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Who We Help

Celebrating a decade of HNT

Celebrating a decade of HNT

Hammond Nguyen Turnbull

Our Blog

By Vivian Nguyen October 1, 2025
Artificial intelligence is no longer science fiction; it's a fundamental part of the modern business toolkit. From automating client communications and analysing contracts to making hiring decisions and setting prices, AI is driving unprecedented efficiency and innovation. But as we integrate these powerful tools deeper into our operations, we venture into a new and complex legal and ethical landscape. For businesses in Australia, harnessing the power of AI means looking beyond the technological benefits and confronting the critical legal questions it raises. Are you prepared for the risks? Key Legal Battlegrounds for AI in Business The introduction of AI challenges long-standing legal principles. Our current laws were written for human actors, and applying them to autonomous, learning systems creates significant gray areas. Contracts and Liability: Who's Responsible When the AI Gets It Wrong? Imagine an AI system, tasked with procurement, negotiates and executes a contract for faulty goods. Who is liable for the breach? The business that deployed the AI? The AI's developer? The issue strikes at the heart of contract law, which is built on human concepts like intent and capacity. Furthermore, the "black box" problem—where an AI's decision-making process is too complex for even its creators to fully understand—makes it incredibly difficult to determine fault when something goes wrong. If an AI-driven financial advisor gives negligent advice, proving the 'how' and 'why' becomes a major legal hurdle. Intellectual Property: Can an AI Be an Inventor? Generative AI can now create art, write code, and even design new products. This raises a fundamental IP question: who owns AI-generated work? Under current Australian law, copyright and patent ownership are tied to human authorship or invention. A landmark Federal Court case ( Thaler v Commissioner of Patents ) confirmed that an AI cannot be named as an "inventor" on a patent application. This means businesses must have clear policies on how AI is used in the creative and inventive process to ensure they can protect the resulting intellectual property. Data Privacy: The Fuel for the AI Engine AI systems are fuelled by data—often, vast amounts of it. This directly engages your responsibilities under Australia’s Privacy Act 1988 . Businesses must consider: Lawful Collection: Are you transparently informing individuals that their personal information will be used to train or be processed by AI systems? Data Security: How are you protecting the massive datasets used by your AI from cyber threats and breaches? Automated Decisions: If your AI makes a significant decision about an individual (e.g., approves or denies a credit application), can you explain the basis of that decision as required by privacy principles? The Ethical Tightrope: Beyond Legal Compliance Staying on the right side of the law is just the starting point. The ethical implications of AI usage can carry enormous reputational risk and impact your social license to operate. Bias and Discrimination An AI is only as good as the data it's trained on. If historical data reflects societal biases (e.g., hiring practices that favoured one demographic over another), the AI will learn and perpetuate those biases, often at scale. Using a biased AI for recruitment or performance management could lead to discriminatory outcomes that are not only unethical but also a breach of anti-discrimination laws. Transparency and Explainability When a customer is denied a loan or a candidate is rejected for a job by an AI, they deserve to know why. Businesses have an ethical obligation to strive for "explainable AI." A lack of transparency can erode trust with customers, employees, and the public, leading to a perception that your business uses arbitrary or unfair automated processes. Accountability and Human Oversight Ultimately, an AI is a tool. A business cannot delegate its corporate responsibility to an algorithm. It's crucial to establish clear governance frameworks that define who is accountable for the AI's deployment and outcomes. Meaningful human oversight must be maintained to catch errors, override poor decisions, and ensure the technology operates in alignment with your company 's values. Charting a Course: Practical Steps for Your Business The legal and ethical landscape for AI is evolving rapidly. To navigate it successfully, businesses should be proactive: Conduct an AI Audit: Identify all the AI systems used in your business and assess them for legal compliance, data privacy risks, and potential bias. Develop an AI Governance Policy: Create clear internal rules for the ethical development, procurement, and deployment of AI. Define roles and responsibilities for oversight. Prioritise Transparency: Be open with your stakeholders about how and where you use AI. Update your privacy policies and terms of service accordingly. Stay Informed: Keep up-to-date with guidance from regulatory bodies and emerging case law concerning AI in Australia. Seek Expert Advice: Before deploying a new AI system, consult with legal professionals who understand the intersection of technology, commercial law, and privacy.  AI offers a competitive edge that is too significant to ignore. However, embracing it without a clear-eyed view of the legal and ethical risks is a gamble. The businesses that thrive in the algorithmic age will be those that innovate responsibly, building a foundation of trust and accountability around their technology.
By Maria Valenzuela October 1, 2025
As family lawyers, we understand that court deci sions can have a profound impact on families, and sometimes, a party may feel that the court has made an error in their case. In such situations, an appeal may be an option. However, it's crucial to understand the legal grounds for appeal and the potential risks and costs involved. An appeal is not simply a rehearing of the case. It's a review of the lower court's decision by a higher court to determine whether the decision was legally sound. Generally, appeals are only allowed on questions of law, not on questions of fact. This means that the appeal court will not usually reconsider the evidence presented in the original trial but will focus on whether the lower court applied the law correctly. There are strict time limits for filing an appeal, and the process can be complex and expensive. As lawyers, we advise clients on the merits of their appeal, the likelihood of success, and the potential costs and delays involved. We also assist in preparing the necessary legal documents and representing clients in the appeal court. Appealing a family law decision is a significant undertaking that should not be taken lightly. It's crucial to seek legal advice to understand your options and make an informed decision about whether to proceed.
By Vivian Nguyen September 29, 2025
Whether you're a first-home buyer eagerly stepping onto the property ladder, a parent helping your child secure their first mortgage, or a business owner financing a new venture, securing a loan is a significant financial milestone. The paperwork can be overwhelming—a dense stack of documents filled with complex legal terms and clauses. It’s tempting to simply trust the lender, sign where indicated, and get on with it. However, these documents are legally binding contracts that can have profound and lasting consequences for your financial future. This is where Independent Legal Advice (ILA) becomes not just a recommendation, but an essential safeguard. At Hammond Nguyen Turnbull, we believe that being fully informed is the best way to protect your interests. Let's explore what ILA is and why it's a non-negotiable step in the loan process. What Exactly is "Independent" Legal Advice? Independent Legal Advice is guidance provided by a solicitor who has no connection whatsoever to the lender (the bank or financial institution). Their duty is solely to you—the borrower or, very commonly, the guarantor. This independence is crucial. It ensures the advice you receive is unbiased, impartial, and focused exclusively on protecting your rights and ensuring you understand the full scope of your commitment. The solicitor isn't there to give financial advice on whether the loan is a "good deal," but to explain the legal nature and practical effect of the documents you are about to sign. Why is ILA So Important? Lenders often make ILA a mandatory condition before they will advance funds, especially when a third-party guarantor is involved. Here’s why this step is so critical: Translating the Jargon: Loan and mortgage documents are notoriously difficult to read. A solicitor will cut through the legal jargon and explain the key terms, such as interest rates, repayment schedules, fees, and penalty clauses, in plain English. Understanding Your Full Obligations: Do you know what happens if you miss a payment? Or if the primary borrower defaults on the loan you've guaranteed? ILA clarifies the full extent of your liabilities and the "worst-case scenarios," ensuring there are no surprises down the track. Preventing Undue Influence or Pressure: A key role of ILA, particularly for guarantors, is to ensure you are signing the documents of your own free will. The solicitor needs to be satisfied that you haven't been pressured or unduly influenced by the borrower or another party. This protects you and ensures the enforceability of the guarantee for the lender. Protecting Your Assets: The legal advice will clearly identify which of your assets are being used as security for the loan. For a guarantor, this often means your family home could be at risk if the borrower defaults. Understanding this risk is fundamental. What Does an ILA Session with a Solicitor Involve? The process is straightforward and designed to be as clear and helpful as possible. Document Review: First, you will provide your solicitor with the complete set of loan, mortgage, and/or guarantee documents received from the lender. The Private Meeting: You will meet with your solicitor. Critically, if you are a guarantor, the primary borrower will not be present at this meeting. This is to ensure you can speak freely and that the advice remains confidential and independent. Detailed Explanation: Your solicitor will walk you through the documents, explaining: The nature of the transaction and the amount being borrowed. The key obligations, risks, and responsibilities you are undertaking. The specific consequences of a default. The circumstances under which the guarantee can be called upon. Your Questions Answered: This is your dedicated time to ask any questions you have, no matter how simple they may seem. The goal is for you to leave the meeting with complete clarity and confidence in your understanding. The Solicitor's Certificate: Once the solicitor is satisfied that you fully comprehend the legal ramifications of the documents, they will sign a formal "Solicitor's Certificate" or "Certificate of Independent Legal Advice." This certificate is provided to the lender as proof that you have received the required advice. It confirms you understand the commitment you are making. Who Needs Independent Legal Advice? While beneficial for all borrowers, ILA is especially critical for: Guarantors: This is the most common scenario. Parents, family members, or friends guaranteeing a loan are placing their own assets on the line. ILA is vital to ensure they understand this significant risk. Joint Borrowers with Unequal Benefit: If you are buying a property with a partner but are contributing unequally or one partner is taking on a greater share of the debt. Spouses Providing Security for Business Loans: When a family home is used as security for one partner's business venture. Borrowers in Complex Structures: This includes loans involving companies, trusts, or a Self-Managed Super Fund (SMSF). A Small Investment for Significant Peace of Mind Signing a loan or guarantee document is one of the most significant financial decisions you will ever make. The cost of obtaining Independent Legal Advice is minor compared to the potential financial and emotional cost of not fully understanding your obligations. It’s a crucial investment in your long-term security and peace of mind. Before you put pen to paper, ensure you are making an informed decision.  If you have been asked to sign loan documents or act as a guarantor, contact the experienced team at Hammond Nguyen Turnbull today. We are here to provide clear, independent, and practical legal advice to protect your interests.

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Our Mission

At HNT Legal, our mission is to be a firm that can cater for clients' needs with legal expertise while still being able to focus on clients as everyday people, who are a part of our family.

We ensure our solicitors are specialised and skilled to provide sound legal advice. It is our focus to ensure our people are well-rounded to approach a client’s problem in a holistic way, considering the reality, relationship and commerciality of the issue at hand.