The Financial Social Engine Service Terms

Effective date: 10 August 2026. Updated: 8 September 2026 (clauses 2.6, 3.1, 3.5, 6.5 and 8.2), effective for existing Clients 30 days after notice under clause 12.4.

Shishka Media (ABN 63 373 868 212) of the Gold Coast, Queensland, Australia ("Shishka", "we", "us") and the client named at sign-up ("Client", "you").

These terms take effect when you complete online sign-up, tick the acceptance box at checkout, or first pay a subscription fee, whichever occurs first (the "Commencement Date"). No signature is required.

1. Definitions

• "AFSL" means an Australian Financial Services Licence issued under the Corporations Act 2001 (Cth).
• "ACL" means an Australian Credit Licence issued under the National Consumer Credit Protection Act 2009 (Cth).
• "Approval" means the Client's confirmation, given through the review process in clause 4, that an item of Content may be published.
• "Connected Accounts" means the Client's own Instagram, Facebook and LinkedIn accounts, connected by client-authorised connection.
• "Content" means the social media posts, captions, images, carousels, lead magnets and related marketing materials produced under these terms.
• "Content Week" means one week of Content at the posting cadence of the Client's Tier (clause 2.2).
• "Content Batch" means the set of Content produced for the Client for a billing cycle, comprising four Content Weeks.
• "Content Doctrine" means the content standards set out in clause 5.2.
• "Fees" means the monthly subscription fees for the Client's selected tier, in Australian dollars.
• "Lead Magnet" means the evergreen downloadable resource included with the Growth Tier, either created by Shishka or supplied by the Client (clause 2.4).
• "Licensee" means the AFSL or ACL holder under which the Client operates, whether the Client itself or a third party licensee that has authorised the Client.
• "Scheduling Pool" means the portal area holding approved Content until the Client sends it off for scheduling and publication (clause 4.1).
• "Tier" means the service tier selected: Heartbeat, Presence, Authority or Growth.

The Client acknowledges that Shishka is a marketing agency. Shishka does not hold an AFSL or an ACL, is not a representative of any AFSL or ACL holder, does not provide financial product advice of any kind, and does not provide credit assistance within the meaning of the National Consumer Credit Protection Act 2009 (Cth).

2. The Service

2.1 Shishka provides a done-for-you social media content service, marketed as The Financial Social Engine (the "Service"), per the Client's selected Tier. All Tiers publish to the Client's own Connected Accounts on Instagram, Facebook and LinkedIn.

2.2 Content is produced and published to a weekly cadence. Tier inclusions:

Each billing cycle covers exactly four Content Weeks (clause 7.1). A billing cycle therefore includes 4 posts on Heartbeat, 12 posts on Presence, 20 posts on Authority (8 carousels, 6 photo posts and 6 text posts) and 24 posts on Growth (12 carousels, 6 photo posts and 6 text posts, published Sunday to Friday). On Heartbeat, the weekly post rotates across carousels, text posts and photo posts.

All Fees are in Australian dollars per month. GST, if applicable, is as stated at checkout.

2.3 The Service is productised, delivered through a defined process of briefing, production, screening, client review and scheduled publication on the weekly cadence above. Shishka may change its internal production methods at any time provided the deliverables and standards in these terms are maintained.

2.4 Lead Magnets. The Growth Tier includes one evergreen Lead Magnet, either created by Shishka or supplied by the Client. Content on the Growth Tier does not begin publishing until the Lead Magnet has been approved by the Client and is live. The Client's review obligations in clause 4 apply to the Lead Magnet and its delivery messages. The Client chooses the name of the Lead Magnet. Shishka does not screen that name, and the Client is responsible for it, including for any representation the name makes.

2.5 Comment-keyword lead capture. On the Growth Tier, Shishka operates an automated comment-keyword capture flow on the Client's Instagram and Facebook accounts only. Nothing is automated on LinkedIn. The flow operates as follows: when a person comments the keyword on a designated post (the keyword is set by Shishka and is currently SEND; the Client does not select it), an automated direct message asks the person to confirm they want the Lead Magnet; on confirmation, the person is sent a disclosure message explaining why and how their information will be collected, with a link to the applicable privacy policy, and the person chooses whether to continue; only if the person continues does the flow request their name, email address and phone number, with one correction prompt if a detail appears incomplete; the Lead Magnet is then sent in the same conversation. The first two messages in the flow tell the person they can reply STOP to opt out; a person may opt out at any point by replying STOP, and may opt back in by replying START. A STOP is applied to the channel it was sent on. On channels that support a formal do-not-disturb state, including Facebook, email and SMS, that state is set in the connected CRM. Instagram provides no equivalent function, so the person is marked in the CRM instead and all automated messaging to them stops, including if they comment the keyword again on a later post. Once a person has replied STOP, any further contact with that person is the Client's own conduct and the Client's responsibility, and the Client is responsible for checking the conversation history before contacting anyone captured through the flow. Shishka is not liable for contact the Client or its representatives make after a STOP. The keyword comment authorises the fulfilment conversation only; it is not consent to ongoing marketing, which requires the person's separate express opt-in. The automated flow delivers the requested resource and may offer a booking link for a conversation with the Client; it never names, offers, quotes or invites applications for any financial product or credit product, and the Client must not request configurations that would cause it to do so. No conversational AI assistant operates in the flow, and no automated follow-up messaging is included in the Service.

2.6 Support. Support is provided through the portal and by email. Shishka does not offer a response-time service level.

2.6 Production methods, including artificial intelligence. Shishka produces Content with automated systems, including generative artificial intelligence services from the providers named in the Privacy Policy, operating under Shishka's production rules and the Content Doctrine in clause 5.2. Every item of Content is screened by Shishka's controls and is published only after the Client's Approval under clause 4. The Client acknowledges that Content is produced in this way.

3. Onboarding obligations

3.1 The Client must complete brand onboarding before production begins: (a) brand assets (logo, colours, fonts as uploaded font files or as a web-font project the Client holds, approved imagery, any brand guidelines); (b) the discovery questionnaire, including licence type and numbers, the authorisations the licence carries, the product classes it covers, any prescribed warning wording, and any Licensee-imposed marketing restrictions or pre-approval requirements; and (c) connection of the Connected Accounts. Content is produced only within the product classes and authorisations disclosed under (b).

3.2 Social account connection is made by the Client authorising access through the platforms' own authorisation process. Shishka never asks for, receives or stores passwords. The Client may revoke the connection at any time.

3.3 Production timelines depend on onboarding being complete. Delays caused by incomplete onboarding do not extend a billing cycle or entitle the Client to a refund for that cycle.

3.4 Licence changes. The Client must promptly notify Shishka of any change to its Licensee arrangements, marketing sign-off requirements, or AFSL or ACL status relevant to the Service. On notification of a change that affects Content, Shishka pauses publishing while the Client's details and any affected unpublished Content are updated. Updated Content requires fresh Approval before it can publish.

3.5 Production timing. Shishka uses reasonable efforts to have each Content Week ready for review ahead of its publication dates. Production timing is not guaranteed. Where production is delayed for reasons within Shishka's control, Shishka will complete the affected Content as soon as practicable; subject to clause 11, delay alone does not entitle the Client to a refund and does not extend a billing cycle.

4. The approval model

4.1 Manual approval on every post. Every item of Content requires the Client's Approval before it can publish. There is no automatic or deemed approval of any kind. Content is presented in the portal for review; the Client approves or flags each item. Approval moves an item into the Scheduling Pool. Sending Content off for scheduling and publication is a second, deliberate step: the Client chooses when to send approved Content from the Scheduling Pool, and which approved items to send. Nothing is scheduled or published until the Client has given Approval and sent the Content off from the Scheduling Pool.

4.2 Client warranty of authority. The Client warrants that it has authority, as an AFSL or ACL holder or as an authorised representative or credit representative acting under and with the consent of its Licensee, to review and approve promotional material for publication, and that its Approval of Content constitutes compliance sign-off by or on behalf of the Licensee. Where the Client has disclosed that its Licensee requires pre-approval of marketing, the Client further warrants that any required Licensee pre-approval has been obtained before release.

4.3 Flagged items. A flagged item is held out of publishing, amended in accordance with Shishka's production rules, and returned to the Client for fresh Approval. One flagged item does not hold up the remainder of the batch. If a flagged item's original publishing slot has passed when it is re-approved, it is rescheduled to the next available slot. The Service does not include open-ended revision rounds; the approve-or-flag gate is the control mechanism.

4.4 Declined items. The Client may decline an item outright. Declined items are withdrawn and are not published. Declining an item does not create an entitlement to a credit or refund.

4.5 Unreviewed items. Content the Client has not approved is simply not published. Fees remain payable while Content awaits the Client's review, and review delays do not extend a billing cycle.

4.6 Approval records. Shishka keeps records of each Approval, each flag and amendment, the Content approved, and publication history, and will make these available to the Client or its Licensee on reasonable request.

5. Compliance responsibilities

5.1 Shishka's role. Shishka is a white-label marketing agency. Nothing in the Content or the Service constitutes financial product advice, personal advice, a recommendation in relation to any financial product, or credit assistance or suggestion within the meaning of the National Consumer Credit Protection Act 2009 (Cth). Shishka's role is limited to producing general-information marketing content for the Client's review and approval.

5.2 Content Doctrine. Shishka produces Content to the following standards: (a) general information only, drawn from public, well-known information; (b) no personal advice; (c) no financial product recommendations; (d) no promises or guarantees of performance, returns or outcomes; (e) no fabricated statistics; any figure used must be publicly available and verifiable; (f) no content prompting superannuation switching; (g) screening of every string against the advice boundary in tiers: content that prompts consideration of a topic is treated as general information, content expressing an opinion on the merits of a class of products carries a general advice warning in the caption, content steering toward a particular product or implying suitability for the reader is not published, and borderline content is treated as the stricter tier; (h) past-performance content only in accordance with ASIC Regulatory Guide 234 (as reissued 9 June 2026, consolidating the withdrawn RG 53), including an appropriate warning and current data; and (i) for a Client operating under an ACL: no suitability or approval claims (including "pre-approved" or "guaranteed approval"), no general advice warnings (which have no application to credit content), and any stated rate accompanied by a comparison rate as required by the National Credit Code. Financial services content and credit content are screened under separate rule sets.

5.3 Client and Licensee responsibility. The Client and its Licensee are solely responsible for the regulatory compliance of all Content the Client approves, including compliance with the Corporations Act 2001 (Cth), the National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code where applicable, ASIC Regulatory Guide 234, the conditions of the relevant AFSL or ACL, and any Licensee marketing standards. Shishka's production of Content to the Content Doctrine is not legal or compliance advice and does not relieve the Client or its Licensee of this responsibility.

5.4 Compliance pause. Either party may pause publication immediately, by written notice, where it reasonably considers a compliance concern exists. Without limitation, publication pauses immediately on: (a) the Client's request for compliance reasons; (b) notice that the relevant AFSL or ACL is suspended, cancelled or subject to conditions affecting promotion; or (c) Shishka forming a reasonable view that continued publication may involve a breach of law. Fees continue during a pause requested by the Client unless agreed otherwise. A pause initiated by Shishka under (c) continuing more than 30 days entitles the Client to terminate under clause 10.

5.5 The Client must not edit approved Content after publication in a way that would take it outside the Content Doctrine while it remains attributable to work produced under these terms.

5.6 No certification. Shishka screens Content and raises points; it does not certify compliance. No feature of the Service, the portal or any report is, or may be described as, a representation that Content is compliant with any law, licence condition or regulatory guide. A screening result showing no findings means only that Shishka's systems did not detect an issue, and the Client must still conduct its own review.

6. Content and intellectual property

6.1 On payment of the Fees for the relevant cycle, Shishka grants the Client a perpetual, non-exclusive, royalty-free licence to use, reproduce and display the published Content from that cycle for the Client's business marketing purposes. Published Content and the Client's social media accounts remain the Client's, and cancellation does not affect them.

6.2 Shishka retains ownership of all methods, processes, templates, frameworks, briefs, style systems and know-how used to produce the Content, and of any unpublished or rejected drafts.

6.3 The Client grants Shishka a licence to use its brand assets solely to deliver the Service. Shishka may identify the Client as a client and display published Content in its portfolio unless the Client opts out in writing.

6.4 The Client warrants that supplied materials do not infringe third-party rights.

6.5 Web-font projects. Where the Client supplies a web-font project (for example an Adobe Fonts web project) instead of font files, the Client warrants that the project is held under the Client's own active subscription and that the Client is entitled to use the fonts it contains for the Client's own marketing, and authorises Shishka, as the Client's agent and solely to produce the Client's Content, to load that project each time Content is rendered. Shishka stores only the project identifier and never stores, copies or redistributes font files. The Client must keep the subscription active; if the project stops serving, production of Content that depends on it pauses until the project is restored or a replacement font is supplied, and clause 3.3 applies.

7. Fees and billing

7.1 Fees are payable as a monthly subscription in advance, in Australian dollars, collected through Stripe, Shishka's payment processor, on the same day of each month as the Commencement Date (or the nearest available day). Each billing cycle purchases exactly four Content Weeks of the Client's Tier. Content Weeks run consecutively except while the Service is paused under these terms.

7.2 The Client may cancel at any time by written notice or in the portal. Cancellation takes effect at the end of the then-current billing cycle, at which point the Service pauses: production and publishing stop, and the Client's account, records and data are retained in accordance with clause 10.5 and the Privacy Policy so the Service can resume if the Client returns. Advance Fees for that cycle are not refundable except as required by law.

7.3 If Fees are unpaid when due, Shishka may suspend production and publishing until payment is received. Suspension for non-payment does not extend the billing cycle. If Fees remain unpaid 14 days after written notice, Shishka may terminate under clause 10.

7.4 Tier changes. The Client may change Tier at any time. A change takes effect from the start of the next billing cycle and does not vary the deliverables of the cycle already purchased, so a Tier taken up mid-cycle does not add or remove Content in that cycle.

7.5 Shishka may vary Fees on at least 30 days' written notice, effective from the next billing cycle after the notice period. If the Client does not accept, it may cancel effective at the end of the current cycle.

8. Social platform dependencies

8.1 The Service depends on third-party platforms. The Client acknowledges: (a) platform authorisations expire from time to time and the Client must complete a reconnection when prompted; (b) platform policies, features and content rules may change without notice; (c) outages, account restrictions and platform terms changes are outside Shishka's control; and (d) Shishka is not liable for non-publication caused by expired authorisations the Client has not renewed, platform changes, or outages, though Shishka will use reasonable efforts to reschedule affected Content.

8.2 Third-party font and imagery services. Fonts and imagery used in Content are loaded or generated at production time from third-party services named in the Privacy Policy (including Google Fonts and, where the Client supplies a web-font project, Adobe Fonts). Those services' availability and terms are outside Shishka's control, and clause 8.1(c) and (d) apply to them.

9. Confidentiality and privacy

9.1 Each party must keep the other's non-public business information confidential and use it only to perform these terms, except where public through no breach, independently developed, or required to be disclosed by law or a regulator. This clause survives termination for 3 years.

9.2 Each party must comply with the Privacy Act 1988 (Cth). Shishka handles personal information per its Privacy Policy, including personal information of leads captured through clause 2.5, which Shishka handles on the Client's behalf. The Client is responsible for its own privacy obligations to leads generated through the Service.

10. Term and termination

10.1 These terms start on the Commencement Date and continue month to month until terminated.

10.2 Either party may terminate for convenience effective at the end of the then-current billing cycle.

10.3 Either party may terminate immediately if the other: (a) commits a material breach not remedied within 14 days of notice; (b) becomes insolvent or ceases business; or (c) in the Client's case, has its (or its Licensee's) AFSL or ACL suspended or cancelled.

10.4 The Client may terminate immediately if a Shishka-initiated compliance pause under clause 5.4(c) continues more than 30 days.

10.5 On cancellation or termination: scheduled unpublished Content is withdrawn; the clause 6.1 licence continues for Content already paid for and published, and published Content and the Client's social media accounts remain the Client's; Shishka disconnects from the Connected Accounts on termination or on the Client's request; and each party returns or destroys the other's confidential information on request, except records retained under clause 4.6, Client account and lead data retained under the Privacy Policy so the Service can resume, or records required to be kept by law. On the Client's written request at any time, Shishka will delete the Client's retained account and lead data, other than records required to be kept by law and the approval and publication records kept under clause 4.6.

11. Limitation of liability

11.1 Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law that cannot lawfully be excluded.

11.2 Where Shishka may limit liability for a failure to comply with a consumer guarantee, its liability is limited, at its option, to resupplying the services or paying the cost of resupply.

11.3 Subject to 11.1 and 11.2, and to the maximum extent permitted by law, each party's total aggregate liability is capped at the Fees paid in the 3 months before the event giving rise to the claim, and neither party is liable for loss of profit, revenue or data or indirect or consequential loss.

11.4 Shishka gives no guarantee of marketing results, follower growth, engagement, lead volume or revenue.

11.5 The Client indemnifies Shishka against third-party claims and regulatory action arising from the Client's approval or publication of Content in breach of the Client's or its Licensee's regulatory obligations, except to the extent caused by Shishka's breach.

12. General

12.1 Assignment. The Client may not assign without Shishka's written consent, not unreasonably withheld. Shishka may assign to a related body corporate or on a sale of business, with notice.

12.2 Notices. In writing by email: to Shishka at hello@shishkamedia.com; to the Client at the sign-up email. Received the business day sent if before 5.00 pm recipient time, otherwise the next business day.

12.3 Entire agreement. These terms, the sign-up/order details and the Privacy Policy are the entire agreement.

12.4 Variation. Shishka may vary these terms on 30 days' written notice; continued use after the notice period is acceptance. Fee variations follow clause 7.4.

12.5 Severability. Unenforceable provisions are severed; the rest remains in force.

12.6 No partnership. The parties are independent contractors. Nothing appoints Shishka as a representative of the Client or its Licensee for the purposes of the Corporations Act 2001 (Cth) or the National Consumer Credit Protection Act 2009 (Cth).

12.7 Governing law. Queensland, Australia; non-exclusive jurisdiction of Queensland courts.

Shishka Media ABN 63 373 868 212. Contact: hello@shishkamedia.com.