AMLTranche2Training.com (FlowCheck) Terms of Use
These Terms of Use govern your access to and use of FlowCheck's AML/CTF compliance training courses, toolkit resources, and all related materials. By accessing or using our services, you agree to these terms.
1. Services & Scope
What Our Services Provide
• Training Courses: Education about Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) obligations under Australian law, including the Tranche 2 reforms.
• Compliance Toolkit: Templates, checklists, policies, and resources to support implementation of AML/CTF programs.
• Certificates of Completion: Digital certificates issued upon successful course completion.
• Compliance Toolkit: Templates, checklists, policies, and resources to support implementation of AML/CTF programs.
• Certificates of Completion: Digital certificates issued upon successful course completion.
What Our Services Do NOT Provide
• Legal advice or legal representation.
• Guarantees of your individual compliance with AML/CTF legislation.
• Protection from legal liability or AUSTRAC enforcement action.
• Registration as a reporting entity with AUSTRAC.
• Auditing or assurance services.
• Ongoing compliance monitoring.
• Guarantees of your individual compliance with AML/CTF legislation.
• Protection from legal liability or AUSTRAC enforcement action.
• Registration as a reporting entity with AUSTRAC.
• Auditing or assurance services.
• Ongoing compliance monitoring.
Completing our training, certification, or consulting services does not:
• Guarantee legal compliance speicifcally for your business.
• Protect you from AUSTRAC findings resulting in penalties or enforcement.
• Substitute for legal or professional advice specific to your situation.
• Replace your obligation to register with AUSTRAC as a reporting entity.
• Establish any duty of care from FlowCheck to you or your business.
• Guarantee legal compliance speicifcally for your business.
• Protect you from AUSTRAC findings resulting in penalties or enforcement.
• Substitute for legal or professional advice specific to your situation.
• Replace your obligation to register with AUSTRAC as a reporting entity.
• Establish any duty of care from FlowCheck to you or your business.
2. Your Responsibilities
As a User, You Are Responsible For:
• Application of Content: How you apply training content in your business, ensuring appropriateness for your specific circumstances.
• Professional Advice: Seeking legal, accounting, or compliance advice for your specific situation.
• Legal Compliance: Compliance with all applicable AML/CTF laws, including registration with AUSTRAC.
• Implementation Decisions: Any decisions or actions based on training content or toolkit materials.
• Currency Verification: Verifying that information remains current given legislative changes.
• Proper Use: Using materials only for their intended educational and implementation purposes.
• Application of Content: How you apply training content in your business, ensuring appropriateness for your specific circumstances.
• Professional Advice: Seeking legal, accounting, or compliance advice for your specific situation.
• Legal Compliance: Compliance with all applicable AML/CTF laws, including registration with AUSTRAC.
• Implementation Decisions: Any decisions or actions based on training content or toolkit materials.
• Currency Verification: Verifying that information remains current given legislative changes.
• Proper Use: Using materials only for their intended educational and implementation purposes.
Indemnification
You agree to indemnify, defend, and hold harmless FlowCheck, amltranche2training.com, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (i) your use of the Services; (ii) your violation of these Terms; (iii) your implementation decisions; or (iv) any third-party claims related to your AML/CTF compliance.
3. Licensing & Access
Individual Licenses
• Individual licenses grant access to one person only for twelve months from the date of purchase.
• Accounts are non-transferable.
• Sharing login credentials is prohibited.
• Accounts are non-transferable.
• Sharing login credentials is prohibited.
Bulk Licenses
• Bulk licenses permit access for the purchased number of users only.
• Each user must have their own individual access credentials.
• Exceeding purchased seats without authorization constitutes a breach of these terms.
• Each user must have their own individual access credentials.
• Exceeding purchased seats without authorization constitutes a breach of these terms.
Access Duration
• Access to purchased courses is provided for the period specified at purchase.
• FlowCheck reserves the right to modify access periods with reasonable notice.
• FlowCheck reserves the right to modify access periods with reasonable notice.
4. Intellectual Property
Ownership
All content, materials, courses, templates, guides, tools, and resources provided by FlowCheck are protected by copyright and other intellectual property laws. FlowCheck retains all ownership rights.
Your License to Use Materials
You are granted a limited, non-exclusive, non-transferable license to:
• Access and complete purchased training courses.
• Download and use provided templates and resources for internal business use only.
• Customize toolkit templates for your specific business needs.
• Access and complete purchased training courses.
• Download and use provided templates and resources for internal business use only.
• Customize toolkit templates for your specific business needs.
Restrictions
You may NOT:
• Reproduce, distribute, or sell FlowCheck materials.
• Create derivative training programs based on FlowCheck content.
• Remove copyright notices or attributions.Share access credentials with unauthorized users.
• Use materials to provide training or consulting services to third parties.
• Publicly share or post course content or proprietary materials.
• Reproduce, distribute, or sell FlowCheck materials.
• Create derivative training programs based on FlowCheck content.
• Remove copyright notices or attributions.Share access credentials with unauthorized users.
• Use materials to provide training or consulting services to third parties.
• Publicly share or post course content or proprietary materials.
Toolkit Templates Exception
Downloadable templates and resources may be customized for your internal business use. However, you may not redistribute templates as standalone products, provide them to clients as part of a consulting service, or claim them as your own creation.
5. Consulting Services Specific Terms
Payment Terms
• Payment is required at the time of purchase.
• Payment is processed securely via Stripe.
• Bulk discount pricing applies as specified.
• Payment is processed securely via Stripe.
• Bulk discount pricing applies as specified.
Refund Policy
Training Courses:
• Refunds are not available where the course content has been accessed.
• No refunds after course completion or certificate issuance.
• No refunds for user errors, changes in circumstances, or dissatisfaction with content.
• No refunds after course completion or certificate issuance.
• No refunds for user errors, changes in circumstances, or dissatisfaction with content.
How to Request a Refund:
Email support@amltranche2training.com with your name, email used for purchase, order reference, and reason for request. We will respond within 10 business days.
6. Disclaimers & Limitations of Liability
Educational Nature
FlowCheck provides educational training and resources. Our services are designed to inform and guide, but do not constitute:
• Legal advice or legal services.
• Guarantees of legal compliance.
• Insurance or indemnification.
• AUSTRAC registration or reporting services.
• Legal advice or legal services.
• Guarantees of legal compliance.
• Insurance or indemnification.
• AUSTRAC registration or reporting services.
AI & Content Risks
If Services include AI-generated content, recommendations, or assessments, such outputs may contain inaccuracies, biases, or omissions. FlowCheck does not endorse or guarantee the suitability of AI outputs for compliance safety decisions. You assume all risks from relying on such outputs, including potential emotional or workplace impacts. Training scenarios are for educational purposes only and may evoke strong reactions; seek professional support if needed.
No Warranty
Services are provided "as is" without warranties of any kind, express or implied, including but not limited to:
• Warranties of merchantability.
• Fitness for a particular purpose.
• Non-infringement.
• Accuracy, reliability, or completeness.
• Uninterrupted or error-free operation.
• Warranties of merchantability.
• Fitness for a particular purpose.
• Non-infringement.
• Accuracy, reliability, or completeness.
• Uninterrupted or error-free operation.
Limitation of Liability
To the maximum extent permitted by law:
• FlowCheck's total liability for any claim arising from these terms or use of services shall not exceed the amount paid by you in the 12 months before the claim arose.
• FlowCheck is not liable for indirect, incidental, consequential, special, or punitive damages.
• FlowCheck is not liable for AUSTRAC penalties, fines, investigations, or enforcement actions.
• FlowCheck is not responsible for your implementation decisions or outcomes.
• FlowCheck's total liability for any claim arising from these terms or use of services shall not exceed the amount paid by you in the 12 months before the claim arose.
• FlowCheck is not liable for indirect, incidental, consequential, special, or punitive damages.
• FlowCheck is not liable for AUSTRAC penalties, fines, investigations, or enforcement actions.
• FlowCheck is not responsible for your implementation decisions or outcomes.
Australian Consumer Law
If the Australian Consumer Law applies to you as a consumer, our liability is limited to (at our option): resupplying the services; or paying for the cost of resupplying the services.
Legislative Changes
AML/CTF laws and AUSTRAC guidance change over time. You are responsible for staying current with legislative developments. FlowCheck does not guarantee content reflects the most current law at all times.
7. Privacy & Data Protection
Data Collection
FlowCheck collects personal information including:
• Account registration information (name, email, business details).
• Course progress and completion data.
• Payment information (processed via Stripe).
• Account registration information (name, email, business details).
• Course progress and completion data.
• Payment information (processed via Stripe).
Use of Data
Your data is used to:
• Provide and improve services.Issue certificates and track completion.
• Process payments.
• Communicate about services.
• Provide and improve services.Issue certificates and track completion.
• Process payments.
• Communicate about services.
Aggregate Data Use
FlowCheck may use de-identified, aggregated data from user interactions (e.g., course completion trends, assessment results) to improve Services, develop new offerings, or create industry benchmarks. Such data will not identify you or your organization. If Services involve AI, your inputs and interactions may be used to train and fine-tune models, subject to our Privacy Policy.
Data Security
We implement reasonable security measures to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.
Full Privacy Policy
Please review our separate Privacy Policy below for complete information about data handling practices.
8. Certificates & Credentials
Certificate Issuance
• Certificates are issued upon successful course completion as specified.
• Certificates are digital and may be downloaded and printed.
• Certificates are digital and may be downloaded and printed.
Certificate Validity
• Certificates represent completion at the time of issuance.
• Certificate holders are responsible for maintaining current knowledge.
• Flowcheck may implement renewal requirements with reasonable notice.
• Certificate holders are responsible for maintaining current knowledge.
• Flowcheck may implement renewal requirements with reasonable notice.
Ownership
FlowCheck reserves the right to revoke certificates if:
• Access was obtained fraudulently.
• Terms of Use were violated.
• Credentials are misrepresented.
• Access was obtained fraudulently.
• Terms of Use were violated.
• Credentials are misrepresented.
10. Modifications to Services & Terms
Right to Modify
FlowCheck reserves the right to:
• Modify, update, or discontinue services with reasonable notice.
• Update course content to reflect regulatory changes or best practices.
• Revise these Terms of Use at any time.
• Adjust pricing for future purchases.
• Modify, update, or discontinue services with reasonable notice.
• Update course content to reflect regulatory changes or best practices.
• Revise these Terms of Use at any time.
• Adjust pricing for future purchases.
Notice of Changes
• Material changes to these Terms will be communicated via email or platform notice.
• Continued use after changes constitutes acceptance.
• If you disagree with changes, you may discontinue use.
• Continued use after changes constitutes acceptance.
• If you disagree with changes, you may discontinue use.
Course Updates
• Course content may be updated to reflect current legislation and standards.
• Users with active access will receive updated content.
• Previous versions may be archived or removed.
• Users with active access will receive updated content.
• Previous versions may be archived or removed.
11. User Conduct
Acceptable Use
You agree to:
• Provide accurate information.
• Use services for lawful purposes only.
• Maintain confidentiality of account credentials.
• Respect intellectual property rights.
• Provide accurate information.
• Use services for lawful purposes only.
• Maintain confidentiality of account credentials.
• Respect intellectual property rights.
Prohibited Activities
You may NOT:
• Share account access with unauthorized users.
• Use automated systems to access content (scraping, bots).
• Attempt to circumvent access controls or copy protections.
• Misrepresent completion or credentials.
• Use services to harass, defame, or harm others.
• Violate any applicable laws or regulations.
• Reverse engineer or extract proprietary content.
• Apply Services to support discrimination, harassment, or illegal activities.
• Share account access with unauthorized users.
• Use automated systems to access content (scraping, bots).
• Attempt to circumvent access controls or copy protections.
• Misrepresent completion or credentials.
• Use services to harass, defame, or harm others.
• Violate any applicable laws or regulations.
• Reverse engineer or extract proprietary content.
• Apply Services to support discrimination, harassment, or illegal activities.
Compliance with Laws
You must comply with all applicable regional laws. FlowCheck may monitor usage for compliance.
Consequences of Violation
Violations may result in:
• Immediate termination of access.
• Revocation of certificates.
• Legal action to protect ThriveDuty’s rights.
• No refund of fees paid.
• Immediate termination of access.
• Revocation of certificates.
• Legal action to protect ThriveDuty’s rights.
• No refund of fees paid.
12. Termination
Your Right to Terminate
You may terminate your account at any time by contacting ThriveDuty. Termination does not entitle you to a refund except as specified in the refund policy.
ThriveDuty's Right to Terminate
ThriveDuty may terminate or suspend your access immediately if:
• You breach these Terms of Use.
• You engage in fraudulent activity.
• You misuse services or materials.
• Required by law or regulatory authority.
• For business reasons with reasonable notice.
• You breach these Terms of Use.
• You engage in fraudulent activity.
• You misuse services or materials.
• Required by law or regulatory authority.
• For business reasons with reasonable notice.
Effect of Termination
Upon termination:
• Your access to services will cease.
• You must cease all use of ThriveDuty materials.
• Sections of these Terms that by nature should survive will remain in effect.
• No refund will be provided except as specified in the refund policy.
• Your access to services will cease.
• You must cease all use of ThriveDuty materials.
• Sections of these Terms that by nature should survive will remain in effect.
• No refund will be provided except as specified in the refund policy.
13. Dispute Resolution
Governing Law
These Terms are governed by the laws of the United Kingdom, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the courts of London, United Kingdom.
Dispute Resolution Process
Before initiating formal proceedings, parties agree to:
1. Provide written notice of the dispute.
2. Engage in good faith negotiations for 30 days.
3. Consider mediation if negotiations fail.
1. Provide written notice of the dispute.
2. Engage in good faith negotiations for 30 days.
3. Consider mediation if negotiations fail.
Arbitration
For claims under €10,000, the parties agree to binding arbitration under applicable law, with the seat of arbitration in London, UK, and conducted in English.
Limitation Period
Any claim must be brought within one year of the event giving rise to the claim.
Class Action Waiver
To the extent permitted by law, claims must be brought individually, not as part of a class action or collective proceeding. Upon termination, we delete your data within 30 days, except as required for legal retention.
13. General Provisions
Entire Agreement
These Terms, together with our Privacy Policy and any consulting agreement, constitute the entire agreement between you and FlowCheck.
Severability
If any provision is found invalid or unenforceable, the remaining provisions continue in full effect.
No Waiver
Failure to enforce any provision does not constitute a waiver of that provision.
Assignment
You may not assign these Terms. FlowCheck may assign these Terms to a successor entity.
Force Majeure
FlowCheck is not liable for delays or failures due to circumstances beyond reasonable control.
Independent Contractors
Nothing in these Terms creates an employment, partnership, or agency relationship.
Provisions regarding intellectual property, disclaimers, limitations of liability, and dispute resolution survive termination.
14. Contact Information
For questions about these Terms of Use:
ThriveDuty Email: support@amltranche2training.com
Website: www.amltranche2training.com
ThriveDuty Email: support@amltranche2training.com
Website: www.amltranche2training.com
Acknowledgment
By accessing or using ThriveDuty services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.
For Organizations: By purchasing organizational licenses or consulting services, you represent that you have authority to bind your organization to these terms.
For Organizations: By purchasing organizational licenses or consulting services, you represent that you have authority to bind your organization to these terms.
ThriveDuty Privacy Policy
Last Updated: 11 November 2025
Introduction
AMLtranche2training.com (FlowCheck) ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our AML/CTF compliance training courses, toolkit resources, and related services (collectively, the "Services") through our website at www.amltranche2training.com. By using our Services, you consent to the practices described in this Policy.
1. Information We Collect
We collect the following types of information:
Personal Information
• Account Registration: Name, email address, job title, business name, and contact details provided when creating an account or purchasing courses.
• Course Data: Progress, completion status, and certificate records.
• Payment Information: Billing details processed through our secure third-party payment provider (Stripe). We do not store full credit card details.
• Communications: Information you provide when contacting us via email or support forms.
• Account Registration: Name, email address, job title, business name, and contact details provided when creating an account or purchasing courses.
• Course Data: Progress, completion status, and certificate records.
• Payment Information: Billing details processed through our secure third-party payment provider (Stripe). We do not store full credit card details.
• Communications: Information you provide when contacting us via email or support forms.
Non-Personal Information
• Usage Data: IP address, browser type, device information, pages visited, and time spent on the platform collected via cookies or analytics tools.
• Aggregate Data: De-identified data from user interactions used to improve Services.
• Usage Data: IP address, browser type, device information, pages visited, and time spent on the platform collected via cookies or analytics tools.
• Aggregate Data: De-identified data from user interactions used to improve Services.
2. How We Use Your Information
We use your information to:
• Provide Services: Deliver training courses, issue certificates, and process payments.Track Progress:
• Monitor course completion to issue certificates and manage licensing.
• Improve Services: Analyze usage patterns to enhance content and user experience.Communicate:
• Send transactional emails (course access, payment confirmations), respond to inquiries, and provide updates about legislative changes affecting course content.
• Comply with Laws: Meet legal or regulatory obligations, such as tax reporting.
• Provide Services: Deliver training courses, issue certificates, and process payments.Track Progress:
• Monitor course completion to issue certificates and manage licensing.
• Improve Services: Analyze usage patterns to enhance content and user experience.Communicate:
• Send transactional emails (course access, payment confirmations), respond to inquiries, and provide updates about legislative changes affecting course content.
• Comply with Laws: Meet legal or regulatory obligations, such as tax reporting.
3. How We Share Your Information
We do not sell or rent your personal information. We may share it as follows:
• Service Providers: With trusted third parties (Stripe for payments, LMS software for course delivery, analytics tools) who assist in delivering
• Services, subject to confidentiality agreements.Legal Compliance:
• When required by law, court order, or regulatory authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.Aggregate Data: De-identified insights may be shared for research or reporting purposes.
• Service Providers: With trusted third parties (Stripe for payments, LMS software for course delivery, analytics tools) who assist in delivering
• Services, subject to confidentiality agreements.Legal Compliance:
• When required by law, court order, or regulatory authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.Aggregate Data: De-identified insights may be shared for research or reporting purposes.
4. Data Security
We implement reasonable technical and organizational measures to protect your information, including encryption, access controls, and secure servers. However, no system is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.
5. Your Data Protection Rights
Under the Privacy Act 1988 (Cth) and Australian Privacy Principles, you have the right to:
• Access: Request a copy of personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete personal information.
• Complaints: Lodge a complaint if you believe we have breached the Australian Privacy Principles.
To exercise these rights, contact us at support@amltranche2training.com. We will respond within a reasonable timeframe. If you are unsatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
• Access: Request a copy of personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete personal information.
• Complaints: Lodge a complaint if you believe we have breached the Australian Privacy Principles.
To exercise these rights, contact us at support@amltranche2training.com. We will respond within a reasonable timeframe. If you are unsatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
6. Cookies & Tracking
We may use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your browser settings. Non-essential cookies (e.g., for analytics or marketing) require your consent, which you can manage via our website’s cookie banner. Essential cookies for functionality do not require consent. You can adjust preferences anytime via browser settings or our banner.
We may use: (i) essential cookies for site functionality; (ii) analytics cookies (e.g., Google Analytics) for usage insights; and (iii) marketing cookies (e.g., via Kajabi) for personalized content. Non-essential cookies require consent via our banner.
We may use: (i) essential cookies for site functionality; (ii) analytics cookies (e.g., Google Analytics) for usage insights; and (iii) marketing cookies (e.g., via Kajabi) for personalized content. Non-essential cookies require consent via our banner.
7. International Data Transfers
If you access Services from outside the UK, your data may be transferred to servers in other jurisdictions (e.g., for hosting). We ensure such transfers comply with EU GDPR, using Standard Contractual Clauses or other safeguards where required.
8. Third-Party Links
Our Services may contain links to third-party websites (e.g., AUSTRAC, payment processors). We are not responsible for their privacy practices.
10. Children's Privacy
Our Services are not intended for individuals under 16. We do not knowingly collect personal information from children. If you believe we have such data, contact us to request deletion.
11. Changes to This Policy
We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of material changes via email or website notice. Continued use of Services after changes constitutes acceptance.
12. Contact Us
For questions or to exercise your data protection rights:
ThriveDuty Email: support@amltranche2training.com
Website: www.amltranche2training.com
ThriveDuty Email: support@amltranche2training.com
Website: www.amltranche2training.com