TERMS OF USE

Navgo AML & Governance Services ABN: 76 490 909 878 Address: Level 1, 60 Martin Place, Sydney, NSW, Australia, 2000 

Last updated: 15/06/2026

Welcome to Navgo AML & Governance Services (“Navgo”, “we”, “our”, “us”).

By accessing our website or engaging our services, you agree to these Terms & Conditions and our Privacy Policy.
If you do not agree, please discontinue use of our website and services.

1. About Navgo

Navgo provides AML/CTF advisory, governance, training, assurance, and compliance consulting services to Australian businesses, including reporting entities under the AML/CTF Act.

These Terms apply to all visitors to our website and all clients who engage our services.

2. Use of Our Website

You may use our website for lawful purposes only.
You must not:

• misuse, disrupt, or interfere with the website
• attempt to access secure areas without authorisation
• use the website to distribute harmful, misleading, or unlawful content

We may update, suspend, or restrict access to the website at any time.

3. Provision of Services

When you engage Navgo, we will:

• provide services with reasonable care, skill, and diligence
• comply with applicable Australian laws
• provide advice and deliverables for your internal use only

Draft or interim advice must not be relied upon. Only final written deliverables represent Navgo’s conclusions.

We may use third‑party data sources (e.g., sanctions lists, PEP lists, verification tools). We do not guarantee the accuracy or availability of third‑party information.

4. Your Responsibilities

You agree to:

• provide accurate and complete information
• ensure you have authority to share all data with Navgo
• comply with the AML/CTF Act, Privacy Act, and other applicable laws
• use Navgo’s deliverables only for lawful internal business purposes

You indemnify Navgo for losses arising from:

• inaccurate or misleading information you provide
• your failure to comply with applicable laws
• third‑party claims relating to your data or conduct

5. Data & Privacy

Your data remains your property.
Navgo will:

• use your data only to deliver services
• take reasonable steps to protect your data
• store data securely, which may include reputable cloud services located overseas

You must obtain all necessary consents from individuals whose personal information you provide to Navgo.

We may generate anonymised, aggregated insights for internal research and service improvement. These insights do not identify individuals.

Data is retained for the period required by law. For more information, please see our Privacy Policy.

6. Confidentiality

Both parties must keep each other’s confidential information secure and confidential.

Confidential information may be disclosed only:

• with written consent
• to personnel who need it to perform services
• where required by law or a regulator

Confidentiality obligations continue after services end.

7. Fees & Payment

Fees are set out in your proposal or engagement letter.

Unless otherwise agreed:

• invoices are payable within 14 calendar days
• overdue amounts may incur interest
• Navgo may suspend services for unpaid invoices

Additional work outside the agreed scope will be charged at Navgo’s standard rates.

8. Intellectual Property

Navgo owns all intellectual property in its methodologies, templates, training materials, and deliverables.

We grant you a non‑exclusive licence to use deliverables for your internal business purposes only.

You must not reproduce, distribute, or commercialise Navgo materials without written consent.

9. Limitation of Liability

To the maximum extent permitted by law, Navgo is not liable for:

• indirect or consequential loss
• loss of profits, revenue, or business
• reliance on draft or interim advice
• inaccuracies in third‑party data

Navgo’s total liability is limited to the fees paid for the relevant services. Nothing in these Terms limits rights under the Australian Consumer Law.

10. Termination

Either party may terminate services with 14 days’ written notice.

Navgo may terminate immediately if:

• you breach these Terms
• you fail to pay fees

Upon termination:

• all outstanding fees become payable
• Navgo will provide completed deliverables up to the termination date
• data retention obligations continue as required by law

11. Changes to These Terms

We may update these Terms at any time by publishing the revised version on our website.
Continued use of our website or services constitutes acceptance of updated Terms.

12. Governing Law

These Terms are governed by the laws of New South Wales, Australia.
Any disputes will be resolved exclusively in the courts of New South Wales.

13. Contact Us

For questions about these Terms, please contact:
Email: contact@navgo.com.au 

Phone: +61 (0) 7240 1212