Terms of Use

Last updated: 22 April 2026

Welcome to the website of Tedesen Pty Ltd trading as Innovation of Risk (ABN 24 150 657 891) (“Innovation of Risk”, “we”, “us”, “our”).

These Terms of Use govern your access to and use of our website, including any online self-assessment tools, subscription services, reports, downloads, resources, AI-enabled features, and related services made available through the website (together, the “Services”).

By accessing or using our website or Services, you agree to be bound by these Terms of Use. If you do not agree, you must not access or use the website or Services.

1. Use of the Website

You may use this website and the Services only for lawful purposes and in accordance with these Terms of Use.

You agree not to:

  • use the website in any way that breaches any applicable law or regulation;
  • misuse, disrupt, interfere with, or attempt to gain unauthorised access to the website, its systems, networks, or data;
  • copy, scrape, reproduce, republish, upload, post, transmit, or distribute website content except as expressly permitted by these Terms of Use;
  • use the Services to create a competing product or service;
  • upload or submit material that is unlawful, misleading, defamatory, harmful, infringing, or otherwise inappropriate; or
  • introduce viruses, malicious code, or other harmful material into the website or Services.

We may suspend, restrict, or terminate access to the website or Services at any time where we reasonably consider it necessary to protect the website, our intellectual property, other users, or our business interests.

2. Nature of the Services

Our website may provide access to self-assessment tools, maturity assessments, scoring outputs, reports, summaries, subscription-based content, and AI-enabled insights or prompts in areas such as risk, governance, compliance, operational resilience, and related matters.

These Services are intended to support internal reflection, discussion, planning, and general information purposes only. They are designed to assist users to identify possible focus areas, maturity themes, and uplift considerations.

The Services are not tailored to your specific circumstances unless expressly stated otherwise in a separate written agreement.

3. No Advice

The content on this website, including any self-assessment output, report, score, commentary, AI-generated content, downloadable material, or related information, is provided on a general information basis only.

It is not legal advice, regulatory advice, compliance advice, audit advice, accounting advice, financial advice, risk advice, or any other professional advice.

Your use of the website or Services does not create a consultant-client, adviser-client, fiduciary, legal, audit, or professional services relationship between you and us.

You are responsible for assessing whether any content, output, or information is appropriate for your circumstances. You must use your own judgement and obtain independent professional advice where needed before making any decision, taking any action, or adopting any compliance, governance, risk management, operational, or business position.

We do not warrant or represent that use of the website or Services will:

  • ensure compliance with any law, regulation, prudential standard, or regulatory expectation;
  • identify all risks, weaknesses, gaps, controls, or obligations;
  • be suitable for your entity, industry, regulatory status, or operating model; or
  • lead to any particular business, compliance, assurance, audit, governance, or regulatory outcome.

4. AI-Generated Outputs

Some parts of the Services may include AI-generated outputs provided using ChatGPT or related AI-enabled functionality.

Those outputs are generated automatically based on the inputs provided and system processes. AI-generated outputs may be incomplete, inaccurate, generic, out of date, or unsuitable for your circumstances.

Innovation of Risk does not guarantee the accuracy, completeness, reliability, suitability, quality, or usefulness of any AI-generated output, including any suggestions, commentary, observations, or other material produced through ChatGPT or related tools.

AI-generated outputs are provided for general informational purposes only and must not be relied on as the sole basis for any decision, action, compliance position, governance outcome, or risk management response.

5. User Responsibility for Inputs and Decisions

You are solely responsible for:

  • the completeness, accuracy, and appropriateness of any information, scores, comments, assumptions, or inputs entered into the Services;
  • checking the outputs generated by the Services;
  • how you interpret and use any output, report, suggestion, insight, or score; and
  • any decision, action, omission, or implementation step taken by you or your organisation arising from the use of the website or Services.

Outputs generated by the Services depend on the information entered by users. Incomplete, inaccurate, subjective, or inconsistent inputs may materially affect results.

6. Intellectual Property

Unless otherwise stated, all intellectual property rights in the website and Services, including the design, layout, branding, text, graphics, assessment structures, methodology, scoring models, reports, software, code, downloadable content, and underlying materials, are owned by or licensed to us.

Your use of the website does not transfer any intellectual property rights to you.

You must not, without our prior written consent:

  • reproduce, modify, adapt, translate, publish, distribute, sell, licence, frame, mirror, or commercially exploit any part of the website or Services;
  • copy or reuse our assessment content, question sets, scoring models, report formats, website text, graphics, or outputs for resale or external distribution;
  • remove, alter, or obscure any copyright, trade mark, attribution, or proprietary notices; or
  • reverse engineer, decompile, disassemble, or otherwise attempt to derive source code, structure, or methodology from the Services, except to the extent such restriction cannot lawfully be excluded.

7. Permitted Uses

Subject to these Terms of Use, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the website and Services for your own internal business or personal use.

You may:

  • access and complete assessments for your internal use;
  • download or print reports generated for your own internal review and discussion; and
  • share outputs internally within your organisation for legitimate business purposes.

You may not, without our prior written consent:

  • resell, sublicence, or commercialise the website, Services, or outputs;
  • provide access to third parties on a bureau, outsourced, service-provider, or white-label basis;
  • use the content or outputs to build or train another product, dataset, or model; or
  • reproduce assessment questions, methodology, or outputs for publication, redistribution, or market-facing use.

8. Content Protection

All content on the website is protected by applicable intellectual property, copyright, trade mark, and other laws.

You must not copy, reproduce, repurpose, scrape, capture, or distribute substantial parts of the website or Services, including assessment questions, structure, wording, scoring logic, reports, visuals, or generated content, except as expressly permitted under these Terms of Use.

We reserve the right to take action in relation to any unauthorised use of our content or Services.

9. Subscriptions and Payments

Some Services may be made available on a paid subscription basis.

By purchasing a subscription, you agree to pay all fees specified at the time of purchase and any applicable taxes. You are responsible for ensuring that your payment details are current and valid.

Unless otherwise stated:

  • subscription fees are payable in advance;
  • subscriptions renew in accordance with the terms presented at the time of purchase;
  • we may change pricing or subscription inclusions from time to time, with changes applying prospectively; and
  • fees paid are non-refundable except as required by law or as expressly stated by us.

We may suspend or cancel access to subscription Services where payment is overdue, reversed, disputed, or otherwise not successfully received.

Nothing in these Terms of Use excludes any rights you may have under the Australian Consumer Law.

10. Availability and Changes

We may update, modify, suspend, withdraw, or discontinue any part of the website or Services at any time without notice.

We do not guarantee that the website or Services will always be available, uninterrupted, secure, error-free, or free from defects, viruses, or other harmful components.

From time to time, the website may contain typographical errors, inaccuracies, omissions, or outdated material. We may correct, amend, or update content at any time without notice.

11. Third-Party Services and Links

The website or Services may interact with or refer to third-party services, plugins, AI tools, payment processors, email systems, file generation tools, hosting platforms, or external websites.

To the extent permitted by law, we are not responsible for:

  • the availability, security, or performance of third-party services;
  • the content, policies, or practices of third-party websites; or
  • any loss or damage arising from your use of or reliance on third-party systems or services.

Your use of third-party services may also be subject to separate terms and privacy policies imposed by those providers.

12. Privacy and Data Handling

Your use of the website is also subject to our Privacy Policy.

You are responsible for ensuring that any information you enter into the website or Services is lawful for you to provide and does not breach any confidentiality, privacy, employment, contractual, or legal obligation.

You should not enter sensitive, personal, confidential, or regulated information into the Services unless you are satisfied that doing so is lawful, appropriate, and consistent with your own internal requirements and obligations.

13. Disclaimers

To the maximum extent permitted by law, the website and Services are provided on an “as is” and “as available” basis.

We make no representation or warranty, express or implied, regarding:

  • accuracy, completeness, reliability, timeliness, or suitability of the website or Services;
  • fitness for a particular purpose;
  • merchantability;
  • non-infringement;
  • uninterrupted or error-free operation;
  • the security of the website or Services; or
  • the achievement of any outcome, result, uplift, compliance position, or business benefit.

Any reliance you place on the website or Services is entirely at your own risk.

14. Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for any loss, damage, cost, or expense arising out of or in connection with your access to, use of, or inability to use the website or Services.

Without limitation, we are not liable for any:

  • direct or indirect loss;
  • consequential loss;
  • loss of profits;
  • loss of revenue;
  • loss of opportunity;
  • loss of business;
  • loss of goodwill;
  • regulatory exposure;
  • compliance failure;
  • business interruption;
  • loss or corruption of data; or
  • decision, action, or omission taken in reliance on the website, Services, or any output.

This exclusion applies whether the claim arises in contract, tort (including negligence), equity, statute, or otherwise.

Where any law implies a guarantee, condition, or warranty that cannot lawfully be excluded, our liability is limited, to the maximum extent permitted by law, to the resupply of the relevant Services or the cost of having the Services supplied again.

15. No Liability for Outcomes or User Actions

You acknowledge and agree that:

  • the Services are tools only;
  • you remain solely responsible for your own decisions, actions, implementation steps, and outcomes;
  • we are not liable for the consequences of any action taken, or not taken, by you or any third party based on use of the website or Services; and
  • we are not responsible for any internal governance, compliance, risk, operational, assurance, employment, technology, or business outcome arising from your use of the website or Services.

16. Indemnity

You agree to indemnify and hold harmless Tedesen Pty Ltd trading as Innovation of Risk, and our officers, employees, contractors, and affiliates, from and against any claim, loss, liability, damage, cost, or expense (including reasonable legal costs) arising out of or in connection with:

  • your use of the website or Services;
  • your breach of these Terms of Use;
  • your misuse of any output, report, content, or generated material;
  • any information or material you submit through the website;
  • any infringement by you of the rights of another person; or
  • any decision, action, claim, or dispute arising from your reliance on or use of the website or Services.

17. Breach and Termination

If you breach these Terms of Use, we may take such action as we reasonably consider appropriate, including suspending or terminating your access to the website or Services, blocking access from particular IP addresses, or pursuing legal remedies.

Any clauses which by their nature should continue after termination will survive termination, including clauses relating to intellectual property, disclaimers, limitation of liability, indemnity, payments, and governing law.

18. General Terms

These Terms of Use constitute the entire agreement between you and us in relation to your use of the website and Services, unless a separate written agreement applies.

If any provision of these Terms of Use is held to be invalid, unlawful, or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.

Our failure to enforce a right or provision under these Terms of Use does not constitute a waiver of that right or provision.

We may update these Terms of Use from time to time. The updated version will apply from the date it is published on the website.

19. Governing Law

These Terms of Use are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland and any courts entitled to hear appeals from those courts.

20. Contact Us

If you have any questions about these Terms of Use, please contact:

Tedesen Pty Ltd trading as Innovation of Risk
ABN: 24 150 657 891
Email: admin@innovationofrisk.com