When you provide a client money or property service for someone else's business, the business owner is responsible for meeting the obligations, not you. The business owner has to follow the rules, even if you are the one doing the work. This rule does not change what happens if you or the business owner do something wrong under a different law or rule. You can find more information about this by looking at the Financial Markets Conduct Act 2013 and the Financial Services Legislation Amendment Act 2019. If someone else's actions affect you, their actions can still have consequences under other laws or rules.