TERMS OF SERVICE

1. ABOUT THESE TERMS

  • These Terms of Service explain how Koppl Consulting works with its clients

  • They are a summary of our approach. The detailed terms that govern your engagement with us are set out in your signed Engagement Letter

  • Where anything in these Terms differs from your Engagement Letter, your Engagement Letter prevails

  • All fees, rates, percentages and pricing applicable to you are confirmed in your Engagement Letter or project quote before any work begins

2. WHO WE ARE AND WHAT WE DO

  • We are strategic business advisors serving Geraldton, the Mid West and regional Western Australia

  • Our services include strategic business planning, entity structuring strategy, lending preparation, cash flow strategy, budget construction, business development and goal setting frameworks

  • We work alongside your existing accountant, bookkeeper, financial planner and lawyer. We do not replace them

  • We focus on strategy and direction, not compliance work

3. WHAT WE ARE NOT

  • We do not hold an Australian Financial Services Licence. We do not recommend specific financial products, investments or insurance

  • We do not hold an Australian Credit Licence. We do not act as a mortgage broker or recommend specific loan products

  • We do not provide legal advice or interpret the legal terms of contracts or trust deeds

  • Where our strategy work identifies a need for a specific product, credit facility or legal instrument, we will guide you on what to look for and what questions to ask, and recommend you obtain independent advice from an appropriately licensed professional

  • We do not earn commissions or sell products. Our recommendations are free from product sales conflicts

4. HOW OUR SERVICES ARE STRUCTURED

  • Every engagement begins with a Strategic Assessment, a deep dive analysis of your business, structures, cash flow and goals, resulting in a comprehensive Strategic Roadmap

  • Ongoing support is delivered through the Implementation Partnership, a fixed monthly subscription billed in advance, covering the services listed in your Engagement Letter

  • Substantial one off initiatives are delivered as Value Projects, scoped in writing before commencement and priced as a fixed fee, a performance based fee, or a choice of both, depending on the nature of the work

  • Ad hoc work is available as casual hourly engagements

  • Your Engagement Letter confirms which categories apply to you and exactly what is included

5. FEES AND PAYMENT

  • All fees, billing frequency and due dates applicable to your engagement are set out in your Engagement Letter or quote

  • Work product, documents and project materials are released once the corresponding invoice is paid in full

  • If any invoice is not received by its due date, reminder notices will be issued

  • If payment remains outstanding more than 14 days after the due date, services will be paused until the account is brought current, and will resume promptly once paid, with no reactivation fees

  • While services are paused, we are not monitoring legislative changes affecting your strategy, and we accept no responsibility for changes occurring during that gap

6. NO SURPRISE BILLING

  • If work is requested that falls outside your agreed scope, we will tell you before commencing and provide a written quote

  • You are never charged for work outside your agreed scope without your prior written approval

  • Where a request is ambiguous as to whether it falls inside your subscription, we treat it as outside and quote it, so the choice is always yours

7. CLIENT CAPACITY

  • We deliberately limit our practice to a small number of active Implementation Partnership clients at any given time

  • This ensures every client receives priority access and undivided attention

  • Once our roster is full, new clients are placed on a wait list and contacted when a vacancy becomes available

8. CLIENT RESPONSIBILITIES

  • You agree to provide accurate and complete information when requested, including financial statements and banking records

  • We work collaboratively with you to gather this information, including assisting you to download reports from your accounting software and online banking or other software as required

  • You must notify us promptly of any changes to your personal, business or financial circumstances that may affect the relevance of our work

  • Projections, estimates and scenarios are based on assumptions and do not guarantee future results, lending approvals or financial outcomes

  • You remain ultimately responsible for all financial decisions made during or as a result of our engagement

9. CONFIDENTIALITY AND PRIVACY

  • All client information is treated as strictly confidential

  • We do not sell, rent or share your information for marketing purposes under any circumstances

  • We only disclose information where you have given express written consent for a specific purpose, such as liaising with your accountant or lender, or where compelled by a court order, in which case we will notify you beforehand unless legally prohibited

  • We comply with the Australian Privacy Act 1988 and the Australian Privacy Principles, and you may request access to, correction of, or deletion of your personal information subject to legal record keeping requirements

  • Client data is stored on encrypted infrastructure using strong encryption, and confidentiality obligations survive termination of your engagement for 5 years

10. INTELLECTUAL PROPERTY

  • All work product created by us in the course of your engagement remains our intellectual property. This includes, but is not limited to, Strategic Roadmaps, spreadsheets, budgets, cash flow models and trackers, business plans, projections, loan application packages, reports, assessments, letters, templates, frameworks, methodologies, tools and any other documents or materials we prepare for you

  • You receive a perpetual, non exclusive, non transferable licence to use these materials for your own personal and business decision making purposes. This licence continues indefinitely after your engagement with us ends, including after termination

  • Where third party tools are used in delivering our services, those tools remain the property of their respective owners

What You May Do

  • Use, refer to and act on any documents or materials we have prepared for you, for your own purposes, forever, whether or not you remain our client

  • Discuss any aspect of the strategy with family members or business partners involved in your decisions

  • Show relevant parts, sections or specific recommendations to your own professional advisers, such as your accountant, lawyer or lender, so they can help you implement or validate the strategy

  • Engage another professional to help you implement the strategy contained in your documents

What You May Not Do

  • Give, send, forward or otherwise provide a copy of our documents, spreadsheets, templates, frameworks, methodologies, tools or materials, in full or in part, to any third party, except as expressly permitted above for your own advisers and family members involved in your decisions

  • Sell, commercialise, publish or distribute our materials in any form

  • Engage or assist any third party to recreate, adapt or reverse engineer our templates, frameworks, methodologies or tools

  • Allow any other business or individual to use our materials for their own purposes

11. TERMINATION

  • Either party may terminate the Implementation Partnership with 30 days written notice

  • Upon termination, you pay for all services rendered up to the termination date, prepaid and partially used fees are not refundable, and your documents are returned within 10 business days

  • Confidentiality, liability and payment obligations survive termination

12. COMPLAINTS

  • Complaints can be directed to office@koppl.au or 0432 339 525

  • We acknowledge complaints within 2 business days and provide a substantive response within 10 business days

13. LIMITATION OF LIABILITY

  • To the extent permitted by law, our liability for any claim arising from our services is limited to the fees paid by you for the engagement giving rise to the claim

  • We are not liable for indirect or consequential loss arising from decisions made on the basis of our strategic guidance, as you remain responsible for all final decisions

14. WEBSITE USE

  • Content on this website is general information only and does not take your personal circumstances into account

  • Nothing on this website constitutes a recommendation

  • We may update website content and these Terms from time to time. No update changes the pricing or scope of a current engagement without your written agreement

15. GOVERNING LAW

  • These terms are governed by the laws of Western Australia, Australia, and any disputes are resolved in accordance with Australian law

Effective Date: 01 / 07 / 2026

PRIVACY POLICY

Koppl Consulting

1. OUR POSITION ON YOUR DATA

  • We will never sell your data to anyone, ever. We do not believe in data selling, data broking or trading your information for profit, full stop

  • We do not share, rent, sell or trade your personal or financial information for marketing or commercial purposes under any circumstances

  • Your information is collected for one reason only: to provide the strategic advisory services you have engaged us for

2. WHO WE ARE

  • Koppl Consulting is the collector of your personal information under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs)

  • You can contact us about privacy at office@koppl.au or 0432 339 525

3. WHAT INFORMATION WE COLLECT

  • Personal information you provide through our website contact forms, such as your name, phone number, email address and enquiry details

  • Personal information you provide when you engage our services, including identification details, business and entity information, and contact details

  • Financial information necessary to deliver our services, such as financial statements, accounting software reports, bank statements, budgets, loan application documentation and related materials

  • Communications records, including emails, call notes and meeting records relating to your engagement

  • De identified and anonymised data we may use to improve our services

4. HOW WE COLLECT INFORMATION

  • We collect information directly from you, through forms, email, phone, in person meetings and collaborative data gathering sessions

  • With your authorisation, we work alongside you to download reports directly from your accounting software and internet banking

  • We do not collect information about you from data brokers, marketing lists or tracking data resellers

5. WHY WE COLLECT IT (PURPOSE AND USE)

  • To prepare your Strategic Roadmap and deliver the services in your Engagement Letter

  • To communicate with you about your engagement

  • To meet our legal and record keeping obligations

  • To improve our services using anonymised data

  • We only use your information for the purpose it was collected for, or for a directly related purpose you would reasonably expect

6. WHEN WE DISCLOSE INFORMATION

  • We only disclose your information where:

    • You have given express written consent for disclosure to a specific third party, such as your accountant, lawyer or lender, for the purpose of implementing your strategy

    • We are compelled by a written court order or other lawful requirement issued by a government or judicial body, in which case we will notify you before disclosure unless legally prohibited from doing so

  • We never disclose your information for marketing purposes

7. DIRECT MARKETING

  • We do not sell or rent your information to direct marketers

  • We will only contact you with our own updates where you have consented or where you are a current or former client and the communication relates to your engagement

  • You can opt out of any communications from us at any time by emailing office@koppl.au, and we will action your request promptly

8. CROSS BORDER DISCLOSURE

  • We do not send your personal information overseas for processing

  • Where your information is stored outside Australia, it is stored on encrypted server infrastructure in Switzerland, a jurisdiction with strong privacy protections, and we take reasonable steps to ensure it is protected at a standard at least equivalent to the Australian Privacy Principles

9. DATA SECURITY

  • All client information is stored on encrypted server infrastructure

  • We use zero access encryption, meaning your data is encrypted before it is stored and server administrators cannot access or read it

  • Stored data is protected using AES 256 bit encryption

  • Our email system uses encryption. While we cannot guarantee the security of your own email provider, once your message reaches our inbox it is protected

  • Access to client information within our practice is limited to personnel who need it to deliver your services

10. DATA QUALITY AND CORRECTION

  • We take reasonable steps to ensure the personal information we collect, use and disclose is accurate, complete and up to date

  • You have the right to request access to, or correction of, the personal information we hold about you, subject to legal record keeping requirements

  • Access and correction requests can be made to office@koppl.au and we will respond within a reasonable period

11. DELETION AND RETENTION

  • You may request deletion of your personal information, subject to our legal record keeping obligations

  • We retain client records for the period required by law and for a reasonable period after your engagement ends, to allow for follow up questions about work performed

  • Records are securely destroyed once retention obligations expire

12. ANONYMITY AND PSEUDONYMY

  • Where it is lawful and practicable, you have the option of interacting with us without identifying yourself, for example, making general enquiries

  • Obviously, delivering personal advisory services requires us to know who you are

13. GOVERNMENT RELATED IDENTIFIERS

  • We may collect identifiers such as your ABN, ACN or TFN where reasonably necessary to verify identity or deliver a service you have requested

  • We do not adopt a government identifier as our own identifier for you

14. SENSITIVE INFORMATION

  • We do not collect sensitive information (such as health information or biometric data) except where strictly necessary for a service you request, and only with your consent

  • We will tell you when we collect it and what it will be used for

15. DATA BREACHES

  • We take data security seriously and have reasonable safeguards in place as described in Section 9

  • If a data breach occurs that is likely to result in serious harm to any individual, we are committed to complying with the Notifiable Data Breaches scheme under the Privacy Act 1988, including notifying affected individuals and the Office of the Australian Information Commissioner (OAIC) as required

16. WEBSITE COLLECTION

  • Our website contact forms collect only the information you enter, which is sent to us and used solely to respond to your enquiry

  • We do not use advertising trackers or sell behavioural data

  • Any analytics we use are limited to aggregate, non identifying statistics about site usage, such as page views, and cannot be used to identify you personally

17. COMPLAINTS

  • If you believe we have breached the Australian Privacy Principles, you can complain to office@koppl.au or 0432 339 525

  • We will acknowledge your complaint within 2 business days and provide a substantive response within 10 business days

  • If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner at oaic.gov.au

18. THIRD PARTY WEBSITE HOSTING

  • This website is hosted by VentraIP, an Australian web hosting company. Hosting means the website's files and infrastructure are operated by VentraIP on our behalf

  • When you visit our website, your browser connects to our host's servers. VentraIP may automatically collect standard technical information about your visit, such as IP address, browser type, device information and server logs. This is a normal function of web hosting and is used for purposes such as security, performance and site operation

  • We do not control how VentraIP collects, uses, stores or processes that technical information, and their handling of it is governed by their own privacy policy and terms of service, not ours

  • We chose VentraIP deliberately because it is an Australian company, which means your connection to this website is not passing through overseas infrastructure we cannot vouch for

  • We recommend you review the hosting provider's privacy policy for details of how they handle technical information collected through hosting our website

  • Our contact forms are hosted through our website provider. Information you submit through those forms reaches us, but the transmission passes through the hosting infrastructure described above, and while we encrypt and protect your information once it reaches us, we cannot control the hosting environment itself

  • This section does not apply to the client information we hold about you. That information is governed by Sections 8 and 9 of this Policy (storage and security) and is held separately to this website's hosting arrangements

  • Link to VentraIP Privacy Policy - https://ventraip.com.au/terms-policies-agreements/privacy-policy/

19. CHANGES TO THIS POLICY

  • We may update this Policy from time to time and will publish the current version on this website

  • Material changes affecting current clients will be notified in writing

Effective Date: 01 / 07 / 2026