Terms & Conditions

1. About the Website

• (a) Welcome to www.harishabib.au (Website). The Website provides Personal blog and portfolio featuring articles, insights and commentary on artificial intelligence, financial technology (Fintech) and regulatory technology (RegTech) in Australia, with newsletter subscription services (Services).
• (b) The Website is operated by Haris Habib (ABN 88 489 182 057). Access to and use of the Website, or any of its associated Products or Services, is provided by Haris Habib. Please read these terms and conditions (Terms) carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website, or any of the Services, immediately.
• (c) Haris Habib reserves the right to review and change any of the Terms by updating this page at its sole discretion. When Haris Habib makes material changes to the Terms, we will provide you with at least 14 days' prior notice by publishing the updated Terms on this Website or via email where appropriate. If you do not agree to the varied Terms, you may terminate your agreement and cease using the Website and Services before the changes take effect. Your continued use of the Website and Services after the notice period constitutes acceptance of the varied Terms.

2. Acceptance of the Terms

You accept the Terms by remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by Haris Habib in the user interface.

3. Copyright and Intellectual Property

• (a) The Website, the content and all of the related products of Haris Habib are subject to copyright. The material on the Website is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the content and compilation of the Website (including but not limited to text, graphics, logos, button icons, video images, audio clips, Website code, scripts, design elements and interactive features) or the content are owned or controlled for these purposes, and are reserved by Haris Habib or its contributors.
• (b) All trademarks, service marks and trade names are owned, registered and/or licensed by Haris Habib, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are a Member to:
  • (i) use the Website pursuant to the Terms;
  • (ii) copy and store the Website and the material contained in the Website in your device's cache memory; and
  • (iii) print pages from the Website for your own personal and non-commercial use.

  Haris Habib does not grant you any other rights whatsoever in relation to the Website or the content. All other rights are expressly reserved by Haris Habib.

• (c) Haris Habib retains all rights, title and interest in and to the Website and all related content. Nothing you do on or in relation to the Website will transfer any:
  • (i) business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright, or
  • (ii) a right to use or exploit a business name, trading name, domain name, trade mark or industrial design, or
  • (iii) a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process),

  to you.

• (d) You may not, without the prior written permission of Haris Habib and the permission of any other relevant rights owners: broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the content or third party content for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Website, which are freely available for re-use or are in the public domain.

4. Privacy

Haris Habib takes your privacy seriously and any information provided through your use of the Website and/or content are subject to Haris Habib's Privacy Policy, which is available on the Website.

5. General Disclaimer

• (a) Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.
• (b) Subject to this clause 5, and to the extent permitted by law:
  • (i) all terms, guarantees, warranties, representations or conditions which are not expressly stated in the Terms are excluded; and
  • (ii) Haris Habib will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the content or these Terms (including as a result of not being able to use the content or the late supply of the content), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise.
• (c) Use of the Website and the content is at your own risk. Everything on the Website and the content is provided to you "as is" and "as available" without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors and licensors of Haris Habib make any express or implied representation or warranty about the content or any products or content (including the products or content of Haris Habib) referred to on the Website. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:
  • (i) failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records;
  • (ii) the accuracy, suitability or currency of any information on the Website, the content, or any of its content related products (including third party material and advertisements on the Website);
  • (iii) costs incurred as a result of you using the Website, the content or any of the products of Haris Habib; and
  • (iv) the content or operation in respect to links which are provided for your convenience.

6. Limitation of Liability

• (a) Haris Habib's total liability arising out of or in connection with the content or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the content to you.
• (b) You expressly understand and agree that Haris Habib, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential, or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), loss of goodwill or business reputation, loss of data, system downtime, transaction failures, security vulnerabilities, or operational business interruptions, and any other intangible loss.
• (c) You acknowledge and agree that Haris Habib holds no liability for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you as a result of providing your content to the Website.

7. Termination of Contract

• (a) If you want to terminate the Terms, you may do so by providing Haris Habib with 30 days' notice of your intention to terminate by sending notice of your intention to terminate to Haris Habib via the 'Contact Us' link on our homepage.
• (b) Haris Habib may at any time, terminate the Terms with you if:
  • (i) you have breached any provision of the Terms or intend to breach any provision;
  • (ii) Haris Habib is required to do so by law;
  • (iii) Haris Habib is transitioning to no longer providing the Services to Members in the country in which you are resident or from which you use the service; or
  • (iv) the provision of the Services to you by Haris Habib, is in the opinion of Haris Habib, no longer commercially viable.
• (c) Subject to local applicable laws, Haris Habib reserves the right to discontinue or cancel your access, or suspend or deny your access to all or any portion of the Website or the Services, acting reasonably and proportionately, and upon providing you with reasonable prior notice. We may suspend or deny access without prior notice only where we reasonably determine it is necessary to protect the security, integrity, or legal safety of the Website, Services, Haris Habib, or third parties, or to comply with a legal obligation.
• (d) When the Terms come to an end, all of the legal rights, obligations and liabilities that you and Haris Habib have benefited from, been subject to (or which have accrued over time whilst the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by this cessation, and the provisions of this clause shall continue to apply to such rights, obligations and liabilities indefinitely.

8. Indemnity

You agree to indemnify Haris Habib, its affiliates, employees, agents, contributors, third party content providers and licensors from and against:

• (a) all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred, suffered or arising out of or in connection with your content;
• (b) any direct or indirect consequences of you accessing, using or transacting on the Website or attempts to do so;
• (c) any content, comment, material or communication you submit, post or send to Haris Habib or the Website, and any claim by a third party arising from it (including any claim of defamation, infringement of intellectual property, or breach of privacy); and/or
• (d) any breach of the Terms.

This indemnity is reduced to the extent that any loss or damage is caused by the negligence or wilful misconduct of Haris Habib, and does not apply to any liability that cannot be excluded or limited by law, including under the Australian Consumer Law.

9. Dispute Resolution

10. Venue and Jurisdiction

The Services offered by Haris Habib is intended to be viewed by residents of Australia. In the event of any dispute arising out of or in relation to the Website, you agree that the exclusive venue for resolving any dispute shall be in the courts of New South Wales, Australia.

11. Governing Law

The Terms are governed by the laws of New South Wales, Australia. Any dispute, controversy, proceeding or claim of whatever nature arising out of or in any way relating to the Terms and the rights created hereby shall be governed, interpreted and construed by, under and pursuant to the laws of New South Wales, Australia, without reference to conflict of law principles, notwithstanding mandatory rules. The validity of this governing law clause is not contested. The Terms shall be binding to the benefit of the parties hereto and their successors and assigns.

12. Severance

If any part of these Terms is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed and the rest of the Terms shall remain in force.

13. Opinion and Editorial Content

• (a) All content on this Website represents the personal views, opinions and commentary of Haris Habib on matters of public interest, and is published in good faith. Unless expressly stated as a verified fact, content should be read as opinion, analysis, satire or speculation — and as the honest opinion of the author — not as statements of fact about any person, company, product or organisation.
• (b) Any opinion expressed on this Website is the honest opinion of Haris Habib, relates to a matter of public interest, and is based on proper material — that is, on facts that are stated or referred to in the relevant content, are notorious, or are otherwise available to the author and reasonably believed to be substantially true at the time of publication. This clause is intended to engage, without limitation, the defence of honest opinion under the Defamation Act 2005 (NSW) and equivalent legislation in other Australian jurisdictions.
• (c) Opinions may be subjective, may be contestable, and may change without notice. Commentary that refers to or names any person, company, product or organisation is offered as honest opinion on a matter of public interest and is not intended, and should not be construed, to convey any defamatory imputation about, or to disparage or misrepresent, any person or entity.
• (d) Where any content states a matter as fact, it reflects information reasonably believed to be accurate and current at the time of publication. Facts may later prove incomplete, outdated or incorrect. If you consider any factual statement to be inaccurate, you are encouraged to raise it under clause 16 so it can be reviewed and, where appropriate, corrected.

14. Personal Views Only

The views expressed on this Website are those of Haris Habib personally and do not represent the views, positions or policies of any employer, client, partner or organisation with which Haris Habib is or has been affiliated.

15. Third-Party Names, Trademarks, and Technology

References on this Website to third-party names, trademarks, products, code libraries, cloud services, API endpoints, or software tools are made for identification, commentary, and informational purposes only. Such references do not imply any endorsement, sponsorship, affiliation, or partnership, and all such trademarks remain the property of their respective owners. Where this Website links to external websites, those links are provided for convenience only and Haris Habib does not endorse, and is not responsible for, the content of any linked site.

Haris Habib makes no representations or warranties regarding the performance, safety, compliance, or reliability of any third-party tools, libraries, or services discussed or recommended on this Website. Your evaluation, selection, and use of any third-party technology is conducted entirely at your own risk and subject to the terms of those third parties.

16. Corrections, Complaints and Takedown (Concerns Notice)

• (a) If you believe any content on this Website is inaccurate, misleading, infringes your rights, or unfairly or defamatorily refers to you, you must first notify Haris Habib in writing at [email protected] before commencing any court, tribunal or other formal proceedings (except where urgent interlocutory relief is genuinely required).
• (b) Your notice (which, in the case of an alleged defamatory publication, should be a concerns notice for the purposes of the Defamation Act 2005 (NSW)) must specify: the URL or location of the content; the precise words or material complained of; the imputations or inaccuracies you say arise; and, if defamation is alleged and reasonably available to you, the serious harm you say has been or is likely to be caused.
• (c) Haris Habib will review the matter in good faith and, within a reasonable period (and in any event consistent with any applicable statutory period for responding to a concerns notice), may correct, update, clarify, annotate or remove the content, and/or make an offer to make amends. Taking any such step is not, and must not be treated as, an admission of liability, fault or wrongdoing.
• (d) You agree to allow Haris Habib this reasonable opportunity to respond and, where appropriate, to resolve the matter before incurring or claiming any costs or commencing any proceedings.

17. AI-Assisted Content

Some content, analysis, or technical summaries on this Website may be produced, edited, or assisted using generative artificial intelligence tools. Such content may contain errors, inaccuracies, inconsistencies, or outdated information, and is provided subject to the general disclaimers in these Terms. Haris Habib does not represent or warrant the accuracy, safety, or suitability of any AI-assisted content. Readers should independently verify all information and consult qualified professionals before relying on it. To the maximum extent permitted by law, Haris Habib disclaims all liability for any loss, damage, or disruption resulting from any errors or inconsistencies in AI-assisted content.

18. Australian Consumer Law

• (a) Certain rights, guarantees and remedies are conferred on you by the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) and other laws, and cannot be excluded, restricted or modified (Non-excludable Rights). Nothing in the Terms excludes, restricts or modifies any Non-excludable Right.
• (b) To the maximum extent permitted by law, and subject to any Non-excludable Rights, Haris Habib's liability for a failure to comply with a consumer guarantee (other than a guarantee as to title, undisturbed possession or undisclosed securities) is limited, at Haris Habib's option, to the re-supply of the relevant content or services, or the payment of the cost of having the relevant content or services re-supplied.
• (c) Except for the Non-excludable Rights, all terms, guarantees, warranties, representations and conditions that would otherwise be implied into the Terms are excluded to the maximum extent permitted by law.

19. Acknowledgement and No Reliance

• (a) You acknowledge and agree that the content on this Website is general in nature, is provided for information and commentary only, and does not take into account your particular objectives, circumstances or needs.
• (b) No professional, advisory, client, fiduciary or other special relationship is created between you and Haris Habib by your access to or use of the Website or the content, and you must not act, or refrain from acting, in reliance on any content without first obtaining your own independent professional advice.
• (c) You agree that, in entering into the Terms and using the Website, you have not relied on any representation, statement or warranty made by or on behalf of Haris Habib that is not expressly set out in the Terms.

20. Educational and Informational Purpose Only — No Advice

All content, materials, articles, opinions, and analysis published on this Website, including any newsletters, emails, or communications sent to you by Haris Habib (collectively, the Content), are provided solely for general educational, research, and informational purposes. The Content represents the personal opinions and commentary of Haris Habib only and is not intended, and must not be construed, as financial, investment, legal, compliance, tax, or other professional advice of any sort.

Haris Habib does not hold any license, qualification, or authority to provide financial, investment, legal, or professional advisory services. Nothing on this Website creates a client-advisor, professional, fiduciary, or other special relationship between you and Haris Habib.

The information and opinions contained in the Content are subjective, may be contestable, and are subject to change without notice. While we endeavour to provide accurate and useful information, the Content may be incomplete, incorrect, or out of date. You must not act, or refrain from acting, in reliance on any Content on this Website. Any reliance you place on the Content is strictly at your own sole risk. You are solely responsible for conducting your own independent research and seeking qualified professional advice tailored to your individual circumstances before making any financial, investment, legal, or business decisions.

To the maximum extent permitted by law, and subject only to any Non-excludable Rights under the Australian Consumer Law, Haris Habib disclaims all liability, loss, or damage of any kind (including direct, indirect, special, or consequential loss) arising out of or in connection with your access to, use of, or reliance upon the Website or any Content.

21. Code Snippets, Diagrams, and Technical Patterns License

Any source code, scripts, configuration files, architecture diagrams, technical templates, or system design patterns provided on this Website (collectively, Technical Materials) are provided strictly on an "as-is" and "as-available" basis. Haris Habib grants you a non-exclusive, royalty-free, revocable license to view, copy, and adapt the Technical Materials for your personal or internal business use.

To the maximum extent permitted by law, the Technical Materials are provided without any warranty of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, non-infringement, security, or accuracy. You assume all risk and liability associated with your use, modification, integration, or deployment of the Technical Materials. Haris Habib will not be liable for any system failure, data loss, security vulnerability, or production issues resulting from your use of the Technical Materials.