Terms of Service

1. About these terms

These Terms of Service (Terms) govern your access to and use of the Clear Canopy platform, websites and related services (the Service), operated by Clear Canopy (we, us, our). By creating an account or using the Service you agree to be bound by these Terms. If you are using the Service on behalf of a business (such as an advisory practice), you represent that you have authority to bind that business, and “you” refers to that business.

2. The Service

Clear Canopy is a software tool for financial advisers and other professionals to map family wealth structures, model what-if scenarios and identify potential estate planning gaps. The Service provides general information and visualisation tools only. It does not provide financial, legal, tax or estate planning advice, and its outputs (including scenario simulations, gap analyses and AI-generated content) are simplified illustrations that may be incomplete or inaccurate. You remain solely responsible for any advice you give to your clients and for verifying all outputs before relying on them.

3. Accounts and eligibility

You must provide accurate registration information and keep your login credentials secure. You are responsible for all activity under your account and for the actions of team members and invited collaborators you add to your practice. You must be at least 18 years old and capable of forming a binding contract to use the Service.

4. Client and family data

You may enter or upload personal and financial information about your clients and their family members (Client Data). As between you and us, you own the Client Data. You warrant that you have collected it lawfully, that you have any necessary consents or other lawful basis to store and process it in the Service (including processing by our subprocessors described in our Privacy Policy), and that your use complies with the Privacy Act 1988 (Cth), the Australian Privacy Principles and any professional obligations that apply to you.

We process Client Data only to provide and improve the Service, as instructed by you through your use of the Service, and as described in our Privacy Policy. You can export your data at any time from Settings, and you may request deletion of your account and associated data.

5. AI features

The Service includes AI-assisted features (for example, building structures from meeting notes and extracting details from uploaded documents). Content you submit to these features is processed by our AI provider, Anthropic, to generate the requested output. AI outputs may contain errors — you must review them before applying them to a client file. You must not submit content you do not have the right to process.

6. Subscriptions, fees and cancellation

Paid plans are billed monthly in advance in Australian dollars via our payment processor, Stripe. Prices are as displayed on our pricing page and may change with at least 30 days’ notice, taking effect at your next billing cycle. You may upgrade, downgrade or cancel at any time from Settings → Billing; cancellation takes effect at the end of the current billing period and fees already paid are non-refundable except where required by law (including the Australian Consumer Law).

7. Acceptable use

You must not:

• use the Service unlawfully or to store data you are not entitled to hold;
• attempt to gain unauthorised access to the Service or other users’ data;
• interfere with, disrupt or place unreasonable load on the Service;
• reverse engineer, resell or sublicense the Service except as permitted by law;
• use the Service to develop a competing product.

8. Intellectual property

We own all intellectual property rights in the Service, including its software, design and branding. We grant you a limited, non-exclusive, non-transferable licence to use the Service for your internal business purposes during your subscription. Reports you generate for your clients may be shared with those clients in the ordinary course of your practice.

9. Availability and support

We aim to keep the Service available at all times but do not guarantee uninterrupted access. We may perform maintenance, and we may modify or discontinue features with reasonable notice where the change is material. Support is provided by email at support@clearcanopy.com.au.

10. Liability

To the maximum extent permitted by law, and subject to any consumer guarantees under the Australian Consumer Law that cannot be excluded: (a) the Service is provided “as is”; (b) we exclude all implied warranties; (c) we are not liable for indirect or consequential loss, loss of profit, or loss arising from advice you give in reliance on the Service; and (d) our total aggregate liability arising out of or in connection with the Service is limited to the amount you paid us in the 12 months before the event giving rise to the claim. Where liability cannot be excluded but can be limited, it is limited to re-supplying the Service.

11. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms and do not remedy the breach within 14 days of notice, or immediately for serious misuse. On termination we will make your data available for export for 30 days, after which it may be deleted.

12. Changes to these terms

We may update these Terms from time to time. If a change is material we will give you at least 30 days’ notice by email or in-app notice. Continued use of the Service after the change takes effect constitutes acceptance.

13. Governing law

These Terms are governed by the laws of Victoria, Australia, and you submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth of Australia.

14. Contact

Questions about these Terms: support@clearcanopy.com.au