CR&CO MASTER TERMS & CONDITIONS

ABN: 47 685 207 192
Version: 1.0
Effective Date: 30 August 2026
Last Updated: 30 August 2026
Jurisdiction: Queensland, Australia

These Master Terms & Conditions apply to CR&CO and the websites, platforms, products and services operated under the CR&CO brand, including:

CR&CO Hub;
CR&CO Connect;
Memory Link;
Scoops Co; and
any future CR&CO website, application or service that expressly adopts these Terms.

CR&CO is an Australian-based sole trader business operating under ABN 47 685 207 192.

Contact may be made through CR&CO’s published contact channels, including founder@crnco.com.au.

PART A — MASTER TERMS

1. ABOUT THESE TERMS

These Terms form an agreement between CR&CO (“CR&CO”, “we”, “us” or “our”) and any person, business, organisation or other entity that accesses, registers for, purchases from, subscribes to or otherwise uses a CR&CO service (“you” or “your”).

By:

accessing or using a CR&CO platform;
creating an account;
submitting a registration or membership application;
commencing a subscription;
purchasing a CR&CO product;
publishing content through a CR&CO service; or
otherwise indicating acceptance,

you agree to these Terms.

These Terms include the service-specific schedules and policies contained in this document.

2. DOCUMENT STRUCTURE

These Master Terms consist of:

Part A — Master Terms
Schedule 1 — CR&CO Hub
Schedule 2 — CR&CO Connect
Schedule 3 — Memory Link
Schedule 4 — Scoops Co
Schedule 5 — Privacy Policy
Schedule 6 — Cancellation, Refund & Subscription Policy
Schedule 7 — Cookies, Analytics & Electronic Communications

Additional policies published by CR&CO may also apply, including:

Community Standards;
Acceptable Use Policy;
Verification Policy;
Directory Listing Guidelines;
Complaints & Dispute Resolution Policy;
Copyright & Intellectual Property Policy;
Trust & Safety Policy; and
any product-specific or campaign-specific terms.

If a service-specific Schedule conflicts with a general provision of these Master Terms, the service-specific Schedule applies to that service to the extent of the inconsistency.

3. AUSTRALIAN CONSUMER LAW

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right, remedy or other protection that cannot lawfully be excluded under the Competition and Consumer Act 2010 (Cth), including the Australian Consumer Law.

Where Australian Consumer Law gives you rights or remedies that cannot legally be excluded, those rights and remedies continue to apply regardless of anything stated in these Terms.

4. ELIGIBILITY AND AGE

You must have legal capacity to enter into an agreement with CR&CO.

Unless expressly stated otherwise, a person who:

creates a CR&CO account;
purchases a recurring subscription;
registers a business;
manages a CR&CO business profile; or
enters into a commercial agreement with CR&CO

must be at least 18 years old.

Different CR&CO services may impose additional eligibility requirements.

4.1 Memory Link

Memory Link is strictly an 18+ platform.

A person under 18 may not:

create a Memory Link account;
control a Memory Link digital profile;
activate Memory Link digital platform access;
operate creator functionality; or
receive creator payments through Memory Link.

4.2 CR&CO Connect

A Connect business account must be controlled by a person aged 18 years or older who has authority to represent the business, organisation or ABN associated with the account.

5. ACCOUNT REGISTRATION

Where an account is required, you must provide information that is accurate, current and complete.

You must not:

impersonate another person;
register using an ABN you are not authorised to represent;
knowingly provide false information;
misrepresent your identity;
misrepresent your authority to act for an organisation; or
create an account for fraudulent or unlawful purposes.

CR&CO may request reasonable evidence to verify information supplied during or after registration.

6. ACCOUNT SECURITY

You are responsible for keeping your account credentials secure.

You should notify CR&CO promptly if you believe:

your account has been compromised;
an unauthorised person has accessed your account;
your login information has been disclosed; or
fraudulent activity has occurred.

CR&CO may temporarily restrict an account where reasonably necessary to investigate a security concern.

7. PRICES

Unless otherwise stated:

prices are in Australian dollars;
applicable GST will be dealt with as required by Australian law; and
the price displayed immediately before purchase or subscription is the applicable price for that transaction.

CR&CO may change prices prospectively.

A price change does not retrospectively change a billing period that has already been paid.

For recurring subscriptions, CR&CO will provide reasonable notice of a material price increase before the new amount is charged.

8. PAYMENT PROCESSING

CR&CO may use third-party payment processors including providers such as Stripe, PayPal, Square or other payment services.

Payment information may therefore be processed directly by the relevant payment provider.

CR&CO does not intend to store complete payment card information where that information is handled by a third-party payment processor.

Use of a third-party payment service may also be subject to that provider’s own terms and privacy policy.

9. RECURRING SUBSCRIPTIONS

Where a CR&CO product or service operates by recurring subscription, CR&CO will disclose before subscription:

the applicable price;
billing frequency;
any free trial;
when the first payment will occur;
whether the subscription renews automatically; and
how the subscription may be cancelled.

Unless expressly stated otherwise, recurring subscriptions continue until cancelled.

Cancellation arrangements are set out in Schedule 6.

10. FREE TRIALS

Where CR&CO offers a free trial that automatically converts to a paid subscription:

the length of the trial will be disclosed;
the price following the trial will be disclosed;
the billing frequency will be disclosed; and
the customer may cancel before the trial ends to prevent the first recurring charge.

A person should not commence a free trial unless they understand that it may convert to a paid subscription.

11. USER CONTENT

Some CR&CO services allow users to submit, upload or publish content including:

text;
photographs;
videos;
logos;
product descriptions;
business information;
reviews;
stories;
memorial content;
documents;
links;
pricing;
profiles; and
other material.

You retain ownership of intellectual property you legally hold in your content.

By submitting content to a CR&CO service, you grant CR&CO a non-exclusive, worldwide, royalty-free licence to:

host;
store;
technically process;
reproduce;
resize;
format;
display; and
transmit

that content only to the extent reasonably necessary to operate, secure, promote or provide the relevant CR&CO service.

Where you expressly agree to CR&CO using content for promotional purposes, that permission extends to the agreed promotional use.

12. YOUR RESPONSIBILITY FOR CONTENT

You must have the rights, permission or lawful authority necessary to submit content.

You must not knowingly submit content that:

infringes copyright or trademarks;
unlawfully breaches privacy;
is fraudulent;
is materially false or misleading;
is unlawfully defamatory;
constitutes harassment or abuse;
contains unlawful threats;
contains malicious software;
facilitates criminal activity;
involves child sexual exploitation or abuse material;
constitutes unlawful intimate content;
promotes scams; or
is otherwise prohibited by law.

13. CONTENT MODERATION

CR&CO may review, restrict, hide or remove content where reasonably necessary.

Reasons may include:

suspected illegality;
fraud;
safety concerns;
intellectual-property complaints;
materially misleading content;
violation of Community Standards;
violation of marketplace rules;
prohibited goods or services;
security concerns;
abuse or harassment; or
compliance with legal obligations.

Urgent action may be taken without prior notice where there is a serious safety, legal, security or fraud concern.

For less serious matters, CR&CO may provide an opportunity to correct the issue where reasonably appropriate.

14. REPORTING CONTENT

Users may report content or conduct they reasonably believe is:

illegal;
fraudulent;
harmful;
misleading;
abusive;
unsafe;
infringing;
inappropriate; or
inconsistent with CR&CO policies.

CR&CO may request supporting information before determining what action is appropriate.

Submission of a complaint does not guarantee removal.

15. INTELLECTUAL PROPERTY

The CR&CO name, logos, branding, website design, platform design, badge designs, graphics, written materials and other original CR&CO intellectual property remain owned by or licensed to CR&CO.

You may not reproduce or commercially use CR&CO intellectual property without permission except where permitted by law.

Membership does not transfer ownership of CR&CO intellectual property.

16. CR&CO BADGES

Badges issued by CR&CO may only be used by the person or organisation to whom they are issued and in accordance with the applicable badge criteria.

CR&CO may withdraw or alter a badge where:

eligibility is no longer satisfied;
the badge was obtained using incorrect information;
circumstances materially change;
the badge is misused; or
continued display would be misleading.

The title “Founding Partner”, “Community Partner”, “Official Partner” or another CR&CO badge or promotional designation does not, by itself, create a legal partnership, joint venture, employment relationship or agency relationship.

17. THIRD-PARTY LINKS AND SERVICES

CR&CO websites may contain links to independent third parties.

Examples include:

seller websites;
Stripe;
PayPal;
Square;
Uber Eats;
DoorDash;
social media;
booking services;
shipping providers;
mapping services; and
external ordering systems.

Third parties operate independently of CR&CO.

CR&CO is not responsible for the independent conduct, policies or services of a third party except to the extent responsibility cannot legally be excluded.

18. PLATFORM AVAILABILITY

CR&CO will take reasonable steps to maintain its services but does not guarantee uninterrupted availability.

A service may temporarily become unavailable because of:

maintenance;
updates;
hosting issues;
third-party outages;
telecommunications failure;
cybersecurity incidents;
emergencies;
force majeure events; or
legal requirements.

CR&CO will not knowingly continue charging for a service for a period during which CR&CO is unable to provide the paid service where doing so would be unlawful or misleading.

19. NO PROFESSIONAL ADVICE FROM CR&CO

Unless CR&CO expressly states otherwise, information made available through CR&CO is general information only.

CR&CO does not provide:

legal advice;
financial product advice;
credit advice;
investment advice;
medical advice;
accounting advice; or
other regulated professional advice.

A professional appearing in the Connect directory remains independently responsible for advice or services they provide.

20. SUSPENSION AND TERMINATION

CR&CO may suspend or terminate access where reasonably necessary because:

these Terms have been materially breached;
payment remains overdue;
fraud is suspected;
a serious safety concern exists;
false registration information has been supplied;
a regulated member no longer appears authorised to provide advertised services;
an account compromises security;
unlawful activity is suspected; or
CR&CO is legally required to take action.

Where appropriate and reasonably practicable, CR&CO may provide notice and an opportunity to remedy a non-urgent breach.

21. LIABILITY

CR&CO remains responsible for products and services supplied directly by CR&CO to the extent required by law.

To the maximum extent permitted by law, CR&CO is not responsible for loss caused solely by:

an independent Connect member;
a customer’s transaction with an independent seller;
user-generated content;
information supplied by another user;
unauthorised account activity caused by a user’s failure to reasonably secure their credentials;
a third-party website or payment provider;
events outside CR&CO’s reasonable control; or
unlawful or fraudulent conduct of another person.

Nothing in this section excludes liability that cannot lawfully be excluded.

22. RESPONSIBILITY FOR LOSS CAUSED BY A USER

A user may be responsible for reasonable loss directly caused to CR&CO by that user’s:

fraud;
unlawful conduct;
material breach of these Terms;
intentional security compromise;
intellectual-property infringement; or
knowingly unauthorised content.

A user is not responsible under this clause for loss caused by CR&CO’s own negligence, unlawful conduct or breach.

23. CHANGES TO SERVICES

CR&CO may update, improve or modify its services.

Where a proposed change materially reduces an ongoing paid service, CR&CO will provide reasonable notice where practicable.

24. CHANGES TO THESE TERMS

CR&CO may update these Terms where reasonably necessary because of:

changes to services;
new functionality;
changes to Australian law;
security requirements;
regulatory requirements; or
legitimate operational requirements.

Minor or administrative changes may take effect when published.

Where a change materially affects an ongoing paid subscription, affected users will be given reasonable notice where practicable.

25. COMPLAINTS AND DISPUTES

A person with a complaint should first contact CR&CO and provide sufficient information for the issue to be investigated.

CR&CO may:

request further information;
investigate relevant account records;
contact affected parties;
correct an error;
remove or reinstate content;
issue a refund where appropriate;
restrict an account;
take no further action where the complaint is unsupported; or
refer a serious issue to an appropriate authority.

Nothing in these Terms prevents a person from exercising statutory rights or contacting an appropriate regulator, tribunal or court.

26. GOVERNING LAW

These Terms are governed by the laws of Queensland and applicable Commonwealth laws of Australia.

Nothing in this clause removes any mandatory jurisdictional right available to a consumer under applicable law.

27. SEVERABILITY

If a provision is unlawful or unenforceable, it will be read down or severed to the minimum extent necessary.

The remainder of these Terms continues to apply.

28. NO WAIVER

Failure by CR&CO to immediately enforce a right does not automatically waive that right.

SCHEDULE 1 — CR&CO HUB

1. PURPOSE

CR&CO Hub at crnco.com.au is the central public-facing website for the CR&CO brand.

The Hub provides information about and access to:

CR&CO Connect;
Memory Link;
Scoops Co;
CR&CO information;
policies;
contact information;
community information; and
other CR&CO projects.

2. INFORMATIONAL CONTENT

CR&CO aims to keep Hub information reasonably accurate and current.

General Hub content is not professional advice.

3. SERVICE LINKS

CR&CO services may operate on different domains or platforms.

Accessing another CR&CO service from the Hub means the relevant Service Schedule also applies.

SCHEDULE 2 — CR&CO CONNECT

1. PURPOSE OF CONNECT

CR&CO Connect is an Australian directory, business-discovery and marketplace platform.

Connect is designed to help people discover and support eligible Australian:

small businesses;
sole traders;
family businesses;
farmers and producers;
charities;
community organisations;
sporting or community groups;
independent professionals; and
other eligible organisations approved by CR&CO.

2. MEMBERSHIP ELIGIBILITY

Connect members must ordinarily:

operate in Australia;
hold an active ABN where required by CR&CO;
provide accurate registration information;
meet current Connect eligibility criteria;
be represented by a person aged at least 18; and
be authorised to use and represent the ABN supplied.

CR&CO may refuse an application that falls outside the intended purpose or eligibility requirements of Connect.

3. CONNECT MEMBERSHIP

Unless another price is clearly displayed before purchase, the standard Connect membership model is:

Monthly Membership — $10 per month

Annual Membership — $120 per year

A free trial may be offered.

Where a 7-day free trial is offered, the subscription will convert to the disclosed paid membership unless cancelled before the trial ends.

Connect does not presently charge a general commission on ordinary sales made by independent members.

If CR&CO introduces an optional commission-based or transaction-based product in the future, the applicable charges must be disclosed separately before a member uses that product.

4. MEMBER BUSINESS PROFILES

Members may create and manage a public business profile containing information such as:

business name;
display name;
business category;
service area;
state or region;
business description;
ABN;
opening hours;
website;
social media;
photographs;
galleries;
badges;
contact links;
product and service information;
external ordering links; and
other approved information.

Members are responsible for keeping information current.

5. DIRECTORY

The Connect directory allows visitors to discover businesses and organisations.

Directory inclusion does not mean CR&CO guarantees:

product quality;
service quality;
future conduct;
customer satisfaction;
financial condition;
professional performance; or
continuing legal compliance.

Specific verification rules are addressed separately below.

6. PRODUCTS & SERVICES

Members may be permitted to create listings for products or services available through their business profile.

Members may control information including:

title;
description;
photographs;
standard price;
sale price;
“from” price;
price on application;
unit of sale;
quantity;
availability;
stock status;
seasonal status;
pickup;
delivery;
service area;
booking information;
payment link;
ordering link; and
enquiry method.

Members are responsible for ensuring listing information is accurate.

7. CONNECT MARKETPLACE

CR&CO may aggregate member products and services into a central marketplace or search experience.

The Connect marketplace is primarily a discovery platform.

Unless CR&CO is expressly identified as the seller, a product displayed in Connect is being offered by the relevant Connect member.

The fact that CR&CO displays, categorises or promotes an item does not make CR&CO the seller.

8. SELLER SETS THE PRICE

Independent Connect members set their own product and service prices.

CR&CO does not generally dictate seller pricing.

Members must ensure prices and mandatory charges are accurately represented.

A seller must not use misleading:

“from” pricing;
discounts;
comparative prices;
hidden mandatory charges;
false sale pricing; or
deceptive representations about value.

9. DIRECT SELLER PAYMENTS

Connect may allow the customer to proceed to an independent seller’s:

Stripe link;
PayPal link;
Square link;
website;
booking system;
Uber Eats page;
DoorDash page;
ordering page;
enquiry system; or
other approved external service.

Unless expressly stated otherwise, CR&CO does not receive, hold or control the customer’s purchase funds for these transactions.

10. CUSTOMER AND SELLER CONTRACT

Unless CR&CO itself is expressly identified as the seller:

the contract for the product or service is between the customer and the Connect member.

The member is responsible for matters relating to their sale, including:

product or service description;
price;
stock;
availability;
order acceptance;
fulfilment;
shipping;
delivery;
pickup;
cancellations;
applicable consumer guarantees;
refunds;
warranties;
taxes;
permits;
licences;
professional obligations; and
customer service.

CR&CO remains responsible for the Connect platform and for services CR&CO itself sells.

11. MEMBER LEGAL COMPLIANCE

Members must comply with all laws applying to their business and advertised activities.

This may include:

Australian Consumer Law;
food standards;
product safety;
professional regulation;
licensing;
tax requirements;
advertising rules;
state and territory laws;
local government requirements;
industry-specific regulation; and
mandatory registration.

CR&CO membership does not replace a legal licence or government approval.

12. REGULATED AND LICENSED INDUSTRIES

Certain businesses and professions require licences, registrations, permits, accreditation or regulatory authorisation.

Where required by law, members must hold and maintain appropriate authority before advertising or supplying the regulated service.

Regulated categories may include, without limitation:

financial services;
financial advice;
investment-related services;
credit and finance;
mortgage broking;
insurance;
legal services;
health and allied health;
real estate;
property services;
building and construction;
licensed trades;
food businesses;
childcare and care services;
transport;
security services; and
other regulated occupations.

This list is not exhaustive.

13. FINANCIAL SERVICES

A member providing regulated financial services must hold the authority required by Australian law.

Depending on the activity, this may include:

an Australian Financial Services Licence (AFSL);
appropriate authority as an authorised representative of an AFS licensee;
an Australian Credit Licence (ACL);
appropriate credit representative authorisation; or
another registration or authorisation required by ASIC or another regulator.

A licence or authorisation must cover the actual service advertised.

A member may not use Connect to suggest they are authorised for activities outside the scope of their licence or authority.

14. EVIDENCE OF LICENSING

CR&CO may request:

licence numbers;
registration numbers;
authorised representative numbers;
credit representative numbers;
licence-holder details;
professional registration;
certificates;
permits;
accreditation;
expiry dates;
government register information; or
other reasonable evidence.

CR&CO may check information against public regulator or government registers.

If CR&CO cannot reasonably establish that a member is entitled to advertise a regulated service, CR&CO may:

refuse the listing;
temporarily hide it;
request additional information;
restrict the relevant category; or
suspend the affected service listing.

15. CHANGES TO LICENSING

Members must promptly notify CR&CO if a relevant licence, registration or authorisation:

expires;
is suspended;
is cancelled;
becomes restricted;
no longer covers an advertised activity; or
otherwise ceases to be current.

16. RESTRICTIONS ON REGULATED MARKETPLACE SALES

CR&CO may determine that certain regulated products or services may be advertised for discovery but not purchased directly through Connect.

CR&CO may require regulated members to use Connect only for:

business discovery;
profile information;
general service descriptions;
appointment enquiries;
contact;
booking links; or
links to the member’s independently operated regulated service.

CR&CO may prohibit or restrict direct marketplace sale of:

financial products;
investments;
loans;
credit products;
insurance products;
regulated medicines;
or other products where additional regulatory obligations apply.

17. ABN CHECKS

CR&CO may check ABNs using publicly available information or government data services.

An ABN check may confirm information such as:

whether an ABN is active;
registered entity information; and
relevant business information available from public sources.

An automated or administrative ABN check does not constitute CR&CO Verified status.

18. CR&CO VERIFIED

A business receives the CR&CO Verified badge only after it has been personally checked and verified by CR&CO or an authorised CR&CO representative in accordance with the CR&CO Verification Policy.

The badge is not automatically awarded because a business:

pays for membership;
has an active ABN;
uploads documents;
completes a profile; or
passes an automated database check.

The verification process must be completed directly with the business.

CR&CO may also check relevant licences or registrations where appropriate.

Verification confirms only the matters actually checked at the time.

19. WHAT VERIFIED DOES NOT MEAN

Unless specifically stated, CR&CO Verified does not guarantee or certify:

product quality;
workmanship;
food safety;
professional competence;
investment performance;
financial returns;
financial stability;
customer satisfaction;
future conduct;
every licence held by the business;
continuing regulatory compliance; or
the suitability of a product or service for a particular customer.

20. REVIEWS

Where Connect permits reviews, reviews must reflect genuine experiences or opinions.

Users and members must not:

create fake reviews;
arrange fake reviews;
review themselves;
manipulate ratings;
impersonate customers;
suppress legitimate negative reviews solely because they are negative;
threaten customers over genuine reviews; or
misrepresent paid or incentivised reviews as independent.

CR&CO may investigate and remove reviews reasonably believed to be fabricated, unlawful or materially misleading.

21. PROHIBITED LISTINGS

Connect must not be used to offer unlawful goods or services.

CR&CO may prohibit or restrict listings involving:

stolen goods;
counterfeit goods;
illegal drugs;
unlawful weapons;
recalled products;
unlawfully unsafe goods;
fraudulent services;
exploitation;
prohibited content;
illegal wildlife products;
unlawful financial schemes;
scams; or
any other product or service that cannot lawfully be sold.

Regulated products may require prior approval.

22. PROMOTION AND SOCIAL MEDIA

CR&CO may offer members promotional opportunities through CR&CO social channels.

Where CR&CO or an authorised representative visits a business for verification, promotion, photographs or video, appropriate permission should be obtained before identifiable promotional content is published.

Participation in promotional content does not guarantee sales, traffic or commercial results.

23. NO LEGAL PARTNERSHIP

Connect members remain independent businesses.

Membership does not create:

employment;
franchise;
agency;
joint venture;
fiduciary relationship; or
legal partnership

between CR&CO and the member.

A promotional badge containing the word “Partner” does not change this position unless a separate written agreement expressly creates another relationship.

24. CONNECT CANCELLATION

Connect membership may be cancelled in accordance with Schedule 6.

Cancellation stops future renewal.

Unless otherwise required by law, access generally continues until the end of the paid billing period.

SCHEDULE 3 — MEMORY LINK

1. PURPOSE

Memory Link combines physical QR-linked products or identifiers with digital spaces designed to preserve or connect:

photographs;
stories;
memories;
information;
videos;
personal content;
pet information;
memorial material;
treasured items;
special places; and
other permitted content.

2. STRICTLY 18+

Memory Link is strictly an 18+ platform.

You must be at least 18 years old to:

register;
hold an account;
create or control a digital profile;
activate a QR-linked digital profile;
purchase digital platform access;
manage uploaded content;
use creator functionality; or
receive creator payments.

Memory Link does not provide child-owned or child-controlled digital profiles.

3. CONTENT INVOLVING OTHER PEOPLE

A Memory Link account holder may only upload material involving another person where they have the lawful rights or authority necessary to do so.

The appearance of another person in uploaded content does not make that person a Memory Link account holder.

Users should exercise particular care when publishing private or sensitive information about living people.

4. PHYSICAL PRODUCTS

Memory Link may supply products including:

QR-linked tags;
engraved tags;
keepsakes; and
related physical products.

Available products, personalisation options and prices will be displayed before purchase.

5. PERSONALISED PRODUCTS

Customers are responsible for checking:

names;
dates;
spelling;
wording;
URLs;
engraving instructions; and
other personalisation details

before submitting an order.

Where a customer supplies incorrect personalisation information, change-of-mind replacement may not be available after production begins.

Nothing in this clause removes consumer rights where CR&CO supplies a faulty or incorrectly produced product.

6. DIGITAL PLATFORM ACCESS

A physical Memory Link product and digital platform access are related but separate components.

Unless expressly stated at purchase, ownership of a physical tag does not itself guarantee perpetual paid digital hosting.

Digital functionality may require an active subscription.

The applicable subscription price and billing frequency will be displayed before purchase.

7. QR FUNCTIONALITY

CR&CO will take reasonable steps to provide functional QR-linked products.

A QR code does not guarantee that:

every device will scan successfully;
every third-party camera application will function correctly;
internet access will always be available;
a physically damaged tag will remain readable; or
third-party browsers will remain compatible indefinitely.

Consumer rights continue to apply to defective CR&CO products.

8. USER CONTENT

Memory Link users retain ownership of content they are legally entitled to upload.

Users grant CR&CO the licence required under Part A to host and operate that content.

Users should maintain their own independent copies of irreplaceable photographs, videos, documents and memories.

Memory Link should not be treated as the sole archival copy of irreplaceable material.

9. CREATOR FUNCTIONALITY

Where Memory Link offers creator functionality, it is available only to eligible users aged 18 years or older.

Creator functionality may allow visitors to provide voluntary financial support to a creator.

Where the current creator-support model applies, CR&CO may retain a 5% platform fee from eligible creator-support transactions.

Any applicable platform fee and third-party payment-processing fees will be disclosed before creator functionality is activated.

Creators remain responsible for their own:

taxation;
reporting;
disclosure;
business obligations; and
legal compliance.

A creator-support payment must not be described as a tax-deductible charitable donation unless the recipient is legally entitled to make that representation.

10. PROHIBITED MEMORY LINK CONTENT

Memory Link must not be used for:

illegal content;
exploitation;
child sexual abuse material;
unlawful intimate material;
threats;
scams;
malware;
serious harassment;
fraudulent representations;
copyright infringement; or
other unlawful content.

11. ACCOUNT CLOSURE

When a Memory Link account or subscription ends, digital functionality may be restricted or cease in accordance with the applicable plan.

Users should download or retain their own copies of important material before closing an account.

CR&CO may retain limited information where reasonably necessary for:

financial records;
tax;
fraud prevention;
legal compliance;
disputes;
security;
backup processes; or
other legitimate record-keeping requirements.

SCHEDULE 4 — SCOOPS CO

1. ABOUT SCOOPS CO

Scoops Co is a family entrepreneurial project operated under CR&CO.

It is designed to give young family members an opportunity to develop creativity, confidence and entrepreneurial experience.

2. WHO THE CUSTOMER CONTRACTS WITH

Although children may participate in the creative and entrepreneurial activities behind Scoops Co, commercial transactions made through the official Scoops Co business are transactions with CR&CO.

Customers do not enter into a commercial contract directly with a child.

CR&CO remains responsible for the products CR&CO sells through Scoops Co.

3. PRODUCTS

Scoops Co products will be described through the relevant website or sales channel.

Reasonable variations may occur where products are:

handmade;
produced in small batches;
customised;
naturally variable; or
photographed under different lighting.

A reasonable minor variation does not remove consumer rights where a product materially fails to match its description.

4. PRICING

The applicable price will be displayed before purchase.

Payment may be processed by a third-party payment provider.

5. AVAILABILITY

Scoops Co products may be:

limited;
handmade;
seasonal;
produced in small quantities; or
temporarily unavailable.

If CR&CO accepts payment but cannot supply the ordered product, CR&CO will provide an appropriate remedy, which may include a replacement accepted by the customer or a refund.

6. DELIVERY AND COLLECTION

Available delivery, postage or collection methods will be displayed where applicable.

Customers must provide accurate delivery details.

CR&CO will deal reasonably with delivery issues and comply with applicable consumer obligations.

7. PRODUCT SAFETY

CR&CO will take reasonable steps to ensure products supplied through Scoops Co meet applicable Australian product-safety obligations.

Customers should follow any warnings, age guidance, instructions or care information supplied with a product.

8. RETURNS

Returns and refunds are governed by Schedule 6 and Australian Consumer Law.

SCHEDULE 5 — CR&CO PRIVACY POLICY

1. PURPOSE

This Privacy Policy explains how CR&CO handles personal information collected through its websites, platforms, services, subscriptions, products and communications.

Where the Privacy Act 1988 (Cth) and Australian Privacy Principles apply to CR&CO, CR&CO will comply with those legal obligations.

CR&CO also seeks to apply responsible privacy practices to its services more generally.

2. INFORMATION WE MAY COLLECT

Depending on the CR&CO service used, we may collect:

Identity and contact information

name;
email address;
telephone number;
account username;
correspondence details.

Business information

business name;
ABN;
account type;
state or region;
service area;
business contact information;
business website;
social links;
business category;
opening hours.

Verification information

Where reasonably required, this may include:

identity verification information;
licence details;
registration numbers;
authorisation details;
evidence supplied for verification;
information from government or professional registers.

CR&CO will seek to avoid retaining unnecessary identification material where verification can reasonably be completed without retaining it.

Account information

account status;
membership status;
subscription information;
preferences;
profile settings;
account activity.

Transaction information

CR&CO may collect:

purchase history;
subscription status;
invoices;
transaction references;
refund information; and
payment status.

Complete card details may instead be handled directly by the payment provider.

User-generated content

Depending on the service:

photographs;
videos;
stories;
business descriptions;
reviews;
product listings;
gallery images;
profile content;
messages;
Memory Link content.

Technical information

This may include:

IP address;
browser;
device type;
operating system;
cookies;
login activity;
approximate location derived from technical information;
referral source;
pages visited;
interaction data; and
security logs.

3. HOW INFORMATION IS COLLECTED

Information may be collected:

directly from you;
through registration forms;
when you purchase or subscribe;
when you contact CR&CO;
when you upload content;
through website cookies;
through analytics tools;
from payment processors;
through connected third-party services;
through publicly available government registers;
through publicly available professional registers;
during verification;
during support or complaints; or
when legally authorised.

4. WHY WE COLLECT INFORMATION

CR&CO may use personal information to:

create and operate accounts;
process subscriptions;
provide products;
operate Connect;
operate Memory Link;
operate Scoops Co;
verify businesses;
verify licences;
process payments;
provide customer support;
investigate complaints;
prevent fraud;
maintain platform security;
communicate service information;
improve services;
administer reviews;
provide marketplace functionality;
meet tax and accounting obligations;
comply with law;
enforce CR&CO policies; and
send marketing where consent or another lawful basis exists.

5. PUBLIC INFORMATION

Some information submitted to Connect or Memory Link is intended to be publicly displayed.

For example, public Connect profiles may display business information, products, photographs, service areas and public contact information.

Information made public may:

be viewed by internet users;
be indexed by search engines;
appear in search results;
be shared by users; and
remain temporarily visible in third-party caches after removal.

Users should not place information into public profile fields unless they are comfortable with that information being publicly accessible.

6. DISCLOSURE TO SERVICE PROVIDERS

CR&CO may disclose information where reasonably necessary to service providers that assist with:

website hosting;
cloud storage;
WordPress services;
payment processing;
email;
security;
analytics;
customer support;
accounting;
communications;
identity or business verification;
domain services;
software infrastructure; or
professional advice.

Service providers may process information only as permitted by their applicable relationship with CR&CO and their own legal obligations.

7. GOVERNMENT AND LEGAL DISCLOSURE

CR&CO may disclose information where reasonably necessary:

to comply with law;
in response to a valid legal process;
to investigate suspected fraud;
to protect a person from serious harm;
to respond to an appropriate regulator;
to protect CR&CO’s lawful rights;
to investigate criminal activity; or
where otherwise authorised or required by law.

8. OVERSEAS PROCESSING

Some technology, payment, communications, analytics or cloud providers used by CR&CO may process or store information outside Australia.

The location may vary depending on the provider and its infrastructure.

Where privacy law requires CR&CO to identify likely overseas locations, CR&CO will take reasonable steps to provide the information that is practicable and current.

9. PAYMENT INFORMATION

Payment transactions may be processed by external payment providers.

Those providers may collect payment information directly.

CR&CO may receive information such as:

payment status;
transaction ID;
payment amount;
subscription status;
payment method type; and
limited billing information.

CR&CO does not require access to complete card details where those details are processed by the payment provider.

10. COOKIES AND ANALYTICS

CR&CO websites may use cookies or similar technology for:

essential website operation;
security;
login sessions;
user preferences;
performance;
analytics;
traffic measurement; and
service improvement.

Further information is provided in Schedule 7.

11. MARKETING

CR&CO may send marketing communications where permitted by law.

Where required, CR&CO will obtain consent before sending commercial electronic marketing.

Marketing communications will provide a clear way to unsubscribe.

Unsubscribing from marketing does not prevent CR&CO from sending essential:

security;
billing;
transaction;
account;
verification; or
service communications.

12. ACCESS TO PERSONAL INFORMATION

You may request access to personal information CR&CO holds about you.

CR&CO may need to verify your identity before providing access.

Access may be limited where permitted or required by law.

13. CORRECTION

You may request correction of personal information that is:

inaccurate;
incomplete;
misleading; or
out of date.

Connect members may also be able to update information directly through their dashboard.

14. DELETION REQUESTS

You may request deletion of personal information or closure of an account.

CR&CO may retain information where reasonably necessary or legally required for:

accounting;
taxation;
fraud prevention;
legal disputes;
security;
regulatory requirements;
chargeback records;
transaction records; or
enforcement of legal rights.

15. DATA RETENTION

CR&CO intends to retain personal information only for as long as reasonably required for the purpose for which it was collected or another lawful purpose.

Different information may require different retention periods.

16. SECURITY

CR&CO takes reasonable steps appropriate to its size and services to protect information from:

unauthorised access;
misuse;
interference;
loss;
alteration; and
unauthorised disclosure.

No online service can guarantee absolute security.

17. DATA BREACHES

Where CR&CO becomes aware of a suspected data breach, CR&CO may:

investigate the incident;
take steps to contain it;
assess affected information;
reset or restrict accounts;
contact relevant providers;
notify affected users where appropriate; and
make regulatory notifications where required by law.

18. CHILDREN

Memory Link is strictly 18+.

Connect member accounts must be controlled by adults.

CR&CO does not knowingly provide child-controlled commercial or subscription accounts through those platforms.

Scoops Co may involve children in the family entrepreneurial project, but customer transactions and associated customer information are handled through CR&CO.

19. PRIVACY COMPLAINTS

Privacy questions or complaints may be submitted through CR&CO’s published contact channels.

A complaint should include sufficient information to identify the issue.

CR&CO will investigate genuine privacy complaints within a reasonable period.

Where applicable, individuals may also have rights to contact the Office of the Australian Information Commissioner.

20. PRIVACY POLICY CHANGES

This Privacy Policy may be updated as CR&CO services or legal obligations change.

The current version will be published through CR&CO.

SCHEDULE 6 — CANCELLATION, REFUND & SUBSCRIPTION POLICY

1. SCOPE

This Schedule applies to products and services sold directly by CR&CO.

Purchases from independent Connect members are addressed separately below.

2. CONSUMER GUARANTEES

CR&CO products and services come with rights that may apply under Australian Consumer Law.

CR&CO does not impose a blanket “no refunds” rule where Australian Consumer Law provides a right to a remedy.

Depending on the circumstances, remedies may include:

repair;
replacement;
refund;
resupply;
cancellation; or
compensation.

3. CHANGE OF MIND

CR&CO is not required to provide a refund solely because a customer:

changed their mind;
no longer wants a product;
selected the wrong item;
failed to use a subscription; or
found an alternative

unless CR&CO expressly offers a change-of-mind policy or the law requires another remedy.

4. RECURRING SUBSCRIPTIONS

Recurring subscriptions continue until cancelled.

A customer may cancel at any time before the next renewal.

Cancellation:

stops future renewals;
does not ordinarily reverse a payment for a billing period already commenced; and
usually allows access until the end of the already-paid period.

Nothing in this section removes statutory refund rights.

5. MONTHLY CONNECT MEMBERSHIP

A monthly Connect member may cancel before their next monthly renewal.

Once cancelled:

no further monthly renewal should be charged;
membership generally remains active until the end of the paid month; and
the business profile may be restricted or removed from member-only functionality after the paid period ends.

6. ANNUAL CONNECT MEMBERSHIP

An annual Connect membership may be cancelled so that it does not renew for another year.

Unless:

Australian Consumer Law requires a refund;
CR&CO materially fails to provide the purchased service; or
CR&CO expressly agrees otherwise,

cancelling an annual membership does not automatically create a pro-rata change-of-mind refund for the unused portion of the annual period.

7. FREE TRIAL CANCELLATION

Where Connect or another service provides a free trial, the subscriber may cancel before the trial ends to prevent conversion to a paid subscription.

The trial expiry and subsequent price should be disclosed when the trial begins.

8. MEMORY LINK SUBSCRIPTIONS

Memory Link digital subscriptions may be cancelled before the next renewal.

Cancellation stops future billing.

Digital access may continue until the end of the paid billing period and may then become restricted or inactive.

Users should retain copies of important uploaded material before digital access ends.

9. FAILED PAYMENTS

Where a recurring payment fails, CR&CO may:

retry the payment through the payment provider;
notify the account holder;
temporarily restrict paid functionality; or
suspend the subscription.

CR&CO will not knowingly impose an undisclosed fee solely because a payment failed.

10. CR&CO TERMINATING A PAID SERVICE

Where CR&CO terminates a paid service because of the customer’s material breach, fraud or unlawful conduct, refund entitlement will depend on the circumstances and applicable law.

Where CR&CO permanently terminates a prepaid service without fault by the customer and cannot provide the remaining service, CR&CO will deal fairly with the unused prepaid portion and provide any refund required by law.

11. PHYSICAL PRODUCTS

Where a product supplied directly by CR&CO has a failure covered by Australian Consumer Law, the customer may be entitled to an appropriate remedy.

The applicable remedy depends on the nature and seriousness of the failure.

12. PERSONALISED PRODUCTS

Change-of-mind cancellation may not be available once production has commenced on an item personalised to customer instructions.

This includes customised engraving.

However, personalised products remain covered by applicable consumer guarantees.

For example, CR&CO cannot rely on the personalised nature of the product where CR&CO:

produced the wrong wording;
supplied a defective product; or
otherwise failed to meet an applicable consumer guarantee.

13. SCOOPS CO

Scoops Co purchases made through CR&CO are purchases from CR&CO.

Consumer guarantees therefore apply to CR&CO as the supplier of those products.

14. CONNECT MARKETPLACE PURCHASES

Where a customer purchases from an independent Connect member:

the member is responsible for that customer’s order and applicable refund obligations.

The customer should contact the seller directly regarding:

cancellation;
delivery;
faults;
returns;
refunds;
warranties; and
consumer guarantees.

CR&CO may assist with platform-related complaints but does not automatically become responsible for an independent member’s transaction merely because the seller was discovered through Connect.

15. PAYMENT DISPUTES AND CHARGEBACKS

Customers should contact CR&CO promptly if they believe a CR&CO charge is incorrect.

Submitting a fraudulent chargeback may result in account restriction or recovery action.

Nothing in this clause prevents a customer from exercising lawful chargeback or consumer rights.

16. HOW TO CANCEL

Cancellation must be made using:

the cancellation function provided through the relevant account or payment system; or
another cancellation method published by CR&CO.

CR&CO will not intentionally require a customer to use an unreasonable cancellation process.

SCHEDULE 7 — COOKIES, ANALYTICS & ELECTRONIC COMMUNICATIONS

1. COOKIES

CR&CO websites may use first-party or third-party cookies.

Cookies may support:

login;
preferences;
security;
forms;
shopping or subscription functionality;
analytics;
traffic measurement; and
website performance.

2. ESSENTIAL COOKIES

Some cookies may be required for a website or account to function correctly.

Blocking essential cookies may prevent certain functionality from working.

3. ANALYTICS

CR&CO may use website analytics to understand information such as:

visitor numbers;
pages viewed;
general traffic sources;
device types;
user interactions; and
website performance.

Analytics information may be aggregated or de-identified where appropriate.

4. BUSINESS PROFILE ANALYTICS

Connect may provide or develop analytics relating to member profiles, including:

profile views;
listing interactions;
product views;
clicks;
favourites;
follows; and
other engagement metrics.

Analytics are informational and do not guarantee sales or business outcomes.

5. COMMERCIAL ELECTRONIC MESSAGES

Where required by Australian law, CR&CO will obtain consent before sending commercial electronic messages.

Commercial marketing messages will:

identify CR&CO;
provide appropriate contact information; and
provide a clear unsubscribe method.

6. UNSUBSCRIBE REQUESTS

CR&CO will process valid unsubscribe requests in accordance with applicable Australian spam laws.

A person will not be required to pay a fee to unsubscribe from CR&CO marketing.

7. SERVICE COMMUNICATIONS

Some communications are necessary to administer a CR&CO service and are not ordinary promotional marketing.

These may include:

password resets;
security alerts;
payment receipts;
subscription notices;
verification communications;
account changes;
service disruption notices;
order information; and
responses to customer enquiries.

Opting out of marketing does not prevent necessary operational communications.

FINAL PROVISIONS

CONTACT

CR&CO
ABN: 47 685 207 192
Queensland, Australia
Email: founder@crnco.com.au
Website: crnco.com.au

DOCUMENT CONTROL

Document: CR&CO Master Terms & Conditions
Version: 1.0
Effective Date: 30 August 2026
Last Updated: 30 August 2026

Applies to:

CR&CO Hub;
CR&CO Connect;
Memory Link;
Scoops Co;
associated CR&CO websites and platforms that adopt these Terms.

CR&CO may review this document as services and Australian legal requirements develop.