Terms & Conditions

Our terms and conditions were last updated July 1, 2026.

Welcome to MYOFP!

Thank you for visiting our terms and conditions (Terms), the most updated copy of which can always be found at ethicarefs.com (Website).

We are Ethicare Financial Services Pty Ltd (ABN 40 635 130 228) (‘we’, ‘our’ or ‘us’) and we provide various tools to assist individuals known as MYOFP (Make Your Own Financial Plan), being a D.I.Y Solution described on our Website (Software).

These Terms govern your access to the Software and our provision of goods and services, whether on a Free Trial (Free Trial) or on a subscription payment basis (Subscription). Your Subscription is for the pricing package selected by you and agreed between us by means of the Website (Subscription Package).

By accepting a free trial or paying for your Subscription or otherwise accepting the benefit of any part of your Subscription, you agree to be bound by these Terms which form a binding contractual agreement between you the person acquiring a Subscription, or the company you represent and are acquiring the Subscription on behalf of (‘you’ or ‘your’), and us. You have the right to 30 days money back guaranteed if you are not satisfied or change of mind.

Please note that your Subscription will continue to renew indefinitely, and you will continue to incur Subscription Fees, unless you notify us that you want to cancel your Subscription. Please ensure you contact us via writing an email to hello@ethicarefs.com if you want to cancel your Subscription.

We may change these Terms at any time by notifying you, and your continued use of the MYOFP following such an update will represent an agreement by you to be bound by the Terms as amended.

In these Terms, capitalised words and phrases have the meanings given to them where they are followed by bolded brackets, or as set out in the Definitions table at the end of these Terms.

Please read these terms and conditions carefully before proceeding with your Subscription.

1. MYOFP Status

The Website is designed for use by individuals for personal use.

MYOFP / Ethicare Financial Services Pty Ltd does not have an Australian financial services (AFS) licence or an Australian credit licence (ACL). We are not authorised to:

  • conduct a financial services business or to provide advice regarding financial products;
  • engage in credit activities including providing, or acting as an intermediary in connection with, credit contracts, consumer leases, mortgages or guarantees; or
  • provide credit services and/or financial advisory services.

If you require advice regarding any financial product, you must obtain advice from a person who has an AFS licence to conduct a financial services business.

If you are a consumer and wish to enter into an agreement such as a credit contract, consumer lease, mortgage or guarantee, you must engage with a person who holds an Australian credit licence.

Users must independently verify information generated by the platform before acting upon it.

2. Eligibility

By accepting these Terms, you represent and warrant that:

  • you have the legal capacity and authority to enter into a binding contract with us; and
  • you are authorised to use the payment method you provided when purchasing a Subscription.

The Software is not intended for unsupervised use by any person under the age of 18 years old or any person who has previously been suspended or prohibited from using the Software. By using the Software, you represent and warrant that you are either:

  • over the age of 18 years and accessing the Software for personal use; or
  • accessing the Software on behalf of someone under the age of 18 years old and consent to that person's use of the Software.

Please do not access the Software if you are under the age of 18 years old and do not have your parent or guardian's consent, if you are under 16 or if you have previously been suspended or prohibited from using the Software.

3. Term

Your Subscription and these Terms commence on the date you agree to be bound by these Terms (as set out at the beginning of these Terms) and continues for the Subscription Period and any Renewal Periods applicable, unless cancelled by written communication.

At least 5 business days prior to the expiry of the Renewal Date, we will provide you with advance written notice of the agreement renewing and any applicable changes to the Subscription Fees or these Terms (Renewal Notice).

4. The MYOFP

4.1 Your Subscription and MYOFP (the D.I.Y Solution)

We will provide you, to the extent described in your Subscription Package, the Software and the Documentation (D.I.Y Solution).

(Scope of Subscription) Your Subscription includes the benefits and limitations of your Subscription Package as set out on our website, or as otherwise communicated to you when you subscribe for your Subscription (and as amended from time to time by notice to you).

4.2 Accounts

(Accounts) To use the MYOFP, you may be required to sign-up, register and receive an account through the Website (an Account).

(Provide Information) As part of the Account registration process and as part of your continued use of the Website, you may be required to provide personal information and details, such as your email address, first and last name, a secure password, billing, postal and physical addresses, mobile phone number, profile information, payment details, ratings and reviews, verified identifications, verified certifications and authentication, and other information as determined by us from time to time. We may need to provide this to third party platforms to process payments as part of your subscription.

(Warranty) You warrant that any information you give to us in the course of completing the Account registration process is accurate, honest, correct and up-to-date.

(Acceptance) Once you complete the Account registration process, we may, in our absolute discretion, choose to accept you as a registered user within the Website and provide you with an Account.

(Cancellation) We may, in our absolute discretion, suspend or cancel your Account for any reason, including for any failure by you to comply with these Terms.

4.3 Disclaimer

You acknowledge and agree that:

  • any information provided to you as part of or in connection with the MYOFP or the Services is general in nature, may not be suitable for your circumstances and does not constitute financial, legal or any other kind of professional advice; and
  • it is your responsibility to comply with applicable Laws relevant to your business, including industrial relations Laws and privacy Laws.

4.4 Software

While your Subscription is maintained, we grant to you a non-exclusive, non-transferable licence to use the Software and Documentation for the Number of MYOFP Users.

We may from time to time, in our absolute discretion, release enhancements to the Software, meaning an upgraded, improved, modified or new versions of the Software (Enhancements). Any Enhancements to the Software will not limit or otherwise affect these Terms. Enhancements may cause downtime or delays from time to time, and credits will not be provided for such downtime.

We may change any features of the MYOFP at any time on notice to you.

From time to time, you may elect to enable additional features, plans or integrations.

4.5 Support Services

We will provide general support where reasonably necessary to resolve technical issues with the Software (Support Services), the following terms apply unless otherwise specifically agreed in writing:

  • we will take reasonable steps to provide Support Services where necessary.
  • requests for Support Services will be responded to on a best endeavours basis.
  • our target support response times are 24 hours, we will provide advance notice for maintenance windows
  • our uptime target is 99.5%
  • you will not have any claim for delay to your access to the Software due to any failure or delay in Support Services.

5. Data Hosting

We will store User Data you upload to the Software using a third party hosting service selected by us (Hosting Services), subject to the following terms:

  • (hosting location) You acknowledge and agree that we may use storage servers to host the Software through cloud-based services, and potentially other locations outside Australia.
  • (service quality & security) We maintain reasonable administrative, technical and organisational safeguards to protect User Data.
  • (backups & disaster) In the event that User Data is lost due to a system failure (e.g., a database or webserver crash), we cannot guarantee that any backup will be available, or if available that such a backup will be free from errors or defects.

6. Client Obligations

You agree to:

  • provide us with all documentation, information and assistance reasonably required by us to perform the Services; and
  • provide us with access to any third party or other accounts used by you (including log-in details and passwords), as is reasonably required by us to perform the Services.

6.2 Client Material

You warrant that all information, documentation and other Material you provide to us for the purpose of receiving the MYOFP is complete, accurate and up-to-date.

You release us from all liability in relation to any loss or damage arising out of or in connection with the MYOFP (D.I.Y Solution), to the extent such loss or damage is caused or contributed to by information, documentation or any other Material provided by you being incomplete, inaccurate or out-of-date.

6.3 Your Obligations

You must, and must ensure that all Users, comply with these Terms at all times. You acknowledge and agree that we will have no liability in respect of any damage, loss or expense which arises in connection with your, your Personnel's, or any User's, breach of these Terms, and you indemnify us in respect of any such damage, loss or expense.

You must not, and must not encourage or permit any User, Personnel or any third party to, without our prior written approval:

  • upload sensitive information or commercial secrets using the Software;
  • upload any inappropriate, offensive, illicit, or illegal material using the Software;
  • use the Software for any purpose other than for the purpose for which it was designed, including you must not use the MYOFP in a manner that is illegal or fraudulent activity (including requesting or accepting a job) which includes illegal activities or purposes;
  • upload any material that is owned or copyrighted by a third party;
  • make copies of the Documentation or the Software;
  • adapt, modify or tamper in any way with the Software;
  • remove or alter any copyright, trade mark or other notice on or forming part of the Software or Documentation;
  • act in any way that may harm our reputation or that of associated or interested parties or do anything at all contrary to the interests of us or the Software;
  • use the Software in a way which infringes the Intellectual Property Rights of any third party;
  • create derivative works from or translate the Software or Documentation;
  • publish or otherwise communicate the Software or Documentation to the public, including by making it available online or sharing it with third parties;
  • integrate the Software with third party data or Software, or make additions or changes to the Software, (including by incorporating APIs into the Software) other than integrating in accordance with any Documentation or instructions provided by us in writing;
  • decompile or reverse engineer the Software or any part of it, or otherwise attempt to derive its source code;
  • share your Account or Account information, including log in details or passwords, with any other person and that any use of your Account by any person who is not the account holder is strictly prohibited. You must immediately notify us of any unauthorised use of your Account, password or email, or any other breach or potential breach of the MYOFP's security;
  • use the MYOFP for any purpose other than for the purpose for which it was designed, including you must not use the MYOFP in a manner that is illegal or fraudulent activity (including requesting or accepting a job) which includes illegal activities or purposes;
  • make any automated use of the MYOFP and you must not copy, reproduce, translate, adapt, vary or modify the MYOFP without our express written consent;
  • attempt to circumvent any technological protection mechanism or other security feature of the Software; or permit any use in excess of authorised users

We may suspend access immediately where we reasonably believe there has been unauthorised access, fraud, cybersecurity risk, or misuse of the platform.

If you become aware of misuse of your Subscription by any person, any errors in the material on your Subscription or any difficulty in accessing or using your Subscription, please contact us immediately using the contact details or form provided on our Website.

You agree, and you must ensure that all Users agree:

  • to comply with each of your obligations in these Terms;
  • to sign up for an Account in order to use the MYOFP;
  • that information given to you through the Software, by us or another User, is general in nature and we take no responsibility for anything caused by any actions you take in reliance on that information; and
  • that we may cancel your, or any User's, Account at any time if we consider, in our absolute discretion, that you or they are in breach of, or are likely to breach, this clause 6.

7. Fees and Payment

7.1 Subscription Fees

You must pay subscription fees to us in the amounts specified on the Website for your Subscription Package, or as otherwise agreed in writing (Subscription Fees).

Subscription Fees are non-refundable except during the first 30 days after the initial Subscription purchase, during which a customer may request a full refund under our 30-Day Money Back Guarantee.

Unless otherwise agreed in writing, the Subscription Fees are due and payable on a recurring basis for the duration of your Subscription, with the first payment being due on the first day of the Subscription Period (or immediately after the expiry of any applicable Free Trial Period) and at the beginning of every Renewal Period thereafter.

7.2 Automatic Recurring Billing

As set out in clause 2, your Subscription will continue to renew on an automatic indefinite basis unless you notify us that you wish to cancel. Whilst your Subscription is maintained, your Subscription Fees will continue to be debited at the beginning of each Renewal Period from the payment method you nominated when you registered for an Account.

We will not be required to pay any charge back amount if you fail to cancel your Subscription in accordance with these Terms.

By signing up for a recurring Subscription, you acknowledge and agree that your Subscription has an initial and recurring payment feature, and you accept responsibility for all recurring charges prior to your cancellation of your Subscription.

We may submit periodic charges for the Subscription Fees without further authorisation from you, until you provide prior written notice that you have terminated this authorisation or wish to change your payment method (and receipt of this is confirmed by us). Such notice will not affect charges submitted before we could reasonably act on such notice. To terminate your authorisation or change your payment method, please contact us via writing email to hello@ethicarefs.com

7.3 Late Payments

We reserve the right to suspend all or part of the MYOFP indefinitely if you fail to pay any Subscription Fees in accordance with this clause 7.

7.4 GST

Unless otherwise indicated, the Subscription Fees do not include GST. In relation to any GST payable for a taxable supply by us, you must pay the GST subject to us providing a tax invoice.

7.5 Card Surcharges

We reserve the right to charge credit card surcharges in the event payments are made using a credit, debit or charge card (including Visa, MasterCard or American Express).

7.6 Online Payment Partner

We may use third-party online payment partner, currently Stripe (Online Payment Partner) to collect Subscription Fees.

The processing of payments by the Online Payment Partner will be, in addition to this agreement, subject to the terms, conditions and privacy policies of the Online Payment Partner.

You agree to release us and our Personnel in respect of all liability for loss, damage or injury which may be suffered by any person arising from any act or omission of the Online Payment Partner, including any issue with security or performance of the Online Payment Partner's platform or any error or mistake in processing your payment.

We reserve the right to correct, or to instruct our Online Payment Partner to correct, any errors or mistakes in collecting your payment.

8. Intellectual Property and Data

8.1 Software Content Intellectual Property

(Our ownership) We retain ownership rights, Intellectual Property Rights and any other rights in the Software, Software Content, Documentation and Generated Materials including those Generated Materials provided to you throughout the course of your Subscription in connection with the Software.

(Access to you) Throughout the course of your Subscription we grant to you a non-exclusive, non-transferable, revocable access to use the Software Content and those Generated Materials that we provide to you in connection with your use of the Software. You may make an electronic copy of all or part of any Generated Materials that we provide to you for the sole purpose of viewing them and using them for your personal use. You must not otherwise reproduce, transmit, adapt, distribute, sell, modify or publish those Generated Materials or any Software Content without prior written consent from us or as otherwise permitted by law.

8.2 User Data

Our Rights and Obligations

You grant to us (and our Personnel) a non-exclusive, royalty free, transferable, worldwide and irrevocable licence to use the User Data for the following purposes:

  • to provide the D.I.Y Solution;
  • to produce Generated Materials including to produce reports based on User Data;
  • for our internal business purposes, including to improve the MYOFP and our other products and services;
  • to apply machine learning and other analytics processes to the User Data; and
  • to gain commercial insights and other associated learnings.

User Data used for machine learning, analytics or product improvement purposes will be de-identified and aggregated wherever reasonably practicable.

We may share with, or sell to, third parties and other subscribers, User Data, commercial insights and analytics based on aggregated User Data where such data has been anonymised and does not personally identify any individual user. For clarity, no personal information of identifiable individuals will be disclosed.

We reserve the right to remove any User Data at any time, for any reason, including where we deem User Data to be inappropriate, offensive, illicit, or illegal.

9. Confidentiality

Except as contemplated by these Terms, a party must not, and must not permit any of its Personnel, use or disclose to any person any Confidential Information disclosed to it by the other party without the disclosing party's prior written consent.

Each party must promptly notify the other party if it learns of any potential, actual or suspected loss, misappropriation or unauthorised access to, or disclosure or use of Confidential Information or other compromise of the security, confidentiality, or integrity of Confidential Information.

The notifying party will investigate each potential, actual or suspected breach of confidentiality and assist the other party in connection with any related investigation.

10. Privacy

We will handle personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy. We collect personal information about you in the course of providing you with the MYOFP, to contact and communicate with you, to respond to your enquiries and for other purposes set out in our Privacy Policy which can be found at ethicarefs.com/privacy.

Our Privacy Policy contains more information about how we use, disclose and store your personal information and details how you can access and correct your personal information.

By agreeing to these Terms, you agree to our handling of personal information in accordance with our Privacy Policy.

When you accept a Free Trial to use the Software or pay for a Subscription, you agree that we may use your personal information to provide you with marketing emails and text messages.

11. Liability

11.1 Warranties and Limitations

(Warranties) We warrant that:

  • during the Subscription Period, the Software will perform substantially in accordance with any Documentation;
  • during the Subscription Period, the MYOFP will be provided as described to you in, and subject to, these Terms; and
  • to our knowledge, the use of the Software in accordance with these Terms will not infringe the Intellectual Property Rights of any third party.

(Errors) We will endeavour to correct any errors, bugs or defects in the Software which arise during your Subscription and which are notified to us by you, unless the errors, bugs or defects:

  • result from the interaction of the Software with any other MYOFP or computer hardware, software or services not approved in writing by us;
  • result from any misuse of the Software; or
  • result from the use of the Software by you other than in accordance with these Terms or the Documentation.

(Service Limitations) The MYOFP is made available to you strictly on an ‘as is’ basis. Without limitation, you acknowledge and agree that we cannot guarantee that:

  • the MYOFP will be free from errors or defects;
  • the MYOFP will be accessible at all times;
  • messages sent through the MYOFP will be delivered promptly, or delivered at all;
  • information you receive or supply through the MYOFP will be secure or confidential; or
  • any information provided through the MYOFP is accurate or true.

(Exclusion) To the maximum extent permitted by applicable law, all express or implied representations and warranties (whether relating to fitness for purpose or performance, or otherwise) not expressly stated in these Terms are excluded.

(Consumer law) Nothing in these Terms is intended to limit the operation of the Australian Consumer Law contained in the Competition and Consumer Act 2010 (Cth) (ACL). Under the ACL, you may be entitled to certain remedies (like a refund, replacement or repair) if there is a failure with the goods or services we provide.

11.2 Limitation of Liability

(Limitation of liability) To the maximum extent permitted by applicable law, our maximum aggregate liability to you in respect of loss or damage sustained by you under or in connection with these Terms or the MYOFP is limited to the total Subscription Fees paid to us by you in the 6 months preceding the first event giving rise to the relevant liability. This limitation applies in aggregate across all claims, Schedules and Add-Ons.

(Indemnity) You agree at all times to indemnify and hold harmless Ethicare Financial Services Pty Ltd and its officers, employees and agents (“those indemnified”) from and against any loss (including reasonable legal costs) or liability incurred or suffered by any of those indemnified where such loss or liability was caused or contributed to by you or you officers', employees' or agents':

  • breach of any of these Terms; or
  • negligent, fraudulent or criminal act or omission.

(Consequential loss) We will not be liable for any incidental, special or consequential loss or damages, or damages for loss of data, business or business opportunity, goodwill, anticipated savings, profits or revenue arising under or in connection with these Terms or any goods or services provided by us, except to the extent this liability cannot be excluded under the Competition and Consumer Act 2010 (Cth) or any other applicable law.

(Liability to third parties) Except where such liability cannot be excluded by law:

  • We are not liable for any Loss (including consequential loss or damage) incurred or arising, directly or indirectly, in respect of access or use by any third party to the data contained in or produced on the MYOFP Platform (Third Party Liability); and
  • You shall indemnify MYOFP and MYOFP's employees, contractors, and agents from any Loss arising from any Third Party Liability, except to the extent that the Loss is caused or contributed to by the negligent act or omission of MYOFP.

12. Add-Ons

You may choose to enhance the MYOFP by adding “add-ons” to your Subscription on the platform (Add-ons). If you do choose to do so, we will:

  • take reasonable steps to promptly provide you with access to the Add-ons; and
  • upon providing such access, apply the new, relevant Subscription Fees to the Renewal Period, and you will be charged at the new Subscription Fee in every subsequent Renewal Period

Pro features are Add-Ons subject to the Pro Terms Schedule.

For the avoidance of doubt, if you choose to downgrade your Number of MYOFP Users or remove Add-ons from your Subscription Package, access to the new Number of MYOFP Users or Add-ons and the according new Subscription Fees will kick in at the start of the next Renewal Period, unless we notify you otherwise.

If you choose to downgrade your Number of MYOFP Users or remove Add-ons from your Subscription Package, you acknowledge and agree we are not liable, and you release us from all claims in relation to, any loss of content, features, or capacity, including any User Data.

13. Cancellation and Termination

13.1 Cancellation by Us

We may terminate these Terms or any Subscription in whole or in part immediately by written notice to you, at any time for any reason, including if:

  • you, a member of your Personnel, or a User, are in breach of any term of these Terms; or
  • you become subject to any form of insolvency or bankruptcy administration.

If we terminate these Terms under this clause in circumstances where you have not breached these Terms, we will issue a pro‑rata refund of the unused portion of the current Subscription Period or Renewal Period. We will also make User Data available for export for 30 days following termination.

13.2 Cancelling Your Subscription

You may cancel your Subscription for convenience at any time by notice to us by writing email to hello@ethicarefs.com The termination of your Subscription will take effect at the end of the then current Subscription Period or Renewal Period (Cancellation Period).

Any Subscription Fees that would otherwise have been payable during the Cancellation Period will remain payable and, to the maximum extent permitted by law, no Subscription Fees already paid for the Cancellation Period will be refundable.

We will continue to provide you the MYOFP during the Cancellation Period (including your licence to the Software) and you may retrieve any necessary User Data during this time.

13.3 Termination for Cause

If a party (the Notifying Party) considers that the other party is in breach of this agreement (the Breach), the Notifying Party may provide a notice to the other party the nature and details of the Breach.

The other party will have 10 Business Days (or longer, in the Notifying Party's discretion) to rectify the Breach (the Rectification Period).

After the Rectification Period, the Notifying Party will notify the other party that:

  • where the Breach has been successfully rectified, that the agreement will continue; or
  • where the Breach has not been successfully rectified, that this agreement is terminated (Termination for Breach Notice).

Following a Termination for Breach Notice:

  • your Subscription will immediately terminate, and you and your Users will no longer have access to the MYOFP, User Data or your Account;
  • if you are the Notifying Party, no further Subscription Fees will be payable by you (unless later found that such termination was invalid).

13.4 Other Consequences for Termination

Upon termination of these Terms you will no longer have access to the Software, your Account or your User Data and we will have no responsibility to store or otherwise retain any User Data. You release us in respect of any loss or damage which may arise out of us not retaining any User Data beyond that point.

Notwithstanding termination or expiry of your Account, this agreement any provisions of these Terms which by its nature would reasonably be expected to survive after termination or expiry, will continue to apply.

14. Dispute Resolution

A party claiming that a dispute has arisen under or in connection with this agreement must not commence court proceedings arising from or relating to the dispute, other than a claim for urgent interlocutory relief, unless that party has complied with the requirements of this clause.

A party that requires resolution of a dispute which arises under or in connection with this agreement must give the other party or parties to the dispute written notice containing reasonable details of the dispute and requiring its resolution under this clause.

Once the dispute notice has been given, each party to the dispute must then use its best efforts to resolve the dispute in good faith. If the dispute is not resolved within a period of 14 days (or such other period as agreed by the parties in writing) after the date of the notice, any party to the dispute may take legal proceedings to resolve the dispute.

15. Force Majeure

We will not be liable for any delay or failure to perform its obligations under this agreement if such delay or failure arises out of a Force Majeure Event.

If a Force Majeure Event occurs, we must use reasonable endeavours to notify you of:

  • reasonable details of the Force Majeure Event; and
  • so far as is known, the probable extent to which we will be unable to perform or be delayed in performing its obligations under this agreement.

Subject to compliance with clause 14(b), our relevant obligation will be suspended during the Force Majeure Event to the extent that it is affected by the Force Majeure Event.

For the purposes of this agreement, a ‘Force Majeure Event’ means any:

  • act of God, lightning strike, meteor strike, earthquake, storm, flood, landslide, explosion or fire;
  • strikes or other industrial action outside of the control of us;
  • breakdown of communication facilities, breakdown of web host, breakdown of internet service provider;
  • electricity blackout;
  • war, terrorism, sabotage, blockade, revolution, riot, insurrection, civil commotion, epidemic, pandemic; or
  • any decision of a government authority in relation to COVID-19, or any threat of COVID-19 beyond the reasonable control of us, to the extent it affects our ability to perform our obligations.

16. Notices

A notice or other communication to a party under these Terms must be:

  • in writing and in English; and
  • delivered via email to:
    • you, to the email address specified when you applied to use the Software; or
    • us, to the following email address: hello@ethicarefs.com or to the email address most regularly used by the parties to correspond regarding the subject matter of this agreement as at the date of this agreement (Email Address). The parties may update their Email Address by notice to the other party.

Unless the party sending the notice knows or reasonably ought to suspect that an email was not delivered to the other party's Email Address, notice will be taken to be given:

  • 24 hours after the email was sent, unless that falls on a Saturday, Sunday or a public holiday in the state or territory whose laws govern this agreement, in which case the notice will be taken to be given on the next occurring business day in that state or territory; or
  • when replied to by the other party,

whichever is earlier.

17. General

17.1 Governing Law and Jurisdiction

This agreement is governed by the law applying in Victoria. Each party irrevocably submits to the exclusive jurisdiction of the courts of Victoria and courts of appeal from them in respect of any proceedings arising out of or in connection with this agreement. Each party irrevocably waives any objection to the venue of any legal process on the basis that the process has been brought in an inconvenient forum.

17.2 Waiver

No party to this agreement may rely on the words or conduct of any other party as a waiver of any right unless the waiver is in writing and signed by the party granting the waiver.

17.3 Severance

Any term of this agreement which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity and enforceability of the remainder of this agreement is not limited or otherwise affected.

17.4 Joint and Several Liability

An obligation or a liability assumed by, or a right conferred on, two or more persons binds or benefits them jointly and severally.

17.5 Assignment

A party cannot assign, novate or otherwise transfer any of its rights or obligations under this agreement without the prior written consent of the other party.

17.6 Entire Agreement

This agreement embodies the entire agreement between the parties and supersedes any prior negotiation, conduct, arrangement, understanding or agreement, express or implied, in relation to the subject matter of this agreement.

17.7 Interpretation

  • (singular and plural) words in the singular includes the plural (and vice versa);
  • (currency) a reference to $; or “dollar” is to Australian currency;
  • (gender) words indicating a gender includes the corresponding words of any other gender;
  • (defined terms) if a word or phrase is given a defined meaning, any other part of speech or grammatical form of that word or phrase has a corresponding meaning;
  • (person) a reference to “person” or “you” includes an individual, the estate of an individual, a corporation, an authority, an association, consortium or joint venture (whether incorporated or unincorporated), a partnership, a trust and any other entity;
  • (party) a reference to a party includes that party's executors, administrators, successors and permitted assigns, including persons taking by way of novation and, in the case of a trustee, includes any substituted or additional trustee;
  • (this agreement) a reference to a party, clause, paragraph, schedule, exhibit, attachment or annexure is a reference to a party, clause, paragraph, schedule, exhibit, attachment or annexure to or of this agreement, and a reference to this agreement includes all schedules, exhibits, attachments and annexures to it;
  • (document) a reference to a document (including this agreement) is to that document as varied, novated, ratified or replaced from time to time;
  • (headings) headings and words in bold type are for convenience only and do not affect interpretation;
  • (includes) the word “includes” and similar words in any form is not a word of limitation; and
  • (adverse interpretation) no provision of this agreement will be interpreted adversely to a party because that party was responsible for the preparation of this agreement or that provision.