Terms and Conditions

These terms are the agreement between you and ItsMy Group Pty Ltd ("ItsMy Group", "IMG", "we", "us") covering your use of the Professional Excellence Program (PEP) and the IMG Digital Passport app.

By logging in or using the app, you agree to these terms and to our Privacy Policy. If you don't agree, please don't use the app, contact us if you have concerns.

The app is available to individual PHI advisors within IMG's broker network, provisioned through your organisation's Okta account. If your access is set up by your broker or by IMG, these terms still apply to you personally.

PEP gives you a real-time view of your Professional Excellence Score (PES) out of 1000, your tier (Bronze, Silver, Gold, or Platinum), and your recent activity.

Your PES is calculated using a fixed, rule-based formula, it is not AI-generated. It's built from your compliance results, verified customer reviews, professional development activity, and any complaint deductions. Exact point weightings are confirmed by our Compliance team and may be refined over time as the program matures.

When PEP first goes live for you, there's a 90-day "ghost period" where you can see your score and activity, but tier-based access restrictions aren't yet enforced, this gives you time to build your score before it starts affecting platform access.

Your score and activity refresh roughly every 3 hours. You may receive push notifications for critical events (like a below-average compliance result) and a daily summary of your stats.

You agree to use PEP honestly, for example, not attempting to manipulate your score, submit fake or incentivised reviews, or interfere with how compliance or review data is recorded.

You log in to PEP using your organisation's Okta single sign-on. After your first login, the app may use Face ID (or your device's equivalent) to re-authenticate you on later opens.

Your account and Digital Passport are personal to you, please don't share your login, device access, or verification QR code with anyone else.

You're responsible for keeping your device and credentials secure. If you suspect unauthorised access to your account, let us know as soon as possible.

We may suspend or restrict your access if we reasonably believe these terms have been breached, or if required for security, compliance, or legal reasons.

PEP is provided on an "as is" basis. While we take reasonable steps to keep the app secure and accurate (including hosting on a SOC 2 certified platform and penetration testing before launch), we don't guarantee it will be uninterrupted, error-free, or available at all times.

Your score depends on data from third-party and upstream sources, including CaaS compliance results, review platforms, and Canstar CRM. We take reasonable steps to verify this data, but we're not liable for inaccuracies originating in those source systems. If you believe your score is wrong, please contact us so we can investigate.

To the maximum extent permitted by law, ItsMy Group is not liable for indirect or consequential loss arising from your use of the app. Nothing in these terms limits any rights you have under the Australian Consumer Law that cannot be excluded. [Legal to confirm final liability cap/wording appropriate for the advisor relationship.]

We may update these terms from time to time, for example, as PEP moves from Phase 1 into later phases with new features. We'll let you know of any material changes through the app or by email before they take effect.

If you keep using PEP after an update takes effect, that means you accept the updated terms.