Last updated: June 2026.

Risk Toolkit (the application) is an online software platform for financial advisers, operated by Point1 Pty Ltd (trading as Risk Hub), ABN 17 645 442 262. You can reach us at info@riskhub.com.au.

By creating an account or using Risk Toolkit, you agree to these terms.

1. About Risk Toolkit

Risk Toolkit is a growing suite of software tools for financial advisers working in life and risk insurance. It currently includes:

• Client Profile (a short, structured fact find): collect client information securely, either by entering it yourself or by sending the client a secure link to complete and confirm.
• Needs Calculator: a structured insurance needs analysis to support adviser conversations and scenario modelling.

Your subscription covers the Risk Toolkit tools described here, along with further tools we choose to include over time. We will keep adding to the suite. Some future tools or premium services may be optional and separately priced rather than included.

Risk Toolkit is a software service for advisers. It is not a financial product, and Risk Hub does not provide financial product advice. See section 5.

2. Accounts, practices and users

Risk Toolkit is intended for financial advisers and the practices they work in. When you register you create a practice account. The practice owner can invite other users into that account.

Your subscription includes the practice owner plus up to five additional users. If you need more, contact us. We may adjust this limit over time.

You are responsible for:

• keeping your login details secure and enabling multi-factor authentication where offered,
• the activity of every user you add to your practice account, and
• making sure your use complies with your own licensing and compliance obligations.

3. Subscription, fees and billing

Plan. Risk Toolkit is sold as a single subscription covering the tools in the suite. We may offer optional, separately priced add-on services in future; these are not part of the standard subscription.

Price. A$129 per month, or A$1,290 per year. All prices include GST. A tax invoice is provided through our payment processor.

Free trial. Where offered, a 14 day free trial requires valid card details. You will not be charged during the trial. Unless you cancel before the trial ends, your subscription begins automatically on the plan you selected and your card is charged.

Auto-renewal. Subscriptions renew automatically (monthly or yearly, as selected) until cancelled.

Cancellation. You can cancel at any time. Your access continues until the end of the period you have already paid for. Cancelling a trial before it ends means you are not charged.

Refunds. Fees already charged are non-refundable except where a refund is required by law, including under the Australian Consumer Law.

Discounts and promotion codes. We may offer promotion codes or partner discounts. These are subject to their own conditions and may be withdrawn or changed at any time.

Price changes. We may change pricing. We will give reasonable notice before any change applies to your next renewal.

Payments. Card payments are processed by Stripe (PCI DSS Level 1). Your full card details do not enter Risk Hub systems. We may suspend access if a payment fails and is not resolved.

4. How the tools should be used

Risk Toolkit supports the advice process. It does not replace your professional judgement, your assessment, your recommendations, or your compliance obligations.

• Outputs from the Needs Calculator are indicative only and depend on the accuracy and completeness of the inputs. They must be reviewed and interpreted by you.
• Client Profile collects information to support a fact find. It does not assess that information or form advice.

Fair Use

Some Risk Toolkit features carry real underlying costs, such as AI processing and third-party quoting calls. We apply a fair use approach: normal advice-workflow usage is never an issue, but we may throttle, queue or contact you about usage that is clearly excessive or automated beyond the intended workflow (for example bulk or scripted requests). Subscription pricing assumes fair use of these features.

5. Not financial advice

Risk Hub provides software. Nothing in Risk Toolkit is financial product advice, a recommendation, or an offer of any financial product. Advice to your clients remains yours, given under your own licensing arrangements.

6. Privacy and how we handle data

We handle personal information in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

What is collected. Through Client Profile and related tools, the platform may hold client personal information such as name, contact details, date of birth, employment and financial details, family information, and existing insurance and superannuation records. It may also hold sensitive information in the form of a health pre-screen, which is structured in tiers (no conditions, brief notes, or a more detailed profile). The platform does not collect identity documents, banking credentials, or tax file numbers.

How it is collected. By adviser entry, by secure online forms completed by clients through expiring links, and by optional document uploads.

Why it is collected. To provide the service, to support your advice process, and to meet legal and compliance obligations.

Storage and security.

• Client and adviser data is held in a managed database within Australian infrastructure (Amazon Web Services, Sydney region).
• The application runs on cloud infrastructure located in Australia (Sydney). Your data is stored and processed onshore.
• Where AI is used, for example to help extract information from uploaded documents, it is processed onshore in the Sydney region. Your data is not sent to AI services outside Australia.
• Data is encrypted in transit (TLS 1.2 or higher) and at rest (AES-256), with field-level encryption for sensitive fields.
• Advisers authenticate with email and password (and MFA where enabled). Clients access their forms through tokenised, expiring links.

Data sovereignty. Your client and adviser data is stored and processed in Australia, including any AI processing. We do not transfer this data overseas. Two limited exceptions apply: payments are processed by Stripe, and email delivery is handled by our email provider, each of which may process limited information (such as billing or email details) outside Australia. Your full card details do not enter Risk Hub systems.

7. Disclosure and third parties

We do not sell personal information. We disclose it only as needed to provide the service, or where required by law. Our key service providers (subprocessors) are:

• our application hosting, on cloud infrastructure located in Australia (Sydney),
• our managed database, hosted on Amazon Web Services (Sydney region),
• an AI service located in Australia (Sydney region), for onshore processing such as document extraction,
• our email provider, for sending secure links and notifications, and
• Stripe, for payment processing.

8. Data retention and deletion

Information is retained only for as long as needed to provide the service, support advice processes, and meet legal and compliance obligations. Advisers can manage and delete client records through the platform. If you cancel, contact us about exporting or deleting practice data.

9. Access and correction

An individual who wants to access or correct their information should contact the adviser or practice that holds it. Risk Hub supports advisers in meeting these requests.

10. Adviser responsibilities

You are responsible for obtaining the consents you need from your clients, for maintaining your own privacy policy, and for using the platform lawfully and in line with your obligations.

11. Intellectual property

Risk Hub owns the Risk Toolkit platform and its content. You retain ownership of your client data. We grant you a non-exclusive, non-transferable right to use the platform while your subscription is active.

12. Availability and support

We aim to keep Risk Toolkit available, but availability is not guaranteed. Access may be interrupted for maintenance, updates, or technical issues. Support is available at info@riskhub.com.au.

13. Limitation of liability

To the extent permitted by law, Risk Hub is not liable for loss arising from use of the platform or reliance on its indicative outputs. Nothing in these terms excludes rights you have under the Australian Consumer Law that cannot lawfully be excluded.

14. Changes to these terms

We may update these terms. We will post the updated version here and, where the change is material, take reasonable steps to notify you.

15. Governing law

These terms are governed by the laws of New South Wales, Australia.

16. Contact

Point1 Pty Ltd trading as Risk Hub, Kirrawee NSW 2232, Australia. ABN 17 645 442 262. info@riskhub.com.au.