Service Agreement

1. Parties

Service provider: Margin Assist, a sole-trader business operating in Melbourne, Victoria (ABN 76 657 207 177).

Client: the business named in the booking confirmation.

2. Scope of services

We will deliver the following five artefacts within five business days, Monday to Friday:

1. Effective rate audit: a one-page report on what your card payments actually cost you, all in
2. Provider comparison: your current setup benchmarked against major alternatives
3. Repricing plan: an item-by-item plan that absorbs the lost surcharge revenue
4. POS and online migration: backend updates to your point-of-sale, online ordering, website, Google Business Profile, and printed menus
5. Customer communications pack: pre-launch email, in-store signage, counter cards, social copy, and a staff briefing

We will conduct three on-site visits within Melbourne metro: a 30-minute Monday kickoff, a 30-minute Wednesday review, and a 30-minute Friday handover.

3. Out of scope

The following are expressly outside the scope of this engagement. Any request for them will be logged as future work, not added in:

• Tax advice and BAS preparation
• Bookkeeping work, including Xero or MYOB configuration
• Social media management or content creation beyond the comms pack
• Website rebuild, rebrand, or new logo design
• Loyalty programmes, happy-hour configuration, or discounting strategy
• Staff training beyond the Friday morning briefing

4. Fee and payment

The engagement fee is AUD $499 (all-in), paid via Stripe at engagement start on Monday morning.

Officeworks bills you directly at their price; we don't mark it up. Typical Officeworks bill is $30–$80 depending on venue size, billed separately on Friday.

Margin Assist is not currently registered for GST (turnover below the $75,000 threshold). The fee shown is the total payable.

5. Money-back guarantee

If the Monday audit does not identify at least $1,500 in projected annual margin protection or merchant fee savings, the engagement is free. The fee is refunded within five business days, and we do not proceed beyond Monday.

6. Cancellation and refunds

The fee is treated as follows:

• Before Tuesday repricing work begins: fully refundable on request.
• After Tuesday repricing work begins: non-refundable. Most of our work happens Tuesday and Wednesday.
• Money-back guarantee: as set out in section 5, refundable in full if the Monday audit fails to clear the threshold.

For 14 days after Friday launch, any work we have delivered that breaks (a setup error in your POS, an online ordering app that didn't update properly, a typo in printed signage we drafted) will be fixed at no charge. This post-launch support is part of the price, not a separate retainer.

7. Client obligations

By Monday morning kickoff you will provide:

1. Last three monthly merchant statements (PDF or CSV)
2. Read-only point-of-sale admin access where the platform supports it; otherwise a temporary owner-revocable account
3. Logins or partner-access for all online ordering platforms
4. Current menu or pricelist as PDF or photo
5. Logo and any required brand colour
6. Existing merchant agreement details (term, exit fees, terminal rental)

You will also attend the Monday kickoff (30 min), Wednesday review (30 min), and Friday handover (30 min). If any of the six inputs above are missing on Monday morning, kickoff is delayed by one business day rather than commenced blind.

Sign-off on the audit, repricing plan, and provider recommendation is required in writing on Wednesday before any backend changes are pushed live.

8. Our obligations

We will:

• Deliver the five artefacts described in section 2 within five business days
• Hold all client information in confidence (section 9)
• Carry professional indemnity and public liability insurance for the duration of the engagement
• Disclose any partner-referral fee from a recommended provider switch at the point of recommendation

9. Confidentiality and data handling

All client information shared during the engagement is treated as confidential. A non-disclosure agreement is available on request before any merchant data is shared.

Merchant statements are stored in encrypted, access-controlled storage, used only for the audit, and deleted within 14 days of handover. Where write access to your POS is required, a temporary owner-revocable account is used so the credentials can be terminated by you at any time.

Our full information-handling practices are set out in the Privacy Policy.

10. Intellectual property

Final deliverables (audit summary, repricing plan, comms pack, and printed assets) are owned by you on receipt and may be used freely within your business.

The underlying parsing, modelling, and template tools used to produce the deliverables remain the intellectual property of Margin Assist and are not licensed to you beyond the use embodied in the deliverables themselves.

11. Tax and BAS-agent partnership

Margin Assist is not a registered tax agent or BAS agent. Nothing we deliver constitutes tax advice. Where the work touches tax matters and needs an expert sign-off (for example, GST treatment of a repricing decision), we partner with a registered BAS agent and disclose any rev-share at the point of recommendation. Your existing accountant remains your accountant.

12. Liability

Our total liability under this agreement is limited to the fee paid. We exclude liability for indirect, consequential, special, or punitive damages.

Nothing in this agreement excludes, restricts, or modifies any consumer guarantee, right, or remedy you may have under the Australian Consumer Law that cannot lawfully be excluded.

13. Termination

Either party may terminate the engagement by written notice (email is sufficient).

• If you terminate before Tuesday repricing work begins, the fee is fully refunded.
• If you terminate after that point, the fee is not refundable per section 6.
• If we terminate because the six inputs in section 7 have not been provided after a one-business-day delay, the fee is fully refunded.

On termination, any merchant data we hold is deleted within 14 days of termination. That is earlier than the standard 14-day post-handover deletion if termination occurs during the engagement.

14. Governing law

This agreement is governed by the laws of Victoria, Australia. Any dispute will be subject to the non-exclusive jurisdiction of the courts of Victoria.

15. Variations

Variations to this agreement must be in writing. Email confirmation between the parties is sufficient. The version in force for your engagement is the version current on the date of your booking confirmation.

16. Contact

Questions about these terms:
margin.assist.melbourne@gmail.com
Margin Assist · ABN 76 657 207 177 · Melbourne, VIC