How we operate, legally.

01 · The headline disclaimer

02 · What we do

Documentary diagnostic

Nexes Sentinel reads documents you supply (insurance policy schedule, certificate of currency, WorkCover notice, payroll records, contractor agreements, etc.) and compares them against publicly available regulatory data. We surface inconsistencies, gaps, sub-limits, and known patterns of exposure.

Operational risk identification

We identify operational issues — wrong industry classifications, missing required cover elements, sub-limits that don't match stated activities, wage declarations inconsistent with workforce size. These are operational observations, not legal or financial conclusions.

Broker-ready / accountant-ready output

Every finding is cited from the source document and includes a recommended discussion point for your licensed professional. Your professional makes the call on what to do.

03 · What we do NOT do

04 · Why no AFSL is required for what we do

Under the Corporations Act 2001 (Cth) and ASIC Regulatory Guides 175 / 244, an AFSL is required to carry on a business of providing financial services, including dealing in financial products and providing financial product advice. Activities that do not require an AFSL include:

• Providing factual information about a financial product (e.g. quoting an existing policy schedule)
• Comparing data against publicly available regulatory standards (e.g. icare WIC schedules, Fair Work Modern Awards)
• Identifying operational inconsistencies in existing documents
• Generating diagnostic reports for review by a licensed professional

Nexes is an operational risk diagnostic service. Multiple Australian firms — including HR consultancies, risk consultants, and compliance review providers — operate in this lane without an AFSL. Nexes operates within the same scope of activity, with appropriate disclaimers.

05 · Cover Audit pricing & no-charge guarantee

Nexes Cover Audit operates on a see-before-you-buy basis:

1. The customer submits existing insurance documents to Nexes at no charge.
2. Nexes Sentinel scans the documents and Nexes provides a written summary of any material findings.
3. If material findings exist, the customer may purchase the full broker-ready report for AUD $349. No payment is required if the customer chooses not to purchase.
4. If no material findings are identified, no charge applies. Nexes will notify the customer and the audit terminates with no obligation on either party.

Final sale on the $349 unlock. Once the unlock fee is paid and the full report is delivered to the customer's nominated email address, the sale is final. The product is the report itself; once delivered, it cannot be returned. Refund requests for unauthorised or duplicate Stripe charges may be raised within 14 days at audit@nexes.com.au.

Other audit products: pricing and refund conditions specified on each individual product page at point of sale.

06 · Privacy & data handling

Documents you provide to Nexes for auditing are stored in our private operations environment for the duration of the audit + a 90-day retention period for refund / dispute resolution. After 90 days, all customer documents are deleted unless we are required to retain them by law.

Nexes uses Anthropic Claude API for AI processing. Documents may be transmitted to Anthropic for processing under Anthropic's commercial API terms (no training data retention, encrypted in transit and at rest).

For full privacy practice, see our forthcoming Privacy Policy. By submitting documents you consent to this handling.

07 · Limitation of liability

Nexes Sentinel reports are diagnostic in nature. They are based on documents supplied by the customer and on regulatory reference data current at time of audit. Nexes makes no representation or warranty that findings are exhaustive or that acting on findings will eliminate exposure.

To the maximum extent permitted by law, Nexes' total liability arising from any audit report is limited to the audit fee paid by the customer.

Customers must obtain advice from their own licensed professionals before acting on any finding. Nexes is not liable for any decision, action, or omission made by a customer or their professionals on the basis of an audit report.

08 · Operator entity

Nexes is a trading name of Ninth Gate Holdings Pty Ltd, ABN 41 693 266 465, registered in NSW, Australia.

Contact: hello@nexes.com.au

10 · Customer warranties

By submitting documents to Nexes for audit, the customer warrants that:

• They are the registered policyholder, ABN holder, or a duly authorised representative of the policyholder.
• They have the legal authority to disclose the documents to Nexes for the purpose of audit.
• The documents are genuine and have not been altered prior to submission.
• They are submitting on behalf of an Australian business that is currently operating.

11 · Indemnity

The customer indemnifies Nexes and its officers, employees, contractors, agents, and successors against any claim, loss, damage, fine, or expense (including reasonable legal costs) arising from:

• The customer's submission of documents that they did not have authority to disclose.
• Use of the audit report by the customer or any third party for any purpose beyond informing the customer's licensed broker, accountant, or solicitor.
• Any decision, action, or omission taken by the customer or their professionals on the basis of the audit report.
• Any breach of these terms by the customer.

12 · Acceptable use of the report

The audit report is licensed to the named customer for internal use within their business and for disclosure to their licensed insurance broker, accountant, or solicitor for the purpose of actioning findings.

The customer must not:

• Publish, republish, or distribute the report or its contents to the public or to any media outlet.
• Cite the report as evidence in any litigation, arbitration, regulatory proceeding, insurance claim, or formal dispute resolution process without Nexes' prior written consent.
• Use the report for any commercial purpose other than informing the customer's own business operations.
• Reverse-engineer, white-label, resell, or otherwise commercialise the report or its underlying methodology.

Any breach of this section terminates the licence to use the report immediately.

13 · No findings — no charge

If Nexes Sentinel scans the customer's documents and identifies no material findings, no charge is raised. The customer's documents are deleted in accordance with §06 (Privacy & data handling).

“Material finding” means a documentary inconsistency, gap, exclusion, sub-limit, wage mis-declaration, or operational mismatch that, in Nexes' reasonable opinion, warrants the customer's licensed broker's attention.

The determination of whether a finding is material rests with Nexes acting in good faith. The customer's recourse if they disagree is to seek a second opinion from a licensed insurance broker.

14 · Termination & decline of service

Nexes reserves the right to decline service, terminate an audit in progress, or refuse to deliver a report where:

• Documents supplied are incomplete, illegible, or insufficient to perform a meaningful audit.
• The customer's primary state of operation is outside NSW (current service area).
• The customer's business activity is in a regulated industry that Nexes does not currently audit.
• Nexes forms a reasonable suspicion of fraud, misrepresentation, document tampering, or abuse of the service.
• The customer has previously breached these terms.

Where Nexes terminates an engagement after the customer has paid the $349 unlock fee but before the report is delivered, Nexes will refund the unlock fee in full within 14 days.

15 · Governing law & dispute resolution

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

Any dispute arising from the engagement must first be raised in writing to disputes@nexes.com.au. Nexes will respond within 14 days.

If the dispute is not resolved within 30 days of the initial written notice, the parties agree to attempt good-faith mediation through a NSW-based commercial mediator before commencing court proceedings.

The non-exclusive jurisdiction for any court proceedings arising from these terms is the courts of New South Wales.

16 · Acceptance of these terms

By submitting documents through the Nexes Cover Audit intake form, the customer confirms they have read these terms in full and agree to be bound by them. The acceptance is evidenced by the customer ticking the “I agree to the Nexes Legal & Terms of Service” checkbox at submission.

If the customer does not agree to these terms, they must not submit documents and must not use the service.

17 · Changes to this page

We may update this page from time to time as our services evolve. Material changes are flagged at the top of this page. The version applicable to any given customer engagement is the version live at the time the customer submitted their intake. Last updated 12 May 2026.