Terms of Service — Lumière AUSTRAC

Last updated: 14 June 2026 · Lumiere Property Intelligence Pty Ltd

These Terms are a legally binding agreement. By creating an account, subscribing, or using the platform, you agree to them. Please read them carefully. If you do not agree, do not use the platform.

1. Who we are

The Lumière AUSTRAC platform ("the Platform", "the Service") is operated by Lumiere Property Intelligence Pty Ltd ("we", "us", "our"). In these Terms, "you" and "your" refer to the person or business that registers for or uses the Service.

2. What the Platform is — and is not

The Platform is a software tool that helps Australian real estate businesses organise, perform and document activities relevant to their obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the AML/CTF Rules ("the AML/CTF laws").

The Platform is a tool, not advice. It does not provide legal, financial or compliance advice, and it does not guarantee that you comply with the AML/CTF laws or any other law. Responsibility for meeting your obligations rests solely with you as the reporting entity. The authoritative source for your obligations is AUSTRAC (austrac.gov.au). You should obtain advice from a qualified professional for your specific circumstances.

3. Your account

To use the Service you must create an account with accurate information and keep your login credentials secure. You are responsible for all activity under your account. You must notify us promptly of any unauthorised use. You must be authorised to act for the business you register, and you must be at least 18 years old.

4. Subscriptions, fees and billing

The Service is offered on subscription plans (currently Agency Solo and Agency Team) billed monthly in advance.
All prices are in Australian dollars and, unless stated otherwise, exclusive of GST, which is added where applicable.
Payments are processed by our payment provider, Stripe. By subscribing you authorise us (via Stripe) to charge your nominated payment method on a recurring basis until you cancel.
We may change our fees on reasonable notice. Changes do not affect the current paid period.

5. Cancellation and refunds

You may cancel your subscription at any time. On cancellation, your subscription remains active until the end of the current paid billing period, after which it will not renew and you will not be billed further.

No refunds. Fees already paid (including the current month) are non-refundable, except where a refund is required by the Australian Consumer Law or other applicable law. Cancelling stops future billing; it does not refund the current period.

6. Your data and your clients' data

You may input personal information about yourself, your staff and your customers (including identity and due-diligence information) into the Platform. You are responsible for ensuring you have the right to provide that information and for handling it in accordance with the law. Our handling of personal information is described in our Privacy Policy, which forms part of these Terms.

You retain ownership of the data you input. You grant us the limited rights needed to store, process and display that data to provide the Service. We do not sell your data.

7. Record keeping

The AML/CTF laws require you to keep certain records for at least seven years. While the Platform is designed to support record keeping, you remain responsible for ensuring your records are complete and retained as required. We recommend you regularly export and retain your own copies of your records. We are not liable for any loss of data, however caused, and provide no guarantee of uninterrupted availability.

8. Acceptable use

You agree not to misuse the Service, including: using it unlawfully; attempting to gain unauthorised access; interfering with its operation or security; reverse-engineering it; or using it to store unlawful content. We may suspend or terminate accounts that breach these Terms.

9. Availability and changes

We aim to keep the Service available but do not guarantee it will be uninterrupted or error-free. We may modify, suspend or discontinue features. We may update these Terms from time to time; material changes will be notified, and continued use after changes take effect constitutes acceptance.

10. Disclaimers and limitation of liability

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including as to accuracy, fitness for a particular purpose, or compliance outcomes.

Certain rights and guarantees under the Australian Consumer Law cannot be excluded. Nothing in these Terms excludes, restricts or modifies those rights. Where our liability can be limited, it is limited (at our option) to re-supplying the Service or paying the cost of re-supply.

To the extent permitted by law, we are not liable for any indirect, incidental or consequential loss, or for any penalty, enforcement action, fine, loss or damage arising from your compliance or non-compliance with the AML/CTF laws, or from your reliance on the Platform or its guide materials.

11. Indemnity

You agree to indemnify us against claims, losses and costs arising from your use of the Service in breach of these Terms or in breach of any law, including the AML/CTF laws and privacy laws.

12. Governing law

These Terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that State.

13. Contact

Questions about these Terms: admin@lumiereaustrac.com.au

This document is provided in good faith as the terms on which we offer the Service. It is not legal advice to you. We recommend you review it against your own circumstances.