Clearwise – Terms of Use

Effective Date: 1 January 2026

These Terms of Use ("Terms") govern your access to and use of the Clearwise training platform, website, course materials, learning management system (LMS), videos, downloadable resources, and any related services (together, the Services) provided by Deleonas Pty Ltd (trading as Clearwise Training, we, us, our).

By creating an account, purchasing a course, accessing the LMS, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

1. Use of the Platform and Services

You agree to use the Services only for lawful purposes and in accordance with these Terms.

You must not:

  • breach any applicable laws or regulatory obligations
  • infringe our intellectual property rights or the rights of any third party
  • attempt to circumvent access controls, security, or licensing limits
  • access or use accounts or content you are not authorised to use
  • interfere with or disrupt the operation of the platform, servers, or networks
  • use any automated system, bot, scraper, crawler, or AI model to extract, reproduce, or analyse content without our written permission
  • reverse engineer, decompile, or attempt to derive source code from any part of the Services

We may suspend or terminate access to the Services for breach of these Terms.

2. Accounts, Access and User Responsibilities

To access the LMS or specific course modules, you may be required to create an account.

You agree to:

  • provide accurate and complete registration information
  • maintain the confidentiality of your login credentials
  • notify us promptly of any unauthorised access or suspected security breach
  • ensure each authorised user has their own login credentials

You are responsible for all activity conducted under your account, including actions taken by individuals using your credentials.

Enterprise or team licences must restrict access to authorised personnel only. Shared logins are prohibited.

3. Training Content, Regulatory Coverage and CPD

Clearwise provides professional compliance training, including modules relating to AFSL obligations, governance structures, Responsible Manager duties, ASIC Regulatory Guides (including RG 78, RG 105 and RG 271), quizzes, videos, templates and other educational resources.

The content:

  • is provided for general professional development purposes only
  • may contribute to continuing professional development (CPD) outcomes based on standard industry metrics
  • does not constitute legal, financial, regulatory, compliance or professional advice
  • does not take into account your objectives, regulatory permissions, licence conditions, organisational structure or specific circumstances
  • is not a substitute for independent professional advice or regulatory review

Completion of any course or module does not:

  • guarantee regulatory compliance
  • ensure satisfaction of ASIC organisational competence requirements
  • ensure satisfaction of Responsible Manager competence requirements under RG 105
  • constitute accreditation or certification by any regulator
  • constitute nationally recognised training

Clearwise is not a registered training organisation (RTO) and does not issue nationally recognised qualifications.

Regulatory guidance and industry expectations may change over time. We do not guarantee that content reflects the most current regulatory developments at all times.

You are responsible for assessing whether the Services are suitable for your needs.

4. Intellectual Property and Licence

All course content, videos, text, graphics, scripts, templates, tools, avatars, branding, and other materials are owned by Clearwise or our licensors, including technology and content partners.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for your personal or internal business training purposes only.

You may:

  • view course content via the LMS
  • download or print templates, checklists and worksheets for internal use
  • use materials for internal training within your organisation (where permitted under your licence)

You may not:

  • reproduce, distribute, sublicense, publish, or commercialise the content
  • share course files, videos, templates, or LMS access externally
  • create derivative works or competing training products based on our content
  • remove copyright notices, branding, or proprietary markings
  • provide access to unauthorised individuals
  • use the content to train AI models or automated systems without permission

All rights not expressly granted are reserved.

5. Payment, Billing and Access

Courses and Services may be sold as either one-off purchases or subscriptions.

All prices are in Australian dollars (AUD) and are exclusive of GST unless stated otherwise.

Fees must be paid in full in order to obtain access to paid Services.

One-off Purchases

Where a course or Service is purchased on a one-off basis:

  • payment is required upfront
  • access is granted once payment is successfully processed
  • access rights are personal and non-transferable
  • fees are non-refundable except where required by law

Unless otherwise stated at the time of purchase, one-off purchases provide access for the period the course or Service is made available by Clearwise.

We do not guarantee that any course or the platform will remain available indefinitely.

We may update, modify, replace, or remove course content at any time.

Subscriptions

Where a Service is provided on a subscription basis:

  • subscriptions may be billed monthly or annually
  • subscriptions automatically renew unless cancelled prior to the renewal date
  • subscriptions may be cancelled at any time through your account or by contacting support
  • cancellation takes effect at the end of the current billing period
  • fees are non-refundable for partial billing periods except where required by law

We may change subscription pricing on renewal by providing reasonable notice.

Access may be suspended for non-payment.

For enterprise plans, the primary account holder is responsible for user management and payment obligations.

Access Duration and Discontinuation

Access to courses and Services is provided for the period the course or Service is made available by Clearwise.

We do not guarantee that any course or Service will remain available indefinitely.

We may discontinue or replace courses, features, or the platform at any time as part of normal business operations.

Where reasonably practicable, we will provide advance notice of material discontinuation.

Where a course or Service is discontinued within a commercially reasonable period after purchase, we may, at our discretion:

  • provide continued access for a limited period
  • provide access to downloadable or alternative materials
  • provide access to updated or replacement content
  • provide a partial refund

Nothing in this section limits any rights you may have under the Australian Consumer Law.

6. No Legal, Financial or Regulatory Advice

Clearwise provides educational content only.

We:

  • are not a law firm
  • are not a licensed advisory service
  • do not provide legal, financial, compliance or regulatory advice
  • are not endorsed by, affiliated with, or acting on behalf of ASIC or any regulator

You must not rely on the Services as a substitute for obtaining professional advice tailored to your AFSL authorisations, licence conditions or regulatory obligations.

You should obtain independent professional advice before making compliance or regulatory decisions.

7. Service Availability and Disclaimers

To the fullest extent permitted by law, the Services are provided on an "as is" and "as available" basis.

We do not warrant that:

  • the content is complete, accurate, or current
  • the Services will operate continuously or without interruption
  • the LMS will be free from errors or technical issues
  • completion of training ensures regulatory compliance
  • CPD estimates will be recognised by all professional bodies or licensees
  • any particular course or module will remain available indefinitely

We may update, modify, replace or remove content at any time without notice.

Use of the Services is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law, Clearwise excludes all liability for any loss arising from your use of the Services, including:

  • loss of business, revenue or profits
  • regulatory action or enforcement outcomes
  • reliance on course content without obtaining professional advice
  • loss of anticipated savings
  • loss of data
  • business interruption
  • reputational damage
  • unauthorised access to accounts
  • technical failures, downtime or service interruptions

Where liability cannot be excluded under the Australian Consumer Law, our liability is limited to:

  • re-supplying the affected Services, or
  • paying the cost of re-supplying the affected Services, or
  • providing a refund equal to the amount paid for the affected portion of the Services

Our total aggregate liability arising from the Services is limited to the total amount paid by you for the Services in the 12 months preceding the event giving rise to the claim.

9. Indemnity

You agree to indemnify and hold harmless Clearwise and its officers, employees and contractors from any claim, loss, damage, liability or expense arising from:

  • your breach of these Terms
  • misuse of the Services
  • reliance on the Services in circumstances where professional advice should have been obtained
  • your breach of applicable laws or regulatory obligations
  • use of the Services by any person accessing the Services using your account credentials

10. Privacy

Your use of the Services is subject to our Privacy Policy, which explains how we collect, use, store and protect personal information.

By using the Services, you consent to the handling of your information as described in the Privacy Policy.

11. Suspension, Termination and Changes to Services

We may suspend or terminate access to the Services:

  • where you breach these Terms
  • where payment is overdue
  • where required for security or maintenance purposes
  • where we reasonably consider it necessary to protect the integrity of the platform
  • upon reasonable notice where we discontinue a Service offering

We may modify or discontinue any part of the Services at any time.

12. Updates to Terms

We may update these Terms from time to time.

Changes take effect when published on this page.

Where changes are material, we may provide notice via email or LMS notification.

If you do not agree to updated Terms, you must stop using the Services.

Your continued use of the Services constitutes acceptance of the updated Terms.

13. Entire Agreement

These Terms constitute the entire agreement between you and Clearwise regarding the Services and supersede any prior agreements, representations or understandings.

14. Governing Law

These Terms are governed by the laws of Victoria, Australia.

Each party submits to the exclusive jurisdiction of the courts of Victoria.

15. Contact

For questions regarding these Terms or the Services, please contact us via the contact form on our website.