These Terms and Conditions govern your access to and use of the RiskProtector.com.au website and the services made available through it. By using our website or engaging our services, you agree to these terms. Please read them carefully.
If you’re reading this under genuine pressure, we understand. We’ve written these terms to be clear rather than impenetrable. The most important things you need to know are at the front.
RiskProtector.com.au is an Australian business (“we”, “us” or “our”). References to “RiskProtector.com.au” throughout these terms refer to the business operating under that name.
RiskProtector.com.au provides structural and strategic advisory services, strategic mentoring and document preparation in draft form to directors, business owners and other individuals facing high-pressure business and financial situations.
We aren’t a law firm. We aren’t a financial advisory firm. We don’t provide legal advice, financial advice, tax advice or accounting services. What we provide is structural and strategic guidance drawn from direct lived experience in business, crisis and recovery. Everything we produce is for informational, educational and strategic purposes only. It doesn’t constitute legal or financial advice and shouldn’t be treated as a substitute for it.
Our services include:
All services are delivered on the basis that they are complementary to, not a substitute for, professional legal and financial advice. We strongly encourage all clients to engage a qualified solicitor or accountant to review and advise on any document or strategy we prepare before acting on it.
Nothing we say, write, prepare or provide constitutes legal advice, financial advice, tax advice or any form of regulated professional advice. Our services are strategic and educational in nature. We aren’t licensed to provide legal or financial advice and we don’t do it.
Acting on anything we produce without obtaining independent legal and financial advice is entirely at your own risk. We strongly recommend that any structural document, strategic recommendation or draft correspondence we prepare is reviewed by a qualified solicitor and, where relevant, a registered accountant or financial adviser before you rely on or act on it.
The urgency you may be feeling right now is real and we understand it. But urgency isn’t a reason to skip proper professional review of the structures and strategies we help you develop. It’s a reason to move quickly through that review process, not to bypass it.
The free 13-point Structural Vulnerability & Risk Exposure Analysis is available to anyone who completes it honestly and in full through riskprotector.com.au. Completing the assessment is free of charge and doesn’t obligate you to engage any further services.
The written Red, Amber and Green analysis we return is based on the information you provide. Its accuracy depends entirely on the completeness and honesty of that information. We rely on what you tell us. If information is incomplete, withheld or inaccurate, the analysis we return can’t reflect your actual position.
The assessment output is for informational and educational purposes only. It isn’t legal advice, financial advice or a substitute for professional review. It’s a starting point, not an endpoint. Once we’ve worked through the analysis with you, we’ll direct you to share the relevant outputs with your solicitor or accountant so they can implement what we’ve developed together.
Where you engage our services beyond the free assessment, the specific terms of that engagement will be agreed in writing before work begins. Those written engagement terms take precedence over these general Terms and Conditions in the event of any inconsistency.
RiskProtector.com.au is the service provider for all engagements. Tax invoices are issued by RiskProtector.com.au. To deliver services, RiskProtector.com.au may engage specialist contractors who work under our direction and on our behalf. Those contractors aren’t party to your engagement agreement. Your contract is with riskprotector.com.au at all times and we remain responsible for the services delivered to you.
All fees are quoted exclusive of GST unless stated otherwise. Payment terms are as set out in the relevant engagement letter or tax invoice. We reserve the right to pause or suspend services where fees are not paid in accordance with agreed terms.
We may decline to provide services at our discretion. We aren’t obligated to take on every enquiry we receive.
Where documents are prepared in draft form, those documents are provided as a starting point for review and finalisation by a qualified solicitor or other relevant professional. They aren’t execution-ready documents and shouldn’t be signed, filed or relied upon without professional review.
No representation is made that any document prepared through RiskProtector.com.au is legally valid, enforceable or appropriate for your specific circumstances. Legal validity depends on a range of factors specific to your situation, jurisdiction and the relevant law. Only a qualified solicitor can advise you on those matters.
Drafts produced may require substantial amendment by your solicitor before they are fit for purpose. That is expected and intended. The value of the document preparation service is in the strategic thinking behind the structure, not in producing a document that can be used without professional input.
RiskProtector.com.au may refer you to specialist contractors or other professionals where your situation warrants it. Those specialists operate independently and aren’t employees or agents of RiskProtector.com.au. Any engagement with a referred specialist is a separate arrangement between you and that specialist.
RiskProtector.com.au may receive a referral fee from specialists to whom clients are referred. Where this is the case, we’ll disclose that arrangement to you before making the referral. The existence of a referral fee doesn’t affect the independence of the referral or the quality of the specialist’s work.
We take reasonable care in the selection of specialists to whom we refer clients. However, we don’t guarantee the quality, accuracy or outcome of any work performed by a referred specialist and accept no liability for it.
We treat the information you share with us as confidential. We won’t disclose it to third parties except where you’ve given us permission to do so, where we’re required by law to disclose it, or where disclosure is necessary to deliver the services you’ve engaged us for.
Where we make referrals to insolvency practitioners, solicitors, accountants or other professionals at your request, we may share relevant information about your situation with that referral recipient. We’ll always tell you before we do this.
Confidentiality operates both ways. We ask that you treat any proprietary methodologies, tools or materials we share with you as confidential and not share or reproduce them without our written consent.
To the maximum extent permitted by law, riskprotector.com.au and its principals, employees and contractors exclude all liability for any loss, damage or claim arising out of or in connection with the use of our website, the completion of the 13-point assessment or the delivery of our services.
This includes but isn’t limited to liability for:
Where liability can’t be excluded by law, our liability is limited to the resupply of the relevant services or the refund of fees paid for those services, at our election. Nothing in these terms excludes liability that can’t lawfully be excluded under Australian Consumer Law.
By using our services, you agree to indemnify and hold harmless RiskProtector.com.au and their principals, employees and contractors from and against any claim, liability, loss, damage, cost or expense arising from your use of our services, your breach of these terms or any representation you make to us that is false, misleading or incomplete.
All content on RiskProtector.com.au, including text, assessments, frameworks, methodologies and documents, is the intellectual property of RiskProtector.com.au or its licensors. You may use content from our website for personal, non-commercial purposes. You may not reproduce, republish, distribute or commercialise any content from our website without our written consent.
Documents prepared for you as part of an engagement become yours to use for the purpose for which they were prepared. Ownership of the underlying methodology and framework remains with RiskProtector.com.au.
You agree to use RiskProtector.com.au only for lawful purposes and in a manner that doesn’t infringe the rights of others or restrict or inhibit their use of the site. You must not use the site to transmit any unlawful, defamatory, threatening, abusive or otherwise objectionable content.
We may update, change or remove content from the website at any time without notice. We make no warranty that the website will be available continuously or that it will be free from errors or viruses.
Our website may contain links to external websites. Those links are provided for convenience only. We do not control external sites and are not responsible for their content, accuracy or privacy practices. Linking to an external site does not constitute an endorsement of that site or its content.
These Terms and Conditions are governed by the laws of Queensland, Australia. Any dispute arising in connection with these terms will be subject to the exclusive jurisdiction of the courts of Queensland, unless otherwise agreed in writing.
We may update these Terms and Conditions from time to time. The current version will always be available at riskprotector.com.au. Continued use of our website or services after any update constitutes acceptance of the updated terms. We recommend reviewing this page periodically.
If you have any questions about these Terms and Conditions, please contact us:
RiskProtector.com.au
contact@RiskProtector.com.au
Last updated: May 2026
