Terms of Engagement — AML/CFT

Version 1.12 · effective 2 September 2026

These are the terms for our AML/CFT annual report and compliance document service in New Zealand. Our Australian AML/CTF enrolment and program service is provided on the same commercial terms — the fees and payment structure in section 4 apply to it in the same way — but the regulatory detail below is New Zealand–specific, and the Australian specifics are confirmed to you in writing before work begins. They're written to be read, not skimmed past. If anything here doesn't suit you, say so before we start and we'll talk about it.

1. Who we are and what this is

Deplexify ("we", "us") provides a document preparation and filing service. We prepare your AML/CFT annual report, and where you've engaged us for it, your written risk assessment and AML/CFT programme. You review what we've prepared, you approve it, and we lodge it through the AML Online portal on your behalf.

Your business is supervised by the Department of Internal Affairs. That relationship is between you and them. We are not a party to it, and nothing here changes who is responsible for your compliance — see section 8.

2. What you get

For the fee in section 4, for one reporting period:

Annual Report Service

• A structured questionnaire, and a working session if you'd rather talk it through
• Preparation of your annual report from the answers you give us
• A currency check on your existing risk assessment — whether it still describes the business you actually run, and what's drifted
• The report put in front of you for review and approval before anything is lodged
• Lodgement through the AML Online portal once you've approved it
• A reminder calendar for next year's window
• Alerts when the rules that apply to your sector change
• Your questions about the report and the filing answered through the year

Everything in this list is included whether you pay yearly or monthly. The payment option you choose changes nothing about what we do.

Full Compliance Pack — everything above, plus:

• A written risk assessment prepared for your firm, your sectors and your client base
• An AML/CFT programme written to sit alongside that risk assessment
• A walk-through of both documents so the people who have to use them understand them

3. What isn't included

• We do not act as your AML/CFT compliance officer. That role sits with a person your firm appoints under section 56 of the Act — for a firm with employees, one of your own people. It is not a role we take on, and we won't be described as holding it.
• Customer due diligence on your own clients, ongoing monitoring, transaction screening, or any decision about whether to act for a particular client
• Preparing or lodging suspicious activity reports or prescribed transaction reports — those are yours to make and to judge
• Training your staff, beyond the walk-through in section 2
• Representing you in any dealing with your supervisor about an enquiry, a review or an enforcement matter
• Correcting or completing information you gave us that turns out to be wrong
• Next year's report, or a second reporting period — each is a separate engagement at the then-current fee, unless you are on the monthly option in section 4a, which carries on covering each year's report until you end it

3a. Independence — the one that catches people out

The same works in reverse: if you've engaged us only for the annual report and someone else wrote your programme, that doesn't make us your auditor either. We don't provide independent audits at all.

4. Fee and payment

Flat fees, launch pricing — confirmed to you in writing before any invoice issues, and held at the quoted figure for the engagement we quote for. We are not registered for GST, so no GST is charged and none is payable. The fees are:

• NZ$249 — Report Pack (New Zealand). One-off, self-serve: your formatted annual-report answers, the full working paper behind them, a click-by-click filing walkthrough, deadline reminders and email support while you file — generated from your questionnaire answers and delivered within one working day of payment. You file your own annual report. Covers whichever annual reporting window falls next: buy outside the 1 July – 31 August window and your materials arrive now, your answers stay on file, and your prepared answer sheet is generated when the window opens, at no further charge.
• NZ$595 — Compliance Pack (New Zealand). One-off, self-serve: everything in the Report Pack, plus your risk assessment, AML/CFT programme, gap analysis and compliance calendar generated for your firm, a compliance-officer starter kit, staff-training register, sector CDD checklists and SAR/PTR quick-reference, and twelve months of email support and regulatory-change alerts. You review your own documents and file your own annual report. The Report Pack components cover whichever annual reporting window falls next, on the same stored-answers basis as the Report Pack itself.
• NZ$995 — Done-with-you (New Zealand). One-off: everything in the Compliance Pack, reviewed and finalised with you, plus your next annual report — whichever filing window falls next — prepared and filed with you.
• Following years, by tier (New Zealand): repeat the Report Pack for NZ$249; keep Compliance Pack documents current — refreshed from a what's-changed questionnaire, with support and change alerts continuing — for NZ$349 per year (optional); or the ongoing done-with-you Annual Report Service at NZ$495 per year or NZ$49.95 per month on a twelve-month minimum term, which follows the done-with-you year or stands alone where your documents are already in order.
• AUD $249 — Report Readiness Pack (Australia). One-off, self-serve: what the annual compliance report will ask, the registers and records to keep so the answers accumulate through the reporting year, and deadline reminders — delivered within one working day of payment. Your answers stay on file, and your prepared answers are generated at no further charge when the reporting window opens (the first Tranche 2 window is July–September 2027). You review and file your own report.
• AUD $595 — AML/CTF Program Pack (Australia). One-off, self-serve: your ML/TF risk assessment and the AML/CTF policies built on it, for Tranche 2 reporting entities, with a gap analysis and a compliance calendar carrying your own derived dates — generated for your business from your questionnaire answers and delivered within one working day of payment. You review and adopt your own documents. Includes twelve months of email support and regulatory-change alerts, running from delivery. Covers the first annual compliance report: your answers stay on file, and the working paper behind your first annual compliance report is generated at no further charge when the first Tranche 2 reporting window opens (July–September 2027) — the same stored-answers basis as the Report Readiness Pack. You review and file your own report.
• AUD $995 — Done-with-you (Australia): everything in the Program Pack, reviewed and finalised with you in a working session — and your first annual compliance report prepared and filed with you when the first Tranche 2 reporting window opens (July–September 2027). After that first year, staying compliant is AUD $495 per year or AUD $49.95 per month on a twelve-month minimum term, on the same terms as the New Zealand ongoing service in section 4a.
• Legacy Australian offers — the AUD $395 Enrolment + Gap Check and the AUD $1,495 Full AML/CTF Program Pack — are honoured at those prices for anyone we quoted them to before 1 August 2026, on the terms they were quoted.
• £295 — AML Documents Pack (United Kingdom). One-off, self-serve, for HMRC-supervised businesses: your practice-wide risk assessment and your written policies, controls and procedures under the Money Laundering Regulations 2017, generated from your questionnaire answers and delivered within one working day of payment. You review and adopt your own documents.
• £495 — Done-with-you (United Kingdom): everything in the Documents Pack, reviewed and finalised with you.

• Annual Report Service (NZ$495 paid yearly) and AUSTRAC Enrolment + Gap Check (AUD $395). Nothing is payable when you engage us. We prepare your draft, you review it, and the invoice issues on your approval. Payment is due before we lodge, and lodgement happens after payment.
• Annual Report Service paid monthly (NZ$49.95). Payments run monthly on a twelve-month minimum term — see section 4a. Your report is still prepared, put in front of you and lodged only once you have approved it.
• Report Pack (NZ$249) and Compliance Pack (NZ$595). Payable up front. Everything is generated once payment clears and delivered within one working day. The fee is refundable in full until generation begins; once delivered it is not, because the work is done. Nothing about either pack is lodged by us — filing your annual report remains yours to do, with the working paper and walkthrough we deliver. On the Compliance Pack, "support" means help using what we've prepared — it is not legal advice, and the twelve months of support and alerts run from delivery.
• Report Readiness Pack (AUD $249), AML/CTF Program Pack (AUD $595) and AML Documents Pack (£295). Payable up front, by the payment link we send you. Everything is generated once payment clears and delivered within one working day — a preparation window, not an instant-generation promise. The fee is refundable in full until generation begins; once delivered it is not, because the work is done. Nothing about these packs is lodged or filed by us — that remains yours to do, with the documents we deliver. Where a pack carries support or alerts, those twelve months run from delivery, and "support" means help using what we've prepared rather than legal advice.
• Done-with-you (NZ$995, AUD $995 or £495) and the legacy Full AML/CTF Program Pack (AUD $1,495). 50% is payable to begin — NZ$497.50, AUD $497.50 or £247.50 on done-with-you (AUD $747.50 on the legacy pack), taken by card through the payment link we send you — because the risk assessment and the policies are substantial documents built from scratch. The remaining 50% is payable on your approval, before the final documents are delivered to you and before anything is lodged.
• Drafts remain ours until they are paid for. Every document we send you before payment is a draft, is watermarked DRAFT, and remains our property. On payment in full the final, unwatermarked documents are delivered and ownership of them passes to you. Nothing is lodged before payment.
• No hourly billing and no add-ons. The fee covers everything in section 2, including the back-and-forth to get your answers right.
• The fee is for the work described in section 2, not for a particular outcome.
• Engagements commencing within 14 days of a filing deadline, or requiring enrolment, historical remediation or catch-up work for prior periods, may attract an additional fee from NZ$500. We will always confirm any such fee in writing before starting work.
• If it turns out you aren't required to file at all, we'll tell you and there is nothing to pay — including a refund of any 50% start payment. We'd rather write the work off than invoice you for a report you didn't need.

4a. The monthly option on the Annual Report Service

The Annual Report Service can be paid NZ$495 once a year or NZ$49.95 a month. It is one service with two payment shapes. The monthly option does not buy anything extra and the yearly option does not leave anything out — section 2 is what you get either way.

• Twelve-month minimum term. The monthly option runs for at least twelve months from the month it starts. After that it continues month to month and covers each year's report as the window comes round, until you tell us to stop.
• Monthly costs more in total — twelve payments of NZ$49.95 is NZ$599.40 against NZ$495 paid once. That difference is the cost of spreading it, nothing else.
• Payments are taken monthly from the month you start. There is nothing to pay up front beyond the first month.
• Ending it inside the minimum term. If you stop before we have prepared your report, you pay for the months that have run and nothing further. If you stop after we have filed your report, the balance of the twelve months is payable — the work has already been done.
• You can move from monthly to a yearly payment at any time; we'll credit the months already paid in that term against the NZ$495.
• Cancelling after the minimum term takes 30 days' notice, in writing.

5. The deadline, and your part in it

• Get us your questionnaire answers by 15 August. That leaves time to draft, for you to read it properly, and to lodge with room to spare.
• You have 5 days to respond to any follow-up question from us during the window. They're usually one-liners.
• If we receive your answers after 15 August we'll still do everything we reasonably can to file on time, but we can't guarantee it, and a late or missed filing in that situation isn't something we're responsible for.
• If we can't file because you haven't approved the report, or haven't given us the portal access we need, the work we've done is complete as far as it can go. The draft stays ours, unpaid and unlodged, and any 50% start payment on a full pack is not returned.

We'll chase you, more than once, before any of that bites. Nothing goes quiet.

6. Refunds and cancellation

• Annual Report Service paid yearly / Enrolment + Gap Check. Nothing is paid up front, so there is nothing to refund. If you decide not to go ahead before you approve the draft, tell us and we close the file: you owe nothing, and the draft stays ours.
• Annual Report Service paid monthly. Section 4a governs it: stop before we've prepared your report and you pay only the months that have run; stop after we've filed it and the balance of the twelve-month term is payable. Months already paid are not refunded, because the service ran during them.
• The self-serve packs — Report Pack (NZ$249), Compliance Pack (NZ$595), Report Readiness Pack (AUD $249), AML/CTF Program Pack (AUD $595) and AML Documents Pack (£295). Refunded in full until generation begins; non-refundable once delivered — that's where the work sits.
• Done-with-you and full packs. The 50% start payment is refunded in full until we begin drafting. Once we've delivered a draft risk assessment or programme it is non-refundable — that's where the work sits. The balance only ever becomes payable on your approval.
• If you turn out not to be a reporting entity and don't have to file: nothing to pay, and any start payment refunded in full, whatever stage we're at.
• If we fail to lodge an approved report on time for reasons within our control, we refund what you have paid, in full.

7. Starting straight away

The window is short, so we start as soon as we have your answers — on the NZ$495 and AUD $395 services that is before any money changes hands. By accepting these terms you expressly ask us to begin immediately, and you accept the payment and refund position in sections 4 and 6: that a delivered draft is chargeable on your approval, and that a 50% start payment on a full pack stops being refundable once drafting has begun. If you'd rather we waited, tell us and we will.

8. Your responsibilities

• The information you give us must be true, complete and current. We prepare your report from what you tell us. We don't verify it, and we can't.
• You review and approve every document before it's lodged. The attestation in your annual report is yours. When you approve it you are confirming, as your firm, that what it says is accurate — so read it properly rather than clicking through it.
• We never lodge anything you haven't confirmed. If you haven't approved it, it doesn't get filed, whatever the date is.
• Your AML/CFT obligations remain entirely yours. Appointing a compliance officer, doing customer due diligence, keeping records, reporting suspicious activity, and having a current risk assessment and programme are your firm's responsibilities. Engaging us doesn't transfer any of them.
• You give us the portal access we need, and you don't change the credentials mid-engagement without telling us.
• You tell us promptly if anything material changes during the engagement — new services, new client types, a change of ownership, a supervisor enquiry.

9. Liability

• Our total liability to you, for anything arising out of this engagement, is limited to the fee you paid us.
• We're not liable for any penalty, enforcement action or supervisory consequence arising from information you gave us that was wrong or incomplete, or from a delay in giving it to us.
• We're not liable for lost profits, lost contracts or reputational loss, however they arise.
• Nothing here limits liability for death or personal injury caused by our negligence, for fraud, or for anything else that can't lawfully be limited — including your rights under the Consumer Guarantees Act 1993 where they apply.

10. Your information

• We collect and hold your firm's details and the answers you give us, in order to prepare and lodge your report. That's the only thing we use it for.
• We handle it under the Privacy Act 2020.
• We don't share it with anyone other than your supervisor as part of the filing itself, unless the law requires it.
• We keep your file for 7 years, so next year's report is easier and because you may need it, then delete it.
• You can ask for a copy of your file, or ask us to delete it, at any time: hello@deplexify.com.

11. Record of acceptance

When you tick the box on our intake form we record the version of these terms you accepted, the date and time, and the IP address it came from. That record is kept with your file. It exists so that if there's ever a disagreement about what was agreed, neither of us is relying on memory.

If we change these terms we publish a new version with a new number and date. The version you accepted is the one that governs your engagement.

12. General

• These terms are the whole agreement between us, and replace anything said beforehand.
• Either of us may end the engagement in writing; section 6 governs what happens to the fee.
• We may use subcontractors, and remain responsible for their work.
• This engagement is governed by New Zealand law.

Questions before you sign? Ask. We'd much rather answer now than argue later — hello@deplexify.com.