Terms & Conditions

1. Agreement to these terms

These Terms & Conditions (“Terms”) govern your access to and use of the website, applications and services (together, the “Platform”) operated by Zoib Cyber (“Zoib Cyber”, “we”, “us” or “our”).

By accessing or using the Platform, or by registering an organisation or accepting an invitation to use it, you agree to these Terms. If you are entering into these Terms on behalf of an organisation, you confirm you have authority to bind that organisation. If you do not agree, you must not use the Platform.

Where your organisation has signed a separate written agreement or order form with us, that agreement prevails over these Terms to the extent of any inconsistency.

2. The Platform

Zoib Cyber is a multi-tenant compliance platform for Australian businesses. It provides privacy and cyber-security awareness training, an AML/CTF program builder and AML/CTF training, and produces audit-ready records of training completion and program adoption.

We may add, change, suspend or remove features of the Platform from time to time to improve it or to meet legal or operational requirements.

3. Eligibility and accounts

The person who registers an organisation, or who otherwise agrees to these Terms on behalf of an organisation, must be at least 18 years old and have authority to bind that organisation.

Individual users are added to the Platform by their organisation. The Platform is a workplace training tool, and staff who are under 18 may use it where their role requires training. Where a user is under 18, their organisation is responsible for ensuring it has any consent or authority needed (for example from a parent or guardian) for that person to use the Platform and for the organisation to provide that person’s information to us.

All users must:

• Provide accurate, current and complete information and keep it up to date;
• Keep their login credentials confidential and not share their account; and
• Set up and maintain multi-factor authentication where it is required for their role (owners and administrators).

You are responsible for all activity that occurs under your account. Notify us immediately at hello@zoibcyber.com.au if you suspect any unauthorised use of your account.

4. Organisations, owners and users

The Platform is organised by organisation (tenant). Each organisation has an Owner responsible for billing and settings, who may appoint Administrators to manage users, groups, training and reports. Sole traders operate as an “organisation of one”.

The organisation is the contracting party for any paid bundles and is responsible for: managing its users and seats; ensuring it is entitled to provide any personal information it uploads about its people; and how it uses the records and documents the Platform produces.

5. Subscriptions, seats and billing

Paid features are offered as bundles — the Privacy + Security Training bundle and the AML Training + Policy Builder bundle (subject to industry eligibility). Pricing is based on a monthly base tier that includes a number of seats, plus a per-seat charge for additional users. Buying both bundles attracts a combined discount. Current pricing is shown during sign-up and in your billing settings.

Seats

Seats may be reserved when you invite or add a user, so that your billing reflects the seats your organisation has committed to. The owner controls how many seats are purchased; administrators control which users are allocated to those seats.

Billing and cancellation

• Fees are billed in advance on a recurring monthly basis unless otherwise agreed.
• Fees are stated in Australian dollars and are exclusive of GST unless stated otherwise. You are responsible for applicable taxes.
• You may cancel a bundle from your billing settings. Cancellation takes effect on the next monthly anniversary; the bundle keeps working until then, and you can reactivate before that date.
• Except where required by law (including the Australian Consumer Law), fees already paid are non-refundable and we do not provide pro-rata refunds for partial periods.
• We may change our prices on reasonable notice. Changes take effect from your next billing period.

6. Acceptable use

When using the Platform, you must not:

• Use the Platform for any unlawful, fraudulent or harmful purpose;
• Access or attempt to access another organisation’s data, or any account or area you are not authorised to use;
• Probe, scan or test the vulnerability of the Platform, or breach or circumvent any security or authentication measures, except with our prior written consent;
• Reverse engineer, decompile or attempt to derive the source code of the Platform, except to the extent this restriction is prohibited by law;
• Copy, scrape, resell or commercially exploit the Platform or its content except as expressly permitted;
• Upload or transmit any malicious code, or any content that is unlawful, infringing, defamatory or that you do not have the right to provide; or
• Interfere with or disrupt the integrity or performance of the Platform.

7. Your data

As between you and us, your organisation retains ownership of the data it and its users submit to the Platform (“Customer Data”). You grant us a non-exclusive licence to host, process, transmit and display Customer Data as needed to provide and improve the Platform and to meet our legal obligations.

You are responsible for the accuracy, quality and legality of Customer Data and for having all necessary rights and consents to provide it — including any personal information about your staff or other individuals. Our handling of personal information is described in our Privacy Policy.

8. Intellectual property

The Platform, including its software, design, training modules, AML/CTF document templates and all related intellectual property, is owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Platform for your organisation’s internal compliance purposes during your subscription. You may use certificates and documents the Platform generates for your own compliance and record-keeping. You must not otherwise copy, distribute, modify or create derivative works from our content without our written consent.

9. Compliance tooling — not legal advice

Important. The Platform — including AML/CTF programs, policies, risk assessments, training and the records it produces — is provided as a tool to help you manage your compliance obligations. It is not legal, financial or professional advice and does not guarantee compliance with any law or regulator (including AUSTRAC, the OAIC, APRA or any other authority).

Documents generated by the Platform are starting points that you must review, tailor and adopt for your own circumstances. You remain solely responsible for meeting your own regulatory obligations and should obtain independent professional advice where appropriate.

10. Availability and support

We aim to keep the Platform available and to provide reasonable support, but we do not guarantee that it will be uninterrupted or error-free unless a separate service-level agreement applies. We may carry out maintenance, and may need to suspend access temporarily for operational or security reasons.

11. Third-party services

The Platform relies on third-party services (such as cloud hosting, email delivery and single sign-on with Google or Microsoft). Your use of those services may be subject to their own terms, and we are not responsible for them.

12. Suspension and termination

We may suspend or terminate your access to the Platform if you breach these Terms, if required by law, or to protect the Platform or other users. You may stop using the Platform at any time and cancel your subscription as described above.

On termination, your right to access the Platform ends. We will make Customer Data available for export for a reasonable period where practicable, after which we may delete it in accordance with our Privacy Policy and our retention obligations. Completion records and audit logs are immutable and may be retained as required for compliance purposes.

13. Warranties and consumer guarantees

Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law or other laws that cannot lawfully be excluded.

Subject to those rights, the Platform is provided “as is” and we exclude all other warranties to the extent permitted by law. Where we are liable for a breach of a non-excludable guarantee in relation to services, our liability is limited (where permitted) to re-supplying the services or paying the cost of having them re-supplied.

14. Limitation of liability

To the maximum extent permitted by law, and subject to the section above, we are not liable for any indirect, incidental, special or consequential loss, or for any loss of profit, revenue, data or goodwill, arising out of or in connection with the Platform. To the maximum extent permitted by law, our total aggregate liability arising out of or in connection with these Terms is limited to the fees paid by your organisation for the Platform in the 12 months before the event giving rise to the liability.

15. Indemnity

To the extent permitted by law, you indemnify us against any loss, damage, cost or expense we suffer arising from your breach of these Terms, your misuse of the Platform, or Customer Data that is unlawful or that you did not have the right to provide.

16. Events beyond our control

We are not liable for any failure or delay in performing our obligations caused by events beyond our reasonable control, including outages of third-party infrastructure, natural events, or acts of government.

17. Changes to these terms

We may update these Terms from time to time. The current version, with its effective date, will always be available on this page. Where changes are material, we will take reasonable steps to notify you. Your continued use of the Platform after changes take effect means you accept the updated Terms.

18. Governing law

These Terms are governed by the laws of Western Australia, Australia. You and we submit to the non-exclusive jurisdiction of the courts of that State and the Commonwealth of Australia.

19. General

• These Terms (with any separate written agreement) are the entire agreement between you and us about the Platform.
• If any provision is found to be unenforceable, the remaining provisions continue in effect.
• A failure to enforce a provision is not a waiver of it.
• You may not assign these Terms without our consent; we may assign them in connection with a business transfer.
• Provisions that by their nature should survive termination (including those on data, IP, liability and indemnity) will survive.

20. Contact us

Questions about these Terms? Contact us:

• Zoib Cyber
• Email: hello@zoibcyber.com.au

You can read these Terms alongside our Privacy Policy.