Terms & Conditions

0. No Reliance — Signal-Only Nature of the Service

You expressly acknowledge, agree and warrant that:

• the Service is a signalling and decision-support tool only and does not, and is not intended to, detect, prevent, stop, block, quarantine, recover, insure against, indemnify against, or guarantee the absence of any fraud, scam, cybercrime, data breach, unauthorised transaction, or loss of any kind;
• a "Safe", "Low Risk", "Verified", "Trusted" or similar Output is not a warranty, certification, or guarantee that a supplier, invoice, payment, communication, document, person or bank account is legitimate, solvent, honest, authorised or free of fraud;
• a "High Risk", "Suspicious", "Blocked" or similar Output is not an accusation, defamation, statement of fact, or determination that any person or entity has engaged in fraud, dishonesty, insolvency or any wrongdoing — it is a probabilistic risk signal only;
• Outputs will contain false positives and false negatives and may be inaccurate, incomplete, out-of-date, biased or wrong;
• you will not rely solely on the Service when making any payment, engagement, disengagement, refund, report, disclosure or other material decision, and you will independently verify each such decision;
• you are solely responsible for your systems, credentials, staff training, payment controls, dual-authorisation processes, banking arrangements, insurance and cyber-security posture; and
• you release Rilla Shield from any claim arising from your reliance on the Service, from a false positive, from a false negative, from an undetected fraud or scam, or from any data breach, security incident, outage or third-party act to the maximum extent permitted by law.

If you do not accept this signal-only nature and the allocation of risk in these Terms, you must not use the Service.

1. Definitions & Application

In these Terms, "Service" means the RILLA Shield website, applications, browser extension, APIs, reports and related services operated by Rilla Shield Defence Pty Ltd (ABN 80 678 733 950) ("we", "us", "our"). "You" means the individual or entity accessing or using the Service.

These Terms apply to all users, including:

• Business users: any individual using the Service on behalf of a company, partnership, sole trader or other organisation; and
• Consumers: individuals using the Service wholly or predominantly for personal, domestic or household use.

By creating an account, accessing or using the Service, you agree to these Terms and our Privacy Policy, Cookie Policy and Data Breach Policy. If you use the Service on behalf of a business, you represent that you have authority to bind that organisation.

2. Services

RILLA Shield provides AI-powered decision-support tools that help Australian businesses detect and manage risks relating to invoices, emails, suppliers, bank accounts, SMS, phone numbers, payment requests, contracts, documents and related fraud or cyber threats.

The Service is decision-support only. It does not replace accountants, lawyers, financial advisers, insurers, banks, licensed investigators, law-enforcement agencies, KYC/AML providers, auditors or any other qualified professional. We do not hold an Australian Financial Services Licence (AFSL), Australian Credit Licence (ACL) or legal-services licence.

3. Account Registration & Security

You must provide accurate and complete information when registering. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You must notify us immediately of any unauthorised access or security breach. We may suspend access if we reasonably believe your account has been compromised or is being used in breach of these Terms.

4. Acceptable Use

You must not use the Service to:

• commit fraud, facilitate scams, or engage in unlawful activity;
• upload content you do not have the right to use or that infringes any third-party right;
• interfere with, disrupt, overload, or test the vulnerability of the Service;
• reverse engineer, scrape, crawl, harvest, or extract data from the Service;
• send spam, phishing, malware, or other harmful material through or to the Service;
• generate, distribute, or promote illegal content, deepfakes, hate speech, or malware;
• use Service outputs to train, fine-tune, benchmark, or improve another AI or machine-learning model without our written consent;
• remove, obscure, or alter RILLA branding, watermarks, or proprietary notices from outputs.

We reserve the right to remove content, restrict outputs, suspend or terminate accounts, and report unlawful activity to authorities.

5. AI Outputs, Risk Scores & No Advice

RILLA Shield uses artificial intelligence, machine learning, third-party data feeds, public registries, telecommunications signals and heuristic rules to produce risk scores, verdicts (including labels such as "Safe", "Suspicious", "High Risk", "Verified" or similar), fraud reports, alerts, recommendations, certificates and evidence packs (collectively, "Outputs"). Outputs are provided solely as guides to help you make your own informed decisions.

You expressly acknowledge and agree that Outputs:

• are not financial, legal, accounting, tax, credit, insurance, investment, or personal advice of any kind;
• are not an audit, certification, forensic report, expert opinion, background check, KYC/AML verification, or formal statement of authenticity, solvency, creditworthiness, identity or trustworthiness;
• are not a direction, instruction, guarantee, warranty or recommendation to pay, refuse to pay, transact with, refuse to transact with, engage, dismiss, report, or take any other action;
• are signals, flags, or indications of potential risk only — they do not detect, prevent, stop, or guarantee the absence of fraud, scams, invoice redirection, payment diversion, business email compromise, or cybercrime;
• may be inaccurate, incomplete, out-of-date, biased, or wrong, including false positives and false negatives;
• rely on third-party data sources whose accuracy, availability and currency we do not control;
• are generated by probabilistic AI models that can hallucinate, misinterpret documents, or produce confident but unreliable results; and
• must be independently verified by you and, where the stakes justify it, corroborated with a qualified professional before you rely on them.

You are solely responsible for every decision you make with the assistance of the Service, including any decision to pay, delay, cancel, dispute, refund, report, share, publish or act upon any invoice, payment, communication, supplier or relationship. Rilla Shield is not your agent, fiduciary, adviser, broker, auditor, insurer, escrow provider, bank, or payment processor. No such relationship is created by your use of the Service.

You must have the right to upload any content you submit. You are responsible for your prompts, uploads and any onward use, sharing or publication of Outputs (including sharing reports with clients, insurers, banks or authorities).

6. Intellectual Property

We retain all ownership of the Service, software, documentation, branding, AI prompts, scoring methodology, model orchestration, reports, certificates, and underlying technology. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your internal business purposes within the scope of your selected plan.

You retain ownership of content you upload. You grant us a limited licence to host, process, analyse, and transmit that content solely to provide the Service to you. You may not use Outputs or RILLA branding to train another model, create a competing product, or remove proprietary notices.

7. Trials, Subscriptions, Payments & Refunds

We may offer free trials, promotional credits, or pilot programs ("Trials"). Trials are for evaluation only and may be limited by usage, time, or features. No payment details are required for some Trials; where required, you authorise us to charge the applicable subscription fee at the end of the Trial unless you cancel.

Subscriptions are billed monthly in advance in Australian Dollars (AUD) and exclude GST unless stated otherwise. Prices may change with 30 days' notice. Payments are processed by Stripe. By purchasing, you also agree to Stripe's terms. Rilla Shield is the seller and is responsible for product delivery and support.

We offer a 30-day money-back guarantee on subscription fees. Refund requests must be emailed to info@rillashield.com.au within 30 days of the relevant order date. Refunds are typically processed within 5–10 business days.

8. Service Level, Security & Disclaimers

We do not guarantee that the Service will be uninterrupted, error-free, completely secure, or available at all times. The Service is provided on an "as is" and "as available" basis. We may perform maintenance, updates or changes that affect availability.

We implement technical and organisational security measures (including encryption, access controls, MFA, and audit logging) to help protect your data, but no system is completely impenetrable. You are responsible for maintaining the confidentiality of your credentials and for any activity on your account.

9. Warranties & Australian Consumer Law

To the fullest extent permitted by law, the Service and all Outputs are provided "as is" and "as available", without warranty of any kind, express or implied. We disclaim all implied warranties, including merchantability, fitness for a particular purpose, acceptable quality, non-infringement, accuracy, completeness, currency, security and title.

Australian Consumer Law. Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred by the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other law where to do so would be unlawful. To the extent our liability for a breach of a non-excludable consumer guarantee can be limited, our liability is limited, at our option, to re-supplying the Service or paying the cost of having the Service re-supplied.

10. Limitation of Liability

To the maximum extent permitted by law and subject to clause 9 (Australian Consumer Law), Rilla Shield, its directors, officers, employees, contractors, agents, licensors and suppliers will not be liable to you or any third party for any loss, damage, cost or expense (whether direct, indirect, incidental, special, consequential, punitive or exemplary), including — without limitation — loss of profit, loss of revenue, loss of business or business opportunity, loss of anticipated savings, loss of goodwill or reputation, loss or corruption of data, business interruption, wasted expenditure, funds paid to fraudsters or third parties, funds not recovered, unpaid invoices, chargebacks, regulatory fines, or any economic or consequential loss, arising out of or in connection with:

• your access to, use of, or inability to use the Service;
• any Output, risk score, verdict, badge, alert, certificate or report (including where inaccurate, incomplete, out-of-date, or wrong);
• your reliance on the Service or any Output when deciding to pay, refuse, delay or dispute any invoice, transaction, supplier or communication;
• any actual or attempted fraud, scam, phishing, business email compromise, invoice redirection, payment diversion, identity theft or cybercrime, whether or not the Service flagged it;
• third-party services, data sources, integrations, links or content;
• unauthorised access to your account, systems or data;
• any interruption, delay, outage or defect in the Service; or
• any act or omission of you, your employees, contractors or agents in response to the Service.

Our aggregate liability to you for all claims arising out of or in connection with these Terms or the Service is capped at the greater of (a) AUD $100, or (b) the total fees you actually paid to us in the three (3) months immediately preceding the event first giving rise to the claim.

You acknowledge that the pricing of the Service reflects the allocation of risk set out in these Terms, that these limitations are a fundamental basis of the bargain between us, and that they will apply even if any limited remedy fails of its essential purpose. Nothing in these Terms excludes liability for fraud, death or personal injury caused by our negligence, or any other liability that cannot be excluded by law.

11. Indemnity

You agree to indemnify, defend and hold harmless Rilla Shield and its directors, officers, employees, contractors and agents from and against any claims, liabilities, damages, losses, costs, expenses, legal fees and demands (including from third parties) arising out of or in connection with:

• your content, uploads, or inputs to the Service;
• your unlawful, fraudulent, or negligent use of the Service;
• your breach of these Terms or any applicable law;
• any claim that your use of the Service infringes a third party's intellectual property, privacy, or other rights;
• any act or omission of your employees, contractors, or agents in connection with the Service; and
• any reliance on Outputs by you or any third party to whom you disclose Outputs.

12. Suspension, Termination & Data

We may suspend or terminate your access if you materially breach these Terms, fail to pay fees, pose a security or fraud risk, or repeatedly or seriously violate our policies. Upon termination, your right to use the Service ceases immediately. You may export your data before termination; after a reasonable grace period, we may delete your account data, subject to legal retention requirements.

13. Data Processing & Privacy

Our collection, use and protection of personal information is described in our Privacy Policy. We process data in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and the Notifiable Data Breaches scheme. Our data breach response procedures are set out in our Data Breach Policy.

14. Governing Law, Disputes & Class Action Waiver

These Terms are governed by the laws of New South Wales, Australia. Any dispute arising from these Terms or the Service will be subject to the exclusive jurisdiction of the courts of New South Wales.

To the fullest extent permitted by law, you agree that any dispute will be resolved on an individual basis and not as a class action, representative action, or collective proceeding.

15. Assignment, Subcontracting & Force Majeure

You may not assign or transfer your rights under these Terms without our prior written consent. We may use subcontractors, service providers and affiliates to provide the Service, and may assign our rights in connection with a merger, acquisition, or sale of assets. Neither party will be liable for failure to perform due to events beyond reasonable control.

16. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email or through the Service. Continued use after the changes take effect constitutes acceptance. The "Last updated" date at the top of this page reflects the most recent revision.

17. Contact

Questions about these Terms? Contact us at legal@rillashield.com.au.