Terms and Conditions
Petelin Advisory Pty Ltd
ABN: 76 692 232 161
Effective Date: 1 October 2025

1. Agreement to Terms
By engaging Petelin Advisory Pty Ltd ("Petelin Advisory", "we", "us", or "our") for advisory services, you ("Client", "you", or "your") agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you and Petelin Advisory.

2. Services
Petelin Advisory provides go-to-market strategy consulting services for financial services and fintech companies, including but not limited to:

Specific services will be outlined in individual engagement letters or statements of work, which will form part of this agreement.

3. Engagement and Scope
Each engagement will be governed by a separate engagement letter or statement of work that details:

In the event of any conflict between these Terms and Conditions and an engagement letter, the engagement letter will prevail.

4. Fees and Payment
4.1. Fees for services will be specified in the relevant engagement letter.
4.2. Unless otherwise agreed, invoices are payable within 14 days of the invoice date.
4.3. Late payments may incur interest at a rate of 10% per annum calculated daily.
4.4. All fees are exclusive of GST unless otherwise stated. Where applicable, GST will be added to invoiced amounts.
4.5. Out-of-pocket expenses incurred in the provision of services may be charged to the Client with prior approval.

5. Client Obligations
5.1. The Client will provide timely access to relevant information, personnel, and resources necessary for Petelin Advisory to perform the services.
5.2. The Client is responsible for the accuracy and completeness of information provided to Petelin Advisory.
5.3. The Client will provide timely feedback and approvals as required for project progression.

6. Intellectual Property
6.1. Pre-existing intellectual property owned by Petelin Advisory remains our property.
6.2. Deliverables created specifically for the Client under an engagement will be transferred to the Client upon full payment of fees, unless otherwise specified in the engagement letter.
6.3. Petelin Advisory retains the right to use general knowledge, methodologies, and approaches developed during the engagement for other clients.
6.4. The Client grants Petelin Advisory permission to reference the engagement in general terms for business development purposes, unless confidentiality provisions specify otherwise.

7. Confidentiality
7.1. Both parties agree to maintain the confidentiality of information disclosed during the engagement that is marked as confidential or would reasonably be considered confidential.
7.2. Confidential information may be disclosed if required by law or regulatory authority.
7.3. Either party may disclose confidential information to advisors and service providers who are bound by confidentiality obligations.
7.4. Confidentiality obligations survive termination of the engagement.

8. Limitation of Liability
8.1. Petelin Advisory provides advisory services based on information available at the time and prevailing market conditions.
8.2. To the maximum extent permitted by law, Petelin Advisory's liability for any claim arising from services provided is limited to the fees paid for those specific services.
8.3. Petelin Advisory is not liable for indirect, consequential, or special damages including loss of profits, business interruption, or loss of business opportunity.
8.4. Nothing in these terms limits liability for fraud, gross negligence, or breach of non-excludable statutory warranties.
8.5. The Client acknowledges that regulatory environments are subject to change and that advice provided is based on current understanding of applicable regulations.

9. Regulatory Advice Disclaimer
9.1. Where Petelin Advisory provides advice regarding regulatory matters, such advice is general in nature and should not be construed as legal advice.
9.2. Clients are responsible for obtaining independent legal advice regarding regulatory compliance in their specific circumstances.
9.3. Petelin Advisory does not provide legal services and is not a licensed legal practitioner.

10. Termination
10.1. Either party may terminate an engagement with 14 days' written notice.
10.2. Upon termination, the Client remains liable for fees for services rendered up to the termination date.
10.3. Termination does not affect clauses intended to survive termination, including confidentiality, intellectual property, and dispute resolution provisions.

11. Dispute Resolution
11.1. If a dispute arises, the parties agree to first attempt resolution through good faith negotiation.
11.2. If negotiation fails, the parties agree to mediation before pursuing litigation.
11.3. Mediation will be conducted in Sydney, New South Wales, Australia under the Australian Disputes Centre mediation rules.

12. Governing Law and Jurisdiction
12.1. These Terms and Conditions are governed by the laws of New South Wales, Australia.
12.2. The parties submit to the exclusive jurisdiction of the courts of New South Wales, Australia.

13. General Provisions
Amendment: These Terms and Conditions may be amended by Petelin Advisory with 30 days' notice to active clients. Continued engagement after notice constitutes acceptance of amended terms.
Assignment: Neither party may assign rights or obligations under this agreement without the other party's written consent.
Force Majeure: Neither party is liable for failure to perform obligations due to circumstances beyond reasonable control.
Entire Agreement: These Terms and Conditions, together with any engagement letter, constitute the entire agreement between the parties.
Severability: If any provision is found unenforceable, the remaining provisions continue in full force.
Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
Notices: Notices must be in writing and sent to the email address provided by each party.

14. Privacy
Petelin Advisory collects and handles personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Personal information will only be used for the purpose of providing services and managing the client relationship.
Our Privacy Policy, available on our website, provides additional detail on how we handle personal information.

15. Professional Indemnity Insurance
Petelin Advisory maintains professional indemnity insurance appropriate to the services provided.

Contact Information
For questions regarding these Terms and Conditions, please contact me via the contact button.
Last Updated: 7 November 2025