Terms of Use

Acceptance of Terms

By accessing and using the Microbacte website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our website or services.

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be an Australian resident or citizen, or otherwise eligible to apply for our products
• Have the legal capacity to enter into binding agreements
• Not be prohibited by law from using financial services

Account Registration

When you register for an account or apply for a travel card, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information as needed
• Keep your login credentials confidential and secure
• Notify us immediately of any unauthorised use of your account
• Accept responsibility for all activities that occur under your account

Use of Services

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You must not:

• Use our services for any illegal or fraudulent purpose
• Attempt to gain unauthorised access to our systems or other users' accounts
• Interfere with or disrupt the integrity or performance of our services
• Transmit any viruses, malware, or other harmful code
• Use automated systems or software to extract data from our website
• Impersonate any person or entity or misrepresent your affiliation
• Use our services in any manner that could damage our reputation

Travel Card Services

Specific terms and conditions apply to our travel card products, including:

• Card issuance is subject to successful identity verification and compliance checks
• Exchange rates are determined at the time of transaction and may fluctuate
• Fees and charges are disclosed in the Product Disclosure Statement provided at application
• Card usage limits and restrictions may apply depending on your card type
• We reserve the right to suspend or terminate cards that violate our terms

Full terms governing card usage are provided in your cardholder agreement at the time of issuance.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Microbacte or its licensors and is protected by Australian and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Microbacte. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be responsible for any damage or loss caused by your use of such websites.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that:

• Our services will be uninterrupted, timely, secure, or error-free
• The results obtained from using our services will be accurate or reliable
• Any errors in our services will be corrected

Limitation of Liability

To the maximum extent permitted by law, Microbacte shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability for any claim arising from these Terms shall not exceed the amount you paid to us in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Microbacte, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of our services, your violation of these Terms, or your violation of any rights of a third party.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for the resolution of any disputes arising from these Terms or your use of our services.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use our services will cease immediately.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Contact Information

For questions about these Terms of Use, please contact us at:

Email: [email protected]
Address: Level 12, 88 Pitt Street, Sydney NSW 2000, Australia