Platform Terms
Last updated: 2 October 2026
Version 1.0. Dated 2 October 2026.
These terms are a contract between BackPro AI Pty Ltd (ABN 25 687 418 140) ("BackPro", "we", "us") and the firm that holds an account on the BackPro platform ("you", "the Firm"). They apply to every plan, trial, seat and AI credit you buy and to everyone who uses the platform under your account.
By ticking the box and continuing to payment, the person doing so confirms that they have authority to bind the Firm, and the Firm agrees to these terms.
1. What the platform is
1.1 The BackPro platform is hosted software for Australian financial advice practices. Depending on your plan it generates and formats Statements of Advice and Records of Advice, runs fact finds, models cashflows and strategies, compares products, screens documents against compliance rules and provides related tools ("the Platform").
1.2 The Platform uses artificial intelligence to draft, format, summarise and check documents. AI output can be wrong, incomplete or out of date. Section 6 sets out what that means for you.
1.3 The Website Terms of Use at backpro.ai/terms govern our marketing website. These Platform Terms govern the Platform. If the two conflict, these Platform Terms apply to the Platform.
2. Your account and your users
2.1 The person who creates the Firm's account is its owner. The owner and any firm admin may invite users, change the plan, buy credits and cancel.
2.2 Each user needs their own login. You must not share logins. You are responsible for everything done under your account, including by your users and by anyone who uses a login you failed to keep secure.
2.3 You must keep your contact and billing details current. We send notices about your account to the owner's email address.
2.4 The Platform is offered to businesses. It is not offered to consumers.
3. Free trial
3.1 A new Firm starts on a free trial of 7 days or 5 SoAs, 3 formatter runs, 2 RoAs and 1 fact find, whichever comes first.
3.2 We take your card details when you choose a plan. When the trial ends your plan starts billing unless you cancel first. A trial cancelled in Settings ends at once and nothing is charged.
3.3 A Firm gets one trial. A Firm that cancels and later chooses a plan again pays from the first day.
4. Fees, seats and payment
4.1 Plans are billed monthly in advance at the prices shown in the Platform when you choose a plan. Prices exclude GST. GST is added on the invoice.
4.2 Lite and Digital plans are charged per user. The Practice plan includes three users and charges for each extra user. One seat is taken by each active member of your Firm. You can change the number of seats on the billing page.
4.3 Stripe processes every payment. We never see or store your card number. Stripe's own terms apply to the payment itself.
4.4 You must give us a valid Australian Business Number at checkout. The ABN and the business name are printed on your tax invoices.
4.5 If a payment fails we will try again and tell you. While a payment is outstanding we may put your account into read-only mode. If the payment remains outstanding we may suspend or end your plan.
4.6 Changing to a different plan takes effect at once. The difference is adjusted on your next invoice.
4.7 We may change our prices. We will give you at least 30 days' notice by email before a price change applies to your plan.
5. AI credits
5.1 Some AI jobs use prepaid AI credits. Credits are bought in advance, are used by AI jobs as they run and are not refundable once bought.
5.2 If you switch on automatic top-up, you authorise us to charge your saved card for the top-up amount you set whenever the balance falls under the line you set. You can switch automatic top-up off at any time in Settings.
5.3 Unused credits stay on your account while you have a plan. They lapse when your plan ends.
6. AI output and your professional responsibility
6.1 You are the provider of financial advice to your clients. BackPro is a software provider. BackPro does not hold an Australian Financial Services Licence, is not an authorised representative of any licensee and does not give financial product advice, legal advice or tax advice to you or to your clients.
6.2 Every document, figure, projection, comparison, compliance result or other output the Platform produces ("Output") is a draft for a qualified person at your Firm to review. You must review every Output before you rely on it or give it to a client. You are responsible for the advice you give, for its suitability for the client and for its compliance with the Corporations Act 2001 (Cth), ASIC regulatory guides, your licensee's standards and the Financial Planners and Advisers Code of Ethics.
6.3 AI produces errors. Output can misstate facts, invent figures, omit required content, apply an outdated rate or threshold or misread a document. Compliance screening finds some problems and misses others. We do not promise that any Output is accurate, complete, current or compliant.
6.4 Statutory rates, thresholds and tables in the Platform (such as tax, superannuation, Centrelink and aged care figures) are updated with reasonable care but may lag a change in the law. You must check any figure that matters to a client against the current source.
6.5 Modelling and projections are illustrations based on the assumptions entered. They are not forecasts and not guarantees of any outcome.
6.6 You must not represent to any client that BackPro gave the advice, reviewed the advice or guarantees the advice.
7. Your data and your clients' data
7.1 You own the data you and your users put into the Platform, and the Output produced from it ("Your Data"). We claim no rights in Your Data beyond the licence in clause 7.2.
7.2 You give us a licence to store, process, transmit and display Your Data as needed to provide, support, secure and improve the Platform for you.
7.3 You are responsible for having the right to put Your Data into the Platform, including the consents and notices the Privacy Act 1988 (Cth) and the Australian Privacy Principles require for your clients' personal information.
7.4 We use third-party AI model providers to process Your Data when you run an AI job. We choose providers whose terms do not allow them to train their models on your content. Where you connect your own AI provider keys, that provider's terms apply to the processing done with those keys.
7.5 We do not use Your Data to train AI models. We do not sell Your Data.
7.6 Your Data is hosted in Australia.
7.7 We keep Your Data confidential and protect it with reasonable technical and organisational security. No system is completely secure, and we do not promise that unauthorised access will never happen. If we become aware of a data breach affecting Your Data we will tell you without undue delay so you can meet your own notification obligations.
7.8 When your plan ends we keep Your Data for 30 days so you can export it or return. After that we may delete it. We may keep backups and audit records for longer where the law or our security practices require.
7.9 Our Privacy Policy at backpro.ai/privacy explains how we handle personal information about you and your users.
8. Acceptable use
8.1 Our Acceptable Use Policy at backpro.ai/acceptable-use forms part of these terms.
8.2 You must not use the Platform for anything unlawful, upload content you have no right to upload, attempt to access another firm's data, probe or attack the Platform, reverse engineer it, extract its prompts, models or methods, use it to build a competing product or resell access to it.
8.3 We may suspend an account that breaches this section at once and without notice where we consider that necessary to protect the Platform, other customers or the public.
9. Our commitments and their limits
9.1 We will provide the Platform with reasonable care and skill, and we will try to keep it available. We do not promise uninterrupted or error-free operation. We may take the Platform down for maintenance and will give notice where we reasonably can.
9.2 We may change, add or remove features. If we remove a feature that is material to your plan we will give you at least 30 days' notice.
9.3 Except as these terms say, and to the extent the law allows, we give no warranties about the Platform or any Output, including any implied warranty of merchantability, fitness for purpose or non-infringement.
10. Australian Consumer Law
10.1 Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy under the Australian Consumer Law or any other law that cannot be excluded.
10.2 Where a guarantee applies and the law lets us limit our liability for breaching it, our liability is limited, at our option, to supplying the services again or paying the cost of having them supplied again.
11. Limitation of liability
11.1 To the extent the law allows, we are not liable for any indirect or consequential loss, loss of profit, revenue, business, goodwill or data, or any claim made against you by a client, a licensee, a regulator or anyone else, however it arises and even if we were told it might.
11.2 To the extent the law allows, our total liability to you for all claims arising out of or connected with these terms or the Platform, in contract, tort (including negligence), statute or otherwise, is capped at the total fees you paid us in the 12 months before the event giving rise to the claim.
11.3 Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for any liability the law does not allow us to limit.
11.4 You must take reasonable steps to limit any loss.
12. Your indemnity
12.1 You indemnify us against any loss, cost, claim or liability (including reasonable legal costs) we suffer because of advice you or your users give to any client, whether or not the Platform helped produce it, because of Your Data, because of your use of the Platform in breach of these terms or the law, or because of a claim that Your Data infringes someone's rights.
13. Intellectual property
13.1 We own the Platform, its software, models, prompts, templates, designs, documentation and all improvements to them. These terms give you a non-exclusive, non-transferable right to use the Platform for your Firm's business while you have a plan, and nothing more.
13.2 Templates and house styles you upload stay yours. Documents the Platform generates from your inputs are yours (see clause 7.1).
13.3 If you give us feedback or suggestions, we may use them without obligation to you.
14. Cancelling and ending the agreement
14.1 You can cancel in Settings at any time. A trial ends at once. A paid plan runs to the end of the period you have paid for and is not renewed. Fees already paid are not refunded. You can undo a cancellation before the period ends.
14.2 We may end your plan on 30 days' notice for any reason, or at once if you breach these terms and do not fix the breach within 14 days of our notice, or if the breach cannot be fixed.
14.3 When your plan ends your access stops. Clause 7.8 says what happens to Your Data. Sections 6, 7, 10, 11, 12, 13, 16 and 17 survive.
15. Changes to these terms
15.1 We may update these terms. We will give you at least 30 days' notice of a material change by email and in the Platform. The Platform will ask you to accept the current version before your next payment or plan change. If you do not agree, you may cancel before the change takes effect.
16. Governing law and disputes
16.1 These terms are governed by the law of New South Wales, Australia. The courts of New South Wales have exclusive jurisdiction.
16.2 Before starting proceedings, each party will try to resolve a dispute by negotiation for 30 days, then by mediation in Sydney under the Australian Disputes Centre rules. This does not stop either party seeking urgent injunctive relief.
17. General
17.1 These terms, the Acceptable Use Policy and the Privacy Policy are the entire agreement about the Platform and replace any earlier discussion or proposal.
17.2 If a part of these terms is unenforceable, the rest still applies.
17.3 Neither party is liable for a delay caused by something outside its reasonable control, except for an obligation to pay.
17.4 You may not assign these terms without our consent. We may assign them to a related company or to a buyer of our business, with notice to you.
17.5 Notices to us go to backpro@backpro.ai. Notices to you go to the owner's email address.
18. Contact
BackPro AI Pty Ltd
14 Cooksey Avenue, Freshwater NSW 2096, Australia
0468 354 703
ABN 25 687 418 140