Terms and Conditions

Chron Payments Pty Ltd (trading as Chron)

Effective Date: [Insert Date]

These Terms and Conditions ("Terms") govern the use of the services provided by Chron Payments Pty Ltd ("Chron," "we," "us," or "our"). By using our website, products, or services, you agree to be bound by these Terms. If you do not agree, please refrain from using our services.

1. Definitions

• "Service" refers to the card issuing services, website, mobile applications, and any related Payments provided by Chron.
• "User," "you," or "your" refers to any person or entity accessing or using our services.
• "Account" refers to the user profile registered with Chron to access our services.

2. Eligibility

To use our services, you must:

• Be at least 18 years old or have parental/legal guardian consent if under 18.
• Be a resident of Australia or otherwise legally permitted to use our services.
• Provide accurate, complete, and up-to-date personal and financial information.
• Agree to comply with all applicable laws and regulations.

We reserve the right to refuse service to any individual or entity at our sole discretion.

3. Account Registration and Security

• You are responsible for maintaining the confidentiality of your account credentials.
• You must notify us immediately of any unauthorized access to your account.
• We are not liable for losses resulting from unauthorized use of your account due to your negligence.

4. Use of Services

By using our services, you agree to:

• Use them only for lawful purposes and in compliance with all applicable laws.
• Not use our services for fraudulent, illegal, or unethical activities, including money laundering and unauthorized transactions.
• Provide accurate transaction details and maintain updated payment information.
• Not attempt to disrupt, damage, or hack our platform, systems, or networks.

Violation of these terms may result in account suspension or termination without prior notice.

5. Fees and Payments

• Certain services may require fees, which will be clearly disclosed before use.
• All fees and charges are payable in Australian dollars (AUD).
• We reserve the right to modify fees and pricing structures with prior notice.
• You are responsible for all taxes and charges associated with your transactions.

6. Transaction Processing

• Transactions made using our services are final and non-reversible unless required by law.
• We reserve the right to decline or reverse transactions due to suspicious activity, fraud, or regulatory requirements.
• In case of transaction disputes, you must notify us promptly at [Insert Contact Email].

7. Intellectual Property

All content, trademarks, logos, and proprietary information on our platform belong to Chron or its licensors. Unauthorized use of our intellectual property may result in legal action.

8. Privacy and Data Collection

Our collection and use of your personal information are governed by our Privacy Policy. By using our services, you consent to the collection and processing of your data as described in the Privacy Policy.

9. Limitation of Liability

To the maximum extent permitted by law:

• Chron is not liable for indirect, incidental, or consequential damages resulting from your use of our services.
• We do not guarantee uninterrupted, error-free, or secure services at all times.
• Our total liability for any claim arising from these Terms shall not exceed the amount paid by you for the services in question.

10. Contact Information

For any questions regarding these Terms, please contact us at:

Chron Payments Pty Ltd

Email: [email protected]

Last Updated: 13/03/2025