Terms of service

Last updated: March 1, 2026

These Terms of Service ("Terms") govern your access to and use of Decouple ("Decouple", "Platform"). By creating an account or using the Platform, you agree to be legally bound by these Terms.

1. Who we are

Decouple is operated by:

Principled Codes Pty Ltd
ABN 62 673 132 799
ACN 673 132 799

("we", "us", "our")

For enquiries: hello@decouple.life
For privacy matters: privacy@decouple.life

2. Nature of the service

Decouple is a subscription-based financial disclosure organisation tool designed to assist individuals preparing for separation or divorce.

The Platform:

• Allows users to organise financial information
• Provides secure document storage
• Generates structured disclosure summaries for provision to a legal practitioner
• Does not provide legal advice
• Does not replace a lawyer
• Does not generate court-filed legal documents

You acknowledge that Decouple is an administrative support tool only.

3. Eligibility

You must:

• Be at least 18 years old
• Have legal capacity to enter a binding contract
• Provide accurate and complete information

You are responsible for ensuring your use of the Platform complies with applicable laws in your jurisdiction.

4. User accounts

To access Decouple, you must create an account.

You agree to:

• Keep login credentials secure
• Not share your account access with others
• Notify us immediately of unauthorised access

We use third-party authentication providers with two-factor authentication (2FA) and audit logging.

You are responsible for activity conducted under your account.

5. User responsibilities

You agree that you will:

• Provide truthful and accurate financial information
• Only upload documents you are legally entitled to use
• Not upload unlawful, defamatory, or malicious material
• Not attempt to hack, disrupt, or reverse-engineer the Platform
• Not use the Platform for fraudulent purposes

You are solely responsible for the accuracy and completeness of your financial disclosure information.

6. Sharing of information

You may generate and share disclosure summaries with:

• Your lawyer
• A mediator
• A trusted party assisting with your separation

We do not control how third parties use information once you export or share it.

You are responsible for ensuring you trust any person with whom you share information.

7. Subscription and payments

Access to Decouple requires a paid subscription.

Payments are processed securely via Stripe.

By subscribing, you agree:

• To pay all applicable subscription fees
• That fees may be billed monthly or annually (as selected)
• That subscriptions may automatically renew unless cancelled

You may cancel your subscription at any time via your account settings.

Unless required under Australian Consumer Law, subscription fees are non-refundable.

8. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any rights you may have under the Australian Consumer Law.

If our services fail to meet a consumer guarantee under Australian Consumer Law, you may be entitled to remedies as provided by law.

To the extent permitted by law, our liability is limited to:

• Re-supplying the services; or
• The cost of having the services supplied again.

9. Data and Privacy

Your use of the Platform is subject to our Privacy Policy.

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

By using Decouple, you consent to the collection and handling of your information as described in our Privacy Policy.

10. Intellectual property

All platform content, including:

• Software
• Interface design
• Branding
• Logos
• Templates
• Generated summary formats

are owned by or licensed to Principled Codes Pty Ltd.

You are granted a limited, non-exclusive, non-transferable licence to use the Platform for personal use related to your financial separation.

You may not:

• Copy or replicate the software
• Resell access
• Create derivative works
• Use the Platform for commercial exploitation

11. Availability and service changes

We may:

• Modify features
• Update functionality
• Improve security
• Change subscription pricing (with notice)

We do not guarantee uninterrupted availability.

Maintenance or technical issues may result in temporary downtime.

12. Account suspension or termination

We may suspend or terminate your account if:

• You breach these Terms
• You misuse the platform
• You engage in unlawful conduct
• Your payment fails

You may delete your account at any time.

Upon account deletion:

• Your data will be removed in accordance with our Privacy Policy
• Access to the platform will cease

13. Limitation of liability

13.1 Consumer guarantees

Nothing in these Terms excludes, restricts, or modifies any rights or remedies you may have under the Australian Consumer Law or any other applicable law that cannot be excluded.

Where a statutory guarantee applies and cannot be excluded, our liability is limited (to the extent permitted by law) to:

• Re-supplying the services; or
• The cost of having the services supplied again.

13.2 Exclusion of Indirect Loss

To the maximum extent permitted by law, Principled Codes Pty Ltd is not liable for:

• Indirect, incidental, special, or consequential loss
• Loss of profits
• Loss of opportunity
• Loss of data (except to the extent caused by our failure to take reasonable security measures)
• Business interruption
• Legal costs incurred in connection with separation proceedings
• Emotional distress or reputational harm

13.3 Monetary cap on liability

To the maximum extent permitted by law, our total aggregate liability to you arising out of or in connection with:

• Your use of the platform;
• These Terms; or
• Any act or omission by us,

is limited to the greater of:

1. The total subscription fees paid by you to us in the 12 months immediately preceding the event giving rise to the claim; or
2. AUD $1,000.

This cap applies regardless of the legal basis of the claim, including contract, tort (including negligence), equity, statute, or otherwise.

13.4 No liability for legal outcomes

You acknowledge that:

• Decouple does not provide legal advice;
• Legal outcomes depend on numerous external factors beyond our control;
• We do not warrant that information generated by the platform will be accepted by a court, lawyer, or opposing party.

We are not liable for outcomes in legal proceedings arising from your use of the platform.

You should seek independent legal advice regarding your specific circumstances.

13.5 User-controlled sharing risk

We are not liable for any loss arising from:

• Information you choose to share with third parties;
• Disclosure of exported summaries;
• Unauthorised access caused by your failure to secure your devices or credentials.

14. High-conflict matters disclaimer

Where separations involve conflict:

• You are responsible for securing your devices
• You should not use shared email accounts
• You should not use devices accessible to your former partner

We are not responsible for unauthorised access resulting from shared credentials or unsecured devices.

15. Indemnity

You agree to indemnify and hold harmless Principled Codes Pty Ltd against claims arising from:

• Your misuse of the platform
• Your breach of these Terms
• Inaccurate information you provide
• Your unlawful conduct

16. Governing law

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

You submit to the exclusive jurisdiction of the courts of Victoria.

17. Changes to these terms

We may update these Terms from time to time.

The updated version will be published on the website with a revised date.

Continued use of the platform after changes constitutes acceptance of the updated Terms.