Website Terms

These Website Terms govern your access to and use of the Truvro website.

By accessing or using this website, you agree to these Website Terms.

If you do not agree with these Website Terms, you should not use this website.

Truvro is an Australian fintech infrastructure company focused on post-event evidence readiness in regulated payment environments.

This website describes the problem, market context and information-quality burden that may arise when scam, fraud or disputed payment events are challenged.

Public materials are intentionally problem-led.

Truvro does not publicly disclose proprietary product architecture, implementation mechanics, workflow detail, technical methods, pilot methodology, pricing, revenue projections, customer names, bank names, regulator engagement details or patent-sensitive information through this website.

The content on this website is provided for general industry discussion and informational purposes only.

It is not:

• legal advice;
• regulatory advice;
• compliance advice;
• financial advice;
• investment advice;
• technical advice;
• procurement advice;
• operational risk advice;
• dispute-resolution advice;
• professional advice; or
• a recommendation to take or not take any particular action.

You should obtain appropriate professional advice before relying on any information on this website.

Truvro does not:

• determine compliance;
• determine liability;
• adjudicate disputes;
• make regulatory findings;
• provide legal advice;
• provide financial product advice;
• issue supervisory guidance;
• replace legal counsel;
• replace internal governance;
• replace regulators;
• replace dispute-resolution bodies;
• replace statutory processes;
• guarantee any legal, regulatory, operational, commercial or complaint outcome; or
• certify that any organisation has met any legal, regulatory, code or industry requirement.

Any reference to AFCA, ASIC, APRA, ACCC, AUSTRAC, OAIC, Treasury, the Banking Code of Practice, the Scams Prevention Framework, ASIC RG 271, APRA CPS 230, APRA CPS 234, FAR, AML/CTF obligations, privacy obligations or other laws, regulators, standards or frameworks is provided for general context only.

Truvro is not endorsed by, affiliated with, approved by or acting on behalf of any regulator, dispute-resolution body, industry association or government agency unless expressly stated in writing.

This website does not constitute:

• a product offer;
• a software licence;
• a service agreement;
• a pilot agreement;
• a design partner agreement;
• a procurement proposal;
• an implementation proposal;
• a contract to supply services;
• a representation that any product or service is available;
• a promise to provide access to technology;
• an investment offer; or
• a securities offering.

Any design partner, pilot, product, technical, commercial or confidential engagement would be subject to separate discussions, due diligence, suitability assessment, confidentiality arrangements and written agreement.

Truvro may invite expressions of interest from potential design partners.

Submitting a design partner enquiry does not create:

• a partnership;
• a customer relationship;
• a pilot arrangement;
• a supplier relationship;
• a procurement process;
• an exclusivity arrangement;
• a confidentiality obligation;
• a commercial agreement; or
• any obligation on Truvro to respond, proceed or provide access to further information.

Truvro may accept, decline, prioritise, pause or discontinue design partner discussions at its discretion.

This website may allow users to request:

• problem briefs;
• executive problem briefs;
• regulatory briefings;
• investor briefings;
• design partner discussions; or
• other materials.

Truvro may decide whether to provide requested materials or arrange a discussion.

Any briefing materials are provided for general industry discussion only and do not constitute legal, regulatory, compliance, technical, financial, investment, operational or procurement advice.

Truvro may update, withdraw or decline to provide briefing materials at any time.

Any investor-related content on this website is provided for general discussion only.

It does not constitute:

• an offer to sell securities;
• a solicitation of investment;
• financial product advice;
• investment advice;
• a fundraising document;
• a disclosure document;
• a recommendation to invest;
• a representation about future financial performance; or
• a guarantee of commercial opportunity, market size, revenue, profitability, valuation, exit potential or investment return.

Any investment discussion is subject to appropriate legal, corporate, financial and disclosure processes.

Forward-looking statements, market commentary, design partner references, commercial opportunity statements or market-size estimates are inherently uncertain and should not be relied on as guarantees or projections.

This website may refer to public reports, legislation, regulator materials, dispute-resolution information, industry codes, complaint statistics, enforcement matters, market estimates or third-party publications.

These references are provided for context only.

While Truvro aims to use reliable public sources, Truvro does not guarantee that all information is current, complete, accurate or suitable for your circumstances.

Figures, market estimates, regulatory references and public data points may change over time.

You should verify any information directly with the original source before relying on it.

References to third-party names, reports, laws, standards, regulators, agencies, industry bodies or frameworks are descriptive only and do not imply endorsement, approval, partnership or affiliation.

You use this website at your own risk.

You should not rely on website content as the basis for legal, regulatory, commercial, technical, operational, investment, procurement or governance decisions.

Truvro is not responsible for decisions made based on website content.

Unless otherwise stated, all content on this website is owned by or licensed to Truvro, including text, design, graphics, brand elements, logos, page structure, layout, visual presentation and other materials.

You may access and use this website for your internal informational purposes only.

You must not, without Truvro's prior written consent:

• copy, reproduce, republish, distribute or commercially exploit website content;
• modify or create derivative works from website content;
• use Truvro's name, logo, branding or trade indicia;
• scrape, crawl, harvest or systematically extract website content;
• use website content for competitive intelligence beyond ordinary review of public information;
• use website content to train, fine-tune, test or validate artificial intelligence or machine-learning systems;
• reverse engineer, infer or attempt to reconstruct Truvro's proprietary methods, product architecture, workflows, system design or technical implementation from public materials;
• remove proprietary notices; or
• use website content in a misleading, unlawful or reputationally harmful way.

Limited quotation for legitimate commentary is permitted where accurate, not misleading and properly attributed.

Do not submit confidential, sensitive, regulated or proprietary information through public website forms.

This includes:

• bank customer information;
• payment records;
• transaction data;
• account information;
• disputed payment case files;
• identity documents;
• legal advice;
• regulator correspondence;
• internal bank documents;
• confidential business information;
• commercially sensitive information;
• information subject to legal professional privilege;
• information subject to confidentiality obligations; or
• information you are not authorised to disclose.

Information submitted through public website forms will not be treated as confidential unless Truvro has entered into a separate written confidentiality agreement with you.

You must not use this website to:

• breach any law;
• infringe intellectual property rights;
• submit false, misleading, unlawful, confidential or unauthorised information;
• interfere with website operation, security or availability;
• attempt to gain unauthorised access to systems, accounts or data;
• upload malicious code or harmful material;
• scrape, crawl, harvest or systematically extract content except as permitted by law;
• impersonate another person or organisation;
• misrepresent your relationship with Truvro;
• send spam or unsolicited communications;
• use website content to mislead others about Truvro's activities; or
• use the website in a way that may damage Truvro, its systems, reputation, stakeholders or business interests.

Truvro may update, change, suspend, restrict or withdraw this website or any website content at any time without notice.

Truvro does not guarantee that the website will always be available, uninterrupted, secure, current or error-free.

Truvro may also change or remove forms, pages, briefings, CTAs, public statements, market references or other content at any time.

This website may contain links to third-party websites, reports, regulator pages, public materials, industry publications or social media platforms.

Third-party links are provided for convenience and context only.

Truvro does not control and is not responsible for third-party websites, content, availability, accuracy, security or privacy practices.

A link does not imply endorsement, approval, affiliation or partnership.

Truvro handles personal information in accordance with its Privacy Policy.

By using this website or submitting information through a form, you acknowledge that Truvro may collect, use and handle personal information in accordance with its Privacy Policy.

To the maximum extent permitted by law, Truvro excludes liability for any loss, damage, cost or expense arising from or connected with:

• use of this website;
• inability to use this website;
• reliance on website content;
• errors, omissions or outdated information;
• third-party links or third-party materials;
• security incidents or unauthorised access;
• website interruption or unavailability;
• form submissions;
• failure to receive or respond to an enquiry;
• decisions made based on website content; or
• any other matter connected with this website.

Nothing in these Website Terms excludes, restricts or modifies any right, guarantee, warranty or remedy that cannot be excluded, restricted or modified under applicable law.

You agree to indemnify Truvro against any loss, damage, liability, cost or expense arising from or connected with:

• your use of this website;
• your breach of these Website Terms;
• your submission of information you are not authorised to provide;
• your misuse of website content;
• your infringement of intellectual property rights;
• your unlawful, misleading or harmful conduct; or
• any claim arising from information you submit to Truvro through the website.

These Website Terms are governed by the laws of Queensland, Australia.

You submit to the non-exclusive jurisdiction of the courts of Queensland and the Commonwealth courts of Australia.

Truvro may update these Website Terms from time to time.

The updated version will be published on this page with a revised effective date.

Your continued use of the website after changes are published indicates your acceptance of the updated Website Terms.

For questions about these Website Terms, contact:

Truvro
Email: hello@truvro.com
Website: www.truvro.com