The agreement governing your use of the TrancheMate compliance platform
Last updated: 10 June 2026 · Effective: 10 June 2026
These Terms of Service are issued by TrancheMate (ABN 74 421 798 989) ("TrancheMate", "we", "us", "our"). By registering for or using the TrancheMate platform you agree to be bound by these terms. If you are registering on behalf of a firm or company, you represent that you have authority to bind that entity to these terms.
By accessing or using the TrancheMate platform at tranchemate.com.au (the "Platform"), you agree to be bound by these Terms of Service and our Privacy Policy, which is incorporated into these terms by reference.
If you do not agree to these terms, you must not use the Platform.
These terms constitute a legally binding agreement between you (and, where applicable, the firm or company you represent — the "Firm") and TrancheMate under the laws of New South Wales, Australia.
TrancheMate is a self-serve B2B software-as-a-service (SaaS) platform designed to help small Australian accounting firms, law firms, and real estate agencies meet their obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act), as amended by the AUSTRAC Tranche 2 reforms effective 1 July 2026.
The Platform provides five compliance modules:
To use the Platform, you must:
The Platform is intended for Australian professional services firms subject to AUSTRAC obligations. We reserve the right to decline or suspend accounts at our discretion.
You are responsible for maintaining the confidentiality of your account credentials. You must:
You are responsible for all activity that occurs under your account, whether authorised or not. TrancheMate will not be liable for any loss arising from unauthorised account access where you failed to protect your credentials.
The Platform supports multiple user roles within a Firm (principal, staff, and read-only). The Firm principal is responsible for ensuring all users within the Firm's account comply with these terms. User seat limits apply per subscription tier as set out in section 4.
TrancheMate is offered on three subscription tiers billed in Australian Dollars (AUD), inclusive of GST:
Full feature details and limits are set out on the pricing page at tranchemate.com.au/#pricing. We reserve the right to update tier features and limits with 30 days' notice.
Subscriptions are billed monthly in advance. Payment is processed by Stripe Inc. (a PCI DSS Level 1 certified payment processor). By subscribing, you authorise us to charge the payment method on file on each renewal date.
Subscription fees are non-refundable except as provided in section 4.3 below. If a payment fails, we will attempt to notify you and may suspend access to the Platform after a grace period of 7 days.
All prices include GST. TrancheMate is registered for GST in Australia. A tax invoice is provided with each payment.
If you are not satisfied with the Platform, you may request a full refund within 30 days of your first payment by contacting [email protected]. We will process the refund to your original payment method within 5 business days, no questions asked.
The money-back guarantee applies once per Firm and covers the first monthly subscription payment only. It does not apply to renewals or to accounts found to have abused the Platform.
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period; you will retain access until that date.
Upon cancellation, we will retain your compliance data for 30 days to allow you to export it. After 30 days, your data will be deleted in accordance with our Privacy Policy (section 8). You are responsible for exporting all records you need before the 30-day window closes.
You may upgrade your subscription tier at any time; the new tier takes effect immediately and a pro-rated charge applies for the remainder of the current billing period. Downgrades take effect at the start of the next billing period.
You may use the Platform solely for your Firm's internal AML/CTF compliance purposes — building and maintaining your AML/CTF program, collecting client due diligence, logging SMR/TTR records, and generating audit documentation.
You must not:
Breach of any prohibition in this section may result in immediate account suspension or termination without refund.
All compliance records, CDD data, AML/CTF program content, and other data you or your Firm's clients submit to the Platform ("Firm Data") remain your property. TrancheMate does not claim ownership of Firm Data.
In relation to personal information your Firm collects from its own clients via the CDD intake tools, TrancheMate acts as a data processor on your behalf. You (the Firm) are the data controller responsible for:
TrancheMate will process client personal information only in accordance with your instructions and as necessary to provide the Platform services, in accordance with our Privacy Policy.
All Firm Data is stored exclusively on infrastructure located in Sydney, Australia (Akamai ap-southeast-2). No Firm Data is transferred to or stored in overseas systems. See our Privacy Policy (section 6) for full details.
CDD records, SMR records, and TTR records are immutable once created — they cannot be edited or deleted through the Platform interface. This immutability is an intentional feature required for audit integrity under the AML/CTF Act. By submitting records through the Platform, you accept and agree to this behaviour. You are responsible for ensuring the accuracy of information before submission.
You grant TrancheMate a limited, non-exclusive licence to process, store, and use Firm Data solely to provide the Platform services to you, to maintain and improve the Platform (using aggregated, de-identified data only), and to comply with legal obligations.
TrancheMate is a software tool, not a law firm, compliance consultancy, or registered tax agent. Nothing in the Platform — including documents generated by the AML/CTF Program Builder, risk scores assigned by the CDD module, or any other output — constitutes legal advice, compliance advice, or a guarantee that your Firm will satisfy its AUSTRAC obligations or avoid regulatory action.
The AML/CTF program documents generated by the Platform are templates informed by publicly available AUSTRAC guidance. They are a starting point, not a certified compliance solution. Your Firm remains solely responsible for:
TrancheMate does not file reports with AUSTRAC on your behalf and does not act as an intermediary between your Firm and AUSTRAC. The Platform facilitates your internal compliance record-keeping only.
The Platform — including its software, design, templates, workflows, and documentation — is owned by TrancheMate and protected by Australian and international intellectual property laws. These terms do not transfer any intellectual property rights to you.
Subject to payment of the applicable subscription fee and compliance with these terms, TrancheMate grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your Firm's internal compliance purposes during the subscription period.
If you provide us with feedback, suggestions, or ideas about the Platform, you grant TrancheMate an irrevocable, perpetual, royalty-free licence to use that feedback in any way without obligation to you.
AML/CTF program documents and compliance records generated through the Platform using your Firm's data are owned by you. TrancheMate does not claim rights in the output documents produced from your Firm's specific inputs.
We aim to provide the Platform with high availability but do not guarantee uninterrupted access. The Platform may be temporarily unavailable due to scheduled maintenance, infrastructure issues, or circumstances beyond our control.
We will endeavour to provide advance notice of scheduled maintenance via the Platform dashboard or email where reasonably practicable.
TrancheMate does not warrant that:
Given the compliance-critical nature of the Platform, you should maintain independent backup copies of all material compliance records and not rely solely on the Platform as your only record-keeping system.
To the maximum extent permitted by law, TrancheMate will not be liable to you for any indirect, incidental, special, consequential, or punitive loss, including loss of profits, loss of business, loss of data, regulatory fines or penalties imposed by AUSTRAC or any other authority, or loss arising from your failure to meet AML/CTF obligations.
To the maximum extent permitted by law, TrancheMate's total aggregate liability to you for all claims arising under or in connection with these terms or the Platform will not exceed the total fees you have paid to TrancheMate in the three months immediately preceding the event giving rise to the claim.
Nothing in these terms excludes, restricts, or modifies any right or remedy you may have under the Competition and Consumer Act 2010 (Cth) (including the Australian Consumer Law) or any other non-excludable statutory guarantee. To the extent that any implied warranty or guarantee cannot be excluded, TrancheMate's liability for a breach of that warranty is limited, at our option, to re-supplying the relevant service or paying the cost of having the service re-supplied.
TrancheMate is a software tool. You are solely responsible for your Firm's compliance with the AML/CTF Act and all other applicable laws. TrancheMate will not be liable for any AUSTRAC enforcement action, penalty, or finding against your Firm, regardless of whether your Firm used the Platform.
You agree to indemnify, defend, and hold harmless TrancheMate, its directors, officers, employees, and contractors from and against any claims, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from:
You may cancel your subscription at any time as described in section 4.4. Cancellation does not entitle you to a refund of prepaid subscription fees except as provided under the 30-day money-back guarantee (section 4.3).
We may suspend or terminate your account immediately if:
In the event of termination for breach, no refund will be provided.
Upon termination or expiry of your subscription, your access to the Platform will cease. Sections 6 (your data), 7 (not legal advice), 8 (intellectual property), 10 (limitation of liability), 11 (indemnification), and 14 (governing law) survive termination.
By registering for the Platform, you consent to receive transactional communications necessary to operate your account and deliver the service. These include:
Transactional communications are part of the service and cannot be opted out of while your account is active.
Any marketing or promotional email we send complies with the Spam Act 2003 (Cth). We will only send marketing communications if you have provided express or inferred consent. Every marketing email includes:
We will action unsubscribe requests within 5 business days as required by the Spam Act. We do not purchase email lists or send cold commercial email. To unsubscribe from marketing communications, use the unsubscribe link in any marketing email or contact [email protected].
These terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales for the resolution of any dispute arising from these terms or your use of the Platform.
Before commencing any legal proceedings, you agree to contact us at [email protected] to attempt to resolve the dispute in good faith. We will respond within 10 business days. If the dispute cannot be resolved within 30 days of first notification, either party may pursue their legal rights.
To the extent permitted by law, you agree to bring any claim against TrancheMate individually and not as part of any class, collective, or representative action.
We may update these Terms of Service from time to time to reflect changes in our practices, pricing, legal requirements, or regulatory guidance.
When we make material changes, we will:
Your continued use of the Platform after the effective date of revised terms constitutes acceptance. If you do not agree to the updated terms, you must stop using the Platform and cancel your subscription before the effective date.
Changes required by law may take effect immediately without advance notice.
For any questions about these terms, or to notify us of a dispute or breach, please contact:
TrancheMate
ABN 74 421 798 989
Email: [email protected]
These terms are governed by the laws of New South Wales, Australia. TrancheMate is a registered business name.