TERMS & CONDITIONS

1 TERMS OF USE

  1. Thank you for visiting our website. This Website is operated by RelayPay Pty Ltd (ACN 630 143 823) of Stone & Chalk, L4, 11-17 York Street, Sydney NSW 2000 and provides access to the services offered by RelayPay Pty Ltd and/or its subsidiaries and affiliates (referred to as “RelayPay”, “we”, “our” or “us”).
  2. These terms of use (Terms) govern your use of the Website and the RelayPay online, exchange and payment services provided to you through the Website (Services). Please read these Terms carefully.
  3. By accessing or using the Website you agree to be bound by these Terms. You should immediately cease using the Website if you do not agree to these Terms.
  4. By clicking “I Agree”, creating an account or accessing or using any part of the Services, you agree to be bound by these Terms. You must not use the Services if you do not agree to these Terms.
  5. The Website and Services are intended for users within Australia only.

2 REGISTRATION

2.1 Registration

  1. You are not required to register to use the Website. However, certain features on the Website (including the Services) may only be available if you do register.
  2. When you register, you must provide a valid email address and a password. You must keep your email address and password private, and not disclose them to any other person. If you have lost or forgotten your password, you can request that we send an email containing a password reset link to your registered email address.
  3. You may cancel your registration by notifying us at email-adress
  4. We may suspend or cancel your registration, either temporarily or permanently, if you breach, or we reasonably believe you have breached, any of these Terms.

2.2 Eligibility

To create an account and use the Services you must be at least 18 years of age. By creating an account and using the Services you represent and warrant that you are at least 18 years of age.

2.3 Anti-money laundering and counter-terrorism financing

  1. RelayPay Pty Ltd (ACN 630 143 823) is registered with the Australian Transaction Reports and Analysis Centre (AUSTRAC) as a digital currency exchange service provider (DCE100597854-001).
  2. We are required to comply with anti-money laundering and counter-terrorism financing laws, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) (AML/CTF Laws).
  3. Prior to providing the Services to you, we will collect and verify your personal information as required under the AML/CTF Laws. We may also report your transaction activity to AUSTRAC.
  4. You acknowledge and agree to provide all reasonable assistance to us in complying with our obligations under the AML/CTF Laws. We may refuse to provide the Services to you and cancel your registration if you do not assist us in complying with the AML/CTF Laws.
  5. Our processes for collecting, storing and using your personal information is set out in our privacy policy. See section 13 for more information.

3 USE OF CONTENT ON THE WEBSITE

  1. The Website is subject to copyright and possibly other intellectual property rights.
  2. We grant you a limited, non-transferable licence to access and use the Website solely for your personal, non-commercial purposes.
  3. We (or our licensors) retain all rights, title, and interest in and to the Website, and nothing you do on or in relation to the Website or in connection with the Services will transfer any intellectual property rights to you or, except for the licence referred to in paragraph (b), licence you to exercise any intellectual property rights unless this is expressly stated.
  4. Except as provided in these Terms, any use or copying of the Website for any other purpose is expressly prohibited, unless prior written consent is obtained from us. You may contact us if you wish to seek such consent (see section 18 for contact details).
  5. Subject to applicable law, we may revoke the permission referred to in paragraphs (b) and (d) at any time and may suspend or deny your access to or use of the Website without notice if you breach, or we reasonably believe you have breached, any of these Terms.

4 LINKING TO THIS WEBSITE

  1. We encourage you to provide links to the Website. While you may use the name “RelayPay” in the text of any such link, you may not use the RelayPay logo or any of our other trademarks without our prior written consent.
  2. You must not frame the Website or represent or imply that any part of the Website belongs to anyone other than us.
  3. If we notify you that we object to the manner in which you provide links to this Website, you must immediately cease providing such links.

5 SERVICE TERMS

5.1 Exchange services

  1. In providing Services relating to facilitating the exchange of cryptocurrency for fiat currency (and vice versa) and subsequently transferring the fiat currency to your nominated payment destination (as set out in paragraph (h)) or cryptocurrency to your wallet address (as the case requires), we may provide to you a service that matches offers made by you to buy or sell cryptocurrencies with opposing offers made by nominated third party service providers (Exchange Dealers).
  2. You agree, authorise, direct and consent to us:
    1. communicating any offer submitted by you using the Services to buy cryptocurrency from Exchange Dealers in exchange for fiat currency at a nominated exchange rate (Buy Offer);
    2. communicating any offer submitted by you using the Services to sell cryptocurrency to Exchange Dealers in exchange for fiat currency at a nominated exchange rate (Sell Offer);
    3. matching your Buy Offer or Sell Offer with opposing offers by Exchange Dealers to accept your fiat currency to purchase their cryptocurrency or to purchase your cryptocurrency for fiat currency (as the case requires) at a corresponding exchange rate; and
    4. communicating to you the acceptance of a Buy Offer or Sell Offer by an Exchange Dealer.
  3. You acknowledge and agree that each transaction relating to a Buy Offer or Sell Offer constitutes a transaction as between you and RelayPay as principal. RelayPay facilitates transactions with you through back to back transactions with Exchange Dealers that may correlate to transactions entered into with you, however RelayPay is not acting on your behalf in relation to a transaction with an Exchange Dealer. All monies owed by you under a transaction are owed to us as a principal counterparty and not to any other person. You do not have any relationship or engage in any transaction directly with an Exchange Dealer through the Services.
  4. Cryptocurrency may only be exchanged for Australian dollars using the Services. We may support Australian dollars and other fiat currencies to be exchanged for cryptocurrency using the Services. Supported fiat currencies may be varied from time to time (in our absolute discretion).
  5. All Buy Offers or Sell Offers are irrevocable once submitted. We may (in our absolute discretion) but are not required or obliged to, stop, refund, suspend or reverse any change of fiat currency into cryptocurrency or cryptocurrency into fiat currency, or any BPAY payment or electronic funds transfer made on your behalf.
  6. You acknowledge and agree that once a Buy Offer is accepted by us and an Exchange Dealer, you must pay the corresponding amount of fiat currency specified in the Buy Offer via one of our supported payment methods (Fiat Currency Payment). Once we have received confirmation that the Fiat Currency Payment has been received by us, we will facilitate the corresponding transfer of cryptocurrency to your nominated cryptocurrency wallet address (Cryptocurrency Transfer). You must provide us with your nominated cryptocurrency wallet address details prior to the Buy Offer being accepted. You must provide a valid cryptocurrency wallet address and must not nominate a smart contract wallet address (see section 5.5).
  7. You acknowledge and agree that once a Sell Offer is accepted by us and an Exchange Dealer, you must transfer the corresponding type and amount of cryptocurrency specified in the Sell Offer to the nominated cryptocurrency wallet (Cryptocurrency Payment). We will provide you with the relevant cryptocurrency wallet address at the time a Sell Offer is accepted. Once we have received confirmation that the Cryptocurrency Payment has been received by us or the Exchange Dealer, we will facilitate the corresponding transfer of fiat currency to your nominated payment destination (as set out in paragraph (h)) (Fiat Currency Transfer). You must not transfer cryptocurrency from a smart contract wallet address (see section 5.5).
  8. You may nominate the payment destination to which a Fiat Currency Transfer is made, including:
    1. PayID or electronic funds transfer (EFT) to an Australian bank account;
    2. BPAY payment to a BPAY Biller; or
    3. automated teller machine (ATM) withdrawal at eligible ATMs.
  9. Despite any other provision in these Terms, we retain the right to refuse to provide the Services to you for any reason, such right to be exercised in our sole and absolute discretion.

5.2 BPAY payments

We will pay a BPAY bill, on your behalf in accordance with your instructions, only if:

  1. you have provided us with a valid Biller Code and Reference;
  2. the cryptocurrency transferred pursuant to an Offer once exchanged for fiat currency and minus any applicable fees (see section 6), corresponds to the amount payable for the BPay bill; and
  3. the BPAY services are accessible.

5.3 EFT

We will transfer Australian dollars to your Australian bank account, on your behalf in accordance with your instructions, only if:

  1. you have provided us with valid Australian bank details (including applicable Bank-State-Branch number and account number) that corresponds to an Australian bank account that you own (and not a third party bank account); and
  2. our banking provider network is available.
You must not nominate a bank account under these Terms that is not owned by you.

5.4 ATM

We will make available Australian dollars to be withdrawn at an Australian ATM, on your behalf in accordance with your instructions, only if you provide us with your mobile phone number, which must be a valid Australian mobile phone number. We will send an 8 digit authentication code to your Australian mobile phone number once the exchange has occurred and the corresponding Australian dollars received by us. You will then be required to attend one of the ATMs in our supported ATM network (found here), select the cardless cash out option and enter the 8 digit authentication code. You will then be sent a 4 digit code to your Australian mobile phone number. You must then enter this 4 digit code into the ATM to withdraw the Australian dollars.

You must withdraw the Australian dollars from the ATM pursuant to these Terms yourself and must not provide access to an ATM withdrawal pursuant to these Terms to any other person.

5.5 Transfers generally

  1. A Fiat Currency Transfer will generally be completed in accordance with the following timeframes.

    Delivery method - Expected timeframe

    Electronic funds transfer: Within 1 business day

    BPAY payment: Within 1 business day

    ATM withdrawal: Within 1 day

  2. Cryptocurrency Transfers are subject to the block processing times of the applicable network supporting the relevant cryptocurrency, which vary and cannot be accurately estimated. However, Cryptocurrency Transfers have historically completed within 1 day.
  3. Subject to clause 11 and to the extent permitted by law, we will not be liable to you or any other party for any loss, cost, damage, expense, fees, charges or liability suffered or incurred in relation to using the Services including:
    1. any delayed or failed Cryptocurrency Payment or Cryptocurrency Transfer due to congestion on any cryptocurrency network or any other circumstances beyond our control;
    2. you transferring cryptocurrency to the wrong account address or another account address other than an address provided by us in relation to the relevant Cryptocurrency Payment;
    3. us transferring cryptocurrency to the wrong account address as a result of you providing us with the wrong account address details to which we will transfer cryptocurrency for a Cryptocurrency Transfer;
    4. loss of cryptocurrency as a result of you nominating a smart contract wallet address or attempting to transfer cryptocurrency from a smart contract wallet address;
    5. any fluctuations in the market price of any cryptocurrency used in relation to the Services;
    6. any circumstances that are beyond our control that cause any delays in the timeframes set out in paragraph (a) to complete a Fiat Currency Payment or Fiat Currency Transfer;
    7. any fees or charges including late fees, dishonour fees and interest incurred by you or any other party in relation to any bills or any transactions. You are responsible for any fees and charges including any late fees, dishonour fees or interest incurred in relation to your bill or charged by your nominated financial institution;
    8. you entering incorrect details in any of your instructions to us; and
    9. you or any other party not receiving or being satisfied with the goods or services provided by the biller/recipient which are the subject matter of the bill being paid using the Services.
  4. Subject to clause 11, we are not liable for mistaken, delayed or unauthorised payments on your behalf. In the event that BPAY or the receiving financial institution rejects or otherwise returns any payment to us, we will repay that amount of Australian dollars to you.
  5. You acknowledge and agree that you are not entitled to claim any amount of Australian dollars received in exchange for the cryptocurrency you transfer to an Exchange Dealer with regard to any instruction. If the amount of Australian dollars actually received by us from an Exchange Dealer in relation to an Offer is different to the amount of Australian dollars that is required to pay a bill:
    1. you will pay the difference if the amount received by us is less than what is required and we will have no obligation to pay this difference. If the amount received by us is less than what is required you will be asked to contact support and may be advised to pay the difference directly with the biller; or
    2. we will keep the difference if the amount received by us is more than required and such amount shall be deemed an irrevocable ex gratia payment by you to us.
  6. You will be able to see the details of your transactions through the Services on your online account. This includes being able to see at least your past ten (10) transactions.

5.6 Transaction limits

  1. All transactions for the exchange of fiat currency for cryptocurrency through the Services must not exceed A$30,000 per transaction.
  2. All transactions for the exchange of cryptocurrency for fiat currency and a subsequent Fiat Currency Transfer to your Australian bank account under clauses 5.1(h) and 5.3 through the Services must not exceed A$30,000 per transaction.
  3. All transactions for the exchange of cryptocurrency for fiat currency and a subsequent Fiat Currency Transfer to a BPAY Biller under clauses 5.1(h) and 5.2 through the Services must not exceed A$30,000 per transaction.
  4. All transactions for the exchange of cryptocurrency for fiat currency and a subsequent Fiat Currency Transfer to you through an eligible ATM under clauses 5.1(h) and 5.4 through the Services must not exceed A$1,000 per transaction.
  5. Other transaction limits may apply, including those imposed by third parties (eg, BPAY). We will notify you prior to entering into any transaction if the proposed transaction exceeds any applicable transaction limits.
  6. You must not direct us to make any payment that exceeds the limits set out in this clause 5.6. You acknowledge and agree that we may refuse any direction by you to make a payment that exceeds the limits set out in this clause 5.6 and we will not be liable to you for any loss resulting from such refusal.

6 FEES

6.1 Service fees

We do not charge you fees to use the Services. We seek to cover our costs to provide the Services to you through cryptocurrency to fiat (and vice versa) spreads that can be obtained through our Exchange Dealers.

6.2 Processing fees

Some payment methods include fees that cover the processing costs of providing these methods. For example, ATM withdrawals may be subject to withdrawal fees. These fees can vary from time to time. We will disclose and update the processing fees on our FAQs page here. Processing fees will be added to the total amount payable by you in relation to a transaction. We will not charge you a processing fee exceeding the processing costs applicable to us. Processing fees are non-refundable.

7 NO AFSL

  1. The payment components of the Services are non-cash payment (NCP) facilities provided by us. Under the Corporations Act 2001 (Cth) (Corporations Act) any entity dealing in NCP facilities is required to hold an Australian financial services licence (AFSL) unless an applicable exemption applies.
  2. Under ASIC Corporations (Non-Cash Payment Facilities) Instrument 2016/211 we are not required to hold an AFSL to provide the Services where certain conditions are met, including the transaction limits set out in clause 5.6. The Services are provided on the basis that we are not required to hold an AFSL.
  3. You acknowledge and agree that we do not hold, or operate under, an AFSL. All text, images, audio recordings, video recordings, and other information and content, including but not limited to, market, exchange or trading information, tools, indicators, and materials (Materials) hosted or made available on or through the Website or Services is provided:
    1. for general information purposes only; and
    2. without any regard whatsoever to the personal circumstances of any person.
  4. Materials hosted or made available on or through the Website or Services does not constitute financial advice regarding any cryptocurrency or any financial product or an offer, solicitation, recommendation or invitation to buy, sell or deal in any way with any cryptocurrency or any financial product.
  5. All statements, representations, estimations, projections or forecasts made in or through the Website or Services by any other person does not represent our opinion or have our endorsement.
  6. Before acting on, or relying upon, any Materials hosted or made available on or through the Website or Services, we strongly recommend that you:
    1. undertake your own investigations and enquiries; and
    2. seek independent legal, accounting, tax, financial, business, technical and other professional advice from an appropriately qualified professional advisor.

8 LEGAL STATUS OF cryptocurrencies

  1. The legal status of cryptocurrencies (including cryptographic coins, tokens and digital assets) remains uncertain in many countries and jurisdictions around the world. Such cryptocurrencies may be legally prohibited in certain countries or jurisdictions, or be subject to specific restrictions and limitations with which you are solely responsible for complying at your own risk and expense. We take no position on the legal status of any cryptocurrency.
  2. It is your responsibility to undertake your own investigations and enquiries and satisfy yourself of the legal status of the cryptocurrency (particularly in Australia). You acknowledge and agree that you use cryptocurrencies through the Services at your own risk.
  3. The Services will only support the cryptocurrencies we determine from time to time (in our absolute discretion). However, it is your responsibility to ensure that you do not use any cryptocurrencies through the Services that are financial products within the meaning of the Corporations Act. It is also your responsibility to ensure that you do not deal in any financial product cryptocurrencies through the Services. We will not support financial products in any form.

9 USER CONTENT

  1. You must not provide any material through the Website (Your Content) that:
    1. infringes the intellectual property or other rights of another person;
    2. is defamatory, offensive, abusive, pornographic, profane or otherwise unlawful, including material that racially or religiously vilifies, incites violence or hatred, or is likely to insult or humiliate others based on race, religion, ethnicity, gender, age, sexual orientation or any physical or mental disability;
    3. relates to unlawful content;
    4. creates a privacy or security risk to any person, including be soliciting personal information from any person;
    5. is false, misleading or deceptive;
    6. contains financial, legal, medical or other professional advice;
    7. would harm, abuse, harass, stalk, threaten or otherwise offend;
    8. would reflect negatively on us, including our goodwill, name and reputation;
    9. tampers with, hinders the operation of, or makes unauthorised modifications to the Website or Services;
    10. would breach any applicable laws;
    11. would result in civil or criminal liability for you, us or any third party
  2. By providing us with any of Your Content, you:
    1. grant us a non-exclusive, worldwide, royalty-free, perpetual licence (including a right of sublicence) to use, copy, modify or otherwise exploit Your Content in connection with our provision and promotion of the Website or Services; and
    2. warrant that you have the right to grant such licence.
  3. You agree to indemnify and hold us (including any of our directors, officers, employees and contractors) harmless from any claim made by any third party arising out of Your Content.
  4. We may, without notice to you, review, modify or remove any of Your Content in our absolute discretion including where we believe it violates these terms of use.
  5. Our Website is not designed to be a long term storage medium. You are solely responsible for securing and backing up Your Content.

10 GENERAL RESTRICTIONS

In using the Website and Services, you must not:
  1. provide us with inaccurate or incomplete information;
  2. violate any applicable laws, or use the Website or Services for any purpose that is unlawful (including, money laundering, terrorism financing, paying of ransomware, illegal gambling or other criminal activities);
  3. distribute viruses, spyware, corrupted files, or any other similar software or programs that may damage the operation of any computer hardware or software;
  4. give any instruction or enter any transaction, or do or undertake any other activity, whether through the Services, which would or may negatively affect the performance of the Website or Services or our reputation;
  5. do anything that will result in us breaching any applicable laws (including the AML/CTF Laws and the Corporations Act);
  6. access the Website or Services by any means other than those authorised by these terms of use (including virtual private networks);
  7. use the Website or Services for the purpose of obtaining, processing, distributing, viewing, assessing, analysing, copying or replicating any information, methods or processes related to the Website or Services (including data scraping, the use of collection or accumulation tools and robotic or scripted responses);
  8. reverse engineer, disassemble or otherwise attempt to construct, copy or replicate the Website or Service’s source code, formulae or processes;
  9. collect or store data about other users of the Website or Services; or
  10. engage in any other conduct that inhibits any other person from using or enjoying the Website or Services.

11 WARRANTIES AND LIABILITY

11.1 General

  1. All express or implied guarantees, warranties, representations, statements, terms and conditions relating to these terms of use and the Website and Services that are not contained in these terms of use, are excluded to the maximum extent permitted by law.
  2. In particular, and without limiting paragraph (a):
    1. while we endeavour to provide convenient and functional Website and Services, we do not guarantee that your requirements will be met or that your use of the Website or Services will be uninterrupted error free or that the Website and Services are free of viruses or other harmful components; and
    2. we cannot be responsible for any loss, corruption or interception of data sent to or from our Website which occurs outside of our computer system (such as those which occur while being sent over the internet).
  3. We recommend that you install and use up to date anti-virus, anti-spyware and firewall software on your computer.
  4. Nothing in these terms of use excludes, restricts or modifies any guarantee, term, condition, warranty, or any right or remedy, implied or imposed by any legislation which cannot lawfully be excluded or limited.
  5. If any guarantee, term, condition or warranty is implied into these terms of use under the Australian Consumer Law or any other applicable legislation (a Non-Excludable Provision) and we are able to limit your remedy for a breach of the Non-Excludable Provision, then our liability for a breach of the Non-Excludable Provision is limited to the supplying of the services again, or the payment of the cost of having the services supplied again.
  6. Subject to paragraphs (g) and (h) and our obligations under the Non-Excludable Provisions, and to the maximum extent permitted by law, our maximum aggregate liability for all claims under or relating to these Terms or the Website whether in contract, tort (including negligence), in equity, under statute, under an indemnity, based on fundamental breach or breach of a fundamental term or on any other basis, is limited to A$100.
  7. Subject to our obligations under the Non-Excludable Provisions, and to the maximum extent permitted by law, we are not liable for, and no measure of damages will, under any circumstances, include:
    1. special, indirect, consequential, incidental or punitive damages; or
    2. damages for loss of profits, revenue, goodwill, anticipated savings or loss or corruption of data,
    whether in contract, tort (including negligence), in equity, under statute or on any other basis, whether or not such loss or damage was foreseeable and even if advised of the possibility of the loss or damage.
  8. Our liability to you is diminished to the extent that your acts or omissions (or those of a third party) contribute to or cause the loss or liability.

11.2 Your Warranties

You represent and warrant that:
  1. you will only use the Services in accordance with these Terms;
  2. you are duly authorised and have the capacity to provide each instruction and enter into each transaction using the Services;
  3. you will comply with all applicable laws of Australia and any other jurisdiction in which or from which you give instructions or enter transactions using the Services;
  4. all cryptocurrency amounts are sourced from legal origins that you own or otherwise have full legal authority to deal with the cryptocurrency;
  5. your use of the Services and entering into transactions does not infringe the rights of any third party or any applicable law; and
  6. you understand that your use of the Services may be suspended at any time at our discretion for breach of these Terms or at the request of any government authority investigating a fraud or other suspicious activity.

12 LINKS AND ADVERTISEMENTS

The Website and Services may contain links to other third party websites and advertisements which include embedded links, which are provided for your information only. We have not reviewed any of the sited linked to the Website or Services and are not responsible for the content or accuracy of any offsite pages or any other sites linked to the Website or Services. The inclusion of any link or advertisement does not imply that we endorse or approve the linked site or the subject matter of the advertisement. You access third party websites entirely at your own risk and subject to the terms and conditions of use for those websites.

13 PRIVACY

  1. In using the Website and Services, you may give us personal information. By using the Website and Services, you grant us consent to collect, store, use and disclose such personal information in accordance with our privacy policy (see here).
  2. You are not required to provide us with your personal information, but if you do not we may be unable to provide you with some or all of our services (including the Services).
  3. Our privacy policy explains:
    1. how we store and use, and how you may access and correct your personal information;
    2. how you can lodge a complaint regarding the handling of your personal information; and
    3. how we will handle any complaint.
  4. You may update any personal information you have given us at any time through your account on the Website.

14 INFRINGING OR OBJECTIONABLE CONTENT

If you believe the Website or Services contain elements that are objectionable, or infringe copyright or any other rights please contact us at email-adress and provide particulars of such content and a detailed description of why it is objectionable or infringing.

15 DISPUTE RESOLUTION

  1. We are committed to dealing with customer complaints promptly and resolving issues in accordance with our policies.
  2. If you wish to make a complaint about the Services, including any payment functions or our complaints process, you can contact us as set out in section 18 or via the Contact function on the Website. Please include your name, email address and/or telephone number and set out as much information as possible concerning your complaint.
  3. We treat all information submitted in connection with a complaint in confidence. Any information collected during the internal dispute resolution process is collected for the purpose of evaluating and improving the process.
  4. We seek to acknowledge receipt of all complaints within 5 business days and resolve all complaints within 30 days. This may not be possible in all circumstances and will depend on the nature of any particular complaint.
  5. We may contact you by the contact information provided by you to discuss your complaint and may ask you to provide additional information.
  6. Where we cannot resolve a complaint within 30 days, we will notify you of the reasons for the delay and we will provide you with an indication of when we expect to resolve the complaint.
  7. We will give you a written response to your complaint and the reasons for reaching a particular decision. If you believe that we have failed to address your complaint satisfactorily, we will provide you with information about any further steps you can take.

16 VARIATION

  1. We may from time to time and without notice, vary, modify or discontinue (temporarily or permanently), any or all of the Website or Services.
  2. We may unilaterally vary these Terms from time to time. We will display a notice on the Website (and notify you by means of your nominated communication method if you are receiving the Services) indicating when any such revisions have been made. By continuing to access the Website or use the Services once the revised Terms have become effective, you agree to be bound by such revised Terms. If you do not agree to the revised Terms you must not access the Website or any of the Services and you should contact us at email-adress to cancel your registration.

17 GENERAL

  1. Additional terms and conditions may apply to specific aspects, services or features of the Website or Services. All such terms and conditions apply in addition to, and prevail over, these Terms.
  2. If any part of these Terms is held to be unenforceable, the unenforceable part is to be given effect to the greatest extent possible and the remainder will remain in full force and effect.
  3. The payment components of the Services that are NCP facilities for the purposes of the Corporations Act operate on a per transaction basis and do not have an applicable expiry date as the facility is not an ongoing NCP facility provided to you. However, for the avoidance of doubt this does not reduce or remove our right to discontinue providing the Services.
  4. These Terms are governed by the laws of New South Wales, Australia. If you are a resident in Australia, each party submits to the non-exclusive jurisdiction of the courts of the State or Territory in which you ordinarily reside. If you are not resident in Australia, each party submits to the exclusive jurisdiction of the courts of New South Wales, Australia.
  5. Nothing in these Terms limits any liability we or you may have in connection with any representations or other communications (either oral or written) made prior to these Terms, where such liability cannot be excluded (including under section 18 of the Australian Consumer Law).
  6. Subject to paragraph (e), these Terms supersede all previous agreements, understandings, negotiations, representations and warranties about its subject matter and embodies the entire agreement between the parties about its subject matter.
  7. Neither party will be liable for any failure or delay in performing any of its obligations under these Terms if such delay is cause by circumstances beyond that party’s reasonable control.
  8. Your use of the Website and Services is conducted electronically, and you agree that we may communicate with you electronically for all aspects of your use of the Website and Services, including sending you electronic notices.
  9. The provisions of these Terms which by their nature survive termination or expiry of these Terms will survive termination or expiry of these Terms.
  10. The payment components of the Services that are NCP facilities for the purposes of the Corporations Act operate on a per transaction basis and do not have an applicable expiry date as the facility is not an ongoing NCP facility provided to you. However, for the avoidance of doubt this does not reduce or remove our right to discontinue providing the Services.
  11. No waiver, delay or failure by us to take any action shall constitute or be construed as a waiver of that or any other term, condition, option, privilege or right we may have.
  12. The word “including” when used in these terms of use is not a term of limitation.

18 CONTACT US

For further information about the Website, the Services, these terms of use, or to make a complaint, please contact us the details set out below

Attention: Customer support

Company: RelayPay Ptd Ltd (ACN 630 143 823)

Address: Stone & Chalk, L4, 11-17 York Street, Sydney NSW 2000 Australia

Email: email-adress