Confidentiality Deed - Life Without Debt / CoSai CFO Services  ·  © 2026
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  Confidentiality Deed  ·  Australian Law

Let's Build This Together

Confidentiality & Mutual Trust Agreement
A note from Carla at CoSai

Thank you for taking the time to review this proposal. Everything in this intranet - the frameworks, the financial models, the funding strategy, the whole architecture of Life Without Debt - has been built with real care and purpose. We're sharing it openly because we genuinely want to help you bring this charity to life.

This Deed isn't here to create distance between us. It simply protects the work so it can only be used for the purpose it was built for - establishing Life Without Debt as a real, operating charity that changes lives. If you have any questions about anything in this document, please just call or email. We'd love to talk.

C
Carla Oliver
Founder & Principal CFO, CoSai CFO Services
0403 809 040  ·  [email protected]
  Disclosing Party
CoSai CFO Services
ABN: 708 157 881 62
Carla Oliver, Founder & Principal CFO
Life Without Debt (proposed CLG)
Email: [email protected]
("CoSai")
and
  Receiving Party
Lisa Hugo & Laurence Hugo
Organisation: Life Without Debt CLG (in formation)
ACL No. 387398  ·  Queensland, Australia
Email: [email protected]
Co-Founders, Life Without Debt CLG
("the Recipient")

Background

  1. CoSai CFO Services has developed a strategic, financial and governance framework for a proposed Australian charity called Life Without Debt - a Company Limited by Guarantee (CLG) being designed to provide free, expert debt resolution to Australians facing terminal illness.
  2. The framework is shared via a password-protected intranet site (the Confidential Materials) so that the Recipient can review and understand the full scope of the proposed engagement before making any commitment.
  3. CoSai is genuinely delighted to share this work with the Recipient and to support the establishment of Life Without Debt. This Deed simply ensures that the ideas, frameworks and strategies CoSai has developed are used for the purpose they were built for - and for nothing else.
  4. The Recipient's access to the Confidential Materials is given in good faith, and is conditional on the Recipient's agreement to the terms set out below.
Clause 1

Definitions

In this Deed:

  1. "Confidential Materials" means all information, documents, data, frameworks, financial models, revenue projections, governance structures, funding strategies, Theory of Change frameworks, Value Proposition Canvases, brand identities, creative assets, operational plans, OPEX architectures, board recruitment frameworks, and any other proprietary intellectual property disclosed by CoSai to the Recipient via the password-protected proposal site URL or by any other means, whether in written, electronic, oral, visual or any other form.
  2. "Intellectual Property" means all copyright, trade secrets, know-how, business methods, and other proprietary rights in the Confidential Materials, whether registered or unregistered.
  3. "Permitted Purpose" means the Recipient's evaluation of whether to engage CoSai CFO Services to implement the Life Without Debt charity project, and for no other purpose.
  4. "Representatives" means the Recipient's directors, officers, employees, contractors, advisers and professional consultants who have a genuine need to access the Confidential Materials for the Permitted Purpose and who are bound by confidentiality obligations at least as strict as those in this Deed.
Clause 2

Keeping It Between Us

What we're asking is simple:

  • Keep the Confidential Materials between us - don't share them with people outside your immediate decision-making circle without letting CoSai know first.
  • Use what you see here only to evaluate and (hopefully) proceed with the Life Without Debt engagement - not for any other project or purpose.
  • Don't screenshot, copy or redistribute the proposal site content beyond what you need to make your decision.
  • Don't share the site URL or access code with anyone who hasn't agreed to keep it confidential.
  • Treat this material with the same care you'd want your own confidential ideas treated with.

The Recipient understands that:

  1. The Confidential Materials represent significant original work by CoSai CFO Services - frameworks, financial models, strategies and structures developed specifically for the Life Without Debt project; and
  2. Keeping this information confidential is important not just to protect CoSai's work, but to protect the integrity of the project itself - so that Life Without Debt can be launched properly, in the right way, for the right reasons.
Clause 3

Ownership of Intellectual Property

The Recipient acknowledges that:

  1. The frameworks, financial models, strategies, naming and structures in the Confidential Materials are original works created by CoSai CFO Services. They remain CoSai's intellectual property unless and until ownership is formally transferred as part of a completed engagement (see Clause 5).
  2. Nothing in this Deed gives the Recipient a licence to use CoSai's frameworks, models or strategies outside of the Permitted Purpose. If the Recipient decides not to proceed with the engagement, the Confidential Materials should simply be set aside - CoSai asks only that they not be repurposed or passed on.
  3. Once the engagement is completed and all payments are received, full ownership of the deliverables transfers to Life Without Debt CLG - that is the whole point. CoSai builds it for you, and you own it.
Clause 4

Permitted Disclosures

The Recipient may disclose Confidential Materials only:

  1. To its Representatives who need to know the information for the Permitted Purpose, provided those Representatives are informed of the confidential nature of the information and are bound by obligations at least equivalent to this Deed; or
  2. If required by law, a court order, or a regulatory authority with jurisdiction - and then only to the minimum extent required, and only after giving CoSai reasonable notice (where legally permitted) so CoSai may seek a protective order.
Clause 5

Payment Milestones & Access Rights

The parties acknowledge the following commercial framework:

  1. Proposal access: The Recipient is granted access to the Confidential Materials solely for evaluation. Access is revocable at CoSai's sole discretion by deactivating the site URL or changing the access code.
  2. Commencement: If the Recipient engages CoSai, a 50% commencement payment is due before implementation work begins. CoSai is not obligated to commence work until this payment is received and cleared.
  3. Completion: The remaining 50% payment is due upon project completion (as defined in the engagement letter / Statement of Work). Source files, credentials and documentation are transferred to the Recipient only after the completion payment is received and cleared.
  4. Non-payment consequences: If either payment milestone is not met, CoSai may immediately revoke access to the Confidential Materials, terminate the engagement, and retain all work product until payment is received. CoSai's Intellectual Property does not transfer to the Recipient under any circumstances until all payments are received in full.
Clause 6

Duration

The obligations in this Deed continue for five (5) years from the date of signing, or for so long as the Confidential Materials remain secret and have commercial value to CoSai - whichever is the longer period. The obligations in Clause 3 (Intellectual Property Ownership) are perpetual and irrevocable.

Clause 7

If Something Goes Wrong

CoSai enters this agreement in good faith and fully expects it will never need to be enforced. But for completeness:

  1. If the Recipient uses or discloses the Confidential Materials in a way that is not permitted by this Deed, CoSai may seek appropriate remedies under Australian law - including an injunction to stop further misuse where that is the most practical outcome.
  2. Both parties agree that talking directly and promptly is always the first step. Most concerns can be resolved with a conversation. CoSai's preference is always to work things out, not to litigate.
  3. If legal action does become necessary, the parties each bear their own costs unless a court orders otherwise.
Clause 8

Governing Law & Jurisdiction

This Deed is governed by the laws of Queensland, Australia. Each party irrevocably submits to the non-exclusive jurisdiction of the courts of Queensland and the Federal Court of Australia.

Clause 9

General

  1. Entire agreement: This Deed constitutes the entire agreement between the parties with respect to its subject matter and supersedes all prior discussions, representations and understandings.
  2. Variation: This Deed may only be varied by written agreement signed by both parties.
  3. Severability: If any provision of this Deed is invalid or unenforceable, it is to be read down or severed to the extent necessary without affecting the validity of the remaining provisions.
  4. No waiver: Failure to exercise or delay in exercising any right under this Deed does not constitute a waiver of that right.
  5. Counterparts: This Deed may be executed in counterparts (including by electronic signature), each of which when executed constitutes an original. Electronic signatures are valid and binding under the Electronic Transactions Act 1999 (Cth).
  6. Relationship: Nothing in this Deed creates a partnership, joint venture, agency or employment relationship between the parties.
Document Actions
Download or email this signed Deed
Email to [email protected]

Execution

Signed as a Deed by the parties on the dates set out below. Lisa Hugo and Laurence Hugo each sign in their personal capacity as proposed co-founders of Life Without Debt CLG (in formation). The entity does not yet exist as a legal person and cannot itself be a signatory at this stage. Both signatures are required.

Disclosing Party
CoSai CFO Services
Represented by Carla Oliver, Founder & Principal CFO
Carla Oliver signature
Signature
Carla Oliver
Full Name (Print)
17 / 05 / 2026
Date (dd / mm / yyyy)
Electronically signed by Carla Oliver on 17 May 2026. Valid under the Electronic Transactions Act 1999 (Cth).
Receiving Party — 1 of 2
Lisa Hugo
In her personal capacity as proposed co-founder, Life Without Debt CLG (in formation)
Signature
Full Name (Print)
Date (dd / mm / yyyy)
Receiving Party — 2 of 2
Laurence Hugo
In his personal capacity as proposed co-founder, Life Without Debt CLG (in formation)
Signature
Full Name (Print)
Date (dd / mm / yyyy)
Any questions? If anything in this Deed is unclear or doesn't feel right, please just ask before signing. Carla is happy to talk through any clause. This is meant to be a straightforward, mutual agreement - not a barrier. [email protected]  ·  0403 809 040