---
created: 2026-03-12
source: Rivet
tags: [agent-archive, rivet]
---

# RateRight Legal — Research & Documentation

## Status Tracker

| # | Item | Status | Priority | Needs Lawyer? |
|---|------|--------|----------|---------------|
| 1 | Sham Contracting Risk Analysis | ✅ Done | 🔴 CRITICAL | YES — validate conclusions |
| 2 | Terms of Service | 🔄 Agent running | 🔴 HIGH | Review before launch |
| 3 | Privacy Policy (APPs) | 🔄 Agent running | 🔴 HIGH | Review before launch |
| 4 | Insurance Obligations | 🔄 Agent running | 🟡 MEDIUM | Insurance broker needed |
| 5 | AFSL Kill Documentation | ✅ Done | 🟡 MEDIUM | No |
| 6 | Labour Hire Licensing | 🔄 Agent running | 🔴 HIGH | YES — formal opinion |

## Key Findings So Far

### #1 Sham Contracting — LOW RISK
- RateRight doesn't employ, pay, or control workers → not the employer
- 2022 High Court decisions favour written contract terms
- Construction tradies excluded from employee-like provisions
- Medium risk: platform design choices that could create control indicators

### #5 AFSL — KILLED (documented)
- Payment protection insurance requires AFSL ($150-300K, 6-12 months)
- Escrow requires trust account regulation
- Decision: trust = reputation only, $50 flat fee, no money touches platform

## Key Principle
RateRight is a **matching platform**, not a labour hire company, employer, or financial services provider. Every legal document, platform feature, and operational decision must reinforce this.

## Files
- `sham-contracting-analysis.md` — ✅ #1 Complete (607 lines)
- `terms-of-service.md` — 🔄 #2 In progress
- `privacy-policy.md` — 🔄 #3 In progress
- `insurance-obligations.md` — 🔄 #4 In progress
- `afsl-kill-memo.md` — ✅ #5 Complete
- `labour-hire-licensing.md` — 🔄 #6 In progress

## ⚠️ Disclaimer
All research is AI-generated legal analysis, NOT legal advice. Critical items flagged for professional legal review before launch.

*Started: 2026-02-07*
*Last updated: 2026-02-07*