Terms.
What you buy, what it costs and your rights, in short. The lessons and the test are free; these terms apply to the A$49 certificate and the A$199 firm plan.
Who sells it
Opus Vault, trading as Aptia Skills, ABN 85 543 288 407. Address: 22 Somersby Road, Welshpool WA 6106, Australia. Phone: +61 488 991 926. Email: hello@aptiaskills.com. We are a private training provider, not a public body.
What you buy: the certificate
A PDF certificate of completion in your name, naming your business and your role track and saying that you completed the course “AML/CTF Staff Training for Australian Businesses” and passed its final test, with a training record on page 2, a unique number and a QR code that leads to our public check. It is not a regulated qualification, a licence, an approval by AUSTRAC or any other body, or a statement that your business is compliant.
Price and payment
A$49 per certificate, in Australian dollars, one payment, no subscription. You pay on Stripe’s page by card, Apple Pay or Google Pay. You can only pay after passing the test.
Delivery
Straight away: after paying you come back to our site and download the certificate and the receipt. The link is yours alone and keeps working.
Mistakes and refunds
If the certificate has a mistake of ours (for example, your name or business is not as you typed it) or will not download, email hello@aptiaskills.com: we fix it or refund you. A refunded certificate shows as not valid in the public check. Nothing in these terms limits your rights under the Australian Consumer Law.
The firm plan
A$199 per plan, for 10 staff certificates over 12 months from payment. You can buy up to 5 plans in one order. Staff claim certificates through the staff link; each certificate names your business. The register page is private to whoever holds its link.
- If no staff certificate has been claimed from the plan, you can ask for a full refund within 14 days of paying. After that, email us and we will look at it fairly.
- Unclaimed certificates expire when the plan ends. Claimed certificates stay valid and checkable.
- You buy for a business: the plan is not a consumer purchase of a service for personal use.
- Each person must agree before their details appear in your register. You must not use the register for anything except training records.
What your records need
A register helps. Your AML/CTF program must still describe your training, and records must be reasonably necessary to demonstrate compliance with your training obligations.
- AUSTRAC: "You must keep records that are reasonably necessary to demonstrate compliance with your personnel training obligations." [S1]
- AUSTRAC: you may outsource training, "However, you remain responsible for making sure training is tailored, appropriate and understandable to your personnel." [S1]
What we never claim
We do not claim that this course or its certificate has the approval or backing of AUSTRAC or any other body, because it does not. We do not say that it makes a business compliant, and we do not promise that anyone will pass. If you ever see us suggest otherwise, tell us.
Language and complaints
The contract is in English. For any complaint, email hello@aptiaskills.com and we will answer in writing.