1. The products and services that you may have access to via the @Pay App are provided by AtPay Trading Pty Ltd ACN 659 147 547 (@Pay) and any of @Pay’s associated entities. The categories of products and services that you may have access to via this site, include:
   (a) Digital currency wallet;
   (b) Crypto payments;
   (c) @Pay Business; and
   (d) Buy Now Pay Later.
2.  Your use of this App is subject to these terms of use and any specific terms and conditions that apply to products or services that you may access using this App or @Pay’s Website (www.atpay.io). For your ease of reference, a catalogue of all of the specific terms and conditions that may apply to the products and services that you are able to access via this App (and which were made available to you when you applied for each such product or service and which continue to apply) are set out in our App Settings page.
3.  The information on this App has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on the information on this App, consider the appropriateness of the information, having regard to the individual’s objectives, financial situation and needs and, if necessary, seek appropriate professional advice. Before making any decision to apply for, obtain or continue to hold any product or service that may be available from @Pay or any of its associated entities, please consider:
   (a) the relevant terms and conditions (available from our App Settings
   page) and its appropriateness to your circumstances; and
   (b) obtaining advice from an accountant, financial advisors or other
   appropriately qualified adviser.
4. All information, logos, trademarks, designs and material that appears on this App is owned by @Pay or any of its associated entities unless otherwise indicated. You may only use such information and material in connection with the products and services being accessed via this App.
5. Neither @Pay or any of its associated entities makes any representation or warranty regarding the completeness or accuracy of the information on or accessible via this App.
6. Any links to third party Apps or websites appearing on this App are provided for your convenience only. Your access of third-party sites using these links is done at your own risk.
7. Unless expressly stated otherwise, the information, products and services accessible via this App are directed at and provided to persons:
   (a) that are not resident or a Tax resident of, and do not otherwise have any relevant connection with, any jurisdiction which @Pay has notified as being subject to prohibitions or restrictions on accessing or using the App;
   (b) you are not a resident or Tax resident of, and do not otherwise have any relevant connection with, any jurisdiction in which entry into or performing your obligations under these terms or the delivery, holding, use or exchange of digital assets is unlawful or restricted in any way or requires licensing, registration or approval of any kind;
   (c) you are the authorised user of your enabled device, and your enabled device is not jailbroken, meaning that you have not, nor are you aware of anyone having, used an exploit to remove manufacturer or carrier restrictions from the relevant device;
   (d) you are not currently registered as a user of @Pay;
   (e) you are not impersonating any other person, operating under an alias or otherwise concealing your identity;
   (f) you are not located in, under the control of, or a national or resident of:
       (i)  any international sanctioned countries, or
       (ii) any country to which Australia or the United States has embargoed goods             or services; and
       (iii) are not identified as a "Specially Designated National" by the              Office of Foreign Assets Control of the U.S. Department of the Treasury                or the Australian Department of Foreign Affairs and Trade;
   (g) you are not placed on the U.S. Department of Commerce, Bureau of Industry and Security’s Denied Persons List or an equivalent list by the Australian Government;
   (h) you will not use our products or services if any applicable laws in your country prohibit you from doing so in accordance with these terms;
   (i) you will use our products and services solely for your own personal use only and not for any commercial or business purposes;
   (j) you are the sole ultimate beneficial owner of your account and not acting on behalf of or representing any other natural person, legal person or legal entity;
   (k) you are the beneficial owner of (or if you are acting as a trustee, the legal owner) of any digital asset or fiat currency subject to these terms and any other terms and conditions governing the use of any of our products and services; and
   (l) you are compliant with all applicable law requirements to which you are subject, including without limitation, all tax laws and regulations, exchange control requirements and registration requirements.
8. When signing up to use the App and the products and services available through the App, you will be required to:
   (a) provide personal information and documents which we will provide to our third party service providers for review as part of the AML/KYC checks;
   (b) pass AML/KYC checks;
   (c) agree to @Pay’s Terms and Conditions for the specific products and services you are using; and
   (d) depending on the products and services you use on this App, you may also be subject to credit checks conducted by our third-party credit reporting agency.
9. In addition to these Terms of Use, other specific terms and conditions relating to our products and services, all users of this App are subject to:
   (a) @Pay Privacy Policy;
   (b) @Pay AML/CTF Policy; and
   (c) any other terms and conditions or policies we consider necessary.

Last Updated: February 2023