Monoova Pay Terms of Use

Acceptance

By using this website (“Site”), and further by registering to use our services (“Digital Asset Services”) and/or our Platform or Materials (each as defined below), you (“User, The User,  You or Your”) are agreeing to accept and comply with the terms and conditions of use stated below (“Terms or Terms and Conditions”).  Users should read the entire Terms and Conditions carefully before using this Site or any of the Digital Asset Services. As used herein, “We”, “Us”, “Ours”, “Monoova Pay” and “The Company” refers to the company Monoova Pay Pty Ltd (ABN 40 647 888 220) (trading as Bacce Fintech), including without limitation thereby, its owners, directors, investors, employees or other related parties or related bodies corporate. Depending upon context, “The Company” may also refer to the services, products, Site, content or other materials (collectively, “Materials”) provided by The Company. The Digital Asset Services operated by The Company allows buyers and sellers to buy, sell and transfer digital currency and cryptographic tokens (“Digital Asset(s)”)through its online platform (“Platform”). Digital Assets currently offered on the Platform include; Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), and Chainlink (LINK).

The Terms and Conditions form a binding legal agreement between You and Us. Your use of our Site, Digital Asset Services, Materials and/or Platform constitutes your acceptance and acknowledgment of the Terms and Conditions and our Privacy Policy, and other policy displayed on our Platform or Site.  These Terms and Conditions prevail over any other terms or agreement between You and Us.

Eligibility for Use

Depending on The User’s country of residence, The User may not be legally permitted to use all (or any) of the functions of the Site or the Platform. Users acknowledge that they will not use Our Digital Asset Services if any applicable laws in their country exclude The User from doing so in accordance with these Terms and Conditions. The fact that the Site or the Platform is accessible in a User’s jurisdiction, or that the Site or the Platform uses the official language of The User, must not be construed as a right to access the Site or the Platform in such a jurisdiction. Please note that even if the User resides in a country where the services and functions of the Site and or Platform are legal, they may not necessarily be granted a right to the Platform given that The Company assess’ all users on an individual basis.
Acces to the our Platform and use of Digital Services is subject to You being at least 18 years of age and having legal capacity to enter into binding contracts, and not having been previously denied access to our Platform or Materials. If You are representing an entity, company or business (other than yourself as an individual), You represent and warrant to Us that you have authority of that entity, company or business, that it has the power to enter into these Terms and Conditions. You must disclose to Us that your accessing our Platform in that capacity and provide all information required by Us in relation to such entity, company or business.
We explicitly restrict Users who are located in, under the control of, or a national or resident of: (i) the Bahamas, the Balkans, Belarus, Burma, Botswana, Cambodia, Cote D’Ivoire (Ivory Coast), Cuba, Democratic People’s Republic of Korea (DPRK), Democratic Republic of Congo, Ethiopia, Ghana, Iran, Iraq, Liberia, Pakistan, Serbia, Sri Lanka, Sudan, Syria, Trinidad and Tobago, Tunisia, Yemen and Zimbabwe, or any other country or region that becomes subject to financial sanctions under Australian law, or by UN resolution, or is subject to financial sanctions imposed by the United States government; or (ii) any person identified as a “Specially Designated National” by the United States Office of Foreign Assets Control, or subject to an equivalent designation by the Australian government or the United Nations.
Furthermore, Users acknowledge that they are legally competent and able to enter into a binding contract and have not previously been refused access or use of Our Materials and have the full power and authority to enter into these Terms.
By opening an account (“Account”) on the Platform, The User expressly represents that they are at least 18 years of age and that they have read and accept these Terms and any additional terms and conditions displayed on the Platform (including but not limited to Our privacy policy and AML/CTF policy). If You agree to and comply with these Terms, We grant You a personal, non-exclusive, non-transferable, and limited right to enter and use the Site, the Platform and Materials in accordance with these Terms. If You do not accept the Terms, You should not access this Site or the Platform and should not use the Materials.

Risks

The activity of holding and trading Digital Assets involves significant risk. Prices can, and do, fluctuate on any given day, and the value of Digital Assets is affected by factors outside of Our and Your control. Due to such price fluctuations, Users may increase or lose value in Digital Assets they hold at any given moment. Digital Assets may be subject to substantial and potentially very sudden changes in value, and there is a possibility that they may lose their value all together. Digital Assets are not recognised as legal tender in Australia and other parts of the world, and are not regulated by any central government authority. You acknowledge and accept these risks, and you warrant to us that you understand the risks involved in buying and selling Digital Assets and that you do so at your own risk.
You warrant to us that you have obtained your own independent legal and/or financial advice in relation to our Digital Services and Platform. It is your responsibility to check your Account and monitor any movements in the value of your Digital Assets, including in relation to any pending, lapsed, failed or cancelled orders.
We do not provide any specific investment advice. Any recommendations, research, signals or other information that we provide in relation to Digital Assets is general information only and based solely on the judgment of our personnel or relevant third party providers and is not financial advice specific to You, and does not take into account Your personal circumstances. We, or our employees, officers, agent and/or service providers may also invest or take positions on Digital Assets, which may be contrary to the position contained in any information distributed by us, and/or contrary to positions you may take in relation to such Digital Assets. All trading in Digital Assets is at your own risk.
Given the nature of Digital Assets, once a transaction has been accepted and confirmed by the network We are unable to reverse, amend, modify or cancel that transaction. For a Digital Asset transaction to be verified there is a period that is spent waiting for the transaction to be confirmed by the Digital Asset network. The period a transaction takes to be verified is contingent on several factors and can vary significantly. Users should not rely upon or expect that transactions on the Platform will be verified within a set time frame. A transaction on the Platform is not complete until this verification has been complete, and transactions will not be reflected in The User’s Digital Asset balance until complete.
Digital Assets possess several idiosyncratic risks not common to other assets and it is important that Users acknowledge and understand these. You acknowledge and agree that:
  • Unauthorised Access. We have, along with Our authorised third parties, put in place a set of policies, controls and procedures to protect and secure Users’ Digital Assets against unlawful and unauthorised attacks. However, We cannot guarantee Users that its Platform or systems (or that of relevant third parties) will not be accessed by unauthorised parties. Any loss or damage arising from such an event is borne by The User.
  • System or Hardware failure. We cannot guarantee Users that its systems or hardware (or those of relevant third parties) might be subject to unexpected failure or service interruptions. Users accept this risk and any loss attached to such an event
  • Liquidity risk. Unlike other assets that are backed and supported by central banks and government agencies, Digital Assets are decentralised in nature. There is a risk that liquidity in Digital Assets can vary and there is no guarantee that Users will be able to transact for value or transfer value to pay for goods and services at a specified price and time frame.
  • Counterparty risk. We hold Digital Assets on The User’s behalf and only The User holds a beneficial interest in them. There is a risk that We become insolvent or subject to losses which may jeopardise Our ability to deliver to The User some or all of the value of The User’s Digital Assets or repay deposited currency to The User.
  • Source code changes and flaws. We do not own or control the underlying software protocol which governs the operation of Digital Assets supported on the Platform. Generally, the underlying protocols are open source and anyone can use, copy, modify and distribute them. We assume no responsibility for the operation of the underlying protocols, and We are not able to guarantee their functionality, security or availability.
Digital Asset trading also has additional risks not identified in these Terms. Before making a decision to use the Site, Platform or Digital Asset Services, The User should carefully assess whether their financial situation, objectives, needs and tolerance for risk is suitable for buying, selling or trading Digital Assets.

Acceptable rights of Use

Unless otherwise specified, all Materials on this Site are the property of The Company and are protected by copyright, trade mark and other applicable laws. The User may view, print or download a copy of the Materials from this Site on any single computer solely for The User’s personal, informational, non-commercial use, provided The User keeps intact all copyright and other proprietary notices.
This Site and the Platform are for The User’s personal and non-commercial use only. By registering with The Company, The User agrees to provide The Company with current, accurate, and complete information about The User as prompted by the registration process, and to keep such information updated. The User further agrees that only The User is authorised to access and use its Account, The User will not use any Account other than The User’s own or access the Account of any other User at any time, or assist others in obtaining unauthorised access.
The creation or use of Accounts contrary to these Terms without obtaining the prior express permission from The Company will result in the immediate suspension of all such Accounts, as well as all pending purchase or sale offers. Any attempt to do so or to assist others (Users or otherwise), or the distribution of instructions, software or tools for that purpose, will result in the Accounts of such Users being terminated. Termination is not the exclusive remedy for such a violation, and The Company may elect to take further action.

Users are responsible for maintaining the confidentiality of their Account information, including their password, safeguarding Digital Assets, and for all activity including transactions that are posted to The User’s Account. If The Company reasonably believes there is suspicious activity related to The User’s Account, The Company may, but is not obligated to, request additional information from The User, including authenticating documents, and to freeze any transactions pending The Company’s review. The User is obligated to comply with these requests or accept termination of The User’s Account. The User is required to notify The Company as soon as practicable after it becomes aware of any unauthorised use of The User’s Account or password, or any other breach of security by email addressed to support@baccefintech.com. Any User who violates these rules may have their Account and access to the Platform terminated, and thereafter be held liable for losses incurred by The Company or any User of the Site or the Platform.

The User must not use this Site, the Platform or the Digital Asset Services in any way that causes, or may cause, damage to the Site, the Platform or the Digital Asset Services or the business of The Company, including undertaking any act or omission that causes, or may cause, disruption or impairment to the availability or accessibility of the Site, the Platform or the Digital Asset Services. If The User becomes aware, or should reasonably be aware, of any request or demand made of The User to engage in any act or conduct by which The User or a third party gains unfair or undue financial or other advantage, including but not limited to dishonest or corrupt conduct, or any conduct in breach of any anti-corruption law applicable to the Site, the Platform or the Digital Asset Services, then The User must promptly report any such circumstances, act or conduct to The Company in writing by email to support@baccefintech.com. The User must not use this Site, the Platform or the Digital Asset Services to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

Transactions on the Platform

The Company facilitates transactions on the Platform via an orderbook. Users (once verified by The Company) enter instructions and these are completed in line with the conditions set by The User. A transaction will take place if the matching engine can satisfy the requirements set by both the buyer and seller. The Company does not favour or discriminate between instructions. The User acknowledges that there are several factors which affect the probability of an instruction being executed, including but not limited to, time of instruction, order type, price and volume.
Once an instruction has been matched, the transaction is considered final and confirmed when the requisite number of confirmations on the relevant blockchain has been reached. The number of confirmations differs per blockchain. The User acknowledges that once an instruction is matched and the transaction is confirmed, it is irrevocable. The User further acknowledges that it will hold sufficient deposited currency or Digital Assets in its Account at all times to meet obligations arising from any transaction or to pay any fees or commission contemplated below.

User Acknowledgements

The User represents and warrants that:
  • it will only operate an Account and use the Platform to perform trades of Digital Assets in accordance with these Terms;
  • it is duly authorised and has the capacity to provide each instruction and enter into each transaction on the Platform;
  • it will comply with all applicable laws of Australia and any other jurisdiction in which or from which it seeks to operate its Account, give instructions or enter transactions;
  • all amounts deposited into its Account, whether as Digital Assets or deposited currency, come from legal sources which The User owns or otherwise has full legal authority to deal with;
  • its use of the Platform, provision of instructions or entering any transaction does not infringe the rights of any third party or any applicable law;
  • it understands that their Account may be frozen at any time at the request of any government authority investigating a fraud or other suspicious activity; and
  • it understands that loss of Digital Assets and/or deposited currency held on behalf of Users and data referring to or belonging to Users may occur.
The Company may offer additional security features as part of the Site or the Platform, such as two-factor authentication. It is The User’s responsibility to ensure and maintain continuous security and control over any device or account that gives access to the Site, the Platform and The User’s Account. Failure of any such device or account may delay or restrict The User’s access to the Site, the Platform or The User’s Account.
The User will not:
  • use the Platform to perform any illegal activity of any sort, including, but not limited to, money laundering, terrorism financing, paying of ransomware, illegal gambling or other criminal activities;
  • give any instruction or enter any transaction, or do or undertake any other activity, whether through the Platform, which would or may negatively affect the performance of the Platform or the reputation of The Company. 
  • do anything that will result in Your or Us breaching any law or regulation;
  • use any automated systems or scripts besides those APIs and widgets which are provided as part of the Platform without explicit written approval from The Company;
  • interfere with or compromise our Platforn’s integrity or decipher any server transmissions;
  • impose an unreasonably large load on our infrastructure;
  • upload viruses, worms, or invalid data on to the Platform;
  • access the Platform by any means other than those authorised by these Terms, (which includes but is not limited to) virtual private networks (VPNs);
  • use the Platform for the purpose of obtaining, processing, distributing, viewing, assessing, analysing, copying or replicating any information, methods or processes related to the Platform (including without limitation by way of 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 Platform’s source code, formulas or processes; or
  • The User is responsible for any tax liability arising from trading activities and will indemnify The Company where The Company is obliged to pay tax on behalf of The User in respect of The User’s Account or any Digital Asset held, bought or sold by The User.

The Company’s Authority

The User authorises The Company (including where necessary as The User’s agent) to:
  • process Digital Asset transactions in accordance with the instructions received from The User. The User should verify all transaction information prior to submitting instructions to The Company. The Company does not guarantee the identity of any User, receiver, requestee or other party;
  • take any steps that The Company deems reasonably necessary to ensure that the economic value held by any User in their account is maintained or secure;
  • hold Digital Assets on The User’s behalf;
  • nominate a third party to receive a Digital Asset.
For the avoidance of doubt, Digital Assets are held by The Company on a User’s behalf and The Company holds legal title to the Digital Assets. The User is the beneficial owner of the number and type of Digital Assets which are recorded in The User’s Account. The Company will maintain strict procedures to ensure that the correct number of Digital Assets is recorded as the property of the relevant User, as well as adopting reasonable security measures to reduce the risk of Digital Assets being misused, misplaced, misappropriated or stolen.

Limitations on the Use of the Platform

The Company in its absolute and sole discretion may:
  • restrict the number of open instructions a User may have on the Platform at any one time;
  • restrict the ability of a User to change or cancel a posted instruction at any time;
  • periodically define the incremental values for instructions on the Platform; and
  • cancel in whole or in part instructions that do not adhere to these limitations.

The Company’s Obligations and Powers

The Company represents and warrants that:
  • it will use all reasonable care and skill in facilitating the matching of instructions of The Users via the Platform to facilitate transactions; and
  • it will comply with the laws and regulations of Australia.
The Company may, without prior consent of The User, assign, transfer, charge, sub-contract or deal (“Assignment”) in any other manner with all or any of The Company’s rights or obligations under these Terms to a subsidiary or affiliate at any time. For the avoidance of doubt, such Assignment shall release The Company from its obligations under the Terms. The assignee will assume the obligations of The Company under the Terms from the date the Assignment is effective.
The Company does not warrant or represent that:
  • the Site or the Platform is free from errors, viruses, worms or other technical anomalies which may cause problems or damage to User’s own computer hardware or software;
  • its security systems are without fault; or
  • that the Platform will always be available. 
The Company does take reasonable measures to ensure the Platform and all The Company’s systems are secured and protected against attacks. The Company, in its absolute and sole discretion, may engage a liquidity provider to facilitate and maintain availability of Digital Assets and the stability of trading on the Platform from time to time, process large transactions on the Platform and be a User of the Platform. In the case of fraud or other suspicious activities, The Company will report all necessary information, including names, addresses and all other requested information, to the relevant authorities dealing with fraud and breaches of the law.

Fees and Commissions

The User acknowledges that The Company may charge fees in respect of the Account (“Fees”) and commissions on transactions (“Commissions”). Such Fees and Commissions are set out on the Site and may be updated from time to time by The Company. Any updated Fees and Commissions apply from the date that the updated Fees and Commissions are set out on the Site. The Company will endeavour to notify Users through their Accounts and associated email addresses at least five business days in advance of any effective date of proposed changes to Fees or Commissions, but there is no guarantee that we will do so and it is The User’s responsibility to ensure that at all times it is aware of the up-to-date Fees and Commissions applicable as set out on the Site.
The Company is authorised to deduct from the proceeds of any transaction or from a User’s Account the Commission payable in respect of any transaction and any other Fees or Admnistration Fes levied upon The User’s Account under these Terms.

Transfers of Currency and Digital Assets

The User may deposit any currency into their Account by way of direct bank transfer or BPAY. Deposits made via BPAY are subject to the BPAY terms and conditions, including any fees levied by BPAY. Deposits and withdrawals of deposited currency made by way of bank transfer are subject to the relevant bank’s transfer terms and conditions, timing and processes and Users should allow for these when making or requesting such transfers.
Deposits and withdrawals of Digital Assets are made within the Platform. Upon opening an Account, the Platform designates a Digital Asset deposit address for each User, which is specified by reference to Digital Asset type. Users should not disclose their designated deposit address to any other person other than when transferring Digital Assets to or from their Account. For security reasons, a new deposit address is issued for each Digital Asset transfer.
You are responsible for ensure that at all times there are sufficient funds in your Account to cover any applicable fees or commission payable under these Terms and/or the consideration payable in respect of any purchase of Digital Assets. The Company is authorised to deduct from a User’s Account the amount of any consideration payable in respect of a purchase of Digital Assets.

Termination

The User may terminate these Terms with The Company, and close their Account at any time, following settlement of any pending transactions on the Platform and other amounts owing or payable to The Company under these Terms, including amounts contingently owing or payable.
The User agrees that The Company may at any time, by giving notice in writing, in its sole discretion terminate or suspend the User’s access to any or all of the Site, the Platform, Digital Asset Services and to their Account. The Company is not required to provide any explanation or reason for termination or suspension. However, the reasons and circumstances which The Company may in its discretion suspend or terminate Accounts of Users, include (but are not limited to) the following:
  • attempts to gain unauthorised access to the Site, the Platform or another User’s Account or providing assistance to others’ attempting to do so;
  • overcoming software security features limiting use of or protecting any content;
  • usage of the Digital Asset Services to perform illegal activities such as money laundering, illegal gambling operations, terrorism financing, or other criminal activities;
  • violations of these Terms, where The User has not taken all reasonable steps to remedy such breach within a reasonable timeframe;
  • failure to pay or fraudulent payment for transactions;
  • unexpected operational difficulties;
  • upon the request of law enforcement or other government agencies, if deemed to be legitimate and compelling by The Company, acting in its sole discretion; or
  • abusive behaviour.
Without limiting any of the foregoing, The Company’s current policy is to terminate any unconfirmed or unverified Users after a period of 6 months if that User has not completed our customer verification process as outlined in the ‘Identification & Document Verification Service’ section below.. Without limitation any of the foregoging, The Company’s current policy is to designate (in the Company’s sole and absolute discretion) a User’s Account as an “Inactive Account” if that User has not undertaken any activity (including but not limited to Account login) for a period of 12 months or more, and if so designated then the Company may charge The User of that Inactive Account an administrative fee of 25 Australian dollars (AUD 25.00) per month (“Administrative Fee”). The Company may debit the Administrative Fee from Inactive Account. The Company may, without notice to The User, elect to convert any remaining assets in the Inactive Account into another form of asset at the then-prevailing rate of conversion of those assets for the purpose of the debiting the Administrative Fee.
Upon notice of termination of The User’s Account, unless prohibited by applicable law or by any court or other order to which The Company is subject to in any jurisdiction, The User must immediately transfer their Digital Assets or fiat currencies out of their Account to an account with a third party that has been verified by The Company. The Company must use reasonable endeavours to verify a third party account within 10 business days of The User providing The Company with the necessary information to do so. If within 120 days of the closure of The User’s Account The User does not comply with any requests from The Company in relation to verifying The User’s third party account to which it has been instructed to transfer Digital Assets or fiat currency, or The Company is unable to, or not legally permitted to, transfer The User’s Digital Assets or fiat currencies to The User’s nominated third party account despite using reasonable endeavours, The Company will have sole discretion to transfer The User’s Digital Assets and fiat currency from The User’s Account, provided that such Digital Assets and fiat currency will be held on trust for The User and at The User’s reasonable expense.
Notwithstanding any suspension or termination of The User’s Account, The User remains liable for all Fees and Commissions and/or Administative Fees payable in respect of The User’s Account or any transaction entered prior to the suspension or termination. The Company is authorised to deduct from any amounts from The User’s Account (whether as Digital Assets, Australian dollars or other accepted fiat currency) any amount payable by The User to The Company, including as Fees, Commission and/or Administrative Fees.
In the event we terminate the User’s Account and/or suspend access to the Platform, the User releases us from all liability, loss or claims suffered by the User as a result of or arising out of such termination or suspension.

Identification & Document Verification Service (DVS)

The Company reserves the right to request identification information (such as driver’s licence, identity card, invoices, government issued photographic identification, utility bills, residential certificate, signed certification of cohabitation, or similar, banking information), in certain cases certified documents may be requested. Requests and instructions may be frozen until the identity check has been considered satisfactory by The Company in accordance with its obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and The Company’s AML/CTF program and policy. The Company’s AML/CTF Policy can be located on our Site at the following address: http://52.62.255.216/privacy-policy/

The Company uses a DVS to aid in the customer ‘know your client’ KYC process. The User must consent that they are authorised to provide the personal details presented and consent to The User’s personal information being checked with the document issuer or official record holder via third-party systems for the purpose of confirming their identity. The User acknowledges and accepts that The Company will use the information The User provides during the registration process to properly identify The User (or beneficial owners, where relevant).

APIs and Widgets

We provide access to specific data and information through Our API (Application Programming Interface) or through widgets (further information can be found in the Site). We also may provide widgets for The User’s use to put Our data on Your own website. You are free to use these in their original unmodified and unaltered state.

Privacy

Any personal information of The User collected, used, stored or handled by The Company will be in accordance with Our privacy policy, which is available on our Site at the following address: http://52.62.255.216/privacy-policy/

No advice provided

Nothing on the Site or the Platform is intended to be or should be taken as financial, legal or taxation advice or a recommendation to use our Platform, our Digital Asset Services or to trade in Digital Assets. Users should seek their own financial, legal, tax and accounting advice before making any decisions with respect to use of the Site, Platform, any Digital Asset Services and trading in Digital Assets.

Liability and Indemnity

The User indemnifies and agrees to hold harmless The Company and each of its directors, officers, shareholders, advisers, consultants, agents and contractors (each a “Company Indemnitee“) against all losses, liabilities, costs, claims, damages, expenses, proceedings, expenses or demands (including third party claims) (“Losses”) which may be incurred or suffered by The Company or a Company Indemnitee directly or indirectly arising out of:
  • any breach by The User of these Terms or relevant laws or regulations;
  • any breach by The User of intellectual property rights held by The Company;
  • any information provided by The User not being correct, accurate or up-to-date;
  • any damage caused by The User to the Site, Platform, Digital Asset Services or to any other User on the Platform;
  • any failure by The User to maintain sufficient deposited currency or Digital Assets in its Account or otherwise for failing to meet its obligations under these Terms.
For the avoidance of doubt, such Losses may include but are not limited to legal fees incurred in defending or responding to such Losses.
This indemnity will apply regardless of whether an instruction or transaction was entered in error but will not apply to the extent that Losses were incurred or suffered by The Company or a Company Indemnitee due to its own fraud or willful default.
Neither party will be liable for loss of profit, loss of revenue, loss of business, loss of opportunity, loss of data, loss of Digital Assets or deposited currency or any other direct, indirect or consequential loss to any person except to the extent the loss is directly caused by a party’s fraud or willful default.
The Company’s aggregate liability in respect of claims based on events arising out of or in connection with a User’s use of the Platform, whether in contract or tort (including negligence) or otherwise, shall in no circumstances exceed the greater of either:
  • the total amount in The User’s Account making a claim at the date the last of the transactions the subject of the claim occurred, less any amount of Commission that may be due and payable to The Company in respect of such Account; or
  • 100% of the value of the transaction(s) that are subject of the claim, less any amount of Commission that may be due and payable to The Company in respect of such transaction(s).

Website and Social Media Commentary

Commentary regarding The Company via the Site, the Platform and other avenues may include commentary and information on Digital Assets, the market for Digital Assets, uses for Digital Assets and other information, interactive tools, quotes, reports and data concerning Digital Assets and trading in Digital Assets and other subject matter. Some of this information may be supplied by entities not affiliated with The Company (“Third Party Information”). The Company will use reasonable endeavours to identify and attribute all information sourced from third parties.
The Company does not explicitly or implicitly endorse or approve the Third Party Information. While The Company takes reasonable steps to ensure that the Third Party Information on its website is correct and up to date, The Company does not verify or validate such information and takes no responsibility for its content or any consequence of any person placing reliance on the Third Party Information.

Forked Blockchains

The Company reserves the right to use its own discretion when deciding to support or not support any new Digital Asset resulting from the fork of a blockchain. Users are advised to withdraw a Digital Asset to an address under their own control prior to a fork if they wish ensure that they will have access to any resultant Digital Assets.

Miscellaneous

If We are unable to provide the Digital Asset Services outlined in these Terms, or the Platform is inaccessible at any times due to factors beyond Our control including but not limited to an event of force majeure, act of God, changes in law or economic sanctions, We will not have any liability to You with respect to the Digital Asset Services provided under these Terms and for the concurrent time period of the relevant event.

Modification of Terms

The Company may revise these Terms at any time by amending this Site. The Company will endeavour to (but does not guarantee that it will) notify The User in advance through The User’s Account and associated email address, and in any event any revised terms are effective on and from the date that is 30 days after the relevant revised terms are disclosed on the Site. It is The User’s responsibility to ensure it is always aware of the most recent up-to-date Terms. By continuing to access this Site, the Platform or the Digital Asset Services once the revised terms have become effective, The User agrees to be bound by the revised terms. In the event that The User does not agree to the revised terms, or reasonably believes the revised terms are, or are likely to be, materially detrimental to them, The User must not access this Site, the Platform or the Digital Asset Services and should contact The Company at the following email address to close their Account: support@baccefintech.com. Notwithstanding any of the foregoing, The Company may amend the Terms at any time with immediate effect by publishing the same to the Site if required to do so in order to comply with any applicable law or regulatory requirement.

Intellectual Property

The trade marks, service marks and logos of The Company and others used in this Site (“Trade Marks”) are the property of The Company or their respective owners. The software, text, images, graphics, data, prices, trades, charts, graphs, video and audio used on this Site belong to The Company. The Trade Marks and Material should not be copied, reproduced, modified, republished, uploaded, posted, transmitted, scraped, collected or distributed in any form or by any means, whether manual or automated. The use of any such Materials on any other Site or networked computer environment for any other purpose is strictly prohibited, and any such unauthorised use may violate copyright, trade mark and other applicable laws and could result in criminal or civil penalties. The Company may take any action available in law or equity to protect its intellectual property and to remedy any breach or potential breach of its rights, including by seeking an injunction to prevent a breach of its rights.

Correction of errors

If we reasonably consider that an error has occurred in relation to funds or Digital Assets in your Account, including where that error relates to a software or processing glitch or loophole, The Company may take action as it considers appropriate to reverse or correct the effects of such erorr, including by deducting funds from your Account and/or reversing transactions.

Force Majeure

Any of our obligations to You will be suspended during the time and to the extent that we are prevented from or delayed in complying with that obligation due to a Force Majeure. We exclude (and Your hold us harmless from) all liability, loss or claims to the extent caused or contributed to by a Force Majeure. For the purposes of this provision, Force Majeuere means a circumstance beyond our reasonable control which occurs without out fault or negligence, and includes without limitation an act of God, inevitable accident, storm, flood, fire, eqarthquake, strike, lock-out, boycott or other industrial dispute, act of terrorism, executive or administrative order by a governmental body, prohibition of foreign or domestic laws and payment or banking system failure or error.

Complaints and disputes

If you have any complaints about Digital Services or our Platform, or any dealings you have with The Company, please contact The Company using the following details: support@baccefintech.com. The Company will consider your complaint without prejudice based on the information you have provided, and any information provided by relevant third parties.

Within 45 business days of our receipt of your complaint The Company will address all points raised in your complaint by sending you an email (“Resolution Notice”) in which The Company will: (i) offer to resolve your complaint in the way your requested; (ii) make a determination rejecting your complaint and set out the reasons for the rejection; or (iii) offer to resolve your complaint with an alternative solution.
If The Company is unable to resolve any complaint or dispute with The User directly, The User or the Company] may refer the relevant complaint or dispute to AFCA. AFCA offers a free, independent dispute resolution service for the Australian banking, insurance and investment industries. You can contact AFCA on 1800 931 678, or by writing to the Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne, VIC 3001, or online at www.afca.org.au .

Governing Law & Severability

The law of New South Wales, Australia will govern these Terms and The User’s use of the Platform. All Users submit to the non-exclusive jurisdiction of the courts of New South Wales.
Any waiver of any provision of the Terms by a party will be effective only if in writing and signed by an authorised person. If any provision of these Terms is deemed invalid or unenforceable by a court of Australia, the provision will be enforceable to the maximum extent permissible and the remaining provisions remain in full force and effect.

Entire Agreement

These Terms, together with The Company’s privacy policy and disclaimers disclosed on the Site, constitute the entire agreement between The User and The Company in relation to The User’s use of this Site, the Platform and Digital Asset Services, and supersede all other agreements (whether written or oral) in respect of The User’s use of this Site, the Platform and Digital Asset Services.
Both parties acknowledge that, in entering into these Terms, neither party relies on nor has any remedies in respect of, any statement, promises, assurances, warranties, representations or understandings (whether oral or written, and whether made innocently or negligently) made by or on behalf of the other that are not set out in these Terms.
Both parties also agree that neither party shall have any claim for innocent or negligent misrepresentation based on any statement or representation made by the other party, save that nothing in these Terms shall limit or exclude any liability for fraud.