The “iFactFind” online software platform (the “Platform Website”), and the iFactFind general website
                    located at
                    https://ifactfind.com.au (the “Website”) (the
                    Website and
                    Platform Website together, the “Platform”), is controlled and
                    operated by PULSS Pty Ltd T/A iFactFind.
                
                IMPORTANT
                
                    The terms and conditions set out below (“Terms of Use”) apply to use of the Platform by Users (that
                    being any person who
                    accesses or uses the Platform) and Organisations (that being, groups who pay a subscription fee to
                    access and use
                    additional functionality of the Platform).
                
                Please read these Terms of Use carefully before using the Platform.
                The Platform is available for Users to use conditional on their acceptance of these Terms of Use. By
                    accessing or
                    using
                    the Platform, Users agree to be legally bound by these Terms of Use, just as if Users had signed an
                    agreement with
                    iFactFind.
                iFactFind reserves the right to amend these Terms of Use at any time. Notice of any amendments will
                    be displayed on
                    the
                    Website. The continued use of the Platform by a User following such amendments to these Terms of Use
                    shall
                    constitute
                    acceptance that User of those amendments. Users should familiarise themselves with these Terms of
                    Use and check for
                    updates regularly. If a User does not agree to these Terms of Use, that User should stop accessing
                    or using the
                    Platform
                    immediately.
                PLEASE CAREFULLY NOTE BEFORE READING:
                    
                        - The ability of Users to hold iFactFind responsible for any loss or damage caused by
                            accessing or
                            using the Platform
                            is
                            significantly restricted (see clause 14).
                        
- The liability of iFactFind for any loss or damage caused by accessing or using the Platform
                            is
                            significantly
                            restricted (see clause 14).
- 
                            Users’ use of the Platform is on an “as is” basis and is entirely at their own risk.
                            iFactFind
                            is not responsible for
                            loss and damage in the event that the Platform is inaccessible, or its security is
                            compromised
                            in any way.
                        
- 
                            Users who input or upload Content to the Platform provide iFactFind with a licence to use
                            that
                            Content (see clause
                            13).
                        
- 
                            Users are solely responsible for compliance with all laws and applicable or relevant
                            regulations, industry and
                            professional codes of conduct or other relevant laws when using the Platform (see clause
                            11).
                        
- 
                            Users should not input Personal Information of any Third Party into the Platform unless that
                            Third Party first
                            consents to iFactFind collecting, handling and using their Personal Information in
                            accordance
                            with its Privacy Policy.
                        
A. DEFINITIONS
                    
Where a definition is used for the first time in these Terms of Use, it will appear in Bold
                        Capitalised Text.
                    
                        “Content” means all content on the Platform including without limitation text,
                        photographs, logos,
                        names, designs,
                        information, Personal Information, financial information, data, drawings, links, video
                        recordings
                        and audio recordings.
                    
                    “Financial Services Business” means a business which provides financial-related
                        services, including
                        without limitation
                        dealing in a financial product or service, providing financial product or service
                        advice, or
                        making
                        a market for a
                        financial product or service, and also includes related businesses.
                    “Invited User” means a User who has been invited to create a User Account by an
                        Organisation.
                    “Insolvent” means an externally administered body corporate, or an insolvent
                        body
                        corporate under
                        administration, within
                        the meaning of the Corporations Act 2001 (Cth).
                    “Intellectual Property” means all intellectual property and quasi-intellectual
                        property
                        rights (past,
                        present and
                        future) conferred by law (whether registered or unregistered) including without limitation
                        business
                        names, trade
                        marks,
                        patents, designs, trade secrets, computer programs, databases, inventions, copyright, circuit
                        layout, moral rights
                        and all proprietary rights and all other
                        intellectual property defined in Article 2 of the Convention establishing the World Intellectual
                        Property
                        Organisation
                        (July 1967). 
                    “Organisation”means a person, business or company, including without limitation
                        a
                        Financial Services
                        Business, who must
                        pay a subscription fee to iFactFind in exchange for the creation of an Organisation Account on
                        the
                        Platform that
                        will
                        allow that person, business or company, and any of their Representatives, to visit, view,
                        browse,
                        access or
                        otherwise
                        use and interact with the Platform at no further cost.
                    “Organisation Account”  has the meaning provided in clause 5.1.
                    “Personal Information”  has the same meaning as in the Privacy Policy.
                    “Platform Services” means the services listed in clause 2 and any subsidiary
                        services
                        provided by
                        iFactFind via or in
                        relation to the Platform.
                    “Privacy Act”means the Privacy Act 1988 (Cth) as amended by the Privacy
                        Amendment
                        Act
                        2000 (Cth) and the
                        Privacy
                        Amendment (Enhancing Privacy Protection) Act 2012 (Cth).
                    “Privacy Policy”  means the privacy policy for the Platform as amended or
                        updated
                        from
                        time to time, a
                        copy of which can
                        be found on the following webpage: https://iFactFind.com.au/privacy-policy.html
                    “Representatives” means any employees, contractors, agents, affiliates, clients
                        or
                        other
                        authorised
                        representatives of
                        an Organisation.
                    “Third Party”  means an individual who is identified or identifiable by Third
                        Party
                        Personal
                        Information.
                    “Third Party Personal Information” means Personal Information supplied by a User
                        that
                        relates to another
                        individual who
                        is not that User.
                    “User”  is a person who visits, views, browses, accesses or otherwise uses and
                        interacts
                        with the
                        Platform.
                    “User Account”  has the meaning provided in clause 4.1 of these Terms of Use.
                    
                    “User Content”  means any Content shared via, or submitted or uploaded to, the
                        Platform
                        by a User of the
                        Platform with a
                        User Account.
                     B. TERMS OF USE
                    
                        - 
                            Application of Terms of Use
                                - 1.1
                                    These Terms of Use apply to all Users of the Platform. By visiting, viewing,
                                    browsing,
                                    accessing or otherwise using
                                    the Platform, Users accept and agree to comply with these Terms of Use.
                                
 
- 
                            Description of Platform
                                - 2.1
                                    The Platform provides the means for Users operating or representing a Financial
                                    Services
                                    Business to do the
                                    following:
                                    
                                        - Store various data relating to the management of a Financial Services
                                            Business,
                                            such as practice revenue;
-  Store various data relating to clients of a Financial Services Business,
                                            such
                                            as electronic files relating to a
                                            specific client and revenue data generated from a specific client;
- 
                                            Efficiently manage the workflow, revenue and client relationships of a
                                            Financial
                                            Services Business;
                                        
- 
                                            Assist a Financial Services Business to share data stored on the Platform to
                                            their clients and industry professionals
                                            in a secure online environment; and
                                        
- 
                                            Access additional business management, administration, record keeping and
                                            related functions, as provided by the
                                            Platform.
                                        
 
- 
                                    2.2 The Platform also provides a means for Users that are customers or
                                    clients of a Financial Services
                                    Business to
                                    access data stored on the Platform that is specifically shared with them by a
                                    Financial
                                    Services Business.
                                
- 
                                    2.3
                                    iFactFind reserves the right to introduce additional functions and services on the
                                    Platform and to alter
                                    existing functions or services on the Platform at any time without notice to Users.
                                
 
- 
                            Licence to use Platform
                                - 3.1 Subject to the terms of this Agreement, iFactFind agrees to grant
                                    Users
                                    a limited, personal,
                                    non-exclusive,
                                    non-transferable, conditional and revocable licence to view, access and use the
                                    Platform.
 
- 
                            User Account
                                - 4.1 In order to access any functionality of the Platform, Users must
                                    register a user account on the
                                    Platform (“User
                                    Account”). A User of the Platform without a User Account will have limited ability
                                    to
                                    browse the Platform but will
                                    not
                                    be able to access or use the functionality of the Platform.
- 
                                    4.2 When a User registers a User Account, they must provide some or all
                                    of
                                    the following details:
                                    
                                        - Name;
- Professional or residential address;
- E-mail address;
- Telephone number;
- Individual Authorise Representative Number – IAR (If Applicable);
- Corporate Authorised representative Number - CAR (If Applicable);
- Australian Financial Services Licence Number
- Trading Name (If Applicable);
- Financial Information;
- User Type;
 
- 
                                    4.3  Where a User registers a User Account, subject to the terms of
                                    this
                                    Agreement, iFactFind agrees to
                                    grant that User a
                                    limited, personal, non-exclusive, non-transferable, conditional and revocable
                                    licence to
                                    view, access and use additional
                                    features of the Platform as a User via their User Account.
                                
- 
                                    4.4  Users will be required to create a unique password to obtain
                                    access to
                                    their User Account
                                    (“Password”). Users are
                                    responsible for maintaining the confidentiality of their Password and undertake not
                                    to
                                    allow the security of their User
                                    Account to be compromised through misuse of their Password. Users must immediately
                                    notify iFactFind of any suspected
                                    misuse of their Password.
                                
- 
                                    4.5  Users agree that iFactFind may send e-mails to their nominated
                                    e-mail
                                    address for their User Account
                                    for the purpose
                                    of receiving any notifications from and regarding the Platform.
                                
- 
                                    4.6  iFactFind maintains the right in its sole unfettered discretion to
                                    refuse to register a User Account
                                    or terminate or
                                    suspend a User Account.
                                
- 
                                    4.7  Users agree to not transfer any User Account to any other person,
                                    or
                                    allow access to their User
                                    Account by another
                                    person unless expressly authorised by PULSS or these Terms of Use.
                                
- 
                                    4.8  Users will have differing rights and permissions to access and use
                                    the
                                    functionality of the Platform
                                    via their User
                                    Accounts (“Permissions”). iFactFind may add to and modify the Permissions attached
                                    to
                                    any User Account from time to
                                    time.
                                
 
- 
                            Organisation Account
                                - 5.1  To enable an Organisation and their Invited Users to use the
                                    Platform,
                                    and subject to the
                                    Organisation’s obligations
                                    under clause 7.1 below, iFactFind will create a global account for an Organisation
                                    to
                                    access the Platform
                                    (“Organisation
                                    Account”). If a User is the first person setting up the Organisation Account on
                                    behalf
                                    of an Organisation, they will
                                    be
                                    provided with the first User Account connected with the Organisation Account and
                                    will be
                                    referred to as the
                                    “Administrator” for the purpose of these Terms of Use.
- 5.2  The Administrator will have the ability to create User Accounts or
                                    request Invited Users to create
                                    User Accounts
                                    (with Permissions set by the Administrator), with such User Accounts being linked to
                                    the
                                    Organisation Account on the
                                    Platform. There is no limitation to the number of Invited Users that an
                                    Administrator
                                    can create and link to the
                                    Organisation Account, provided always that any Invited Users are the Organisation’s
                                    Representatives.
- 5.3  The Organisation will be permitted to allow their Representatives
                                    to
                                    access and use the
                                    Organisation Account on
                                    their behalf, however the Organisation will agree to remain entirely responsible and
                                    liable for all conduct
                                    connected
                                    with their Organisation Account. For this reason, iFactFind recommends that the
                                    Administrator creates a separate
                                    User
                                    Account for each of an Organisation’s Representatives with appropriate Permissions
                                    set
                                    by the Administrator.
- 5.4  Organisations are required to obtain a subscription for the
                                    continued
                                    use of, and access to, their
                                    Organisation
                                    Account on the Platform (each a “Subscription”). The minimum Subscription for an
                                    Organisation is a period is 12
                                    months
                                    from the date in which their Organisation Account is created (“Minimum Subscription
                                    Period”). The terms of payment
                                    to
                                    iFactFind for obtaining a Subscription are set out in clause 7 below. The
                                    Subscription
                                    provides an Organisation and
                                    any
                                    linked User Accounts to their Organisation Account with permission to use and access
                                    the
                                    Platform in accordance with
                                    the
                                    terms of these Terms of Use.
- 5.5  Organisations may have the option to request that iFactFind
                                    imports
                                    their existing client data,
                                    generally coming
                                    from another customer relationship management (CRM) software or platform, into the
                                    Platform and linked to their
                                    Organisation Account. iFactFind cannot guarantee that any existing client data will
                                    be
                                    imported with complete
                                    success
                                    and accuracy into the Platform due to potential technological restraints in
                                    importing
                                    data from incompatible CRM
                                    software or platforms.
 
- 
                            Platform Services
                                - 6.1 As part the provision of the Platform Services, iFactFind produces
                                    and
                                    delivers various data to
                                    Users via the
                                    Platform, including without limitation a range of reports and correspondence,
                                    generated
                                    from User Content which is
                                    submitted via the Platform (“Output Data”). iFactFind is not responsible for the
                                    accuracy, integrity or reliability
                                    of
                                    any Output Data produced via the Platform and delivered to Users.
- 6.2 Any Output Data produced and delivered via the Platform is intended
                                    for
                                    general information
                                    purposes only and should
                                    not be used as a substitute for financial, legal or other types of professional
                                    advice,
                                    as may be applicable.
- 6.3 The Platform may also offers a number of “plugins” or “add-ons”
                                    where
                                    Users can share specific User
                                    Content with
                                    other software programs, including without limitation Microsoft Outlook, Microsoft
                                    Word,
                                    Microsoft Excel, and Xplan
                                    (“Plugin Software”). iFactFind is not responsible in any way for the integrity,
                                    accuracy
                                    and reliability of User
                                    Content
                                    which is shared or populated from the Platform to any Plugin Software, or shared or
                                    populated from any Plugin
                                    Software
                                    to the Platform, or for information provided to any Plugin Software as a result of
                                    any
                                    interaction with the
                                    Platform.
                                    Users consent to the Platform interacting with any Plugin Software and to any Plugin
                                    Software accessing their User
                                    Content.
 
- 
                            Fees
                                - 7.1  Organisations are required to pay certain licence fees to
                                    iFactFind
                                    for obtaining a Subscription
                                    as set by iFactFind
                                    from time to time (“Fees”). Fees are payable on a monthly or annual upfront basis by
                                    Organisations to iFactFind. For
                                    further details about Fees for use of the Platform, please contact iFactFind.
- 7.2  Invited Users are not required to pay any fees for use and access
                                    to
                                    the Platform but will only be
                                    permitted to
                                    create a User Account that is linked to an Organisation Account if invited or
                                    granted
                                    permission by an Administrator
                                    of
                                    an Organisation Account (or other User with requisite Permissions provided within an
                                    Organisation Account).
- 7.3 Organisations are required to pay certain additional fees to
                                    iFactFind
                                    if they utilise any Optional
                                    Services
                                    (“Optional Fees”). Optional Fees can be payable on a monthly or annual upfront basis
                                    by
                                    Organisations to iFactFind.
                                    For
                                    further details about Optional Fees, please contact iFactFind.
- 7.4  iFactFind reserves the right to increase the Fees and Optional
                                    Fees at
                                    any time. In that event,
                                    iFactFind will
                                    provide Organisations with reasonable notice as to any increases.
 
- 
                             E-Commerce and Payment
                                - 8.1  In relation to any Fees owing, iFactFind will issue and send a tax
                                    invoice to Organisations via
                                    the nominated e-mail
                                    address linked to their Organisation Account. Organisations must pay all invoices
                                    issued
                                    to them within 7 days from
                                    the
                                    invoice date. iFactFind reserves the right to suspend access to the Organisation
                                    Account
                                    of an Organisation
                                    (including
                                    all linked User Accounts of Invited Users) without notice until all outstanding
                                    invoices
                                    are paid. It is the
                                    responsibility of Organisations to keep the e-mail account linked to their
                                    Organisation
                                    Account updated, to ensure
                                    all
                                    relevant invoices are received.
- 8.2  Fees may be paid by electronic funds transfer or direct debit.,
                                    and
                                    credit card payment may be
                                    permitted in the
                                    future.
- 8.3  If the Platform allows for payment of Fees by credit card, the
                                    following applies:
                                    
                                        -  Where a User wishes to pay for any Fees by credit card, that User will be
                                            asked
                                            to provide true and accurate
                                            billing
                                            information (including where relevant, the name of the credit card holder,
                                            billing address, date of expiry and CVC
                                            code)
                                            and also be required to provide a form of verification to establish that
                                            they
                                            are the genuine credit card holder, or
                                            otherwise have the authority to use that credit card.
-  It is the responsibility of all Users to keep their User Account and credit
                                            card details secure when using the
                                            Platform. If a User suspects that an unauthorised person has accessed their
                                            User
                                            Account, they should notify
                                            iFactFind and their card issuer immediately.
- 
                                            A Subscriber’s card issuer agreement will govern the use of their designated
                                            credit card with the Platform and will
                                            determine their rights and liabilities as a card holder.
                                        
 
 
- 
                            Privacy
                                - 9.1 When operating the Platform, iFactFind shall collect, handle and
                                    use
                                    Personal Information belonging
                                    to Users and
                                    Third Parties in accordance with its Privacy Policy
                                    https://ifactfind.com.au/privacy-policy.php. Users agree that
                                    these
                                    Terms of Use also include the Privacy Policy, which is incorporated into these Terms
                                    of
                                    Use by reference.
- 9.2  Users must not input Third Party Personal Information into the
                                    Platform as User Content unless the
                                    relevant Third
                                    Party first consents to iFactFind collecting, handling and using their Third Party
                                    Personal Information in
                                    accordance
                                    with its Privacy Policy.
- 9.3 Users must also comply with the Privacy Act when collecting,
                                    handling
                                    and using Personal
                                    Information in connection
                                    with the Platform and should also maintain and comply with their own privacy policy
                                    when
                                    dealing with Personal
                                    Information in relation to the Platform.
 
- 
                            Access to Platform
                                - 10.1  If access to the Platform is unavailable for a User due to a
                                    system
                                    malfunction caused by
                                    iFactFind (“System
                                    Malfunction”), iFactFind will use all reasonable endeavours to rectify that System
                                    Malfunction within 2 business
                                    days of
                                    being notified in writing of the System Malfunction by the affected User.
- 10.2 If a User is unable to access the Platform due to a System
                                    Malfunction
                                    for more than 2 business
                                    days, iFactFind
                                    will use all reasonable endeavours to:
                                    
                                        - Assist the User to access any required User Content connected to their User
                                            Account through other reasonable means;
                                            and
- 
                                            Rectify the System Malfunction as soon as possible to minimise any further
                                            disruption to the User.
                                        
 
- 10.3  Notwithstanding clauses 10.1 and 10.2, to the extent permitted by
                                    law, iFactFind is not
                                    responsible in any way for
                                    the inability of a User to access the Platform and their User Account for any
                                    reason,
                                    and iFactFind disclaims its
                                    liability as per the terms of clause 14.
- 10.4  iFactFind reserves the right to perform urgent maintenance of the
                                    Platform without notice to
                                    Users.
 
- 
                            Users’ Obligations
                                - 11.1 Users’ access to, and use of, the Platform is subject to
                                    applicable
                                    conditions specified in these
                                    Terms of Use,
                                    including without limitation those specified in this clause 11.
- 11.2 Users warrant to iFactFind that they shall not Use the Platform
                                    for
                                    any purpose that is illegal,
                                    unlawful or
                                    prohibited by these Terms of Use:
                                    
                                        - Interfere or attempt to interfere with, or obtain or attempt to obtain
                                            unauthorised access to, the Platform or any
                                            Content through hacking, use of automated devices, scripts or bots, or other
                                            illegitimate means;
- 
                                            Scrape or otherwise obtain any data from the Platform for any purpose or use
                                            any
                                            Content to spam third parties;
                                        
- Interfere or attempt to interfere with the proper working of the Platform,
                                            or
                                            with any other person’s use of the
                                            Platform, including by transmission of viruses, malware or any code or other
                                            conduct of a disruptive or destructive
                                            nature;
- 
                                            Impersonate any person or entity, solicit money from other Users or engage
                                            in
                                            any fraudulent activities via the
                                            Platform, either directly or via third-party software;
                                        
- 
                                            Contribute or distribute any User Content via the Platform that infringes
                                            legislation or regulations of any applicable
                                            jurisdiction (including without limitation the jurisdiction in which a User
                                            is
                                            using the Platform). Users agree that any
                                            legal consequences arising from a claim or action for infringement of any
                                            such
                                            legislation or regulation are their sole
                                            responsibility and they are wholly liable.
                                        
 
- 11.3 
                                    Users warrant that their User Content does not contain any:
                                    
                                        - Obscene, blasphemous, hateful, violent, bullying, discriminatory or
                                            threatening
                                            language, or content that creates a
                                            risk of personal injury or property damage or makes any threat to people or
                                            public safety;
- 
                                            Illegal, false, fraudulent, misleading or deceptive conduct, including but
                                            not
                                            limited to blackmail, extortion,
                                            financial or personal scams and attempts to impersonate others;
                                        
- 
                                            Content that infringes the personal or proprietary rights of others,
                                            including
                                            but not limited to intellectual
                                            property rights and rights to privacy; or
                                        
- 
                                            Spam, publicity or promotion of commercial activities or commercial content
                                            not
                                            specifically authorised by us with our
                                            prior written consent.
                                        
 
- 
                                        11.4
                                     Users must comply, and are solely responsible for complying, with all laws
                                    and
                                    regulations applicable or
                                    relevant
                                    to the use of the Platform (“Laws”). Users must also comply with all applicable or
                                    relevant regulations, industry
                                    and
                                    professional codes of conduct and other relevant laws when using the Platform
                                    (“Industry
                                    Regulations”), including
                                    any
                                    applicable Industry Regulations for Financial Services Businesses and related
                                    industries. iFactFind does not
                                    guarantee
                                    to any User that their proposed or actual use of the Platform complies with Laws and
                                    Industry Regulations that may
                                    apply
                                    to that User’s activities.
- 11.5  Users are solely responsible for their conduct in the course of
                                    using
                                    the Platform. Users will
                                    not infringe the
                                    rights of any other person or act in a way that constitutes a breach of any
                                    agreement
                                    they may have with any person
                                    by
                                    contributing User Content to the Platform.
- 11.6  Users are solely responsible for uploading and distribution of
                                    all
                                    User Content. iFactFind takes
                                    no responsibility
                                    whatsoever for any User Content as set out in clause 14.2.
- 11.7  Users warrant to iFactFind that they have the full capacity to
                                    agree
                                    to be legally bound by these
                                    Terms of Use and
                                    to provide the warranties regarding User Content set out in this clause 11 and
                                    elsewhere
                                    in these Terms of Use.
 
- 
                            Security
                                - 12.1  iFactFind stores all Content on the Platform on servers located
                                    in
                                    Australia with a high level of
                                    security access.
                                    iFactFind also periodically creates back-up copies of all Content to be stored in an
                                    alternative location in
                                    Australia
                                    to the Platform’s main servers. It is the responsibility of Users to determine
                                    whether
                                    the storage methods for
                                    Content
                                    used by iFactFind comply with all applicable Laws and Industry Regulations. For
                                    further
                                    information about how
                                    iFactFind
                                    stores all Content on the Platform, please contact iFactFind via team@ifactfind.com.au.
- 12.2  iFactFind will endeavour to notify Users in writing if there is
                                    any
                                    change to the way in which
                                    Content is hosted,
                                    backed-up, stored, secured or encrypted.
- 12.3  iFactFind will notify Users of any breach relating to the
                                    security of
                                    their User Content hosted
                                    on the Platform,
                                    the extent of the breach, and the actions being taken by iFactFind to resolve the
                                    breach
                                    and mitigate any future
                                    security breach. While iFactFind will use reasonable endeavours to ensure the
                                    security
                                    of User Content, to the
                                    extent
                                    permitted by law, iFactFind will not be responsible in any way for a breach in
                                    security
                                    of User Content.
- 12.4  Notwithstanding clauses 12.1 – 12.3, the provision of access to,
                                    and
                                    use of, the Platform by
                                    Users is on an “as is”
                                    basis and entirely at their own risk. iFactFind is not responsible in any way to
                                    Users
                                    in the event that the
                                    security of
                                    Content on the Platform is compromised in any way, and iFactFind disclaims its
                                    liability
                                    in this regard as per
                                    clause
                                    14.
 
- 
                            Intellectual Property
                                - 13.1 
                                    The Intellectual Property subsisting in any aspect of the Platform including without
                                    limitation text, graphics,
                                    artwork, logos, software, trade marks, designs, copyright, compilations, algorithms,
                                    video recordings and audio
                                    recordings, as well as the structure, layout, user interface and “look and feel” of
                                    the
                                    Platform, Output Data, but
                                    excluding User Content (“Platform IP”), is exclusively owned and controlled by
                                    iFactFind
                                    and/or its third party
                                    affiliates, licensors and/or licensees, and is protected by Australian and
                                    international
                                    law governing intellectual
                                    property rights. The Platform IP remains iFactFind’s exclusive property throughout
                                    the
                                    world in perpetuity.
- 13.2  Users are not permitted to save, download, reproduce, display,
                                    copy,
                                    alter, conceal, adapt,
                                    perform, transmit,
                                    broadcast, sell, license or otherwise exploit any Platform IP unless it is Output
                                    Data
                                    (in which Users have the
                                    rights
                                    set out in clause 13.5) or unless they have express prior written authorisation from
                                    iFactFind. Any unauthorised use
                                    of
                                    Platform IP by Users is strictly prohibited.
- 
                                        13.3
                                     Subject to the rights granted to iFactFind under clause13.4, Users will
                                    retain
                                    exclusive ownership and
                                    control
                                    of any Intellectual Property subsisting in any User Content which they share via, or
                                    submit or upload to, the
                                    Platform.
- 13.4  Notwithstanding clause 13.3, Users hereby grant to iFactFind a
                                    perpetual, non-exclusive, fully
                                    paid,
                                    royalty-free, transferable, sub-licensable, non-revocable, worldwide licence to
                                    reproduce, exploit or otherwise use,
                                    reproduce, process, adapt, modify, publish, transmit, exploit, display and
                                    distribute
                                    any User Content which they
                                    share
                                    via, or submit or upload to, the Platform in any and all media at iFactFind’s sole
                                    discretion. Notwithstanding the
                                    foregoing, iFactFind confirms that it will handle all User Content containing
                                    Personal
                                    Information in accordance
                                    with
                                    the Privacy Policy.
                                    copy,
- 13.5  iFactFind hereby grants to Users (with the requisite Permissions
                                    to
                                    access any Output Data
                                    generated by the
                                    Platform) a non-exclusive, fully paid, royalty-free, revocable, sub-licensable,
                                    worldwide licence to reproduce,
                                    exploit
                                    or otherwise use, copy, reproduce, process, adapt, modify, publish, transmit,
                                    exploit,
                                    display and distribute any
                                    accessible Output Data (a “Licence”). iFactFind grants the Licence to Users on the
                                    condition that Users will comply
                                    in
                                    full with all relevant and applicable terms of these Terms of Use, including without
                                    limitation clause 11.4, clause
                                    13.1, clause 14.1 and clause 15.1.
 
- 
                            Disclaimers & Limitation of Liability
                                - 14.1  Except for liability in relation to breach of any implied
                                    condition,
                                    warranty or guarantee,
                                    including under the
                                    Competition and Consumer Act 2010 (Cth) or the exclusion of which from a contract
                                    would
                                    contravene any statute or
                                    cause
                                    any part of these Terms of Use to be void (“Non Excludable Conditions”), to the
                                    extent
                                    permitted by law, iFactFind,
                                    its
                                    officers, directors, shareholders, successors in interest, employees, agents,
                                    subsidiaries and affiliates disclaim
                                    all
                                    liability for all loss or damage (actual, special, direct, indirect and
                                    consequential)
                                    or every kind relating to a
                                    User’s use of the Platform, regardless of whether liability is based on any breach
                                    of
                                    contract, tort (including
                                    negligence) or warranty, arises under statute, or any other basis of liability, as
                                    well
                                    as all warranties,
                                    guarantees,
                                    representations or specific promises as to the functionality, reliability or
                                    availability of the Platform, including
                                    warranty of fitness for purpose. iFactFind takes no responsibility for any error,
                                    interruption or defect resulting
                                    from
                                    technical fault or otherwise, and Users acknowledge and agree that their use of the
                                    platform is on an “as-is” basis
                                    to
                                    the extent permitted by law. To the extent permitted by law, iFactFind’s liability
                                    for
                                    breach of any Non-Excludable
                                    Condition is restricted, at iFactFind’s option, to the re-supply or paying for the
                                    cost
                                    of re-supplying access to
                                    the
                                    Platform.
- 14.2 iFactFind is not responsible for User Content or other material
                                    that
                                    is created, or otherwise
                                    appears via the
                                    Platform. iFactFind does not endorse, support, represent or guarantee the accuracy,
                                    completeness or reliability of
                                    User
                                    Content appearing on the Platform and takes no responsibility for User Content
                                    submitted
                                    via the Platform, but
                                    maintains
                                    the right (without providing any notice to the User Account that uploaded the User
                                    Content or any other User
                                    Account) to
                                    remove, block, edit or monitor any User Content at iFactFind’s sole discretion,
                                    whether
                                    publicly viewable or
                                    otherwise.
- 14.3  The Platform may from time-to-time integrate with or host
                                    hyperlinks
                                    to third-party web services
                                    or host
                                    third-party information or content on the Platform. All third-party content is the
                                    responsibility of its author, and
                                    iFactFind does not endorse or represent the views or opinions contained therein.
                                    iFactFind is not responsible for
                                    any
                                    material contained on third-party web services, including without limitation as a
                                    result
                                    of Users accessing the
                                    Plugin
                                    Software, and any dealings between Users and third parties are Users’ sole
                                    responsibility.
- 14.4  Subject to the application of any Non Excludable Conditions,
                                    Users
                                    hereby release iFactFind from
                                    all claims and
                                    iFactFind is not responsible nor liable for any injury, illness, direct or indirect
                                    damage, loss (financial,
                                    reputational or otherwise) or consequential, exemplary or aggravated damages arising
                                    from any of the following
                                    matters
                                    (“Platform Matters”):
                                    
                                        - The use of, or inability to use, the Platform by Users;
- The use of, or inability to use, the Platform by Users;
- Any failure by iFactFind or other third parties to provide any information,
                                            service, feature or functionality via
                                            the
                                            Platform;
- Any unauthorised submission of information to the Platform;
- Statements or conduct of any third party using the Platform;
- Use of third-party services or Plugin Software in conjunction with the
                                            Platform
                                            by Users;
- Any communication or interaction between Users via the Platform, whether
                                            online
                                            or offline;
- Any User Content that is created, or otherwise appears, via the Platform;
                                            and
                                        
- Where a User fails to comply with any Law, Industry Regulation or the
                                            Privacy
                                            Act when dealing with Personal
                                            Information in connection with the Platform.
 
- 14.5  Users hereby acknowledge and confirm that they are on notice of
                                    iFactFind’s disclaimer of
                                    warranties and limitation
                                    of liability set forth in this clause 14 or elsewhere in these Terms of Use
                                    (“Disclaimers & Limitations”) and
                                    expressly
                                    agree to these Disclaimers and Limitations as a condition of using the Platform.
                                
- 14.6  In the event any part of the Disclaimers & Limitations is not
                                    enforceable for any reason, then
                                    iFactFind’s maximum
                                    aggregate liability arising from or relating to any claim (or series of related
                                    claims)
                                    by a User, howsoever arising
                                    (whether based in negligence or any other tort, contract, statutory liability or
                                    otherwise, and including from or
                                    relating to the provision by iFactFind of the Platform or any associated services,
                                    or
                                    the conduct of any Users)
                                    shall
                                    not exceed the price paid for Fees by that User to iFactFind to use the Platform in
                                    the
                                    past 12 months.
 
- 
                            Indemnities
                                - 15.1  As a further condition of using the Platform, Users must
                                    indemnify
                                    iFactFind against all direct,
                                    quantifiable and
                                    reasonable loss and/or damage suffered by iFactFind (whether based in negligence or
                                    any
                                    other tort, contract,
                                    statutory
                                    liability or otherwise) as a direct result of Users breaching a term of these Terms
                                    of
                                    Use.
 
- 
                            Termination & Retention of Data
                                - 16.1  Organisations are permitted to terminate these Terms of Use and
                                    request their Organisation
                                    Account, and the User
                                    Accounts of any Invited Users, to be deleted from the Platform at any time following
                                    the
                                    Minimum Subscription
                                    Period,
                                    provided that the Organisation has provided iFactFind with 90 days written notice
                                    (“Voluntary Notice Period”). We
                                    may
                                    otherwise agree that an Organisation Account is deleted sooner by mutual agreement
                                    with
                                    the relevant Organisation.
                                
- 16.2 If an Organisation wishes to terminate these Terms of Use prior to
                                    the
                                    expiration of the Minimum
                                    Subscription
                                    Period, they are permitted to do so by providing the Voluntary Notice Period,
                                    however
                                    all Fees applicable to the use
                                    and
                                    access of the Platform during the Minimum Subscription Period will remain payable to
                                    iFactFind unless otherwise
                                    agreed.
- 16.3  These Terms of Use and an Organisation Account will be terminated
                                    on
                                    the date where either of the
                                    following occurs
                                    (“Termination Date”):
                                    
                                        - The expiration of the Voluntary Notice Period after the Minimum Subscription
                                            Period has passed;
- The expiration of the Voluntary Notice Period prior to the Minimum
                                            Subscription
                                            Period passing, subject to all Fees
                                            applicable to the use and access of the Platform during the Minimum
                                            Subscription
                                            Period having been paid by the
                                            relevant
                                            Organisation; or
- The date for termination otherwise agreed by iFactFind and the relevant
                                            Organisation.
 
- 16.4  In the event that an Organisation Account is terminated:
                                    
                                        - The Organisation is responsible for extracting all required data from the
                                            Platform prior to the Termination Date;
- iFactFind will, upon payment of a specified administrative fee, export and
                                            provide the Administrator of the
                                            Organisation with a copy of all User Content connected with their
                                            Organisation
                                            Account; and
- 
                                            Subject to clause 16.5, iFactFind will, within 90 days of the Termination
                                            Date,
                                            delete all User Content connected with
                                            the relevant Organisation Account from IFactFind’s servers and provide
                                            confirmation of destruction to the owner
                                            Organisation.
                                        
 
- 16.5  iFactFind is unable to delete encrypted back-ups of User Content
                                    from
                                    a specific Organisation Account (if such
                                    back-ups exist) which is commingled with the User Content of other Organisation
                                    Accounts. If there are encrypted
                                    back-ups for an Organisation Account which are to be deleted, iFactFind will
                                    continue
                                    its usual procedure for creating
                                    encrypted back-ups such that the User Content for the specific Organisation Account
                                    in
                                    any existing encrypted back-ups
                                    is superseded and/or deleted, and iFactFind will also undertake not to extract User
                                    Content from any encrypted back-ups.
- 16.6  iFactFind may immediately terminate these Terms of Use and delete
                                    an
                                    Organisation Account and the User Accounts of
                                    any Invited Users where the relevant Organisation becomes Insolvent.
- 16.7  iFactFind may terminate a User’s access to the Platform provided
                                    to
                                    them at any time, at iFactFind’s sole
                                    discretion, without notice to that User, if iFactFind has reasonable grounds to
                                    believe
                                    that that User has failed to
                                    comply with these Terms of Use.
- 16.8  Invited Users may terminate these Terms of Use by ceasing to use
                                    the
                                    Platform and requesting their User Account to
                                    be deleted in writing to the Administrator of their linked Organisation Account, or
                                    to
                                    iFactFind. Upon ceasing use of
                                    the Platform and deletion of the relevant User Accounts, Invited Users agree that
                                    they
                                    will cease to have access to all
                                    User Content uploaded by them to the Platform and that iFactFind shall be under no
                                    obligation to store their User
                                    Content and to provide them with future access to such User Content.
- 16.9  Notwithstanding clauses 16.1 – 16.8, any Personal Information (as
                                    defined in the Privacy Policy) or non-personal
                                    statistical information collected under these Terms of Use and the Privacy Policy
                                    may
                                    continue to be stored, used or
                                    disclosed within the scope of the purposes described in the Privacy Policy.
 
- 
                            Jurisdiction & Choice of Law
                                - 17.1  These Terms of Use are governed by and construed in accordance
                                    with
                                    the laws of the State of Victoria, Australia
                                    without giving effect to any conflict of laws principle applicable in other
                                    jurisdictions. Any claim, cause of action or
                                    dispute arising out of these Terms of Use or relating to the use of the Platform
                                    will be
                                    resolved exclusively in the
                                    Supreme Court of Victoria, Australia, or applicable lower court, and Users agree to
                                    submit to the personal jurisdiction
                                    of such courts for the purpose of litigating such claims.
 
- 
                            Miscellaneous
                                - 18.1 If iFactFind is involved in a sale, merger or other restructuring,
                                    it
                                    may need to assign its position under these
                                    Terms of Use to a third party, which it will have the right to do so at its sole
                                    discretion. iFactFind will also have
                                    the right to assign its position under these Terms of Use in other circumstances
                                    with
                                    the written consent of Users.
                                    Users may assign their position under these Terms of Use to a third party with
                                    iFactFind’s prior written consent.
- 18.2  The rights and obligations under these Terms of Use, which by
                                    their
                                    nature would reasonably continue beyond the
                                    expiration of termination of this Agreement, will survive the expiration of
                                    termination
                                    of these Terms of Use. Without
                                    limiting the generality of the foregoing, clauses 7, 9, 11, 13, 14, 15 and 17 will
                                    survive the termination of these
                                    Terms of Use.
- 18.3  In the event that any one or more of the provisions contained
                                    herein
                                    shall, for any reason, be held to be invalid,
                                    illegal or unenforceable, such invalidity, illegality or unenforceability shall not
                                    affect any other provisions of these
                                    Terms of Use and these Terms of Use shall be construed as if such provisions had
                                    never
                                    been contained herein.
- 18.4  The fact that a party fails to do, or delays in doing, something
                                    the
                                    party is entitled or obligated to do under
                                    these Terms of Use, does not amount to a waiver of any obligation of, or breach of
                                    obligation by, any other party.
- 18.5  Users agree that no agency, joint venture, employee-employer,
                                    partnership or other similar relationship is created
                                    between them and iFactFind by virtue of these Terms of Use.
 
Further information
                    If you have any questions in relation to SaaS Agreement, you can contact us in the following
                        ways:
                    
                    
                        
                            | Email: | security@ifactfind.com.au | 
                        
                            | Phone: | 1300 0 PULSS (+61-1300 0 78577) | 
                        
                            | Postal Address: | PO Box 560, Carlton North, Victoria Australia 3054 |