Terms of Use

By accessing or using the Klyvon website (klyvon.com.au) and services ("Services"), you agree to be bound by these Terms of Use ("Terms"). If you are accessing the Services on behalf of a business or organisation, you represent that you have authority to bind that entity to these Terms.

If you do not agree to these Terms, you must not use our Services. We may update these Terms at any time. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

Klyvon provides compliance tools and resources to assist Australian businesses in understanding and meeting their obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the AML/CTF Amendment Act 2024 (Cth) ("AML/CTF Laws").

Our Services include:

• Free scope-checking tools and compliance checklists
• AI-assisted AML/CTF Program document generation (Klyvon Pro)
• Client due diligence and staff training templates
• AUSTRAC enrolment guides and compliance calendar tools
• Suspicious matter report (SMR) templates and filing guidance

Klyvon is not a law firm and does not provide legal advice. Our Services provide general compliance guidance, document templates, and educational information only. Nothing in our Services constitutes legal advice, and no lawyer-client relationship is created through your use of our platform.

You should not rely on our Services as a substitute for professional legal, compliance, or financial advice tailored to your specific circumstances. We strongly recommend you consult a qualified lawyer or compliance professional if you have specific questions about your legal obligations.

Klyvon's documents, templates, and guidance are intended as starting points to assist practitioners. They may need to be adapted to your specific business circumstances, risk profile, and applicable regulations.

To access paid features, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorised access to your account
• Take responsibility for all activities that occur under your account

You must be at least 18 years of age to create an account. Accounts created for business use must be registered by an authorised representative.

Paid Plans: Klyvon Pro is available on a month-to-month subscription basis. Prices are as displayed on our Pricing page and are in Australian Dollars (AUD), exclusive of GST. GST will be added at checkout where applicable.

Billing: You authorise us to charge your nominated payment method on a recurring monthly basis until you cancel. Billing occurs on the same date each month from the date of your initial subscription.

Free Trial: Where a free trial is offered, you will not be charged until the trial period ends. You may cancel before the trial ends to avoid any charge.

Cancellation: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. We do not provide pro-rata refunds for partial months, except where required by law.

Price changes: We will provide at least 30 days' notice of any price increase before it takes effect on your account.

Our Services come with guarantees that cannot be excluded under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)). You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage.

If you believe our Services have not met these guarantees, please contact us at support@klyvon.com.au. We will assess your request promptly.

Outside of statutory rights, we do not offer refunds for change of mind or if you have started downloading or generating documents.

Klyvon's IP: All intellectual property in the Klyvon platform, including software, design, content, templates, and documentation, is owned by or licensed to Klyvon. You may not copy, reproduce, distribute, or create derivative works from our platform content without our express written permission.

Your documents: Documents you generate using our Services are yours. You own the output of the compliance documents and templates you create through our platform, subject to these Terms.

Feedback: If you provide feedback or suggestions about our Services, you grant us a non-exclusive, royalty-free, perpetual licence to use that feedback for any purpose without restriction or compensation.

You must not use our Services to:

• Violate any applicable law or regulation
• Provide false or misleading information
• Attempt to gain unauthorised access to any part of our platform or systems
• Distribute malware, viruses, or other harmful code
• Scrape, harvest, or systematically extract data from our platform
• Resell, sublicence, or commercially exploit our Services without our written consent
• Use our Services to create compliance documents for third parties on a commercial basis (i.e., as a compliance consultant), unless expressly authorised by us

Some features of Klyvon use artificial intelligence to assist in generating document content and compliance guidance. You acknowledge that:

• AI-generated content may contain errors, omissions, or inaccuracies
• You are responsible for reviewing all generated documents before using them
• AI-generated documents may require adaptation to your specific circumstances
• Klyvon does not warrant that AI-generated content is complete, accurate, or fit for any particular purpose

We recommend you have a qualified compliance professional review any AML/CTF Program document before submitting it to AUSTRAC or relying on it operationally.

To the maximum extent permitted by law, Klyvon's total liability to you for any claim arising out of or in connection with these Terms or our Services is limited to the greater of:

• The amount you paid to Klyvon in the 12 months prior to the event giving rise to the claim, or
• AUD $200

Klyvon is not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, regulatory fines, or business interruption, even if we have been advised of the possibility of such damages.

Nothing in these Terms excludes liability that cannot be excluded under the Australian Consumer Law.

To the maximum extent permitted by law, Klyvon provides the Services on an "as is" and "as available" basis, without warranties of any kind, express or implied. We do not warrant that:

• The Services will be uninterrupted, error-free, or secure
• The information provided is accurate, complete, current, or suitable for your specific legal obligations
• Documents generated through the Services will satisfy AUSTRAC's compliance requirements in your specific circumstances

You acknowledge that regulatory requirements can change and that you are responsible for keeping your compliance program up to date.

We may suspend or terminate your access to the Services immediately and without notice if you breach these Terms or engage in conduct that we reasonably consider harmful to Klyvon, other users, or third parties.

You may terminate your account at any time by cancelling your subscription and contacting us to request account deletion.

Upon termination, your right to use the Services ceases immediately. Provisions that by their nature should survive termination (including intellectual property, limitation of liability, and dispute resolution) will survive.

Your use of our Services is also governed by our Privacy Policy, available at klyvon.com.au/privacy-policy. Our Privacy Policy explains how we collect, use, and protect your personal information. By using the Services, you consent to our collection and use of your information as described therein.

These Terms are governed by the laws of Victoria, Australia. You and Klyvon submit to the exclusive jurisdiction of the courts of Victoria for any dispute arising out of or in connection with these Terms or our Services.

Nothing in this clause prevents either party from seeking urgent injunctive relief from any competent court.

If you have any questions about these Terms, please contact us:

Email: legal@klyvon.com.au Mail: Klyvon, Melbourne VIC, Australia

These Terms were last updated on 1 May 2026.