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SD, happy to confirm the firm I joined this year operates on 12 month contracts with all ongoing review clients (incl. retirees, business owners, professionals & not-so-professionals). If they're not happy with our service, the client simply won't sign up next year.

Regarding ASIC action, I personally see it similar to cops chasing crims. If nobody's complaining (because your clients are happy with your service), there's not much for ASIC to investigate/prosecute.