Terms & Conditions

1. Terms of use

Thank you for visiting our website (Website) and/or using our RelayPay app (App). This Website and theApp (collectively, Ecosystem) is operated by Relay Ventures 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 Relay VenturesPty Ltd and/or its subsidiaries and affiliates (referred to as “RelayPay”, “we”, “our” or “us”).
These terms of use (Terms) govern your use of the Ecosystem and the RelayPay online, exchange and payment services provided to you through the Ecosystem (Services). Please read these Terms carefully.
These Terms were prepared by Relay Ventures Pty Ltd (ACN 630 143 823, AFS Representative No.[001305063]) who is an authorised representative of Flash Partners Pty Ltd (ACN 607 885 941, AFSL 480834, contactable at[support@flash-fx.com]) (Flash Payments). As an authorised representative of Flash Partners Pty Ltd, we will be authorised to deal in, make a market in, and provide general financial product advice on, the financial products or financial services in our Ecosystem. Please refer to our Product Disclosure Statement, Target Market Determination and Financial Services Guide for further information.
By accessing or using the Ecosystem you agree to be bound by these Terms. You should immediately cease using the Ecosystem if you do not agree to these Terms.
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.
The Ecosystem and Services are intended for users within Australia only.

2. Registration

2.1 Registration

You are not required to register to use the Ecosystem. However, certain features on the Ecosystem (including the Services) may only be available if you do register.
When you register, you must provide a valid email address, a mobile number 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.
You may cancel your registration by notifying us at support@relaypay.io
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

Relay Ventures Pty Ltd (ACN 630 143 823) is registered with the Australian Transaction Reports andAnalysis Centre (AUSTRAC) as a digital currency exchange service provider (DCE100597854-001).
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-MoneyLaundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) (AML/CTF Laws).
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.
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.
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

The Ecosystem is subject to copyright and possibly other intellectual property rights.
We grant you a limited, non-transferable licence to access and use the Ecosystem solely for your personal, non-commercial purposes.
We (or our licensors) retain all rights, title, and interest in and to the Ecosystem, and nothing you do on or in relation to the Ecosystem 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.
Except as provided in these Terms, any use or copying of the Ecosystem 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).
Subject to applicable law, we may revoke the permission referred to in paragraphs (b) and (d) at anytime and may suspend or deny your access to or use of the Ecosystem without notice if you breach, or we reasonably believe you have breached, any of these Terms.

4. Linking to this website

We encourage you to provide links to the Ecosystem. 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.
You must not frame the Ecosystem or represent or imply that any part of the Ecosystem belongs to anyone other than us.
If we notify you that we object to the manner in which you provide links to this Ecosystem, you must immediately cease providing such links.

5. Service terms

5.1 Exchange services

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).
You agree, authorise, direct and consent to us:
- 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);
- 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);
- 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
- communicating to you the acceptance of a Buy Offer or Sell Offer by an Exchange Dealer.
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 counter party and not to any other person. You do not have any relationship or engage in any transaction directly with an ExchangeDealer through the Services.
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).
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.
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 CurrencyPayment 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 5.4).
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 5.4).
You may nominate the payment destination to which a Fiat Currency Transfer is made, including:
- PayID or electronic funds transfer (EFT) to an Australian bank account; or
- BPAY payment to a BPAY biller.
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:

As part of the Services, we may provide to you a service whereby you can make payments in Australian fiat currency using BPAY to a BPAY biller (BPAY Payments).
We will make a BPAY Payment, on your behalf in accordance with your instructions, only if:

(i) you connect your cryptocurrency wallet to your account in the Ecosystem, or you otherwise insert the cryptocurrency wallet address for the transaction as the withdrawal address and otherwise arrange for all necessary permissions concerning your cryptocurrency wallet for the transaction to occur;

(ii) you have the amount of selected crypto assets in your cryptocurrency wallet to be converted to the requested Australian fiat currency value, minus any applicable fees (see section 6);

(iii) you have specified the amount you would like to pay and provided us with a valid ‘Biller Code’ and ‘Reference’;

(iv) the BPAY Payment services are accessible.
All BPAY Payments (and the relevant conversion of crypto assets into Australian fiat currency) are irrevocable once submitted. We may (in our absolute discretion) but are not required or obliged to, stop, refund, suspend or reverse any BPAY Payment.
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.

5.3 Purchase and use of Gift Cards

(a) RelayPay partners with third party gift card providers (Gift Card Providers) to offer gift cards, gift certificates, and other forms of prepaid access and stored value (each a Gift Card) which you may purchase via RelayPay website. Prior to purchasing a Gift Card, please check and be aware of any expiry date, jurisdiction limitation and any disclaimers given by the issuer of the Gift Card (Gift Card Issuer) or the Gift Card Providers. It is your responsibility to carefully read and observe all terms, conditions, and disclosures relating to your purchase and use of the Gift Card. Except where required by applicable laws, we are unable to refund a Gift Card under any circumstance that is not set forth herein. After you purchase a Gift Card, you will receive the redemption instructions via email at the email address that you last provided to us through appropriate channels and as evidenced in our records (Gift CardRedemption Instructions). You may then redeem the Gift Card in accordance with the Gift CardRedemption Instructions. (https://giftagiftcards.com.au/terms-condition)

(b) Your order and use of the Gift Card is fulfilled and delivered by the Gift Card Providerhttps://giftagiftcards.com.au,if you encounter any issues arising from the Gift Card, including the redemption of the Gift Card, we will assist you in contacting the Gift Card Provider to resolve the issues.Notwithstanding the foregoing, we shall not be responsible for the delivery or your use of or redemption of the Gift Card.

(c) The risk of loss and title for Gift Cards pass to you upon the electronic transmission or transfer of the GiftCard to you or the designated recipient. You are solely responsible for safeguarding the Gift Card from unauthorized use and RelayPay shall not be responsible if any Gift Card is lost, stolen, destroyed, or otherwise used without your permission. You agree that the Gift Card Provider and/or the Gift CardIssuer are responsible for any local requirements that relate to the respective Gift Card(s) that they provide, issue, or otherwise make available, and that any discrepancy associated with such local requirements shall be disputed between you and the Gift Card Provider and/or Gift Card Issuer.

(d) In the event that a Gift Card Provider or Gift Card Issuer assigns the benefit of its credits to a third party, is declared insolvent, or has appointed or arranged to appoint a receiver or trustee in bankruptcy to take charge of all or part of its property and is therefore unable to fulfil your use or redemption of the GiftCard, except as expressly stated herein or otherwise provided by any applicable laws’ consumer protection regime, RelayPay shall not be obliged to and will not refund to you the purchase value of theGift Card and there is a chance that you are unable to recover any amount from the Gift Card Provider orGift Card

5.4 EFT

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

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
our banking provider network is available.
the BPAY services are accessible.

You must not nominate a bank account under these Terms that is not owned by you.

5.4 Transfers generally

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
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, CryptocurrencyTransfers have historically completed within 1 day.
A BPAY Payment will generally be completed within 1 business day.
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 theServices including:
- any delayed or failed Cryptocurrency Payment or Cryptocurrency Transfer due to congestion on any cryptocurrency network or any other circumstances beyond our control;
- you transferring cryptocurrency to the wrong account address or another account addressother than an address provided by us in relation to the relevant Cryptocurrency Payment;
- 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 aCryptocurrency Transfer;
- 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;
- any fluctuations in the market price of any cryptocurrency used in relation to the Services;
- any circumstances that are beyond our control that cause any delays in the timeframes set out in paragraphs (a) to (c) to complete a Fiat Currency Payment, Fiat Currency Transfer or BPAY Payment;
- 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;
- your reliance on the estimated crypto/fiat exchange rate as it is indicative only, and the effective crypto/fiat exchange rate (which is the exchange rate at which conversion will occur)will be confirmed at the quote stage, before you confirm the relevant transaction;
- you entering incorrect details in any of your instructions to us; and
- 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.
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.
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 a BuyOffer or Sell Offer is different to the amount of Australian dollars that is required to pay a bill:
- 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
- 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.
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.

5.5 Transaction limits

All transactions for the exchange of fiat currency for cryptocurrency through the Services must not exceed A$100,000 per transaction.
All transactions for the exchange of cryptocurrency for fiat currency and a subsequent Fiat CurrencyTransfer to your Australian bank account under clauses 5.1(h) and 5.3 through the Services must not exceed A$100,000 per transaction.
All transactions for the exchange of cryptocurrency for fiat currency and a subsequent Fiat CurrencyTransfer to a BPAY Biller under clauses 5.1(h) and 5.2 through the Services must not exceed A$1,000 per transaction.
Other transaction limits may apply, including those imposed by third parties (e.g., BPAY). We will notifyyou prior to entering into any transaction if the proposed transaction exceeds any applicable transactionlimits.
You must not direct us to make any payment that exceeds the limits set out in this clause 5.5. 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 5.5 and we will not be liable to you for any loss resulting from such refusal.

6. Service terms

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. 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. Legal status of cryptocurrencies

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.
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.
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 theServices. We will not support financial products in any form.

8. User content

You must not provide any material through the Ecosystem (Your Content) that:
- infringes the intellectual property or other rights of another person;
- 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;
- relates to unlawful content;
- creates a privacy or security risk to any person, including be soliciting personal information from any person;
- is false, misleading or deceptive;
- contains financial, legal, medical or other professional advice;
- would harm, abuse, harass, stalk, threaten or otherwise offend;
- would reflect negatively on us, including our goodwill, name and reputation;
- tampers with, hinders the operation of, or makes unauthorised modifications to the Website or Services;
- would breach any applicable laws;
- would result in civil or criminal liability for you, us or any third party
By providing us with any of Your Content, you:
- 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
- warrant that you have the right to grant such licence.
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.
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.
Our Website is not designed to be a long term storage medium. You are solely responsible for securing and backing up Your Content.

9. General restrictions

In using the Ecosystem and Services, you must not:

provide us with inaccurate or incomplete information;
violate any applicable laws, or use the Ecosystem or Services for any purpose that is unlawful (including, money laundering, terrorism financing, paying of ransomware, illegal gambling or other criminal activities);
distribute viruses, spyware, corrupted files, or any other similar software or programs that may damage the operation of any computer hardware or software;
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;
do anything that will result in us breaching any applicable laws (including the AML/CTF Laws and the Corporations Act);
access the Ecosystem or Services by any means other than those authorised by these terms of use(including virtual private networks);
use the Ecosystem or Services for the purpose of obtaining, processing, distributing, viewing, assessing, analysing, copying or replicating any information, methods or processes related to the Ecosystem orServices (including data scraping, the use of collection or accumulation tools and robotic or scripted responses);
reverse engineer, disassemble or otherwise attempt to construct, copy or replicate the Website or Service’s source code, formulae or processes;
collect or store data about other users of the Ecosystem or Services; or
engage in any other conduct that inhibits any other person from using or enjoying the Ecosystem or Services.

10. Warranties and liability

10.1 General

All express or implied guarantees, warranties, representations, statements, terms and conditions relating to these terms of use and the Ecosystem and Services that are not contained in these terms of use, are excluded to the maximum extent permitted by law.
In particular, and without limiting paragraph (a):
- while we endeavour to provide convenient and functional Ecosystem and Services, we do not guarantee that your requirements will be met or that your use of the Ecosystem or Services will be uninterrupted error free or that the Ecosystem and Services are free of viruses or other harmful components; and
- we cannot be responsible for any loss, corruption or interception of data sent to or from our Ecosystem which occurs outside of our computer system (such as those which occur while being sent over the internet).
We recommend that you install and use up to date anti-virus, anti-spyware and firewall software on your computer.
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.
If any guarantee, term, condition or warranty is implied into these terms of use under the AustralianConsumer 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.
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 Ecosystem 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.
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:
- special, indirect, consequential, incidental or punitive damages; or
- 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.
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.

10.2 Your Warranties

You represent and warrant that:

you will only use the Services in accordance with these Terms;
you are duly authorised and have the capacity to provide each instruction and enter into each transaction using the Services;
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;
all cryptocurrency amounts are sourced from legal origins that you own or otherwise have full legal authority to deal with the cryptocurrency;
your use of the Services and entering into transactions does not infringe the rights of any third party or any applicable law; and
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.

11. Links and advertisements

The Ecosystem 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 Ecosystem or Services and are not responsible for the content or accuracy of any offsite pages or any other sites linked to the Ecosystem 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.

12. Privacy

In using the Ecosystem and Services, you may give us personal information. By using the Ecosystem and Services, you grant us consent to collect, store, use and disclose such personal information in accordance with our privacy policy (see here).
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).
Our privacy policy explains:
- how we store and use, and how you may access and correct your personal information;
- how you can lodge a complaint regarding the handling of your personal information; and
- how we will handle any complaint.
You may update any personal information you have given us at any time through your account on the Ecosystem.

13. Infringing or Objectionable content

If you believe the Ecosystem or Services contain elements that are objectionable, or infringe copyright or any other rights please contact us at support@relaypay.io and provide particulars of such content and a detailed description of why it is objectionable or infringing.

14. Dispute resolution

We are committed to dealing with customer complaints promptly and resolving issues in accordance with our policies.
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 Ecosystem. Please include your name, email address and/or telephone number and set out as much information as possible concerning your complaint.
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.
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.
We may contact you by the contact information provided by you to discuss your complaint and may ask you to provide additional information.
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.
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 you have the right to refer the matter to the Australian Financial Complaints Authority (AFCA) directly. AFCA provides fair and independent financial services complaint resolution service that is free to you. AFCA can be contacted at: Phone: 1800 931 678 Web: www.afca.org.au Email: info@afca.org.au Write: Australian FinancialComplaints Authority, GPO Box 3, Melbourne 3001. If you choose to lodge a complaint with AFCA, it must be lodged within two years from the date of our final response to your complaint.

15. Variation

We may from time to time and without notice, vary, modify or discontinue (temporarily or permanently), any or all of the Ecosystem or Services.
We may unilaterally vary these Terms from time to time. We will display a notice on the Ecosystem (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 Ecosystem or use theServices 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 Ecosystem or any of the Services and you should contact us at to cancel your registration.

16. General

Additional terms and conditions may apply to specific aspects, services or features of the Ecosystem orServices. All such terms and conditions apply in addition to, and prevail over, these Terms.
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.
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.
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.
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).
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.
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.
Your use of the Ecosystem and Services is conducted electronically, and you agree that we may communicate with you electronically for all aspects of your use of the Ecosystem and Services, including sending you electronic notices.
The provisions of these Terms which by their nature survive termination or expiry of these Terms will survive termination or expiry of these Terms.
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.
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.
The word “including” when used in these terms of use is not a term of limitation.

17. Referral program

17.1 How to earn RelayPay referral rewards:

Visit our Referrals page to find your personal referral link.
Send your referrals in a direct email, or Copy the link to share it via text message and social messaging apps like Instagram, Twitter and WhatsApp.
Friends can then click your referral link and sign up for a RelayPay account.
Once signed in, referrals need to complete a buy or sell transaction using their new RelayPay account.

Some important details:

Your friends also must not have an existing RelayPay account.
Once a friend completes a transaction, you will start earning 0.10% of their entire transaction volume at RelayPay.
Your personal referral link does not expire and each additional successful referral will add to your RelayPay referral earnings.
Monitor your incoming referral earnings by visiting the RelayPay My Profile page.
Please note, the minimum referral earnings withdrawal is $100.00 AUD, if your referral account balance is less than this amount, we encourage you to continue referring friends.

17.2 Why haven’t I received my referral rewards?

Possible reasons you or your referrals are not eligible for RelayPay rewards:

All referrals must sign up via your personal referral link. Meaning they must open a new RelayPay account by directly clicking on your unique link. Referrals are not successful if the invitee opens an account using the regular RelayPay sign up.
All referrals must complete a successful transaction in order to qualify for referral rewards. Incomplete transactions will not count towards RelayPay referral rewards.
Referral rewards are only paid once the referred account is verified and has completed an initial buy or sell transaction. The buy or sell transaction must be completed, meaning the funds are delivered to the account (Transactions can take between 30 minutes to 48 hours to complete). Your RelayPay reward balance will continue to grow with each additional transaction made, by each individual referred account.
RelayPay will not pay out referral rewards on duplicate or unverified accounts. Duplicate or shared accounts will result in disqualification.
If a referral fails to complete an initial transaction requirement, RelayPay rewards will not begin until they have completed a transaction.

17.3 Referral Program Terms and Conditions

Promoting a personal referral link through the use of paid advertising on 'RelayPay' or related keywords is prohibited. This includes, but is not limited to, bidding or running ads on search brand keywords that include'RelayPay' or similar variations and using 'RelayPay' branded terms in your ad copy, is not appropriate. Referrers who engage in such activities will have their referral codes deactivated and all referrals resulting from such activities are ineligible for referral payments.

17.4 Disclaimer

Unfortunately, RelayPay cannot guarantee rewards for every account you refer due to the conditions mentioned above. In addition, RelayPay reserves the right to change the terms of the RelayPay referral program at any time due to changing market conditions, risk of fraud, or other reasons. By participating in the referral program, you acknowledge that receiving reward payouts is conditional and not guaranteed by RelayPay.

18. Contact us

For further information about the Ecosystem, the Services, these Terms, or to make a complaint, please contact us the details set out below.