Terms of use.

About this site

This website describes HAPPI — shared financial infrastructure intended to be held in common by community-owned financial institutions — and is operated by Maslow Holdings Pty Ltd (ACN 672 433 519), the steward-owned company building it. It is provided for general information.

Not financial, legal, or investment advice

Nothing on this site is financial product advice, legal advice, an offer of securities, or an invitation to invest. It does not take account of your objectives, financial situation, or needs. Materials for investors, including the Investment Memorandum, are available only on request and under confidentiality; nothing on this site constitutes such an offer. Before acting on anything described here, seek your own professional advice.

Forward-looking statements

This site describes infrastructure, governance arrangements, and a build programme that are in development. The founding cohort of institutions has not yet been finalised, and HAPPI is in the process of being established as a not-for-profit foundation. Descriptions of what the infrastructure will do, how it will be governed, and how returns are bounded reflect current intent and design — not a completed system. They may change as the work and the governance are finalised.

Illustrative content

Some figures and animations on this site are illustrative, and some animations use simulated data. Statistics describing the cooperative sector are drawn from third-party sources and are indicative. Illustrative future scenarios are clearly imagined, not predictions.

Intellectual property

The content, design, and materials on this site are owned by Maslow Holdings Pty Ltd or used with permission, unless stated otherwise. You may read and share links to this material; you may not reproduce it as your own.

Restricted areas

Parts of this site are password-protected and intended for specific audiences. Access credentials are personal to the people they are issued to and should not be shared. We may withdraw access at any time.

External links

This site links to other sites, including maslow.com.au. We are not responsible for the content or practices of sites we do not operate.

Liability

This site is provided on an “as is” basis, for general information. While we take care to keep it accurate and current, we do not warrant that its content is complete, error-free, or up to date at any given moment, or that the site will be available or uninterrupted.

To the maximum extent permitted by law, Maslow Holdings Pty Ltd and its officers, employees, and agents exclude all liability for any loss or damage (including indirect or consequential loss) arising from your use of, or reliance on, this site or its content. This site is informational; before making decisions of consequence — financial, legal, or otherwise — verify the position independently and seek your own professional advice.

Nothing in these terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by law (including the Australian Consumer Law) that cannot lawfully be excluded or limited. Where liability for breach of such a provision can be limited, our liability is limited, at our option, to resupplying the relevant service or paying the cost of having it resupplied.

Contact

Questions about these terms: email us.