Financial Advice Statement

1. Purpose of this Statement

This statement explains the scope of the information, software tools, and simulated assessments provided by Red Owl Pty Ltd ("RedOwl", "we", "us", or "our") across our website, interactive calculators, marketing publications, and product materials. It outlines our licensing arrangements under Australian financial services law and your responsibilities when evaluating our governance and payment technology.

2. Nature of General Advice

All information, tools, metrics, case studies, and calculators on this website or in related publications are prepared for general business informational and software demonstration purposes only. They do not constitute:

• Personal financial product advice tailored to your specific financial objectives, cash reserves, tax position, or treasury needs.
• Credit advice or personal investment recommendations.
• Legal, taxation, or formal auditing counsel.

Before making any financial commitment, executing transactional changes, or procuring financial products referenced on this website, you should evaluate whether the service is appropriate for your organization and seek independent advice from a licensed financial advisor, tax practitioner, or legal consultant.

3. Licensing & Authorized Representative Relationship

Under Australian law, the provision of regulated financial services and products is subject to Australian Financial Services Licensing (AFSL) oversight administered by the Australian Securities and Investments Commission (ASIC):

• Principal Licensee: Financial services and products (including payment facilities and card issuing rails) are provided by Nium Pty Limited (ACN 601 384 025, AFSL No. 464627).
• Authorised Representative: Red Owl Pty Ltd (ACN 676 456 321) acts as an authorized representative (AR No. 1313293) of Nium Pty Limited to distribute and facilitate eligible financial products and governance software integrations.

4. Product Disclosure Documents & Target Market Determinations

Where financial products (such as corporate payment cards, accounts payable settlement facilities, or foreign exchange rails) are offered or facilitated:

• A Product Disclosure Statement (PDS) or relevant Terms of Service will be made available prior to product issuance. You should obtain and read the PDS in its entirety before making any decision to acquire or continue holding the financial product.
• A Target Market Determination (TMD) may also be available in accordance with the Design and Distribution Obligations (DDO) under the Corporations Act 2001 (Cth).

5. Interactive Calculators & Simulation Disclaimers

Our online tools—including the AP Leakage ROI Calculator and simulation sandboxes—are designed to provide indicative estimates based on user-supplied variables and published industry benchmark statistics (such as average anomaly rates of 9%). Actual enterprise savings, fraud mitigation results, and EBITDA improvements will depend on your organization's internal controls, transaction volume, supplier contract terms, and integration configurations. Figures generated do not constitute a performance guarantee or formal financial forecast.

6. Remuneration & Transparency

RedOwl receives software subscription fees, implementation fees, and may receive service fees or transaction-based remuneration from financial partners (including Nium Pty Limited) in connection with payment processing volumes. Our staff and authorized representatives receive fixed salaries and performance-based incentives in line with Australian regulatory standards.

7. Complaints & Dispute Resolution

We maintain an Australian standard internal dispute resolution framework. If you have a question or complaint regarding any financial service or general advice provided, please review our Complaints & Dispute Resolution Policy or contact us directly. If a dispute regarding regulated financial services remains unresolved, you may refer the matter to the Australian Financial Complaints Authority (AFCA):

• AFCA Website: www.afca.org.au
• AFCA Phone: 1800 931 678 (Free call within Australia)

8. Contact Our Compliance Office

For questions concerning this Financial Advice Statement, regulatory compliance, or our licensing structure, please contact: