AI Governance · AFSL Compliance

Is Your Firm Ready for December 2026?

Find out in 15 minutes — and get the documented evidence to prove it.

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ASIC & OAIC aligned
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Privacy Act APP 1.7 mandatory automated decision-making (ADM) disclosure obligations take effect 1 December 2026. Civil penalty exposure applies after this date. You need documented evidence of compliance — not just intent.

What Your Executive Readiness Report Delivers

This isn't a generic quiz. The AI Readiness Scorecard is built on the Liberate Framework — the only assessment tool designed specifically for AFSL holders under Australian regulatory obligations.

01

Your Compliance Score Across All 4 Regulatory Pillars

Scored against ASIC s912A, Privacy Act APP 1.7, DDO obligations, and Best Interests Duty — not generic AI ethics frameworks.

02

A Documented ADM Register Baseline

You leave with the foundation of your ADM Register — the specific artefact OAIC and ASIC will expect to see if your firm is reviewed.

03

Your Identified Gap Risk — By Severity

Critical breach risks, significant compliance gaps, and areas where you need to prove what you already have — clearly separated and prioritised.

04

A Board-Ready Evidence Document

Your report is structured for presentation to your Board, Risk Committee, or Professional Indemnity insurer — not buried in technical jargon.

05

A Strategic Roadmap to Close the Gaps

Specific, sequenced remediation actions tied to your actual risk profile — not a checklist of theoretical best practices.

The Four Pillars of Your Assessment

Your firm is evaluated across four critical operational categories. Each pillar maps directly to your regulatory obligations under Australian law.

01
The Where & What

Scope & Mapping

Identifying whether your systems make decisions that "substantially and directly" influence outcomes for individuals — the threshold that triggers APP 1.7 obligations.

02
The How

Transparency & Disclosure

Ensuring your Privacy Policy and client disclosures meet the "Meaningful Terms standard" — explaining how decisions are made and what data is being used, as required by APP 1.7.

03
The Who

Governance & Accountability

Aligning your internal AI policies with your s912A obligations — efficient, honest, and fair service delivery with adequate supervision of automated systems.

04
The What If

Human Agency & Oversight

Evaluating your Human-in-the-Loop (HITL) controls, explainability capability, and recourse mechanisms — the Kill-Switch Protocol and Logic Drift monitoring your firm needs.

What Happens After You Complete the Assessment

💳
Step 01

Secure Payment

Complete the $97 payment via PayPal or credit card. Processed securely — no account required.

📋
Step 02

Complete the 20 Questions

Answer honestly. The assessment covers your actual AI usage — not aspirational policy. Takes 15 minutes.

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Step 03

Instant Report Delivery

Your Executive Readiness Report is generated immediately and delivered to your email — Board-ready, scored, and gap-analysed.

📞
Step 04

Strategy Briefing Scheduled

Our Lead AI GRC Strategist will contact you to schedule a high-level briefing — to interpret your findings and define your remediation roadmap.

What Your Score Is Measured Against

The Liberate Scorecard doesn't measure against theoretical best practice. It measures your firm against the specific obligations that carry civil penalty exposure in Australia's financial services sector.

Primary Obligations

  • Privacy Act APP 1.7 — Mandatory ADM disclosure, December 2026 deadline
  • ASIC s912A — Efficient, honest and fairly, adequate supervision of automated systems
  • Best Interests Duty — Demonstrating AI-assisted advice remains client-centred
  • DDO Obligations — Design and Distribution requirements for AI-influenced product targeting

Supporting Frameworks

  • OAIC Guidance — Office of the Australian Information Commissioner enforcement posture
  • CPS 230 — APRA operational resilience standard for AI-dependent systems
  • Input-Logic-Impact (ILI) — Liberate Framework explainability methodology
  • Corporations Act ss182–183 — Director duties in the context of AI governance

Complete Your Assessment Below

Payment of $97 unlocks submission of your completed questionnaire and triggers immediate report generation.

15 minutes to complete Instant report delivery Secure payment No ongoing commitment

Already Have Your Scorecard? Next Steps.

Use your Executive Readiness Report to identify which solution closes your specific gaps.

from $2,500 + GST
AI Governance Workshop
A facilitated half-day session with your leadership team. We map your AI stack, build your ADM Register, and deliver a Board-ready 90-day remediation roadmap — same day.
  • Complete AI/ADM stack mapping
  • ADM Register built in the session
  • Board-ready 90-day roadmap
  • Risk prioritisation matrix
  • Implementation guidance
Book a Workshop →

December 2026 Is Not a Soft Deadline

Civil penalty exposure. PI insurer scrutiny. ASIC s912A obligations. Your firm needs documented evidence — not good intentions. Start with the $97 Scorecard.

Get Your Executive Readiness Report — $97 ↑
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Scope and Mapping - The Where & What

Q1.1: Have you conducted a formal audit to identify all computer programs that make—or substantially and directly assist in making—decisions about clients (e.g., credit limits, advice, or eligibility)?
Q1.2: Is there a centralised "AI/ADM Register" that lists the purpose, data inputs, and the "human-in-the-loop" status for each system?
Q1.3: Have you categorised these decisions based on "significance of impact" (e.g., access to financial products vs. internal workflow)?
Q1.4: For third-party software (CRMs, robo-advisers), have you verified with vendors if their underlying algorithms use personal data for ADM?
Q1.5: Do you have a process to review new technology procurements for ADM transparency before they are deployed?

Privacy Policy - The How

Q2.1: Does your current Privacy Policy explicitly state the kinds of personal information used by your ADM systems?
Q2.2: Does the policy explain, in plain English, how these automated decisions are made (the "logic" of the automation)?
Q2.3: Is it clearly disclosed which decisions are made solely by a computer versus those where a human provides the final sign-off?
Q2.4: Is the disclosure easily accessible to clients at the point of data collection (e.g., on a credit application form)?
Q2.5: Have you mapped out a "plain English" version of your algorithmic logic that avoids disclosing commercial trade secrets but satisfies the OAIC?

Governance and Accountability - The Who

Q3.1: Has a "Chief AI Officer" or an Accountable Official been designated to oversee AI/ADM risks within the AFSL framework?
Q3.2: Is there a formal AI Ethics or Governance Policy that specifically addresses fairness, safety, and contestability?
Q3.3: Do you conduct regular AI Impact Assessments to test for bias, errors, or unintended outcomes in your ADM tools?
Q3.4: Is there an internal incident response plan specifically for "AI failures" (e.g., algorithmic bias or data leakage)?
Q3.5: Is the Board or Senior Management briefed at least quarterly on the performance and risks of the firm’s ADM systems?

Human Oversight - The What If

Q4.1: Is there a clear, documented process for clients to request a review of an automated decision by a qualified human?
Q4.2: Are frontline staff trained to explain to a client why an automated decision was made and how they can appeal it?
Q4.3: Does the system provide "meaningful explanations" for individual outcomes (e.g., "Why was my loan declined?")?
Q4.4: Do you perform "Human-in-the-Loop" audits to ensure that human overrides of AI recommendations are consistent and fair?
Q4.5: Is the ADM system capable of being "rolled back" or turned off immediately if it begins producing harmful results?
Price: $99.95