CR&CO

Terms of Service

Entity: CR&CO — Proudly family owned & operated • Sole Trader (QLD, Australia)

ABN: 47 685 207 192

Effective: 21 September 2025

Contacts: support@crnco.com.au • privacy@crnco.com.au

Linked Policies: Privacy Policy • Code of Conduct

Plain-English note: This document is written to be clear and readable. It is not legal advice. Nothing here limits non-excludable rights (for example, under the Australian Consumer Law).

0) Acceptance of these Terms

By clicking “I agree”, creating an account, or using CR&CO (the “Service”), you enter a binding agreement with CR&CO under these Terms. “Service” means CR&CO’s online platform, website (crnco.com.au), mobile applications, and any related digital or physical products/services provided by CR&CO. If you do not agree, do not use the Service.

For minors, the Responsible Adult (defined below) accepts these Terms on the child’s behalf. We may update these Terms; the new effective date will appear above. Continued use after changes = acceptance. For material changes affecting rights or obligations, we will provide at least 30 days’ notice by email to your registered email address and/or a prominent in-service notice. Electronic acceptance (checkbox, button press, or continued use) is your electronic signature.

1) Business Status (Not a Charity)

CR&CO is not a charity, not a DGR, and not a trustee, fiduciary, payment facilitator, or escrow for users. We provide software tools and our own paid products/services (e.g., Pet Tags, Universal Tags including Memorials/Exhibitions, Subscriptions, Peer Support Tokens).

2) Who Can Use the Service (Eligibility)

• Adults (18+): May open an account after identity verification (KYC).
• Minors (under 18): May use the Service only through an account created and supervised by a verified parent/caregiver/legal guardian (the Responsible Adult). The adult is the legal account holder, accepts these Terms, and is fully responsible for the child’s use at all times.
• You must provide accurate information, keep your login secure, and you are responsible for activity on your account.
• We may refuse, suspend, or close accounts to protect users, comply with law, prevent fraud/abuse, or maintain platform integrity.

3) Identity, Safety & Compliance

• Adults must complete identity verification. Children do not provide ID.
• We may request re-verification to meet legal obligations (e.g., AML/CTF), address risk/fraud, or prevent abuse.
• You must not use the Service in violation of sanctions, export controls, or AML/CTF rules (including Australian, U.S., U.K., and EU laws). We may restrict access where required by law.

4) Minors, Supervision & Defaults

• Child profiles are private by default. The Responsible Adult sets privacy/sharing, approves public posting, and may remove the child’s access at any time.
• Zero tolerance for sexualisation or exploitation of children, grooming, endangerment, or attempts to contact minors outside approved channels. We maintain moderation systems, reporting mechanisms, and will retain evidence as required by law to support investigations.
• The Service is not an emergency, clinical, or counselling service.

5) Support Payments vs Boosts

Support Payments (open to all): Public campaigns may receive monetary support from anyone, including non-members. Support payments are processed exclusively by Stripe with the current revenue split (e.g., 80% to the campaign owner, 20% to CR&CO). Support payments are not tax-deductible donations and are not managed by CR&CO beyond processing via Stripe.

Boosts (in-house only): Boosts are an internal CR&CO feature available only to registered clients. Boosts are processed through Stripe with the same revenue split. In addition to supporting creators, boosts may unlock in-platform perks for spenders (e.g., profile customisation, styled usernames, premium posting boards). Boosts have no cash value, are non-transferable, and are non-refundable except as required by law. Boosts are not available to non-members or external visitors.

Payments arranged outside the CR&CO system (e.g., direct transfers, PayPal, cash) are outside CR&CO’s systems and are not tracked, split, recognised, or supported by CR&CO.

5A) Public vs Private Content & Supporter Access

Campaign owners control what they share. By default, campaign content is private. Owners may:

Campaign owners may also choose whether to allow other CR&CO clients to Connect with their journey. A “Connect” request must be approved by the campaign owner. Once approved, the relationship is shown as Connected. Connections provide access to updates and recognition within CR&CO and do not expose private data. Owners can withdraw or limit Connections at any time.

Unregistered visitors cannot Connect but may react with CR&CO-provided emoji and may provide Support Payments on public campaigns.

5B) Content Sharing, Expression & Code of Conduct

Creators may share campaign content to external platforms. Campaign earnings, boosts, and growth metrics count only within CR&CO.

We recognise that personal journeys can involve sensitive or difficult topics. CR&CO allows creators to share their experiences, provided they do not breach our Code of Conduct. We do not tolerate harassment, bullying, hate speech, or targeted attacks. Anyone engaging in harmful conduct within CR&CO may face feature limits, suspension, or account removal at our discretion. We uplift, not break down.

Sensitive content: Creators must tag sensitive or adult-themed content appropriately. We may limit visibility or access to comply with applicable laws or platform policies (for example, age-appropriate gates).

Creators remain responsible for ensuring their content complies with law and these Terms. We may moderate or remove content that poses safety risks, violates law, or breaches our Code of Conduct.

6) What CR&CO Does Process (Only Our Own Products)

We only process payments for CR&CO’s own offerings:
• Pet Tags
• Universal Tags (including Memorial Tags, Exhibitions, and other recognition uses)
• Subscriptions (platform plans)
• Peer Support Tokens (a platform feature; not a financial product, has no cash value, and is non-redeemable and non-transferable except as the platform allows)

7) Payments, Fees & Taxes (ATO & Global)

• Payments/payouts that we process (our items above) are handled by third-party providers (e.g., Stripe) under their terms and compliance. We may change providers.
• Platform fees and third-party processing fees are disclosed at checkout or in your dashboard.
• Minors cannot receive payouts. Payouts go only to verified adults.
• Payouts from Support Payments or Boosts are available only in Stripe-supported countries and subject to Stripe verification (supporters may be located globally).
• GST/VAT/Sales Tax:
– CR&CO handles GST/VAT (or equivalent) only on CR&CO’s own fees where required.
– Campaign owners are responsible for their own taxes (e.g., Australian GST and income tax, if applicable), record-keeping, and issuing tax documents where required.
– We may collect or withhold taxes on amounts we process where a law requires it (e.g., digital services taxes or transaction-level withholding).
– ATO note (Australia): Unless expressly stated, Support Payments are not tax-deductible donations and CR&CO is not a DGR. We do not provide tax, legal, or accounting advice—seek your own advice.
• Off-platform payments are not tracked by CR&CO; campaign owners are solely responsible for any tax and record-keeping obligations related to such payments.

7A) Refunds, Chargebacks & Fraud

Support Payments & Boosts: All support and boost transactions are final. CR&CO cannot issue refunds or reverse transactions processed by Stripe. Chargebacks and disputes are handled by Stripe between the supporter and the campaign owner under Stripe’s policies and applicable law.

However, if CR&CO is made aware of clear fraud, prohibited conduct, or unlawful activity, we may take corrective action including suspending campaigns, disabling payouts, and cooperating with Stripe and authorities.

CR&CO Products: For CR&CO’s own products/services (e.g., tags, subscriptions), rights under the Australian Consumer Law (and mandatory local protections) apply. Where a refund is legally required, we will comply.

8) Campaign Owners’ Responsibilities (No Escrow / No Agency for Campaigns)

Campaign owners must:
1) Maintain their own Stripe account and accept Stripe’s terms, KYC/AML, and compliance checks to receive Support Payments or Boosts.
2) Configure pricing, tax settings, receipts, refunds, and disputes in Stripe for on-platform payments.
3) Comply with consumer law, advertising/claims rules, privacy, and any fundraising/charitable solicitation rules in their jurisdiction (where relevant).
4) If accepting off-platform payments, manage those transactions and obligations independently; CR&CO does not provide support, refunds, or revenue sharing for off-platform payments.
CR&CO is not a charity, not a registry, and does not verify charitable status. Misrepresentation may lead to removal or account action.

9) Limited Collection Agent — CR&CO Items Only (Not Campaigns)

For payments we process (our tags, subscriptions, tokens), you appoint CR&CO (or our payment partner) as limited collection agent to accept payments on your behalf and remit amounts net of fees, taxes, chargebacks, and adjustments. Receipt by us (or our partner) is deemed receipt by you. This clause does not apply to user campaigns; Support Payments and Boosts are processed directly by Stripe under the creator’s connected account.

10) Your Content & Licence

You own your content. To operate the Service, you grant CR&CO a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, adapt, process, publish, display, and distribute your content only as needed to provide the features you choose (for example, storing Memory Links, rendering pages, enabling sharing/embeds you switch on). This includes displaying your content within CR&CO, in campaign embeds/iframes, and through Universal Tags you activate.

You warrant you have all necessary rights to upload/share your content and that it complies with law and these Terms (including IP and privacy). We may remove content subject to valid IP claims, court orders, or policy/legal requirements.

The licence ends when you delete content from our systems, subject to reasonable backups, legal holds, fraud prevention, or where others have lawfully re-shared your content.

11) Community Standards (Prohibited Conduct)

You must not, and must not attempt to:
• Harass, threaten, bully, incite violence, or promote hate/extremism.
• Sexualise/exploit minors (strictly prohibited) or share illegal content.
• Infringe others’ IP or privacy (including doxxing) or upload content you don’t have rights to.
• Spread malware, phishing, scams, spam, or run fraud/impersonation.
• Circumvent security, scrape at scale, misuse APIs, reverse-engineer, or overload the Service.
• Sell/facilitate illegal or highly regulated goods/services in violation of applicable law.
We may remove content, limit features, or suspend/terminate accounts for breaches or legal/safety risks.

12) Privacy & Data

Our Privacy Policy explains what we collect, how we use it, and your choices. For minors, the Responsible Adult controls privacy/sharing and may revoke access. We do not sell children’s personal data. If data moves across borders, we apply legally recognised safeguards where required (e.g., standard contractual clauses). You consent to our processing as needed to operate, secure, and improve the Service and to comply with law (for example, fraud prevention, safety, analytics).

12A) Data Retention & Deletion

Upon account or content deletion, we will remove content from active systems. We may retain limited records where reasonably required for legal, tax, safety, fraud-prevention, or audit purposes, or as required by law or payment providers (for example, transaction logs). Where retention is no longer required, we will delete or de-identify records.

13) Third-Party Services

The Service may link to or rely on third-party services (identity verification, payments, hosting, analytics). We are not responsible for third-party terms, policies, or actions. Your use of third parties is at your own discretion and risk.

14) Moderation & Enforcement

We may remove or restrict content, limit features, or suspend/terminate accounts to protect users; to address legal, safety, or policy risks; or where required by law. We may preserve information where reasonably needed for investigations, legal processes, fraud prevention, or safety.

15) Service Changes, Availability & Betas

We may change, suspend, or discontinue features at any time. We aim to give reasonable notice where feasible for major changes. Beta/experimental features may be unstable or change without notice.

16) Disclaimers (Consumer Law Preserved)

To the maximum extent permitted by law, the Service is provided “as is” and “as available.” We do not promise uninterrupted or error-free operation. Nothing here excludes, restricts, or modifies non-excludable guarantees under the Australian Consumer Law or similar mandatory protections in your country.

17) Limitation of Liability (Civil Matters)

To the extent permitted by law, CR&CO and its personnel are not liable for indirect, incidental, special, consequential, or punitive damages; loss of profits, data, goodwill, or business interruption. Where liability cannot be excluded (for example, under the ACL), our liability is limited (at our option) to re-supplying the services or paying the cost of re-supply. If a monetary cap is permitted, our total liability for all claims in any 12-month period is limited to the greater of (a) the fees you paid to CR&CO in that period (if any) or (b) AUD $100.

18) Indemnity (Civil Matters)

You agree to indemnify CR&CO against claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your content; (b) your breach of these Terms; (c) your misuse of the Service; or (d) your violation of law or third-party rights. This indemnity does not apply to the extent the loss is caused by CR&CO’s negligence, fraud, or wilful misconduct.

19) Dispute Resolution (Global-Ready)

Please contact us first to try to resolve any concern. If unresolved after good-faith negotiations:
• Courts: Disputes may be brought in the courts of Queensland, Australia (non-exclusive jurisdiction).
• Injunctive Relief: Either party may seek urgent injunctive relief in any competent court.
• Local Consumer Rights: If you are a consumer, you retain any mandatory rights under your local law.

20) International Use & Data Transfers

If you access the Service outside Australia, you are responsible for complying with local laws. Where personal data is transferred internationally, we use legally recognised safeguards where required (see our Privacy Policy).

21) Notices & Electronic Communications

You agree to receive notices electronically (for example, email, in-app). Keep your contact details current.

22) Changes to These Terms

We may update these Terms. We will post the new effective date above. For material changes affecting rights or obligations, we will provide at least 30 days’ notice by email to your registered email address and/or a prominent in-service notice. Use after the change = acceptance.

23) Governing Law & Venue

These Terms are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland. Consumers also benefit from any mandatory protections of their local law where applicable.

24) General

• Entire Agreement: These Terms plus linked policies (for example, Privacy Policy, Code of Conduct) are the entire agreement between you and CR&CO.
• Severability: If any provision is invalid, the rest remains effective.
• No Waiver: Failure to enforce a provision is not a waiver.
• Assignment: You may not assign without our consent. We may assign in connection with a merger, acquisition, or reorganisation.
• Force Majeure: We are not liable for delays or failures due to events beyond our reasonable control.