Anovia Advisory — Terms of Service

Effective date: 1 July 2026 Last updated: 1 July 2026

These Terms of Service ("Terms") govern your access to and use of the website at [insert domain] (the "Website"), the online self-assessment tools made available through it (the "Tools"), and the memberships, courses, coaching and other standard offerings we sell through it (together, the "Services"). Please read them carefully. By accessing the Website, using the Tools, or purchasing a Service, you agree to these Terms.

If you do not agree to these Terms, please do not use the Website, the Tools or the Services.

These Terms do not govern bespoke advisory or consulting engagements. Where we agree to provide tailored consulting work for you, that work is governed by a separate written agreement or engagement letter between us, which prevails over these Terms to the extent of any inconsistency for that engagement.

1. Who we are

The Website, the Tools and the Services are provided by Anovia Advisory (ABN 70 259 220 848) ("Anovia", "we", "us" or "our"), an independent governance, risk and compliance consulting practice based in Sydney, New South Wales, Australia.

You can contact us at anoviaadvisory@outlook.com

In these Terms, "you" means the person accessing the Website or, where a Service is purchased for or on behalf of an organisation, that organisation. If you are entering into these Terms on behalf of an organisation, you confirm that you are authorised to bind that organisation.

2. Using our Website

We grant you a limited, non-exclusive, non-transferable and revocable licence to access and use the Website and the Tools for your own internal business or personal purposes, in accordance with these Terms.

When using the Website and the Tools, you must not:

• use them for any unlawful purpose, or in any way that breaches these Terms or any applicable law;

• interfere with, disrupt, or attempt to gain unauthorised access to the Website, the Tools, or any systems or networks connected to them;

• copy, scrape, data-mine, reverse engineer, decompile or attempt to derive the source code of the Tools, except to the extent permitted by law;

• use the Website, the Tools or any of our materials to build, train or improve a competing product or service; or

• remove, obscure or alter any proprietary notices, branding or attribution.

We may suspend or withdraw all or part of the Website and the Tools at any time, including for maintenance, and we do not guarantee that they will always be available or uninterrupted.

3. Our online Tools

The Tools (including the risk maturity baseline, controls effectiveness, and risk register and heat map tools) are interactive self-assessment aids. They run in your browser and produce outputs based on the information you enter.

Any output, score, rating or commentary produced by a Tool is indicative only. It depends entirely on the information you provide, reflects general assumptions, and is not a substitute for a professional risk, controls or compliance assessment. You are responsible for the accuracy of the information you enter and for any decisions you make.

Unless we tell you otherwise at the point of use, the Tools do not save or transmit the information you enter to us. We are not responsible for any loss of information you enter into a Tool.

4. Information is general, and is not Advice

With the exception of bespoke advisory or consulting engagements, the Website, the Tools, the course materials and any other information or content we make available (together, the "Materials") are general in nature and provided for information and educational purposes only.

The Materials do not take into account your particular objectives, circumstances or needs, and do not constitute legal, financial, risk management or other professional advice. You should obtain advice tailored to your circumstances from a suitably qualified professional before acting, or deciding not to act, on the basis of any of the Materials.

While we take care in preparing the Materials, we do not warrant that they are complete, current or free from error, except to the extent of the guarantees described in clause 8 that cannot be excluded.

5. Memberships, courses and other paid offerings

Pricing. Fees for memberships, courses, coaching and other paid Services are set out at the point of purchase. Unless stated otherwise, all prices are in Australian dollars and inclusive of GST. [Confirm whether prices are quoted inclusive or exclusive of GST and amend as needed.]

Payment. Payment is collected at the time of purchase (or, for subscriptions, at the start of each billing period) through third-party payment providers such as Stripe or PayPal. Your use of those providers is subject to their own terms and privacy policies. We do not store your full payment card details.

Subscriptions and memberships. Where a Service is offered on a subscription or recurring basis, it will continue and automatically renew for successive periods at the then-current fee until cancelled. You may cancel at any time, and your access will continue until the end of the period you have already paid for. We will not provide a pro-rata refund for the unused part of a current period except where required by law.

Access. Paid digital Services are provided for your own use only. You must not share, on-sell, or provide access to paid Materials to any third party without our prior written consent.

6. Cancellations and refunds

Your rights to a refund are set out in clause 8 and under the Australian Consumer Law.

If there is a major failure with a Service, you may be entitled to cancel and receive a refund, or to compensation for any reasonably foreseeable loss or damage, in accordance with the Australian Consumer Law. For a failure that does not amount to a major failure, we may choose to remedy the failure within a reasonable time.

Except where you are entitled to a remedy under the Australian Consumer Law or another law, fees already paid are non-refundable. Nothing in this clause limits or excludes any right or remedy you have that cannot be excluded under the Australian Consumer Law.

7. Your information and our conduct

We will not make false or misleading representations about the Services or your rights. You agree that the information you give us is accurate and not misleading, and that you will not use the Website, Tools or Services to engage in any unlawful, misleading or deceptive conduct.

8. Your Australian Consumer Law rights

Our Services and the goods (if any) we supply come with guarantees that cannot be excluded under the Australian Consumer Law (the "ACL"), which is set out in Schedule 2 to the Competition and Consumer Act 2010 (Cth). These include guarantees that services will be provided with due care and skill, will be reasonably fit for any purpose you have made known to us, and will be supplied within a reasonable time.

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right, warranty or remedy that you have under the ACL or any other law where doing so would be unlawful. If any part of these Terms would have that effect, that part does not apply to you to the extent of the inconsistency.

If you are a consumer for the purposes of the ACL, you may be entitled to a remedy for major and minor failures, including a refund, replacement, re-supply or compensation, as set out in the ACL.

9. Limitation of liability

This clause applies subject to clause 8. It does not limit any rights or remedies you have that cannot be excluded under the ACL or any other law.

(a) ACL-permitted limitation. Where the Services or goods we supply are not of a kind ordinarily acquired for personal, domestic or household use or consumption, and to the extent we are entitled to do so under the ACL, our liability for failure to comply with a consumer guarantee (other than a guarantee that cannot be limited) is limited, at our option, to:

• in the case of services, re-supplying the services or paying the cost of having the services re-supplied; and

• in the case of goods, replacing or repairing the goods, supplying equivalent goods, or paying the cost of doing so.

This limitation does not apply where it would not be fair or reasonable for us to rely on it.

(b) Other exclusions. Subject to clause 8 and clause 9(a), and to the maximum extent permitted by law:

• we exclude all terms, conditions, guarantees and warranties that would otherwise be implied by statute, general law or custom;

• we are not liable to you for any indirect, incidental, special or consequential loss or damage, or for any loss of profit, revenue, anticipated savings, data, goodwill, reputation or business opportunity, however it arises, whether in contract, tort (including negligence) or otherwise; and

• our total aggregate liability to you arising out of or in connection with these Terms, the Website, the Tools and the Services is limited to the total fees you paid to us for the relevant Service in the twelve (12) months before the event giving rise to the liability, or, where no fees were paid, AUD $100.

(c) Your responsibility. You are responsible for your own decisions and for obtaining your own professional advice. We are not liable for any loss arising from your reliance on any output of the Tools or on any of the Materials, except to the extent caused by our breach of a consumer guarantee that cannot be excluded.

10. Indemnity

To the extent permitted by law, and except to the extent caused by our own breach, negligence or wilful misconduct, you indemnify us against any reasonably foreseeable liability, loss, cost or expense we suffer arising from your breach of these Terms, your misuse of the Website, the Tools or the Materials, or your infringement of the rights of any third party. Your liability under this clause is reduced to the extent that our act or omission contributed to the loss.

11. Intellectual property

All intellectual property rights in the Website, the Tools, our methodologies, frameworks, templates, course materials, written content, designs, logos and branding (together, the "Anovia IP") are owned by or licensed to us. Nothing in these Terms transfers any intellectual property rights to you.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Anovia IP for your own internal business or personal purposes in accordance with these Terms. You must not copy, reproduce, adapt, modify, publish, distribute, sell, sub-licence, on-supply or commercially exploit any of the Anovia IP without our prior written consent, except as permitted by law.

If you provide us with any feedback or suggestions, you agree we may use them without restriction or obligation to you.

12. Confidentiality

Each of us may receive confidential information belonging to the other. Each party agrees to keep the other's confidential information confidential, to use it only as needed to perform its obligations or exercise its rights under these Terms, and not to disclose it to any third party without consent, except where required by law or to professional advisers under a duty of confidence. This clause does not apply to information that is public through no fault of the receiving party, or that the receiving party already held or developed independently.

13. Third-party services and links

The Website may use, link to, or integrate third-party services (such as payment processors, hosting providers and analytics). We are not responsible for the content, products, services, or practices of any third party, and your dealings with them are at your own risk and subject to their terms.

14. Privacy

We handle personal information in accordance with our Privacy Policy, above, and with applicable privacy law. By using the Website and the Services, you consent to our collection, use and disclosure of your personal information as described in that policy.

15. Availability, suspension and termination

We may suspend, restrict or terminate your access to the Website, the Tools or a Service if you breach these Terms, if we reasonably suspect unlawful or harmful conduct, or where we are required to do so by law. Where it is reasonable to do so, we will give you notice.

You may stop using the Website and the Tools at any time, and may cancel a subscription in accordance with clause 5.

Clauses that by their nature should survive termination (including clauses 4, 8, 9, 10, 11, 12 and 18) continue to apply after these Terms end.

16. Changes to these Terms

We may update these Terms from time to time, for example to reflect changes to our Services or to the law. We will publish the updated Terms on the Website and update the "Last updated" date. Where a change is material and you hold an active membership or paid Service, we will take reasonable steps to notify you. Changes apply from the date they are published and do not apply retrospectively. If you continue to use the Website or Services after a change takes effect, you accept the updated Terms.

17. If something goes wrong

If you have a concern or complaint, please contact us first at anoviaadvisory@outlook.com so we can try to resolve it. Both parties agree to act reasonably and in good faith to resolve any dispute before commencing court proceedings, except where urgent interlocutory relief is needed. Nothing in these Terms limits your right to make a complaint to the Australian Competition and Consumer Commission, NSW Fair Trading, or another relevant regulator.

18. General

Governing law. These Terms are governed by the laws of New South Wales, Australia. You and we submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts that may hear appeals from them.

Force majeure. Neither party is liable for any delay or failure to perform its obligations (other than an obligation to pay money) to the extent caused by an event beyond its reasonable control.

Assignment. You may not assign or transfer your rights under these Terms without our consent. We may assign or novate our rights and obligations on reasonable notice.

Severance. If any part of these Terms is found to be invalid or unenforceable, it is to be read down to the minimum extent necessary, or severed, and the rest of these Terms continues to apply.

Waiver. A failure or delay by either party to exercise a right under these Terms is not a waiver of that right.

Entire agreement. These Terms (together with any policy or document they refer to, and any separate engagement agreement for bespoke work) make up the entire agreement between you and us about your use of the Website, the Tools and the Services, and replace any earlier representations or agreements on that subject.

19. Contact

Anovia Advisory ABN 70 259 220 848 Email: anoviaadvisory@outlook.com