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Terms and Conditions

Last Updated: 15/01/2024

 

Introduction

Welcome to Fractal Pay (“Company”, "we", "our", "us")! These Terms and Conditions ("Terms") govern your use of our website, mobile application, and services (collectively, “Services”) offered by Fractal Pay.

 

Acceptance of Terms

By accessing and using our Services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not access or use our Services.

 

Changes to Terms

Fractal Pay reserves the right to modify these Terms at any time. We will strive to provide at least [number of days' notice] days’ notice prior to any new terms taking effect. Your continued use of our Services after any changes constitute acceptance of the new Terms.

 

User Registration and Account Security

To use our Services, you may need to register and create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

 

Privacy Policy

Please refer to our Privacy Policy for information on how we collect, use, and disclose your personal information.

 

Use of the Service

You agree to use the Service in accordance with all applicable local, state, national, and international laws and regulations.

 

Payment and Fees

Fractal Pay may charge a service fee for use of the platform. All fees are exclusive of applicable taxes, and you agree to pay all fees and charges incurred in connection with your account at the rates in effect when such charges were incurred.

 

Early Access

The first 100 customers, who sign up and pay $1 for the app will receive the premium version of the app for free. This will be contingent on the customers using the platform for regular payments as well as following the terms and conditions of the product. The $1 payment is valid for one account only and is non-refundable.

 

Cancellation and Termination

You may cancel your account at any time. We also reserve the right to suspend or end the Services at any time at our discretion and without notice.

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Refunds

Transactions that have already been processed will not be able to be refunded through the platform. Any refunds will need to be arranged with the providers directly.

 

Disclaimers and Limitation of Liability

Fractal Pay is provided “as is” without any warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. In no event shall Fractal Pay be liable for any damages whatsoever arising out of or in connection with your use of our Services.

 

Intellectual Property

All intellectual property rights in our Services are owned by Fractal Pay or our licensors, and the use of our Services does not grant you any rights to this intellectual property.

 

Governing Law

These Terms are governed by and construed in accordance with the laws of Australia, without regard to its conflict of law principles.

 

Contact Information

For any questions about these Terms, please contact us at admin@fractalpay.com.au.

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Privacy Policy

Effective Date: 15/01/25

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Fractal Pay Pty Ltd ("Fractal Pay," "we," "us," or "our") is committed to safeguarding the privacy of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in accordance with applicable privacy laws.

 

1. Information We Collect

We collect personal information that is necessary to provide our services effectively, including:

  • Contact Information: Name, email address, phone number, and postal address.

  • Financial Information: Bank account details, credit/debit card information, and payment history.

  • Identity Verification: Date of birth, government-issued identification (e.g., driver’s license, passport), and other information required to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

  • Usage Data: Details of your interactions with our platform, including transaction history, IP address, device information, and location data.

  • Health Information (where applicable): Information related to healthcare payments, collected only with your explicit consent.

 

2. How We Use Your Information

We use your personal information to:

  • Provide and manage your Fractal Pay account and services.

  • Process payments and manage transactions.

  • Conduct identity verification and fraud prevention.

  • Comply with legal and regulatory obligations.

  • Improve our platform, services, and user experience.

  • Send updates, marketing communications, and promotional offers, where permitted.

  • Generate anonymized and aggregated data insights for internal analysis and third-party reports.

 

3. Information Sharing and Disclosure

We may share your personal information with:

  • Service Providers: Third-party partners assisting in operations, such as payment processing, data hosting, and identity verification.

  • Business Partners: Organizations we collaborate with, including Zyanza Investments and healthcare providers, to enhance service delivery.

  • Regulatory Authorities: Government agencies and regulators as required by law.

  • Third Parties: As part of legal proceedings or to protect our rights and those of our users.

  • Affiliates: Entities within the Fractal Pay group for consistent service delivery.

 

4. Data Security

We employ advanced security measures to protect your personal information against unauthorized access, use, or disclosure. These measures include encryption, firewalls, and regular security audits. However, no system can guarantee absolute security, and we encourage users to take personal precautions.

 

5. Retention of Information

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. When information is no longer required, we securely delete or anonymize it.

 

6. Your Rights and Choices

You have the right to:

  • Access, correct, or delete your personal information.

  • Withdraw consent for specific data processing activities.

  • Opt out of receiving marketing communications.

  • File a complaint with the relevant data protection authority if you believe your rights have been violated.

 

7. International Data Transfers

Your personal information may be stored and processed in jurisdictions outside your country of residence. We ensure that appropriate safeguards are in place to protect your data in accordance with applicable laws.

 

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. You can manage your cookie preferences through your browser settings. For more details, refer to our Cookie Policy.

 

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Significant changes will be communicated to you via email or through notices on our platform. Your continued use of our services constitutes acceptance of the revised policy.

 

10. Contact Us

For questions or concerns regarding this Privacy Policy or your personal information, please contact us at:

 

Fractal Pay Pty Ltd

Email: admin@fractalpay.com.au

Phone: +61 493 812 978

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