Terms of Service

Plan Ahead Co — Self-Guided Personal Affairs Plan. At Plan Ahead Co, this is the agreement between you and us when you use our self-guided platform to create your own Personal Affairs Plan. We provide the template and tools — you complete the Plan with your own information. We do not provide legal, financial, medical, or tax advice. This summary is for your convenience; the full terms below apply.

Effective date: 15 May 2026
Provider: Plan Ahead Co Pty Ltd (ACN 697 886 614, ABN 11 697 886 614) (“Plan Ahead Co”, “we”, “us”, “our”)
Website: planaheadco.com.au

1. Agreeing to these Terms

• By using our self-guided service (the “Service”), you agree to be bound by these Terms of Service (“Terms”).
• If you do not agree with these Terms, you must not use the Service.
• We may amend these Terms from time to time. We will notify you of material changes. Continued use of the Service after notice constitutes acceptance.

2. Eligibility

• You must be at least 18 years of age and have the legal capacity to enter into a binding contract.
• By using the Service, you confirm that you are using it for your own personal affairs or are authorised to do so on behalf of another person.
• Where you include information about dependent children in your Plan (such as guardianship preferences), that information is collected from you, not from the child.

3. Description of the Service

• The Service is an organisational tool. It provides templates, prompts, and a platform to help you record and structure information about your personal, financial, and practical affairs (the “Plan”).
• The Service helps you organise existing information. It does not generate, validate, or advise on the legal effectiveness of any document.
• The Plan is not a will, power of attorney, advance care directive, or any other legal instrument, and does not replace any of these documents.

4. Not legal, financial, medical or tax advice

• Plan Ahead Co is not a law practice, financial adviser, accountant, or medical professional. We do not provide legal, financial, medical, tax, or any other regulated professional advice.
• Any information made available through the Service — including templates, prompts, examples, and educational content — is general information only and does not take into account your personal circumstances.
• The Service does not provide advice on the legal effect of any document, recommendations about will structures, beneficiary nominations, executor or attorney appointments, trust structures, tax outcomes, or any other matter that would ordinarily fall within legal practice.
• You are solely responsible for obtaining independent professional advice before making any decisions about your legal, financial, medical, or tax affairs.
• No client, fiduciary, or professional relationship is created by your use of the Service.

5. About Plan Ahead Co’s structure

• The director of Plan Ahead Co Pty Ltd is a qualified Australian legal practitioner. However, Plan Ahead Co Pty Ltd is not a law practice and does not provide legal services. The Service is an administrative and organisational service only.
• Your use of the Service does not create a solicitor-client relationship, is not subject to the Legal Profession Act 2007 (Qld), and does not attract the protections that apply to engagements with a law practice, including:
  • Professional indemnity insurance held by a law practice
  • Fidelity fund cover
  • Costs disclosure obligations under the Legal Profession Act
  • The right to make a complaint to the Legal Services Commission about the Service
• Information you share with us through the Service is not subject to legal professional privilege. If you require legal advice or wish to engage a lawyer about your affairs, you should do so separately with a qualified legal practitioner.

6. Conflicts of interest

• To prevent any conflict of interest between Plan Ahead Co and any legal practice with which our director is associated, by using the Service you confirm that, to the best of your knowledge, you are not a current or former client of that legal practice in a matter related to your Plan.
• If we identify a potential conflict, we may decline to provide the Service or terminate this agreement, and refund any fees paid for work not yet delivered.

7. Your responsibilities

• You are responsible for the accuracy, completeness, and currency of all information you enter into the Service.
• You are responsible for keeping your account credentials secure and for all activity that occurs under your account.
• You are responsible for telling the people named in your Plan how to access it, and for keeping the Plan up to date as your circumstances change.
• You agree not to use the Service for any unlawful purpose, to upload information about another living adult without their knowledge, or to misuse the Service in any way.

8. Fees and payment

• Fees for the Service are set out on our website at the time of purchase.
• All fees are quoted in Australian Dollars (AUD) and are inclusive of GST where applicable.
• Fees are payable in advance. Access to your generated Plan is contingent on payment.
• Refund policy: Because the Service is a digital product, fees are non-refundable once you have generated and accessed your Plan. If something goes wrong on our end — for example, a technical failure that prevents you from completing or accessing your Plan — please contact us and we’ll work with you to resolve it, including by refund where appropriate. This clause does not limit your rights under the Australian Consumer Law (see clause 14).

9. Intellectual property

• All templates, prompts, designs, branding, and content of the Service are owned by Plan Ahead Co and are protected by copyright and other intellectual property laws.
• You are granted a personal, non-exclusive, non-transferable licence to use the Service and your generated Plan for your personal, non-commercial use.
• You retain ownership of the personal information and content you enter into the Service (“Your Content”). You grant us a limited licence to process Your Content solely to provide the Service to you.
• You must not copy, redistribute, resell, or create derivative works from our templates, content, or platform.

10. Privacy and data security

• We handle your personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth).
• You acknowledge that the Plan contains highly sensitive personal information. You are responsible for how you store, share, and distribute your Plan after it is generated.
• While we use reasonable security measures, no online service can guarantee absolute security. To the extent permitted by law, we are not liable for unauthorised access to Your Content arising from circumstances outside our reasonable control.

11. Third-party tools

• The Service may rely on third-party platforms (such as document generation, hosting, and payment providers). Your use of those tools is also governed by their respective terms.
• We are not responsible for the acts or omissions of third-party providers, except to the extent required by law.

12. Disclaimers

• To the maximum extent permitted by law, the Service is provided “as is” and “as available”. We do not warrant that the Service will be uninterrupted, error-free, or fit for any particular purpose other than as expressly stated.
• We make no representation that following the prompts or completing the Plan will achieve any particular legal, financial, or practical outcome.
• You acknowledge that the usefulness of the Plan depends entirely on the accuracy and completeness of the information you provide.

13. Limitation of liability

• To the maximum extent permitted by law, Plan Ahead Co’s total aggregate liability to you for any claim arising out of or in connection with the Service is limited to the fees you paid us in the 12 months before the claim arose.
• To the maximum extent permitted by law, we are not liable for any indirect, special, consequential, or incidental loss, including loss of profits, loss of data, loss of opportunity, or distress, however arising.
• Nothing in these Terms excludes, restricts, or modifies any consumer right or remedy under the Australian Consumer Law that cannot lawfully be excluded.

14. Australian Consumer Law

• Our services come with guarantees under the Australian Consumer Law that cannot be excluded. Nothing in these Terms excludes, restricts, or modifies any consumer right or remedy that cannot lawfully be excluded.
• To the extent permitted by law, our liability for any breach of a consumer guarantee is limited (at our option) to supplying the services again or paying the cost of having the services supplied again.

15. Indemnity

• To the maximum extent permitted by law, you indemnify Plan Ahead Co against any loss, damage, claim, or expense arising out of: (a) your breach of these Terms; or (b) your use of the Service in any unlawful or unauthorised way.

16. Termination

• You may stop using the Service at any time.
• We may suspend or terminate your access if you breach these Terms, misuse the Service, or fail to pay applicable fees.
• On termination, we may retain certain information as required by law or for legitimate business purposes, in accordance with our Privacy Policy.

17. Governing law and jurisdiction

• These Terms are governed by the laws of Queensland, Australia.
• You and Plan Ahead Co submit to the non-exclusive jurisdiction of the courts of Queensland and the courts of appeal from them.

18. Dispute resolution

• If you have a concern, please contact us first at brooke@planaheadco.com.au. We will respond within a reasonable time and try to resolve the matter informally.
• If we cannot resolve a dispute within 30 days of written notice, either party may pursue formal remedies.

19. General

• If any clause is found to be unenforceable, the remaining clauses will continue in force.
• These Terms, together with our Privacy Policy, form the entire agreement between you and us regarding the Service.
• A failure to enforce a right is not a waiver of that right.

Plan Ahead Co Pty Ltd
ACN 697 886 614 / ABN 11 697 886 614
Email: hello@planaheadco.com.au
Website: planaheadco.com.au