Terms of service: Oakhampton AI Experts

Effective 12 November 2026. Version AIX-2026-11.

1. Who we are and when these terms apply

Oakhampton AI Experts (the Service) is provided by Oakhampton Capital Pty Ltd (ABN 58 684 868 915), Level 38, 71 Eagle Street, Brisbane QLD 4000 (Oakhampton, we, us). These terms apply when you create an account, use the Service through its website or API, or buy credits or a reviewed service. If you use the Service for an organisation, you confirm you are authorised to accept these terms for it, and "you" includes that organisation.

Some services are also covered by a written scope or engagement letter. If that document conflicts with these terms, the written scope applies for that service.

2. What the Service does

The Service gives you AI specialist assistance in four ways:

• Ask: answers to specialist questions, drawing on our curated source library and, where enabled, web sources, with citations where available.
• Deliver: calculations, spreadsheets, drawings, models, plans, rosters and other files produced by specialist software tools.
• Debate: several AI experts argue a question in rounds, followed by a summary verdict.
• Research: sourced research reports, with links checked where possible.

Reviewed services are priced and scoped separately and include review by a person before delivery. Features can change as the Service develops. We will not remove a feature you have already paid for during the period you paid for, without giving you a pro-rata credit.

3. Outputs are decision support, not professional advice

Outputs are produced by AI models and software tools. They can be incomplete, out of date or wrong, even when they cite sources and pass our automated quality review. Unless a reviewed service expressly says otherwise:

• outputs are not legal, financial, tax, accounting, engineering, medical, planning, valuation or other professional advice, and are not a substitute for a qualified professional who knows your circumstances;
• drawings, models, calculations and designs are not certified, are not issued for construction and must be checked by a suitably qualified person before use in any regulated, safety-critical or financial decision; and
• nothing in an output is a recommendation or offer to deal in any financial product.

You are responsible for deciding whether and how to rely on an output and for checking it against primary sources. Our quality review aims to withhold answers it cannot support; when it does, we tell you, and the credits used are handled under clause 5.

4. Your account

You sign in with a link sent to your email address. Keep access to that mailbox secure, because anyone who can read it can open your account. You must give accurate details, must be at least 18, and must not share an account between unrelated people. API keys are confidential: you are responsible for activity under your keys, and must tell us promptly at ops@oakhampton.ai if you think a key or your account has been compromised. During a private beta, access is by invitation and we may limit or end beta access at any time.

5. Credits, prices and payment

• Most tasks are paid for with prepaid credits. The credits each task type uses are shown in the Service before you start it. Larger tasks, such as long uploads, extra debate rounds or several tool runs, can use more credits, and we show the estimate before charging where we can.
• Prices are shown at checkout in the currency stated there. Payments are processed by our payment provider (currently Revolut). Oakhampton issues the tax invoice. Where GST applies, it is included in or added to the price as shown at checkout.
• Free or promotional credits have no cash value and may carry their own conditions.
• Purchased credits expire 12 months after purchase. Credits are not transferable and cannot be exchanged for cash, except as required by law.
• If a task fails because of a fault on our side, or our quality review withholds the answer, the credits for that task are returned to your balance.
• We may change prices for future purchases. A change does not affect credits you have already bought.

6. Refunds and your consumer rights

Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For a major failure you are entitled to cancel and receive a refund for the unused portion, or compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If a failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel and obtain a refund for the unused portion.

Apart from those rights and clause 5, we do not refund credits used on completed tasks or offer change-of-mind refunds. You may ask for a refund of unused purchased credits within 14 days of purchase, and we will grant it if fewer than 10% of that pack's credits have been used. To ask for a refund, write to ops@oakhampton.ai.

7. Your content and how we handle it

• Ownership. You keep ownership of the questions, documents and data you provide (Your Content). As between you and us, and to the extent any rights exist in them, you own the outputs generated for you. You give us a limited licence to process Your Content only to provide, secure and support the Service for you.
• Minimal storage. Uploaded document text is held in memory only while you work, for up to 4 hours, and is not written to our disk. Projects and debates are deleted 30 days after their last activity. We keep account, credit and billing records, and limited operational logs that do not contain document text, for as long as the law requires.
• AI providers. To answer, we send the relevant parts of Your Content to the AI model providers that power the Service (currently OpenAI and, where configured, models accessed through OpenRouter, which may process data in the United States). We use provider settings under which your data is not used to train their models where the provider offers that option. We do not use Your Content to train models.
• Your responsibilities. You must have the right to provide Your Content. Do not upload information you are not allowed to share, or personal or sensitive information about others, unless you have a lawful basis and any required consent. Do not upload material classified by a government.

Our Privacy Policy explains how we handle personal information.

8. Our source library and the Service

The Service, its software, expert designs, prompts and source library compilation belong to Oakhampton or its licensors. Sources in the library remain the property of their publishers and are used under their terms. You may use cited excerpts and outputs for your own internal and client work. You must not copy or export the library or the Service.

9. Acceptable use

You must not:

• use the Service to break the law, infringe anyone's rights, or produce material that is deceptive, defamatory, discriminatory or harmful;
• present an output as certified, professional or human-reviewed advice when it is not;
• try to get around credit metering, rate limits, access controls or quality review, or probe, scan or attack the Service;
• scrape the Service, extract the library or prompts in bulk, or use outputs to build a competing service; or
• resell access, or share API keys outside your organisation, without our written agreement.

We may suspend or limit an account where we reasonably believe these terms are being breached or the Service is at risk. Where it is practical and safe, we will tell you why first.

10. Availability and changes

We aim to keep the Service available, but it relies on third-party AI providers, hosting and networks, and may sometimes be slow, interrupted or unavailable. We may change these terms for the future. We will give at least 30 days' notice by email or in the Service of a change that materially reduces your rights. A change does not apply to credits bought or tasks started before it takes effect.

11. Liability

Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded. Subject to that:

• where we are permitted to limit our liability for a failure to comply with a consumer guarantee, our liability is limited, at our option, to supplying the service again or paying the cost of having it supplied again;
• we are not liable for loss arising from your reliance on an output without the independent checking described in clause 3, or for indirect or consequential loss, to the extent the law permits; and
• our total liability to you in connection with the Service is limited to the amount you paid us in the 12 months before the claim arose, to the extent the law permits.

The limits above do not apply to liability for fraud, or for death or personal injury caused by our negligence.

12. Ending your account

You can close your account at any time by writing to ops@oakhampton.ai. When you do, we delete your projects and stop processing. Unused purchased credits are refunded only as described in clause 6. We may close an account on 30 days' notice, or immediately for a serious breach. If we close your account other than for your breach, we refund unused purchased credits.

13. General

These terms are governed by the laws of Queensland, Australia, and the courts of Queensland have non-exclusive jurisdiction. If a part of these terms is unenforceable, the rest continues to apply. Notices to us go to ops@oakhampton.ai. Notices to you go to your account email.