

2. Eligibility and Acceptable Use

By using this site, you represent that you are able to form a legally binding contract and that you will use the site only for lawful purposes. You agree not to:

• Attempt to reverse-engineer, scrape, or extract underlying models, data structures, or source code from the site;
• Use automated systems to access the site in a manner that sends more requests than a human could reasonably produce;
• Interfere with, disrupt, or attempt to gain unauthorised access to any part of the site or its underlying infrastructure;
• Misrepresent your identity or affiliation when submitting information through any form on the site;
• Use the site or its outputs in a manner that violates any applicable law or regulation.

3. No Financial Advice

IPO Compare AU is not a registered financial adviser, broker-dealer, bank, or licensed financial institution unless explicitly and separately stated. All modelling tools, comparison tables, and analytical content are provided "as is" for general informational purposes. You should consult a qualified, licensed financial adviser before making any decision regarding the allocation of business funds.

Past patterns, modelled scenarios, or illustrative comparisons referenced on this site are not indicative of future results and carry no guarantee of accuracy, completeness, or applicability to your specific circumstances.

4. Intellectual Property

All content on this website — including but not limited to text, graphics, layouts, methodology descriptions, and design elements — is the property of IPO Compare AU or its licensors, unless otherwise indicated. You may view and download content for personal, non-commercial reference only. Reproduction, redistribution, or commercial use of any material from this site without prior written consent is prohibited.

5. Submitted Information

Where you submit information through a contact form, configuration tool, or similar mechanism on this site, you are responsible for ensuring that the information provided is accurate and that you have the right to share it. We reserve the right to decline to act on, respond to, or process any submission at our sole discretion.

6. Third-Party Links and References

This site may reference or link to third-party tools, resources, or websites for informational context. We do not control and are not responsible for the content, accuracy, or practices of any third-party resource. Inclusion of a reference does not constitute an endorsement.

7. Disclaimers

The site, its tools, and all associated content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

8. Limitation of Liability

To the maximum extent permitted by applicable law, IPO Compare AU, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of, or inability to use, this website or any content, tool, or output provided through it — including but not limited to losses arising from financial decisions made in reliance on modelled scenarios or analytical content.

9. Indemnification

You agree to indemnify and hold harmless IPO Compare AU and its representatives from any claim, liability, damage, or expense (including reasonable legal fees) arising out of your use of the site, your violation of these Terms, or your violation of any rights of a third party.

10. Changes to These Terms

We may update these Terms from time to time to reflect changes to the site, our practices, or applicable requirements. The updated version will be posted on this page with a revised "Last updated" date. Continued use of the site following any changes constitutes acceptance of the revised Terms.

11. Termination of Access

We reserve the right to suspend or terminate access to the site, without notice, for any user we reasonably believe has violated these Terms or engaged in conduct that is harmful to the site, other users, or IPO Compare AU itself.

12. Governing Law

These Terms shall be governed by the laws of [Insert Jurisdiction], without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert Jurisdiction]. This section is a placeholder and should be finalised in consultation with legal counsel familiar with your operating jurisdiction.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

14. Contact

Questions regarding these Terms may be directed via the contact channels listed on our Contact page.