TERMS & CONDITIONS

Terms and Conditions.

The master subscription agreement that governs how you and your team use the Belira platform.

Version1.0
Effective30 April 2026
ABN52 696 900 553

Important notice

Please read these Terms and Conditions carefully. By registering for a Belira account, ticking the box during sign-up, accessing or using the Service, or otherwise indicating acceptance, you agree to be bound by these terms. If you accept on behalf of an entity, you warrant that you have authority to bind that entity. If you do not agree, do not register or use the Service.

These terms include important provisions about how we handle your data, our limited liability, and your obligations as a regulated participant in the Australian credit industry.

Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law.

1. About these terms

1.1
Parties. These Terms form a binding agreement between Belira Pty Ltd (ABN 52 696 900 553) (we, us, our or Belira) and the entity or person identified during account registration (you, your, Customer or End User — used interchangeably).
1.2
Service. Belira operates a multi-tenant software-as-a-service platform that helps Australian financial services and credit professionals automate document collection, lead capture, AI-assisted document data extraction, e-signing integration and workflow automation (the Service or the Platform).
1.3
Acceptance. You accept these Terms by registering for an account, by clicking an electronic acceptance control, or by accessing or using the Service.
1.4
Documentation. Our Privacy Policy, Acceptable Use Policy, applicable order forms and any in-product documentation are incorporated by reference. If there is any inconsistency, the order is: (a) order form; (b) these Terms; (c) Privacy Policy; (d) other documentation.
1.5
Updates. We may update these Terms from time to time. We will give you reasonable notice (at least 30 days) of any material change by email or in-product notice. Your continued use after the effective date of the updated Terms constitutes acceptance.

2. Definitions and interpretation

2.1
Definitions. In these Terms, capitalised terms have the following meanings:
  • ACL means the Australian Consumer Law in Schedule 2 of the Competition and Consumer Act 2010 (Cth).
  • AI Features means features of the Service that use machine learning or generative artificial intelligence to extract, summarise or otherwise process data.
  • Authorised User means an individual you authorise to access the Service under your account, including your employees, contractors and agents.
  • Borrower means a natural person whose information is collected, uploaded, processed or stored through the Service in connection with a credit application.
  • Borrower Data means any data, document or content (including Personal Information and Sensitive Information) relating to a Borrower that is uploaded to, generated within, or processed through the Service.
  • Confidential Information means non-public information disclosed by one party to the other that is identified as confidential or that a reasonable person would understand to be confidential.
  • Customer Data means all data uploaded by you, generated through your use of the Service, or otherwise provided to Belira in connection with your account, and includes Borrower Data.
  • Fees means the subscription, usage and other fees set out in the order form, your subscription plan or as published on our website from time to time.
  • GST has the meaning given in the A New Tax System (Goods and Services Tax) Act 1999 (Cth).
  • Insolvency Event means a party becoming insolvent, having a receiver, administrator or liquidator appointed, entering into a scheme of arrangement (other than for solvent reconstruction), or being unable to pay its debts as and when they fall due.
  • Intellectual Property Rights means all current and future copyright, trademark, design, patent, trade secret, know-how, database rights and any other intellectual or industrial property rights, whether registered or not.
  • NCCP means the National Consumer Credit Protection Act 2009 (Cth) and associated regulations.
  • Personal Information has the meaning given in the Privacy Act 1988 (Cth).
  • Privacy Act means the Privacy Act 1988 (Cth) and the Australian Privacy Principles set out in it.
  • Sensitive Information has the meaning given in the Privacy Act, and includes government-related identifiers such as driver’s licence, passport and Medicare card numbers.
  • Service Levels means the service availability commitments (if any) set out in an applicable order form.
  • Subscription Term means the period during which you are entitled to access the Service under an order form, including any renewal terms.
  • Tenant Database means the isolated PostgreSQL database provisioned for your organisation as part of our multi-tenant architecture.
  • Third-Party Service means a service operated by a third party that is integrated with or accessed through the Service, including AWS (Amazon Web Services), Annature (e-signing), and SMS or email delivery providers.
2.2
Interpretation. Headings are for convenience only. Singular includes plural and vice versa. References to legislation include amendments and replacements. References to a person include corporations and other legal entities. “Including” and similar terms are not words of limitation. All amounts are in Australian dollars unless otherwise stated.

3. The Service

3.1
Provision of Service. Subject to your compliance with these Terms and payment of Fees, we grant you a non-exclusive, non-transferable, non-sublicensable right during the Subscription Term to access and use the Service in Australia for your internal business purposes.
3.2
Authorised Users. You are responsible for the acts and omissions of your Authorised Users as if they were your own. You must ensure each Authorised User accepts and complies with these Terms.
3.3
Multi-tenant architecture. The Service is operated on a multi-tenant basis. Your organisation’s data is stored in a logically isolated Tenant Database within shared infrastructure hosted in the Asia Pacific (Sydney) region (ap-southeast-2) of Amazon Web Services.
3.4
Updates and changes. We may update, modify, enhance or discontinue features of the Service from time to time. We will not materially reduce the core functionality you subscribed to during a Subscription Term without notice. We may make changes for security, legal or operational reasons without prior notice.
3.5
Beta features. We may make beta, preview or experimental features available. Beta features are provided “as is”, are not subject to any service levels, may be discontinued at any time, and your use is at your own risk.
3.6
No reliance on third-party intermediaries. You acknowledge that the Service is a tool to assist you in performing your own functions as an Australian credit assistance provider (or other regulated capacity). It is not a substitute for professional judgement, regulatory compliance or independent verification.

4. Account registration and eligibility

4.1
Eligibility. To register, you must (a) be at least 18 years old; (b) be an Australian business with a current ABN; (c) have authority to bind the entity for which you register; and (d) where applicable, hold or be authorised under an Australian Credit Licence as required by the NCCP.
4.2
Accurate information. You must provide accurate, current and complete information during registration and keep it updated. We may suspend or terminate accounts where information is materially false or misleading.
4.3
Email verification and provisioning. Account creation requires email verification. After verification, your Tenant Database is provisioned automatically. Service availability during the provisioning period is on a reasonable-efforts basis and is not subject to any Service Level.
4.4
Credentials and security. You must keep account credentials confidential and secure. You are responsible for all activity under your account. You must notify us promptly at security@belira.com.au of any suspected unauthorised access. We strongly recommend enabling all available account security features.
4.5
Account suspension during dispute. We may suspend access where we reasonably suspect compromise, regulatory issues, breach of these Terms, non-payment, or activity that risks harm to the Service or other customers.

5. Fees, billing and taxes

5.1
Fees. You agree to pay the Fees set out in the applicable order form, your subscription plan or as published on our website. Fees are charged in advance for each billing cycle unless stated otherwise.
5.2
GST. Unless stated otherwise, Fees are exclusive of GST. If a supply under these Terms is a taxable supply, you must pay an additional amount equal to the GST payable. We will issue a tax invoice in the form required under GST law.
5.3
Payment method. Fees are payable by the payment methods we make available (which may include credit card, direct debit or invoice). You authorise us (and our payment processor) to charge your nominated payment method for all Fees due.
5.4
Late payment. If a payment is overdue by more than 14 days, we may (a) suspend your access to the Service; (b) charge interest at the Reserve Bank of Australia’s cash rate target plus 4% per annum, calculated daily; and (c) recover reasonable costs of collection.
5.5
Price changes. We may change Fees on at least 30 days’ notice, with changes taking effect at the start of your next renewal term. Beta or promotional pricing may end at the end of the relevant period.
5.6
No refunds. Except as required by the ACL or other non-excludable law, Fees are non-refundable. We do not refund partial billing cycles or unused portions of the Service.
5.7
Disputed amounts. You must notify us in writing of any disputed Fee within 30 days of the invoice date, otherwise the Fee is deemed accepted. Undisputed amounts must be paid in full.

6. Your obligations and acceptable use

6.1
General compliance. You must comply with all laws applicable to your use of the Service, including the Privacy Act, Spam Act 2003 (Cth), Do Not Call Register Act 2006 (Cth), the NCCP, ASIC Regulatory Guides applicable to your business, and any anti-money laundering and counter-terrorism financing obligations under the AML/CTF Act 2006 (Cth).
6.2
Acceptable use. You must not, and must not permit any person to:
  • use the Service to upload or transmit malware, viruses, or other malicious code;
  • attempt to gain unauthorised access to the Service, other tenants’ data, or the underlying infrastructure;
  • reverse engineer, decompile, copy or create derivative works of the Service except to the extent permitted by non-excludable law;
  • scrape, harvest or extract data using automated means other than the documented APIs;
  • use the Service to send unsolicited commercial electronic messages in breach of the Spam Act;
  • upload Borrower Data without an appropriate lawful basis under the Privacy Act and any required notices or consents;
  • use the Service for any unlawful, fraudulent, defamatory, harassing, infringing or harmful purpose;
  • resell, sublicense or otherwise commercially exploit the Service except as expressly permitted; or
  • attempt to circumvent any security measure, rate limit or usage cap.
6.3
Your role under credit law. You acknowledge that you (and not Belira) are responsible for your conduct as a credit assistance provider or other regulated participant. The Service does not provide credit assistance, financial advice, credit advice, legal advice or tax advice. You are responsible for the accuracy, completeness and lawful use of any data input to or output by the Service.
6.4
Borrower notices and consents. Where you collect Borrower Data through the Service (including via upload links, embeddable widgets, or directly from Borrowers), you warrant that you have:
  • provided each Borrower with an appropriate privacy collection notice that meets your obligations under Australian Privacy Principle 5;
  • obtained any consents required for the collection, use and disclosure of the Borrower Data, including for collecting Sensitive Information and government-related identifiers;
  • obtained Spam Act-compliant consent before sending any marketing communications via the Service; and
  • made each Borrower aware that their data will be processed by Belira on your behalf, and that AI features may be used to extract data from the documents they upload.
6.5
Notification of incidents. You must notify us promptly if you become aware of (a) any actual or suspected unauthorised access to or disclosure of Customer Data; (b) any complaint by a Borrower or other person about the handling of Personal Information through the Service; or (c) any regulatory investigation, notice or order relating to your use of the Service.

7. Customer Data and privacy

7.1
Ownership. As between you and Belira, you retain all right, title and interest in and to Customer Data. We do not claim ownership of Customer Data.
7.2
Limited licence to Belira. You grant us a non-exclusive, royalty-free, worldwide licence during the Subscription Term to host, copy, transmit, display, process and otherwise use Customer Data solely as necessary to provide, secure, maintain and improve the Service, comply with our legal obligations, and exercise our rights under these Terms.
7.3
Roles for privacy law. In relation to Borrower Data and other Personal Information of individuals you handle through the Service (including leads and contacts in your CRM):
  • you are the APP entity that determines the purposes for which the data is collected, used and disclosed;
  • we act as your service provider, processing the data on your instructions and as set out in our Privacy Policy and these Terms; and
  • you are responsible for ensuring your collection, use and disclosure of that data complies with the Privacy Act and any other applicable laws, including the issuance of privacy collection notices and the maintenance of your own privacy policy.
7.4
Belira’s direct privacy obligations. In relation to your account information (such as Authorised User names, business contact details and login credentials), Belira is itself an APP entity. We handle that information in accordance with our Privacy Policy.
7.5
Data location. Customer Data is hosted in the AWS Asia Pacific (Sydney) region (ap-southeast-2). Some processing functions, including AI extraction, may be performed in other AWS regions where the relevant model is available. We take reasonable steps to ensure that overseas processing complies with the Privacy Act and our Privacy Policy.
7.6
Data retention during the Subscription Term. We retain Customer Data while your subscription is active so that you can access and use it. You can export and delete data through Service controls.
7.7
Data export and deletion on termination. On termination or expiry, we will (a) make Customer Data available for export through the Service or by reasonable assistance for a period of at least 30 days; and (b) thereafter delete or de-identify Customer Data within a further 90 days, except (i) backup copies that will be deleted in the ordinary course; and (ii) data we are required to retain by law.

8. AI features and automated processing

8.1
Description. AI Features use AWS Bedrock-hosted foundation models (including Anthropic Claude and Amazon Nova) to extract structured data from identity documents (driver’s licence, passport, Medicare card, birth certificate) and financial documents (payslips, tax returns, bank statements), and to perform Australian payroll and tax calculations.
8.2
Outputs are advisory. AI extraction outputs are advisory only. They include per-field confidence scores and may contain errors, omissions or misclassifications. You are solely responsible for reviewing, validating and correcting AI outputs before relying on them or providing them to a Borrower, lender, regulator or other person.
8.3
Not professional advice. AI Features do not constitute credit assistance, financial advice, legal advice, tax advice or any other regulated advice. They are technical aids to data entry and verification only.
8.4
Model providers. AI Features are provided through AWS Bedrock. AWS does not store inputs or outputs in the foundation models, and inputs are not used to train any third-party foundation model. We do not use Customer Data to train our own AI models without your express consent.
8.5
Limitations. AI extraction quality depends on document image quality, layout, language and currency of the document. We make no warranty that AI Features will identify all relevant fields, will correctly classify document types, or will be free from bias or error.
8.6
Automated decision making. The Service does not make automated decisions producing legal effects (such as credit approval). All credit decisions and customer-facing determinations are made by you or your downstream lenders.

9. Third-Party Services

9.1
Integrated providers. The Service integrates with Third-Party Services including, without limitation, AWS, Annature (e-signing), and email and SMS delivery providers. Use of those services may be governed by separate terms imposed by the relevant provider.
9.2
Annature e-signing. Where you and your Borrowers use Annature-powered e-signing, the act of signing is governed by the Electronic Transactions Act 1999 (Cth) and equivalent state legislation. We provide the integration; Annature provides the underlying signing service. You are responsible for ensuring documents and signing flows are appropriate for the legal effect intended.
9.3
Pass-through limitations. Our liability in respect of any failure, outage or defect in a Third-Party Service is limited to passing through any rights and remedies we receive from the relevant provider. We are not liable for issues caused by Third-Party Services beyond our reasonable control.
9.4
Webhook deliveries. Some integrations rely on webhook deliveries (for example, signing status updates from Annature). Delivery is generally near-real-time but not guaranteed; you should not design business processes that rely on instantaneous delivery.

10. Intellectual property

10.1
Belira IP. We (and our licensors) own all Intellectual Property Rights in the Service, the Platform, our documentation, branding, the user interface, software, AI prompts and configurations, templates, default document requirements and all other materials we provide. Nothing in these Terms transfers any of those rights to you.
10.2
Customer Data. Subject to clause 7.2, you retain all rights in Customer Data. You warrant that you have all necessary rights to upload and use Customer Data through the Service.
10.3
Templates and configuration. Where you create custom templates, document requirements, workflows or merge templates within the Service, you retain ownership of those materials but grant Belira the licence in clause 7.2 to host and operate them on your behalf.
10.4
Feedback. If you provide feedback, suggestions or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free licence to use that feedback for any purpose, without obligation to you.
10.5
Branding. We may identify you as a customer and use your name and logo (in their unmodified form) on our website and marketing materials in a respectful manner. You may opt out at any time by writing to marketing@belira.com.au.

11. Confidentiality

11.1
Mutual obligation. Each party must (a) keep the other party’s Confidential Information confidential; (b) use it only to perform its obligations or exercise its rights under these Terms; and (c) protect it with at least the same degree of care it uses for its own confidential information of similar importance, and in any event no less than a reasonable standard of care.
11.2
Exceptions. The obligation does not apply to information that (a) is or becomes public other than by breach of these Terms; (b) was known to the receiving party before disclosure without confidentiality obligation; (c) is independently developed without use of the other party’s Confidential Information; (d) is lawfully received from a third party without restriction; or (e) is required to be disclosed by law, provided the receiving party gives reasonable notice (where lawful) so the other party can seek protective relief.
11.3
Survival. Confidentiality obligations survive termination of these Terms for five years, except for trade secrets, which remain confidential for as long as they retain that status under law.

12. Service availability and support

12.1
Reasonable endeavours. We use reasonable endeavours to make the Service available 24 hours a day, 7 days a week, except for scheduled maintenance and events outside our reasonable control. Unless we agree a Service Level in writing, we do not commit to a specific uptime percentage.
12.2
Maintenance. We will give reasonable notice of planned maintenance where practicable, and try to schedule it outside Australian business hours. Emergency maintenance may be performed without notice.
12.3
Support. Support is provided through the channels and during the hours described in your subscription plan or order form. We do not provide on-site support unless separately agreed.

13. Security

13.1
Our measures. We maintain technical and organisational measures designed to protect Customer Data against unauthorised access, alteration, disclosure or destruction, including:
  • encryption at rest using AES-256 for stored documents and AWS KMS for sensitive field-level encryption;
  • encryption in transit using TLS for connections to the Service;
  • logical isolation of each customer’s database (multi-tenant architecture);
  • JWT-based authentication signed via AWS KMS in production;
  • cross-tenant safety checks (claim-based JWT-to-tenant validation, fail-closed);
  • CSRF protection, IP and key-scoped rate limiting, and magic-byte file validation;
  • PIN-protected, time-limited (72-hour) borrower upload links with bcrypt-hashed PINs and lockouts on repeated failed attempts;
  • masking of sensitive data in operational logs;
  • access controls on personnel based on role and least privilege; and
  • regular review of our security posture.
13.2
Your obligations. You are responsible for the security of your account, including using strong unique passwords, securing access to devices used to access the Service, and ensuring upload links and PINs are not shared with unauthorised persons.
13.3
No absolute guarantee. No security measures are perfect. We do not warrant that the Service will be free from unauthorised access, but we will respond to incidents in accordance with our Privacy Policy and the Notifiable Data Breaches scheme under the Privacy Act.
13.4
Audit and reporting. On reasonable written request (no more than once every 12 months) and subject to confidentiality obligations, we will provide a summary of our security controls. We are not required to disclose information that would compromise our security or breach obligations to other customers.

14. Suspension

14.1
Grounds. We may suspend access to all or part of the Service if (a) you fail to pay an undisputed Fee that is overdue by more than 14 days; (b) you breach clauses 6, 7 or 13 in a manner that we reasonably consider material; (c) we reasonably believe your account has been compromised; (d) we reasonably believe continued use creates a security, legal, regulatory or reputational risk; or (e) we are required to do so by law or by direction of a regulator or court.
14.2
Notice. Where reasonable, we will give you advance notice and an opportunity to address the issue. In urgent cases (including security incidents) we may suspend immediately and notify you afterwards.
14.3
Continued obligations. Suspension does not relieve you of your obligation to pay Fees that accrued before the suspension.

15. Term and termination

15.1
Term. Your subscription begins on the start date of the order form (or the date your account becomes active, if no order form) and continues for the Subscription Term, unless terminated earlier in accordance with these Terms.
15.2
Renewal. Unless otherwise stated in your order form, your subscription will automatically renew for successive periods equal to the initial Subscription Term at our then-current Fees, unless either party gives at least 30 days’ notice of non-renewal before the end of the current term.
15.3
Termination by you for convenience. You may terminate your subscription at the end of the then-current Subscription Term by providing at least 30 days’ notice. Termination for convenience does not entitle you to a refund of pre-paid Fees, except as required by the ACL or other non-excludable law.
15.4
Termination for breach. Either party may terminate immediately by written notice if the other party (a) is in material breach of these Terms and fails to remedy the breach within 30 days of written notice; (b) commits a breach incapable of remedy; or (c) suffers an Insolvency Event.
15.5
Termination for legal or regulatory reasons. We may terminate immediately by written notice where we reasonably believe continued provision of the Service to you would breach any law, regulator direction or court order.
15.6
Effects of termination. On termination or expiry:
  • your access to the Service ends, except for read-only access to enable export during the period in clause 7.7;
  • any unpaid Fees up to the effective date of termination become immediately payable;
  • we will treat Customer Data in accordance with clause 7.7; and
  • clauses that by their nature should survive (including clauses 7, 10, 11, 16, 17, 18, 19, 21 and 22) survive termination.

16. Warranties and disclaimers

16.1
Mutual warranties. Each party warrants that it has the power and authority to enter into and perform these Terms, and that doing so does not breach any other obligation it has.
16.2
Belira warranty. We warrant that the Service will, in all material respects, perform substantially as described in our then-current documentation, and that we will perform our obligations with the reasonable skill and care expected of a professional cloud software provider.
16.3
Disclaimers. Subject to clause 16.4, all warranties, conditions, representations and guarantees of any kind, whether express or implied (including any implied warranty of merchantability, fitness for a particular purpose, accuracy or non-infringement) are excluded to the maximum extent permitted by law. Without limiting the foregoing, we do not warrant that:
  • the Service will be uninterrupted, error-free or completely secure;
  • AI Features will identify all relevant fields or be free from error;
  • any defect will be corrected; or
  • the Service will meet your particular requirements unless expressly agreed in writing.
16.4
ACL non-excludable rights. Nothing in these Terms excludes, restricts or modifies any consumer guarantee, condition, warranty, right or remedy that cannot be excluded under the ACL or any other applicable law. Where a consumer guarantee under the ACL applies and we breach it (other than as set out in clause 19), our liability is limited, at our option, to:
  • in the case of services, supplying the services again or paying the cost of having the services supplied again; and
  • in the case of goods, replacing the goods or supplying equivalent goods, repairing the goods, paying the cost of replacement or repair, or refunding the price.

17. Indemnities

17.1
Customer indemnity. You indemnify Belira, its officers, employees, contractors and affiliates against all loss, damage, cost (including reasonable legal costs on a solicitor-and-own-client basis) and liability arising out of or in connection with claims by third parties (including Borrowers and regulators) arising from:
  • your or your Authorised Users’ breach of clauses 6, 7.3 or 13.2;
  • your collection, use or disclosure of Borrower Data through the Service;
  • the inaccuracy or unlawfulness of Customer Data;
  • your provision of credit assistance or financial services using outputs of the Service;
  • your breach of the Privacy Act, NCCP, Spam Act, AML/CTF Act or other law; or
  • your fraud, wilful misconduct or negligence.
17.2
IP indemnity. We will defend you against any third-party claim that your authorised use of the Service infringes the Australian Intellectual Property Rights of that third party, and pay damages finally awarded against you by a court (or agreed in settlement). This indemnity does not apply where the claim arises from (a) Customer Data; (b) your breach of these Terms; (c) modifications made by you or on your behalf; or (d) combination of the Service with anything not provided by us.
17.3
Procedure. A party seeking indemnification must (a) promptly notify the indemnifying party of the claim; (b) give the indemnifying party reasonable control of the defence and settlement (provided no settlement materially adverse to the indemnified party is reached without consent); and (c) cooperate at the indemnifying party’s expense.

18. Limitation of liability

18.1
Application. This clause 18 applies to the maximum extent permitted by law and is subject to clause 16.4 and clause 19. It applies regardless of the cause of action (whether in contract, tort (including negligence), under statute or otherwise).
18.2
Exclusion of indirect loss. Neither party is liable to the other for any indirect, special, incidental, consequential or punitive loss, or for any loss of profits, revenue, anticipated savings, data (other than as set out in clauses 7.7 and 13), goodwill, business opportunity or business interruption.
18.3
Cap. Each party’s total aggregate liability under or in connection with these Terms in any 12-month period is limited to the Fees paid or payable by you to Belira in the 12 months immediately preceding the event giving rise to the claim.
18.4
Carve-outs. The cap in clause 18.3 does not apply to:
  • your obligation to pay Fees;
  • liability for fraud, wilful misconduct or breaches of confidentiality (clause 11);
  • your indemnification obligations under clause 17.1;
  • our IP indemnity obligation under clause 17.2; or
  • any liability that cannot be excluded or limited by law.
18.5
Mitigation. Each party must take reasonable steps to mitigate its loss.

19. Australian Consumer Law

19.1
ACL prevails. To the extent the ACL applies to the supply of the Service to you (including where the Service is acquired for an amount not exceeding $100,000 or for personal, domestic or household use), nothing in these Terms (and in particular nothing in clauses 16, 17 or 18) excludes, restricts or modifies any consumer guarantee, right or remedy under the ACL.
19.2
B2B exception. Where the Service is supplied for the purposes of resupply or for the purposes of a business, trade or profession (and falls outside the ACL’s consumer regime), the limitations in these Terms apply to the extent permitted by law.

20. Force majeure

20.1
Definition. A force majeure event is any event beyond a party’s reasonable control, including acts of God, war, terrorism, pandemic, government action, fire, flood, earthquake, sustained outage of public telecommunications or third-party hosting providers, denial-of-service attack or cyber-attack of unprecedented scale.
20.2
Suspension of obligations. Neither party is liable for failure to perform (other than payment of Fees due before the event) to the extent the failure results from a force majeure event. The affected party must give notice and use reasonable endeavours to mitigate.
20.3
Termination. If a force majeure event continues for more than 60 consecutive days, either party may terminate by written notice without liability (other than for accrued amounts).

21. Disputes

21.1
Notification. A party with a dispute under these Terms must give the other party written notice describing the dispute. The parties must use reasonable efforts to resolve it through good-faith discussions between senior representatives within 30 days.
21.2
Mediation. If unresolved, the parties must attempt mediation administered by the Resolution Institute (or another mutually agreed body) before commencing proceedings, except that nothing prevents a party from seeking urgent equitable or injunctive relief.
21.3
Costs. Each party bears its own costs of the dispute process, except that the costs of the mediator are shared equally unless the mediator orders otherwise.

22. General

22.1
Notices. Notices must be in writing and given (a) to you by email to the address on your account or by in-product notice; and (b) to us by email to legal@belira.com.au or by post to our registered office. Notices are effective on receipt (with email deemed received on the day sent unless an automated non-delivery message is received).
22.2
Assignment. You may not assign or novate your rights or obligations without our prior written consent (not to be unreasonably withheld). We may assign or novate to an affiliate or in connection with a merger, acquisition or sale of all or substantially all our assets, on notice to you.
22.3
Subcontracting. We may subcontract the performance of any obligation. We remain responsible for the acts and omissions of our subcontractors as if they were our own.
22.4
Entire agreement. These Terms (together with any order form, the Privacy Policy, Acceptable Use Policy and other incorporated documents) constitute the entire agreement between the parties on the subject matter and supersede all prior representations and agreements.
22.5
Severability. If any provision is held invalid or unenforceable, it is to be read down or severed to the minimum extent necessary, and the remainder continues in full force.
22.6
Variation. Variations must be in writing. Without limiting clause 1.5, no variation is effective unless agreed by both parties or made in accordance with these Terms.
22.7
Waiver. A waiver is only effective if given in writing. Failure or delay in exercising a right is not a waiver.
22.8
Relationship. Nothing in these Terms creates a partnership, joint venture, agency or employment relationship between the parties.
22.9
Counterparts and electronic execution. Where applicable, these Terms may be executed in counterparts, including by electronic signature, each of which is an original and together constitute one document.
22.10
Governing law. These Terms are governed by the laws in force in New South Wales, Australia. Each party submits to the exclusive jurisdiction of the courts of that state and the federal courts sitting in it (and courts hearing appeals from them), except for urgent equitable or injunctive relief.

23. How to contact us

For questions about these Terms, contact us at:

Belira Pty Ltd

Email: legal@belira.com.au

Privacy: privacy@belira.com.au

Security: security@belira.com.au

Address: BRUNSWICK VIC 3056

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