TERMS AND CONDITIONS — THE VAULT Future Builder Co Pty Ltd | ABN 87 670 515 796

Last Updated: 3 September 2026

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These Terms and Conditions (“Terms”) govern your subscription to and use of The Vault, a comprehensive knowledge, training, and community membership providing full access to the Future Builder content library, business assets, community platform, and group learning experiences (“the Service”), operated by Future Builder Co Pty Ltd (ABN 87 670 515 796) (“Future Builder,” “we,” “us,” or “our”).

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By subscribing to The Vault, you (“Member,” “you,” or “your”) accept and agree to be bound by these Terms in full. If you do not agree to these Terms, you must not subscribe to or use the Service.

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IMPORTANT: The Vault is a fixed-term subscription with a 12-month minimum commitment. Early cancellation is not available during the Commitment Period, and you remain liable for all Monthly Fees for the full 12-month term as set out in Section 7. Please ensure you have read and understood Sections 5 through 8 (Fees, Commitment, Cancellation, and Notice) before subscribing.

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1. DEFINITIONS

In these Terms:

“Account” means your registered user account on the Future Builder platform.

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“Billing Cycle” means the recurring monthly or annual period for which Subscription Fees are charged, commencing on your Subscription Start Date.

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“Commitment Period” means the initial twelve (12) month period commencing on the Subscription Start Date.

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“Remaining Fees Liability” means the total of all Monthly Fees remaining for the unexpired portion of the Commitment Period, payable in accordance with Section 7.

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“Intellectual Property” means all copyright, trademarks, patents, trade secrets, designs, and other proprietary rights.

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“Monthly Fee” means the current monthly Subscription Fee for The Vault, as set out in Section 5.

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“Alfie” means the AI-powered business companion platform accessible at app.alfie.co, used for communication, content delivery, coaching interactions, and personalised AI-driven insights within the Future Builder ecosystem.

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“Platform” means the Future Builder website (futurebuilder.co), the Alfie platform (app.alfie.co), the member portal (members.futurebuilder.co), and any associated applications.

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“Service” means The Vault as described in Section 3.

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“Subscription Fee” means the fee payable for access to the Service.

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“Subscription Start Date” means the date on which your first Subscription Fee payment is processed.

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2. ELIGIBILITY

2.1 You must be at least 18 years of age and legally capable of entering into a binding contract under the laws of your jurisdiction to subscribe to the Service.

2.2 By subscribing, you represent and warrant that you meet all eligibility requirements and that the information you provide is accurate and complete.

2.3 Future Builder reserves the right to refuse or revoke access to any person at its sole discretion.

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3. THE SERVICE — WHAT IS INCLUDED

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3.1 The Vault Membership includes:

• Full access to the Future Builder asset library (excluding Basecamp)

• Complete business asset library (templates, SOPs, calculators, policies, checklists)

• Access to the Future Builder Society community platform and Vault community forums

• Optional event access (separate ticket required)

• Priority access to new content and resources as released

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3.2 Service Delivery. The Service is delivered primarily through the Platform, including Alfie. All member communication, content delivery, and engagement occur through the Platform. Members are expected to use the Platform as their primary channel for all Service-related communication. Content, features, tools, and delivery methods may be updated, modified, or replaced at any time at Future Builder’s sole discretion.

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3.3 No Guarantee of Specific Content. While Future Builder endeavours to maintain and improve the Service, the specific content, courses, templates, tools, community features, and resources available may change from time to time. Future Builder does not guarantee that any particular piece of content or feature will remain available.

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3.4 Alfie Software Included. Your membership includes access to the Pro version of the Alfie software platform (single user) at no separate fee. There is no separate Alfie charge or line item — your single monthly membership fee covers both your Vault membership and the bundled Alfie software. Full details of what is included in each Alfie subscription tier are set out on the Alfie payment page at app.alfie.co/pricing.

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4. USER ACCOUNTS

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4.1 Account Creation. You may be required to create an Account to access the Service. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your Account.

4.2 One Account Per Member. Each subscription entitles one (1) individual to access the Service. Account sharing, credential sharing, or allowing any other person to access the Service through your Account is strictly prohibited.

4.3 Security. You agree to notify Future Builder immediately of any unauthorised use of your Account or any breach of security at support@futurebuilder.co.

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5. SUBSCRIPTION FEES AND PAYMENT

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5.1 Monthly Fee. The current Monthly Fee for The Vault is AUD $999 per month (inclusive of GST where applicable).

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5.2 Payment in Advance. Subscription Fees are billed monthly in advance on the anniversary of your Subscription Start Date and must be paid via the payment method registered to your Account.

5.3 Automatic Billing. By subscribing, you authorise Future Builder to automatically charge your registered payment method for each Billing Cycle. It is your responsibility to ensure your payment method remains valid and has sufficient funds.

5.4 Failed Payments. If a scheduled payment fails, Future Builder will notify you and may reattempt the charge within seven (7) days. If the payment remains outstanding after fourteen (14) days, Future Builder may suspend your access to the Service until the overdue amount is paid in full. If the payment remains outstanding after thirty (30) days, Future Builder may terminate your subscription in accordance with Section 18, and any outstanding Monthly Fees for the remainder of the Commitment Period remain payable as a debt owing to Future Builder.

5.5 Price Changes. Future Builder reserves the right to increase or decrease the Subscription Fee at any time. You will be notified of any price change at least thirty (30) days before it takes effect. Your continued use of the Service after a price change constitutes acceptance of the new fee. If you do not agree to a price change, you may cancel your subscription in accordance with these Terms; however, the Commitment Period and payment liability provisions (Sections 6 and 7) continue to apply.

5.6 Taxes. All fees are quoted in Australian Dollars (AUD). You are responsible for any applicable taxes, duties, or government charges arising from your subscription, except where Future Builder is required by law to collect such amounts.

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6. 12-MONTH MINIMUM COMMITMENT

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6.1 Commitment Period. All The Vault subscriptions require a minimum commitment of twelve (12) consecutive months from the Subscription Start Date (the “Commitment Period”).

6.2 Binding Obligation. By subscribing, you acknowledge and agree that you are entering into a fixed-term agreement for the full Commitment Period. You are obligated to pay the Subscription Fee for each month of the Commitment Period, regardless of whether you actively use the Service.

6.3 No Standard Cancellation During Commitment. You may not cancel your subscription during the Commitment Period without remaining liable for all Monthly Fees for the remainder of the Commitment Period as set out in Section 7, except where required by Australian Consumer Law.

6.4 After the Commitment Period. Upon expiry of the Commitment Period, your subscription will continue on a rolling month-to-month basis and may be cancelled in accordance with Section 8.

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7. COMMITMENT PERIOD AND CANCELLATION

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7.1 Fixed Commitment. Your The Vault subscription is a fixed 12-month commitment. By subscribing, you agree to pay the Monthly Fee for the full duration of the Commitment Period. Early cancellation is not available during the Commitment Period.

7.2 Monthly Fees During Commitment Period. All Monthly Fees for the Commitment Period are due and payable in accordance with your Billing Cycle. If you stop using the Service or request cancellation during the Commitment Period, you remain liable for all Monthly Fees for the remainder of the Commitment Period.

7.3 Cancellation After Commitment Period. Following the expiry of the Commitment Period, your subscription will continue on a month-to-month basis at the then-current Monthly Fee. You may cancel your subscription at any time by providing 30 days' written notice to Future Builder.

7.4 Outstanding Fees. If any Monthly Fees remain unpaid at the time you cease using the Service or request cancellation, those fees remain a debt owing to Future Builder and may be charged to your registered payment method.

7.5 Financial Hardship. If you are experiencing genuine financial hardship during the Commitment Period, you may apply for a temporary subscription freeze by submitting a Hardship Application Form to Future Builder at support@futurebuilder.co. You must provide supporting evidence of your financial circumstances. If approved, Future Builder may, at its discretion, freeze your subscription for up to two (2) months. During a freeze period, no Monthly Fees will be charged and your access to the Service will be suspended. The Commitment Period will be extended by the duration of the freeze. A hardship freeze does not constitute cancellation of your subscription, and you remain liable for all Monthly Fees for the full Commitment Period. If, following the freeze period, you are unable to resume full Monthly Fee payments, Future Builder may, at its discretion, offer a payment plan to break the outstanding balance into smaller instalments over an agreed period. Any payment plan must be agreed in writing and does not reduce the total amount owing.

7.6 Business Closure. If your business permanently ceases trading during the Commitment Period, you may apply to terminate your subscription early by providing written notice to Future Builder at support@futurebuilder.co together with supporting evidence of business closure (such as an ASIC deregistration notice, voluntary administration appointment, or statutory declaration). If Future Builder is reasonably satisfied that the business has permanently closed, your subscription will be terminated and no further Monthly Fees will be charged from the date of approval. Any Monthly Fees already due and unpaid at the date of termination remain payable.

7.7 Access Upon Cancellation. Once a valid cancellation notice has been processed (after the Commitment Period), you will retain access to the Service until the end of the current Billing Cycle. Access will then be terminated.

7.8 Consumer Law Rights. Nothing in this Section limits or excludes any rights you may have under the Australian Consumer Law or any other applicable consumer protection legislation.

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8. CANCELLATION AND NOTICE

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8.1 After the Commitment Period. Once the Commitment Period has expired and your subscription is continuing on a month-to-month basis, you may cancel at any time by providing a minimum of thirty (30) days’ written notice to Future Builder.

8.2 How to Cancel. Cancellation requests must be submitted in writing via email to support@futurebuilder.co or through the cancellation process on the Platform. Verbal or informal requests (including social media messages) do not constitute valid cancellation notice.

8.3 Notice Period and Final Payment. The 30-day notice period commences on the date Future Builder acknowledges receipt of your cancellation request. During the notice period:

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1. You will continue to have access to the Service.

2. Any Subscription Fee falling due during the notice period must be paid in full.

3. Your subscription will terminate at the end of the Billing Cycle in which the 30-day notice period expires.

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Example: If your Billing Cycle renews on the 1st of each month and you submit your cancellation notice on the 10th of January, your 30-day notice period expires on the 9th of February. Because this falls within the February Billing Cycle (which you have already been or will be charged for), your access will continue until the end of February. You will be required to pay the February Subscription Fee.

8.4 No Refunds. Subscription Fees are non-refundable. If you cancel, you will retain access to the Service until the end of the final Billing Cycle but will not receive a refund for any portion of that cycle, except where required by Australian Consumer Law.

8.5 During the Commitment Period. If you wish to cancel during the Commitment Period, the provisions of Section 7 apply and you remain liable for all Monthly Fees for the remainder of the Commitment Period, in addition to the notice and payment requirements in this Section 8.

8.6 Continued Alfie Access on Leaving. If your membership ends, you will be transitioned (downsold) to the standalone Pro tier of the Alfie software so that you keep access to Alfie and your data; you do not lose the software. The then-current standalone Pro pricing will apply, as set out on the Alfie payment page at app.alfie.co/pricing.

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9. AUTOMATIC RENEWAL

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9.1 Your subscription will automatically renew at the end of each Billing Cycle (whether during or after the Commitment Period) unless cancelled in accordance with these Terms.

9.2 Future Builder will endeavour to notify you in advance of any renewal where the Subscription Fee has changed, but failure to provide such notice does not affect the validity of the renewal.

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10. USE OF SERVICE AND MEMBER CONDUCT

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10.1 Licence. Members are granted a non-exclusive, non-transferable, revocable licence to access and use the Service for personal and internal business purposes only, subject to these Terms.

10.2 Prohibited Uses. You agree not to:

1. Resell, redistribute, sublicense, or commercially exploit any part of the Service or its content;

2. Share, distribute, or make available any Service content (including course materials, templates, assets, recordings, or resources) to any non-Member or third party;

3. Use the Service for any unlawful purpose or in violation of any applicable law;

4. Impersonate any person or entity, or misrepresent your affiliation with any person or entity;

5. Interfere with, disrupt, or attempt to gain unauthorised access to the Platform or its infrastructure;

6. Use automated tools, bots, scrapers, or data-mining methods to access or extract content from the Service;

7. Upload, post, or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, obscene, or otherwise objectionable;

8. Infringe the intellectual property rights or privacy of any third party; or

9. Upload or transmit viruses, malware, or other harmful code. 

10. Advertise, market, promote, or solicit sales for your own or any third party’s products, services, software, applications, or business ventures within the community, chat, or forum features of the Service without Future Builder’s prior written approval;

10.3 Approval for Member Promotions. Members who wish to share, discuss, or promote their own commercially available products, services, software, or applications (including any app, tool, or platform they have built or developed themselves) within the community, chat, or forum features of the Service must first obtain Future Builder’s prior written approval by contacting support@futurebuilder.co. Future Builder may grant, refuse, or revoke such approval at its sole discretion, and may impose conditions on any approval given, including restricting the promotion to a designated area of the community. Any promotional content posted without prior approval will be treated as a breach of clause 10.2 and may be removed at any time.

10.4 Consequences. Breach of this Section may result in immediate suspension or termination of your access without refund and without affecting any other rights or remedies available to Future Builder.

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11. USER CONTENT

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11.1 Your Content. The Platform may allow you to post, share, and interact with content including messages, comments, and other materials (“User Content”). You retain all rights in your User Content and are solely responsible for it.

11.2 Licence to User Content. By posting User Content, you grant Future Builder a non-exclusive, royalty-free, worldwide, perpetual, irrevocable, and sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in connection with the Service.

11.3 Content Standards. Your User Content must not violate any of the prohibited conduct outlined in Section 10.2. Future Builder reserves the right, but is not obligated, to remove any User Content that violates these Terms or that we consider objectionable for any reason.

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12. INTELLECTUAL PROPERTY

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12.1 All content, materials, courses, templates, assets, software, text, graphics, logos, images, video, audio, and the design, selection, and arrangement thereof provided through the Service are owned by Future Builder, its licensors, or other providers and are protected by Australian and international copyright, trademark, and other intellectual property laws.

12.2 Nothing in these Terms grants you any ownership interest in the Service or its content. Your licence to use the Service is limited to the rights expressly granted in these Terms.

12.3 You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any Service content except as expressly permitted by these Terms or with Future Builder’s prior written consent.

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12A. DOWNLOADABLE ASSETS, SKILLS AND AI TOOLING

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12A.1 What this section covers. Future Builder makes downloadable materials available through the Alfie platform, the asset library, the community, and other channels (“Downloadable Assets”). Downloadable Assets include AI skills, plugins, prompts, agent and workflow configurations, markdown (.md) files, archive (.zip) files, scripts, spreadsheets, templates, checklists, standard operating procedures, calculators, and any accompanying reference material, in each case whether in the form supplied or as later modified. This section applies to every Downloadable Asset in addition to the rest of these Terms. Where this section conflicts with any other provision of these Terms, this section prevails in respect of Downloadable Assets.

12A.2 Licence. Subject to these Terms, and for so long as your membership is current and paid, you are granted a non-exclusive, non-transferable, non-sublicensable, revocable licence to download and use Downloadable Assets solely for the internal business purposes of the single business entity through which you hold your membership. No other right is granted. Downloading a Downloadable Asset gives you no ownership of it.

12A.3 Adaptation for your own business. Notwithstanding any other provision of these Terms, you may modify, configure, and adapt Downloadable Assets for use within your own business. Any adapted, derived, translated, or reconfigured version remains a Downloadable Asset for the purposes of these Terms and remains subject to this section in full, including the restrictions in clause 12A.4. You are solely responsible for any adaptation you make and for anything it produces or does, and Future Builder’s support obligations extend only to Downloadable Assets in the form originally supplied.

12A.4 Restrictions. You must not, and must not permit or enable any other person to:

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(a) sell, resell, on-sell, licence, sublicense, rent, lease, or otherwise commercialise or derive revenue from any Downloadable Asset;

(b) share, forward, publish, distribute, transmit, or otherwise make any Downloadable Asset available to any person outside your business, including by uploading it to any public or private repository, marketplace, model library, skill or plugin store, file-sharing service, forum, or online community;

(c) incorporate any Downloadable Asset, in whole or in part, into any product, service, course, template, tool, consulting deliverable, or other offering that you supply, sell, or otherwise make available to any third party;

(d) use any Downloadable Asset to design, develop, train, or improve any product or service that competes with Future Builder, Alfie, or any Future Builder offering;

(e) use any Downloadable Asset, or its contents, as training or fine-tuning data for any artificial intelligence or machine learning model, or to build any derivative knowledge base, dataset, or assistant intended for use beyond your own business. Transient processing by your own AI tooling in the ordinary course of using the asset as intended is permitted;

(f) remove, obscure, alter, or fail to reproduce any Future Builder attribution, copyright notice, licence notice, ownership statement, or usage notice contained in or accompanying a Downloadable Asset, including any notice embedded within a skill or prompt file; or

(g) remove, disable, bypass, or circumvent any confirmation step, approval gate, human review prompt, or other safeguard built into a Downloadable Asset.

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12A.5 Downloadable Assets run outside our control. Downloadable Assets are designed to run on your own systems, in your own artificial intelligence tools, under your own accounts and credentials, and against your own data and your own third-party services. Once downloaded, they operate entirely outside Future Builder’s infrastructure, control, and visibility. Future Builder does not execute, monitor, supervise, log, or receive the output of any Downloadable Asset, and has no ability to intervene in, correct, undo, or reverse anything a Downloadable Asset does on your systems. You are responsible for the environment in which you run Downloadable Assets, for the credentials, permissions, and data access you grant them, and for everything done through your accounts.

12A.6 Output is a draft and must be checked by a competent person. Downloadable Assets, and the artificial intelligence tools they run in, produce drafts and starting points. They do not produce finished, verified, or checked work. Output may be inaccurate, incomplete, out of date, internally inconsistent, or unsuitable for your project, your jurisdiction, or your circumstances, and may appear confident and authoritative while being wrong. Before you rely on any output, price from it, act on it, issue it to any client, supplier, subcontractor, employee, consultant, or authority, submit it to any regulator, certifier, or insurer, or incorporate it into any contract, quotation, estimate, programme, specification, safety document, or employment document, you must have it independently reviewed and verified by a suitably qualified and competent person. You must not treat any output as accurate, complete, compliant, or fit for purpose merely because it was produced by a Future Builder asset, by Alfie, or by any artificial intelligence tool.

12A.7 You remain responsible. Nothing in a Downloadable Asset, and nothing produced using one, transfers, reduces, or discharges any of your own obligations. You remain solely responsible for your estimates, pricing, margins, quotations, contracts, variations, progress claims, programmes, procurement, workmanship, safety systems, employment decisions, record keeping, insurances, licensing, and compliance with all applicable laws, standards, codes, and the conditions of your own building, trade, or business licences. Downloadable Assets are provided for general business and educational purposes only and do not constitute professional advice of any kind, including building, engineering, architectural, surveying, legal, accounting, tax, financial, insurance, workplace health and safety, or employment advice.

12A.8 Actions that reach clients, suppliers, and others. Some Downloadable Assets can be configured to take actions in third-party systems, including creating, altering, issuing, or sending documents such as quotations, purchase orders, variations, progress claims, invoices, messages, and emails to your clients, suppliers, subcontractors, or staff. Those actions may be immediate, irreversible, and legally or financially significant. Where a confirmation or approval step is presented, it is your responsibility to check what is being sent, what it says, and who will receive it, and to approve it only if it is correct. Future Builder is not a party to, has no visibility of, and accepts no responsibility for, anything sent, issued, or done from your own systems, accounts, or credentials.

12A.9 Third-party components. Some Downloadable Assets include, embed, or depend on components supplied by third parties. Those components remain the property of their respective owners and may be governed by their own licence terms, which are supplied with or referenced in the relevant asset. Where a third-party licence applies to a component, that licence governs your use of that component and you must comply with it. Future Builder claims no ownership of third-party components and gives no warranty in respect of them.

12A.10 Third-party platforms and integrations. Downloadable Assets may be designed to work with third-party products and services, including artificial intelligence tools, construction management software, accounting software, and customer relationship management systems. Your use of any such product or service is governed by your own separate agreement with that provider, and you are responsible for holding any subscription or licence required. Future Builder does not control those products and services and does not warrant their availability, accuracy, security, pricing, or continued compatibility. A Downloadable Asset may cease to function, in whole or in part, if a third-party provider changes, restricts, or withdraws its product, and Future Builder is not liable for any such change.

12A.11 Versions, updates, and support. Downloadable Assets are supplied as at the version supplied and on an “as is” and “as available” basis. Future Builder is under no obligation to maintain, update, correct, support, or continue to make available any Downloadable Asset, and may add, amend, replace, withdraw, or discontinue any Downloadable Asset at any time without notice. Access to new versions, corrections, fixes, and improvements is a benefit of current membership only.

12A.12 What happens when your membership ends. On expiry, cancellation, suspension, or termination of your membership for any reason:

(a) your licence to use every Downloadable Asset ends immediately;

(b) you must stop using every Downloadable Asset, including any adapted or derived version, and must remove each of them from every system, artificial intelligence tool, repository, device, and account within your possession or control;

(c) you must, if Future Builder asks, confirm in writing within fourteen (14) days that you have complied with paragraph (b);

(d) you cease to be entitled to any further version, update, correction, or support in respect of any Downloadable Asset; and

(e) any continued use of a Downloadable Asset after your membership ends is unlicensed and constitutes an infringement of Future Builder’s intellectual property rights. Future Builder acknowledges that it cannot technically recall files already downloaded. That fact does not limit the operation of this clause or excuse non-compliance with it.

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12A.13 Your own work product. Nothing in this section affects your ownership of, or your right to use, the quotations, estimates, records, documents, and other work product you generate for your own business using a Downloadable Asset, provided you comply with clause 12A.4. Future Builder claims no ownership of your work product or your business data.

12A.14 Breach. A breach of this section is a material breach of these Terms. Without limiting any other right or remedy, Future Builder may immediately suspend or terminate your access without refund, may require the return or destruction of Downloadable Assets, and may seek injunctive and other equitable relief. You acknowledge that damages alone may not be an adequate remedy for a breach of clause 12A.4.

12A.15 Survival. Clauses 12A.4, 12A.6, 12A.7, 12A.8, 12A.12, 12A.14, and this clause 12A.15 survive the expiry or termination of your membership.

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13. CONFIDENTIALITY

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13.1 You agree to keep confidential any information designated as confidential by Future Builder, or that you reasonably should understand to be confidential given the nature of the information and the circumstances of disclosure.

13.2 Confidential information includes but is not limited to: proprietary business frameworks, strategies, financial information, member data, and any content expressly marked as confidential.

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14. AI-POWERED PLATFORM AND DATA USE

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14.1 Alfie AI Platform. The Service includes access to Alfie, Future Builder’s AI-powered business companion. Alfie provides personalised insights, recommendations, and support based on your interactions with the Platform and the Service. The more you engage with the Platform, the more personalised and contextually relevant your Alfie experience becomes.

14.2 AI Training and Improvement. Your data is processed automatically by the Alfie software to deliver the platform’s features to you; this is core functionality. We do not use your individual data to train general-purpose AI models. We use only de-identified, aggregated information to improve the platform and to produce industry trend reporting that helps all builders — this never identifies you and never exposes any individual builder’s data.

14.3 Your Data Is Your Data. You own your data. We will never sell your data, and we will never share an individual member’s data with any third party, except: (i) trusted service providers who process data strictly on our behalf to operate the platform (for example, secure hosting and payment processing); (ii) where you give explicit consent; or (iii) where required by law.

14.4 Alfie Is AI — Always Verify. Alfie is an artificial-intelligence platform. While we work hard to make it accurate and useful, AI can and sometimes will get things wrong, produce incomplete or out-of-date information, or misunderstand your situation. You must independently check and verify anything Alfie tells you before relying or acting on it.

14.5 Accounting and Legal Matters. Alfie does not provide professional advice. Any Alfie output relating to accounting, tax, or financial matters must be checked with a qualified accountant, and any output relating to legal matters must be checked with a qualified lawyer, before you rely or act on it. Future Builder accepts no responsibility for decisions made on the basis of Alfie output that has not been independently verified by an appropriately qualified professional.

14.6 Security. We store your data encrypted and protect it following industry best practice, including encryption in transit (TLS 1.2 or higher) and at rest (AES-256).

14.7 Human Access on Mentor Calls. A Future Builder mentor or coach will only view your individual business data on a mentor or coaching call where you have opted in to share your current situation for that session. We do not browse your individual data outside of those opted-in sessions.

14.8 Consent. By subscribing to the Service, you consent to the de-identification and processing of content as described in this Section. If you do not consent, you must not subscribe to or use the Service.

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15. DISCLAIMERS

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15.1 General Disclaimer. The Service and all content and materials provided through it are offered on an “as is” and “as available” basis without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

15.2 No Professional Advice. All content, training, resources, and information provided through the Service is for general educational and informational purposes only. It does not constitute and must not be relied upon as professional advice of any kind, including but not limited to financial, legal, accounting, tax, engineering, architectural, building, construction, or psychological advice.

15.3 Seek Independent Advice. You acknowledge and agree that you must obtain independent professional advice from appropriately qualified and licensed practitioners before making any business, financial, legal, or personal decisions. Future Builder accepts no responsibility for decisions made or actions taken on the basis of information provided through the Service.

15.4 No Guarantee of Results. Future Builder makes no representations, warranties, or guarantees whatsoever regarding any outcomes, results, income, or benefits that any Member will or may achieve. Any examples, case studies, testimonials, or projections shared through the Service are illustrative only and do not constitute a promise or guarantee of similar results.

15.5 Service Availability. Future Builder does not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.

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16. LIMITATION OF LIABILITY

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16.1 To the maximum extent permitted by law, Future Builder, its directors, officers, employees, contractors, agents, affiliates, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of revenue, profits, business, anticipated savings, goodwill, or data, arising out of or in connection with your use of or inability to use the Service, whether based on contract, tort (including negligence), strict liability, or any other legal theory, even if Future Builder has been advised of the possibility of such damages.

16.2 To the maximum extent permitted by law, Future Builder’s total aggregate liability to you for all claims arising out of or in connection with these Terms or the Service is limited to the total Subscription Fees paid by you in the six (6) months immediately preceding the event giving rise to the claim.

16.3 Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Australian Consumer Law or any other applicable legislation that cannot be excluded, restricted, or modified by agreement.

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17. INDEMNIFICATION

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You agree to defend, indemnify, and hold harmless Future Builder, its affiliates, licensors, and service providers, and their respective directors, officers, employees, contractors, agents, and assigns from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to: your breach of these Terms; your use of the Service; your User Content; or your violation of any applicable law or the rights of any third party.

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18. TERMINATION BY FUTURE BUILDER

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18.1 Future Builder may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, effective immediately.

18.2 If Future Builder terminates your subscription without cause during the Commitment Period, no outstanding Monthly Fees for the remainder of the Commitment Period will be payable by you, and you will receive a pro-rata refund of any prepaid Subscription Fees for the unexpired portion of the then-current Billing Cycle.

18.3 If Future Builder terminates your subscription due to your breach of these Terms, no refund will be provided and any outstanding Monthly Fees for the remainder of the Commitment Period remain payable.

18.4 All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to: intellectual property, confidentiality, AI-powered platform and data use, disclaimers, limitation of liability, and indemnification.

19. PRIVACY

19.1 Your personal information is collected, used, and disclosed in accordance with our Privacy Policy, available at futurebuilder.co/privacy.

19.2 By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

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20. GOVERNING LAW AND JURISDICTION

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20.1 These Terms are governed by and construed in accordance with the laws of the State of Tasmania, Australia.

20.2 You agree that any legal action or proceeding arising out of or relating to these Terms or the Service shall be brought exclusively in the courts of Tasmania, Australia, or the Federal Court of Australia sitting in Tasmania.

20.3 You irrevocably submit to the exclusive jurisdiction of those courts and waive any objection to venue.

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21. CHANGES TO TERMS

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21.1 Our right to change these Terms. Future Builder may modify these Terms from time to time, acting reasonably and only to the extent reasonably necessary to reflect changes to the Service, our business or costs, the technology or third-party services we rely on, or any applicable law or regulatory requirement.

21.2 Minor changes. A change that does not materially and adversely affect your rights or obligations, including a correction, clarification, formatting change, or a change required by law, takes effect when the updated Terms are posted and the “Last Updated” date is revised.

21.3 Material changes. For any change that materially and adversely affects your rights or obligations, Future Builder will give you at least thirty (30) days’ written notice before the change takes effect. Notice will be sent to the email address recorded on your account, and the updated Terms will be posted with a revised “Last Updated” date.

21.4 Your right to reject a material change. If you do not accept a material change, you may terminate your membership by written notice given at any time before that change takes effect. Termination under this clause takes effect on the date the change would otherwise have taken effect. No early termination fee, and no Subscription Fees for the remainder of any Commitment Period, are payable, and Future Builder will refund on a pro-rata basis any Subscription Fees you have prepaid in respect of the period after termination. This clause applies despite any Commitment Period or minimum term.

21.5 Acceptance. If you continue to use the Service after a change has taken effect, you accept that change.

21.6 No retrospective effect. A change applies from its effective date onwards. It does not alter the rights or obligations of either party in respect of anything done, or any fee that fell due, before that date.

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22. GENERAL

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22.1 Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Future Builder relating to The Vault and supersede all prior or contemporaneous communications, proposals, and agreements, whether electronic, oral, or written.

22.2 Severability. If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

22.3 Waiver. No waiver by Future Builder of any term or condition shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of Future Builder to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

22.4 Assignment. You may not assign or transfer your subscription or any rights under these Terms without Future Builder’s prior written consent. Future Builder may assign its rights and obligations under these Terms without your consent.

22.5 Force Majeure. Future Builder is not liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond its reasonable control, including but not limited to natural disasters, pandemics, government actions, power outages, or internet disruptions.

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23. CONTACT US

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For any questions, cancellation requests, or concerns regarding these Terms, please contact us at:

Future Builder Co Pty Ltd ABN 87 670 515 796 Email: support@futurebuilder.co Website: futurebuilder.co