Terms of Service

Effective Date: March 2026 | Last Reviewed: March 2026

1. Acceptance of These Terms

These Terms of Service (‘Terms’) govern your access to and use of the website www.riskprotector.com.au (‘Website’) and the services provided by Risk Protector Pty Ltd (ABN 71 696 228 770) (‘Risk Protector’, ‘we’, ‘us’, ‘our’).

By accessing this Website, submitting an enquiry, completing our Structural Data Intake Form, engaging our services, or otherwise using any part of this Website, you confirm that you have read, understood and agree to be bound by these Terms and our Privacy Policy (available at www.riskprotector.com.au/privacy-policy).

If you do not agree with these Terms, you must immediately stop using this Website and must not engage our services.

These Terms apply to all visitors to the Website, all persons who submit enquiries or intake forms, and all clients who engage Risk Protector’s services. References to ‘you’ and ‘your’ apply to all of the above.

2. About Risk Protector - Who We Are

Risk Protector Pty Ltd is a Brisbane-based strategic advisory business founded by two highly experienced businesspeople with over 100 years of combined active business experience. Our founding team has navigated ASX listings, capital raisings totalling over A$150 million, Director Penalty Notices, ATO disputes, cash flow crises, litigation, corporate restructures, partnership disputes and more – from the director’s chair, not from a professional services desk.

Risk Protector’s services are delivered by a team that includes the founding partners and an extended network of associates comprising retired and practising lawyers, accountants, tax specialists, experienced business managers, former ASX company directors, capital markets professionals and government grant specialists.

IMPORTANT: Risk Protector Pty Ltd does not hold a licence to provide legal advice, financial advice, or taxation advice. Neither of the founding partners is a registered legal practitioner, licensed financial adviser, or registered tax agent. Our services are strategic architecture, document preparation and mentoring only. Nothing on this Website or in any service, report or document produced by Risk Protector constitutes or should be relied upon as legal, financial or taxation advice.

3. Our Services - Disclosure and Scope

3.1 What Risk Protector Provides

Risk Protector provides the following categories of services to SME directors, business owners and start-up founders:

Business Risk Assessment: Review of your Structural Data Intake Form using our internal Red-Amber-Green scoring framework, followed by preparation of a written Risk Assessment Report identifying key vulnerabilities and recommended actions.
Strategic Architecture: Practical guidance on corporate structuring, restructuring, asset protection, IP protection, trust structures and personal director risk mitigation – based on our own extensive real-world experience.
Document Preparation: Preparation of draft strategic documents including trust deeds, licensing agreements, consulting agreements, employment arrangements, business plans, information memoranda (ASIC-compliant), and other commercial documents, for review and finalisation by your own qualified solicitors.
Mentoring and Coaching: Ongoing advisory, mentoring and coaching services scoped and quoted on a per-engagement basis following initial assessment.
Capital Raising Support: Preparation of business plans and information memoranda designed to support capital raising activities; coaching on investor engagement strategy and approach.
ATO and DPN Navigation: Practical guidance on navigating ATO disputes, Director Penalty Notice situations, DPO disputes and related creditor management – drawing on the founding team’s direct experience with such matters.
ASIC Register Maintenance: Assistance with establishing and maintaining company registers and ASIC register information.
Potential Co-Investment: At Risk Protector’s sole discretion and following careful assessment, we may consider investing in client businesses. Any such investment is an entirely separate commercial arrangement and is not part of, or in exchange for, any advisory or mentoring service.

3.2 What Risk Protector Does NOT Provide

The following are expressly outside the scope of Risk Protector’s services. You must seek qualified, licensed professionals for these matters:

Legal advice: Risk Protector does not provide legal advice of any kind. We do not advise on your legal rights, obligations or liabilities, and nothing we say or write should be treated as legal advice. Draft documents prepared by Risk Protector must be reviewed and finalised by a qualified solicitor before execution.
Financial product advice: Risk Protector does not hold an Australian Financial Services Licence (AFSL) and does not provide advice about financial products, securities, investment strategies or superannuation within the meaning of the Corporations Act 2001 (Cth).
Taxation advice: Risk Protector does not provide taxation advice and is not a registered tax agent under the Tax Agent Services Act 2009 (Cth). For taxation matters, consult a registered tax agent or tax solicitor.
Litigation conduct: We do not act as your legal representative in any legal proceeding. Where litigation is involved, a qualified solicitor must be engaged.
Accounting services: We do not prepare financial statements, tax returns, or provide any service regulated under the Corporations Act 2001 (Cth) or the Tax Agent Services Act 2009 (Cth).

3.3 The Service Engagement Process

Our standard engagement process is as follows:

Step 1 – Free Business Health Check: You complete our Structural Data Intake Form (approximately 6 – 13 structured questions). There is no charge for completing and submitting this form.
Step 2 – Internal Assessment: Risk Protector reviews your form using our internal Red-Amber-Green scoring framework to assess the nature and urgency of your risk exposure.
Step 3 – Risk Assessment Report: A comprehensive written Risk Assessment Report is prepared and delivered to you for an agreed fee (currently A$1,888). This report identifies structural vulnerabilities, priority actions and recommended next steps.
Step 4 – Consultation: You are invited to discuss the findings with the Risk Protector team before engaging your own professional advisers for implementation.
Step 5 – Ongoing Services: Further advisory, document preparation or mentoring services are scoped and quoted separately as required.

The Risk Assessment Report is a strategic and practical document only. It does not constitute legal, financial or taxation advice. You should take the report to your own solicitor, accountant or financial adviser before acting on any recommendation.

4. How You May Use This Website

4.1 Permitted Use

You may access and use this Website for the following purposes only:

Reading information about Risk Protector’s services and credentials
Submitting a Structural Data Intake Form or other enquiry
Accessing articles, guides and resources published on this Website
Contacting Risk Protector via any contact form or email link provided
Any other use that is lawful, consistent with these Terms, and not harmful to Risk Protector or any third party

4.2 Prohibited Use

You must not use this Website, or any content obtained from it, for any of the following purposes:

Reproducing, distributing, republishing or commercially exploiting any content, articles, documents or materials from this Website without our prior written consent
Submitting false, misleading or fraudulent information through any form or intake process on this Website
Attempting to gain unauthorised access to any part of this Website or any systems or networks connected to it
Uploading or transmitting any malicious code, virus, malware, or harmful content to or through this Website
Using automated bots, scrapers or data harvesting tools to extract content from this Website without our written consent
Using this Website in any way that violates any applicable law, regulation, or the rights of any third party
Impersonating any person or entity, or misrepresenting your affiliation with any person or organisation
Using content from this Website to train, develop or improve any artificial intelligence model, machine learning system or similar technology without our prior written consent

Risk Protector reserves the right to terminate access to this Website for any user who violates these Terms.

4.3 Website Availability

We do not guarantee that this Website will be available at all times or free from errors, interruptions or defects. We may take the Website offline for maintenance, updates or other operational reasons without notice. We accept no liability for any loss or inconvenience arising from any unavailability of the Website.

5. Fees and Payment

5.1 Free Services

The submission of our Structural Data Intake Form and the initial assessment of your enquiry are provided at no charge.

5.2 Paid Services

Our Risk Assessment Report and all subsequent advisory, document preparation and mentoring services are provided for agreed fees. The current fee for a Risk Assessment Report is A$1,888 (GST exclusive). Specific fees will be confirmed in writing before any chargeable service is commenced.

Additional services beyond the initial Risk Assessment Report will be scoped and quoted on a case-by-case basis, either at a fixed fee or on an hourly rate basis as agreed in writing.

5.3 Payment Terms

Unless otherwise agreed in writing, payment is required in advance of delivery of any paid service. Risk Protector will issue a tax invoice prior to commencement of any chargeable engagement. We reserve the right to withhold delivery of any report, document or service until full payment has been received.

5.4 Refund Policy

Given the bespoke and time-intensive nature of our services, fees paid for work already commenced are generally non-refundable unless we agree otherwise in writing. If Risk Protector determines, following review of your intake form, that we are unable to assist you, we will advise you at no charge and no fee will be payable. Your rights under the Australian Consumer Law are not affected by this clause.

6. Intellectual Property

6.1 Our Intellectual Property

All content on this Website – including text, articles, guides, frameworks, templates, graphics, logos, the Risk Protector name and brand – is owned by or licensed to Risk Protector Pty Ltd and is protected by Australian and international copyright and intellectual property laws.

You may access and read content on this Website for your own personal, non-commercial information purposes. You may not reproduce, distribute, adapt, publish or commercialise any content without our prior written consent.

6.2 Documents We Prepare for You

Documents, reports and templates prepared specifically for you as part of a paid engagement are provided for your personal and business use only. You may not commercialise, resell or distribute materials prepared by Risk Protector without our written consent. Risk Protector retains the right to use de-identified frameworks, methodologies and document structures in future work.

6.3 Your Content

Information and documents you submit to Risk Protector – including your completed intake form and any supporting materials – remain your property. By submitting them, you grant Risk Protector a limited, non-exclusive licence to use that information for the sole purpose of providing our services to you. We will handle your information in accordance with our Privacy Policy.

7. Disclaimer of Warranties

This Website and all content, reports, documents and services provided by Risk Protector are provided on an ‘as is’ and ‘as available’ basis. To the maximum extent permitted by law, Risk Protector makes no warranty, representation or guarantee – express or implied – including as to:

The accuracy, completeness, currency or fitness for purpose of any content on this Website
The suitability of any information, report or recommendation for your specific circumstances
Any outcome, result or benefit that may or may not arise from following any recommendation, report or document prepared by Risk Protector
The uninterrupted, error-free availability of this Website

The information, articles and resources published on this Website are provided for general information purposes only. They are not a substitute for qualified legal, financial or taxation advice tailored to your specific circumstances.

Nothing in this clause excludes any guarantee, condition or warranty implied by the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot lawfully be excluded.

8. Limitation of Liability

8.1 General Limitation

To the fullest extent permitted by law, Risk Protector Pty Ltd, its founding partners, associates, employees and contractors will not be liable to you or any third party for any of the following, whether arising in contract, tort (including negligence), statute or otherwise:

Any direct, indirect, incidental, special or consequential loss or damage
Loss of profit, loss of revenue, loss of business, loss of opportunity, or loss of anticipated savings
Loss of data or corruption of data
Any loss or damage arising from your reliance on information, content, reports or documents provided by Risk Protector
Any loss or damage arising from your failure to obtain independent qualified legal, financial or taxation advice before acting on any recommendation or document provided by Risk Protector
Any loss or damage caused by events outside our reasonable control, including acts of God, government action, internet outages, or third-party service failures

8.2 Cap on Liability

Where liability cannot be excluded by law, Risk Protector’s total aggregate liability to you for all claims arising out of or in connection with these Terms or our services is limited, at Risk Protector’s election, to:

Re-supplying the relevant service; or
Refunding the fee paid by you for the specific service giving rise to the claim.

In no event will Risk Protector’s aggregate liability exceed the total fees actually paid by you to Risk Protector in the three months preceding the event giving rise to the claim.

8.3 Australian Consumer Law

Nothing in these Terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition, implied or imposed by the Australian Consumer Law that cannot lawfully be excluded or limited. Where the Australian Consumer Law applies and permits limitation, Risk Protector’s liability is limited to the options set out in clause 8.2 above.

8.4 Your Responsibility to Seek Qualified Advice

You acknowledge and agree that:

Risk Protector’s services are strategic and practical in nature only, and are not a substitute for qualified legal, financial or taxation advice.
It is your responsibility to engage and pay for qualified solicitors, accountants and financial advisers to review, finalise and implement any recommendation, structure or document arising from our services.
Risk Protector’s liability for any loss arising from your failure to obtain such independent advice is excluded to the maximum extent permitted by law.

Risk Protector strongly recommends that before acting on any Risk Assessment Report, strategic recommendation, or draft document produced by us, you obtain independent qualified legal and financial advice. The consequences of acting on incomplete or unreviewed advice in business matters can be serious and irreversible. This is not optional guidance – it is a fundamental condition of engaging our services.

9. Indemnity

You agree to indemnify, defend and hold harmless Risk Protector Pty Ltd, its founding partners, associates, employees and contractors against any claim, loss, liability, cost or expense (including reasonable legal costs) arising from or in connection with:

Your breach of these Terms
Any false, misleading or fraudulent information you provide to Risk Protector, whether through the Website, intake form or otherwise
Your use of any report, document, recommendation or strategy provided by Risk Protector without first obtaining independent qualified legal and financial advice
Any claim by a third party arising from your use of our services

10. Confidentiality

10.1 Your Information

Risk Protector treats all information you share with us — including business details, financial circumstances, director information, legal matters and personal circumstances — as strictly confidential. We will not disclose your confidential information to any third party without your consent, except as required by law or as expressly provided in our Privacy Policy.

10.2 Our Methodologies and Documents

Our internal scoring frameworks, assessment methodologies, document templates and proprietary processes are the confidential property of Risk Protector. You may not disclose, reproduce or share these with any third party without our written consent.

10.3 Associates and Referrals

Where we involve an associate (such as a retired lawyer, accountant or specialist) in your matter with your knowledge, that associate will be engaged under obligations of confidentiality consistent with these Terms.

11. Third-Party Links and External Resources

This Website may contain links to external websites including the ATO, ASIC, the ASX, and other authoritative third-party resources. These links are provided for your information and convenience only.

Risk Protector does not endorse, control or take responsibility for the content, accuracy or privacy practices of any third-party website. Accessing any third-party website is entirely at your own risk and subject to that website’s own terms of service and privacy policy.

12. Privacy

Risk Protector collects, holds, uses and discloses personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and our Privacy Policy. Our Privacy Policy forms part of these Terms and is incorporated by reference. By using this Website or engaging our services, you consent to the collection and use of your information as described in our Privacy Policy.

Our Privacy Policy is available at www.riskprotector.com.au/privacy-policy. If you have any privacy concerns, please contact us at contact@riskprotector.com.au.

13. Termination and Suspension of Services

13.1 Termination by You

You may discontinue use of this Website and our services at any time. If a paid engagement is in progress, written notice of termination should be provided to contact@riskprotector.com.au. Fees for work already performed at the date of termination remain payable.

13.2 Termination by Risk Protector

Risk Protector may terminate or suspend your access to this Website or our services at any time if:

You breach any of these Terms
We determine, in our reasonable judgement, that we are unable to assist you or that continuing the engagement would not be in your interests or ours
You provide false, misleading or fraudulent information in connection with any engagement
We are required to do so by law

In the event of termination by Risk Protector other than for your breach, a proportionate refund of any prepaid fees for unperformed services will be provided.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Queensland, Australia. The Commonwealth laws of Australia – including the Competition and Consumer Act 2010 (Cth), the Privacy Act 1988 (Cth), the Corporations Act 2001 (Cth) and the Tax Agent Services Act 2009 (Cth) – also apply to the extent relevant.

Both parties irrevocably submit to the exclusive jurisdiction of the courts of Queensland and the Federal Court of Australia in respect of any dispute arising out of or in connection with these Terms or our services.

Risk Protector makes no representation that the content of this Website is appropriate or lawful for access from locations outside Australia. If you access this Website from outside Australia, you do so at your own initiative and are responsible for compliance with applicable local laws.

15. Dispute Resolution

If a dispute arises between you and Risk Protector in connection with these Terms or our services, the parties agree to the following process before commencing any formal legal proceedings:

The party raising the dispute must provide written notice to the other party describing the nature of the dispute and the resolution sought.
Within 14 days of receiving that notice, the parties must meet (in person or by video conference) in good faith to attempt to resolve the dispute.
If the dispute is not resolved within 28 days of the initial notice (or such longer period as agreed in writing), either party may then pursue their available legal remedies.

Nothing in this clause prevents either party from seeking urgent injunctive or other interlocutory relief from a court of competent jurisdiction.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any written engagement agreement or quote provided to you, constitute the entire agreement between you and Risk Protector with respect to the subject matter hereof, and supersede all prior representations, negotiations and understandings.

16.2 Severability

If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.

16.3 Waiver

A failure or delay by Risk Protector to exercise any right under these Terms does not constitute a waiver of that right. No waiver of any breach of these Terms shall be construed as a continuing waiver of other breaches.

16.4 Assignment

You may not assign or transfer any rights or obligations under these Terms without our prior written consent. Risk Protector may assign its rights under these Terms to a related entity or in connection with a business sale or restructure.

16.5 Force Majeure

Risk Protector will not be liable for any failure or delay in performing its obligations under these Terms where that failure or delay is caused by circumstances beyond our reasonable control, including acts of God, government action, natural disasters, pandemics, power failures, or internet outages.

17. Changes to These Terms

Risk Protector reserves the right to update these Terms at any time. The current version will always be published at www.riskprotector.com.au. Where material changes are made, we will take reasonable steps to notify users. Your continued use of this Website or our services after publication of updated Terms constitutes acceptance of those changes.

We recommend reviewing these Terms periodically. The effective date at the top of this document indicates when the Terms were last updated.

18. Contact Us

For any questions about these Terms of Service, or to provide notice under any provision of these Terms, please contact us at:

Company: Risk Protector Pty Ltd

ABN: 71 696 228 770

Address: Brisbane, Queensland, Australia

Website: www.riskprotector.com.au

Email: contact@riskprotector.com.au

Important Disclaimer: Risk Protector Pty Ltd (ABN 71 696 228 770) provides strategic architecture, document preparation and mentoring services only. Nothing on this Website, in these Terms, or in any document, report, assessment or communication produced by Risk Protector constitutes legal, financial or taxation advice. The founding team and associates of Risk Protector do not hold professional licences in law, accounting or financial services. All documents prepared by Risk Protector must be reviewed and finalised by a qualified solicitor before execution. Before acting on any recommendation, you should obtain independent qualified legal and financial advice. These Terms of Service do not constitute legal advice. For guidance on the legal enforceability of any term, consult a qualified solicitor.

Risk Protector Pty Ltd | ABN 71 696 228 770 | Brisbane, Australia | www.riskprotector.com.au | contact@riskprotector.com.au