Ralfi Beta Terms of Use

1. Ralfi’s service

Ralfi provides workflow software for insurance brokers.

Depending on the customer’s configuration, Ralfi may help authorised users:

• Track renewals and open tasks.
• Organise information from connected systems.
• Prepare, schedule or send follow-up communications.
• Monitor responses from clients, insurers and other parties.
• Record communications and workflow activity.
• Surface matters requiring user attention.

Available features may depend on the customer’s plan, integrations and hosting region.

2. Beta service

Ralfi is currently provided as a beta service.

During the beta period:

• Features may be incomplete or contain errors.
• Features may be added, changed or removed.
• The service may occasionally be unavailable.
• Integrations may not always work as expected.
• Outputs may require correction or additional review.

We will use reasonable care in providing Ralfi.

Customers should not rely on Ralfi as their only diary, recordkeeping, compliance, backup or business-continuity system.

3. Accounts and authorised users

You must provide accurate account information and keep your login credentials secure.

Customers are responsible for:

• Managing authorised users and permissions.
• Activity performed through their accounts.
• Removing access when it is no longer required.
• Ensuring users comply with these Terms.
• Promptly notifying us of suspected unauthorised access.

You must have authority to accept these Terms on behalf of any organisation you register.

4. Connected systems

Customers may authorise Ralfi to connect with email accounts, communication tools, broking systems and other third-party services.

The customer confirms that it has the necessary rights and authority to:

• Connect those systems.
• Allow Ralfi to access and process relevant information.
• Authorise Ralfi to carry out configured actions.
• Provide required notices and obtain required permissions.

Third-party services are governed by their own terms and privacy practices.

Ralfi is not responsible for interruptions, restrictions, changes or data errors caused by a third-party service outside our reasonable control.

5. Customer responsibilities

Customers remain responsible for how Ralfi is configured and used within their organisation.

Customers must:

• Use Ralfi lawfully and responsibly.
• Hold any licences, authorisations, appointments and qualifications required for their activities.
• Maintain appropriate supervision and internal controls.
• Review important information before relying on it.
• Ensure communications are accurate, appropriate and authorised.
• Monitor replies and matters requiring professional judgement.
• Maintain appropriate records and backup processes.
• Correct inaccurate information when identified.
• Manage their own relationships with clients, insurers and other parties.

Customers must not use Ralfi to access information without authority, mislead another person, send unlawful communications or interfere with the platform.

6. Financial services and AFSL responsibilities

Ralfi provides software and administrative workflow support.

Ralfi is not an insurance broker, insurer, underwriting agency, authorised representative or financial adviser.

Ralfi does not independently:

• Recommend a particular insurance product.
• Decide whether a product is suitable for a client.
• Provide personal or general financial product advice.
• Make insurance-placement decisions.
• Bind, issue, vary or cancel insurance cover.
• Make claims or underwriting decisions.
• Replace the judgement of an appropriately authorised insurance professional.

Any regulated financial service provided through the customer’s business is provided by the customer or its appropriately licensed or authorised representatives, not by Ralfi.

Customers are responsible for ensuring that their use of Ralfi complies with their Australian Financial Services Licence, authorised representative arrangement and any other applicable regulatory requirements.

Nothing in these Terms appoints Ralfi as a representative of the customer or its Australian Financial Services Licensee.

7. Automated actions and communications

Ralfi may prepare, schedule or send communications based on customer instructions, settings and approved templates.

Communications sent through Ralfi are sent on the customer’s behalf.

The customer is responsible for:

• Selecting recipients.
• Configuring or approving message content.
• Setting appropriate timing and frequency.
• Ensuring communications are lawful and accurate.
• Monitoring responses.
• Handling matters that require advice, judgement or escalation.

Ralfi may pause or restrict automated activity where reasonably necessary to protect customers, recipients or the platform.

8. AI outputs and human review

Ralfi may use AI to identify possible tasks, organise information, summarise correspondence and prepare suggested content or actions.

AI outputs may be incomplete, inaccurate or based on limited context.

Customers must apply appropriate human review before relying on an output where an error could materially affect:

• A client.
• An insurer.
• Insurance coverage.
• A renewal or placement.
• A claim.
• A legal or regulatory obligation.
• A material business decision.

Ralfi does not guarantee that every email, deadline, renewal, task or issue will be identified.

9. Customer Data

Customers retain all rights they hold in Customer Data.

Customers grant Ralfi a limited right to host, access, process, organise, copy and transmit Customer Data only as reasonably necessary to provide, secure and support the service.

Customers confirm that they have a lawful basis and appropriate authority to provide Customer Data to Ralfi.

Ralfi does not use Customer Data to train general-purpose AI models.

Our handling of personal information is described in the Ralfi Privacy Policy.

10. Confidentiality

Each party may receive confidential information belonging to the other.

Each party agrees to:

• Protect the other party’s confidential information using reasonable care.
• Use it only for the purposes of the relationship.
• Disclose it only to people who need access and are subject to appropriate confidentiality obligations.

These obligations do not apply to information that:

• Is publicly available through no breach of these Terms.
• Was already lawfully known.
• Was independently developed.
• Was lawfully received from another source.
• Must be disclosed by law.

11. Security

Ralfi will maintain reasonable technical and organisational safeguards designed to protect Customer Data.

Customers remain responsible for securing their own devices, accounts, login credentials, networks, users and connected systems.

Each party must promptly notify the other after becoming aware of a security incident that materially affects the service or Customer Data.

12. Acceptable use

You must not:

• Use Ralfi for unlawful, fraudulent or deceptive activity.
• Access another customer’s information without authority.
• Upload malicious code.
• Attempt to bypass security controls.
• Interfere with the operation of the platform.
• Reverse engineer or copy Ralfi except where permitted by law.
• Use Ralfi or its outputs to develop or train a competing product.
• Infringe another person’s privacy or intellectual-property rights.
• Use outputs without appropriate review where an error could cause material harm.

We may suspend access where reasonably necessary to investigate misuse or protect customers and the platform.

13. Fees and subscriptions

Fees, subscription periods, included services and payment terms will be stated in the applicable proposal, order form or checkout page.

Unless otherwise agreed:

• Fees are exclusive of applicable taxes.
• Customers are responsible for charges authorised through their accounts.
• Beta or introductory pricing may not apply to future subscription periods.
• Future price changes will apply only after reasonable notice.
• Cancellation and refund arrangements will be set out in the applicable order form.

Nothing in these Terms limits any refund, cancellation or other right that cannot legally be excluded.

14. Intellectual property

Ralfi and its licensors own the platform, software, branding, documentation and associated intellectual property.

Customers receive a limited, non-exclusive and non-transferable right to use Ralfi for their internal business activities during the applicable subscription period.

Customers retain ownership of Customer Data.

Where a customer provides suggestions or product feedback, Ralfi may use that feedback to develop and improve the service without payment or restriction.

15. Service availability and changes

We may update or modify Ralfi as the product develops.

We may temporarily restrict access where reasonably necessary for maintenance, security, legal compliance or the prevention of misuse.

Where practical, we will provide reasonable notice of a change that materially reduces paid functionality.

If a material change significantly reduces the service purchased by a customer, the customer may end the affected subscription by giving notice.

16. Warranties

Ralfi will provide the service with reasonable care and skill.

Subject to rights that cannot legally be excluded, the beta service is provided on an “as available” basis.

We do not guarantee that:

• The service will always be uninterrupted or error-free.
• Every task, renewal or deadline will be identified.
• Every communication will be delivered.
• Every AI output will be accurate.
• Every third-party integration will remain available.
• Using Ralfi alone will satisfy the customer’s legal, licensing or compliance obligations.

Nothing in these Terms excludes any guarantee, warranty or other right that cannot lawfully be excluded.

17. Liability

To the maximum extent permitted by law:

• Neither party is liable for indirect or consequential loss, including lost profits, lost opportunities or reputational damage.
• Ralfi is not responsible for insurance recommendations, product selection, placement decisions, underwriting or claims decisions made by customers, insurers or other third parties.
• Ralfi is not responsible for actions taken without appropriate human review.
• Ralfi’s total liability arising from the service is limited to the fees paid or payable by the customer during the 12 months before the event giving rise to the claim.

These limitations do not apply to liability that cannot legally be limited or excluded.

Nothing in this section limits either party’s responsibility for fraud, wilful misconduct or infringement of the other party’s intellectual-property rights.

18. Suspension and termination

Either party may end the service in accordance with the applicable order form.

We may suspend or terminate access where:

• The customer materially breaches these Terms.
• Fees remain unpaid after reasonable notice.
• Use creates a material security, legal or privacy risk.
• Continuing to provide the service would be unlawful.
• The platform is used fraudulently or abusively.

Where reasonably possible, we will provide notice and an opportunity to address the issue before suspension or termination.

Following termination, customers may request an export of their Customer Data within the period stated in their order form.

Customer Data will then be handled in accordance with the Ralfi Privacy Policy and applicable law.

19. Changes to these Terms

We may update these Terms as Ralfi develops.

We will publish the updated version and provide reasonable notice of material changes.

A material change will not retrospectively alter an agreed fixed subscription period unless required by law or accepted by the customer.

20. Governing law and disputes

These Terms are governed by the laws of New South Wales, Australia.

The parties submit to the courts of New South Wales and applicable Commonwealth courts.

Before commencing formal proceedings, each party agrees to attempt to resolve the dispute through good-faith discussion.

Nothing in these Terms limits mandatory rights available under Australian or New Zealand law.

21. Contact

HEY WHAT’S NEXT PTY LTD trading as Ralfi
ABN 34 693 275 786 · ACN 693 275 786
Level 1, 63-73 Ann Street, Surry Hills NSW 2010
Email: hey@ralfi.io