Last updated: 12/11/2025
By using PayGear (the "Service"), operated by PayGear Pty Ltd (ABN: 97 686 797 759), you agree to these Terms of Service ("Terms"). If you disagree with any part, do not access or use the Service.
PayGear is an AUSTRAC-registered remittance service and digital currency exchange (AUSTRAC Registration No: IND100894832-001). These Terms incorporate our regulatory obligations under Australian law.
In these Terms, "Digital Currency" has the meaning given in the AML/CTF Act. "Service" refers to the products, services, content, features, technologies, or functions, and all related websites, APIs, and services offered to you by PayGear. "AML/CTF Act" refers to the Anti‑Money Laundering and Counter‑Terrorism Financing Act 2006 (Cth).
PayGear provides tools to view and manage information related to your crypto accounts and other financial connections you authorise. Future features may include peer‑to‑peer transfers and non‑custodial wallet tooling.
You must be at least 18 years old to use the Service.
When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You are also responsible for the security of any API keys you connect to the Service.
You agree to provide accurate information and to undergo identity verification as required by law (including anti‑money laundering and counter‑terrorism financing obligations). We may use the Australian Document Verification Service (DVS) and other lawful means to verify your identity.
You acknowledge that PayGear is an AUSTRAC‑regulated remittance service and digital currency exchange. We comply with the Anti‑Money Laundering and Counter‑Terrorism Financing Act 2006 (Cth) and Rules. We may delay, block, freeze or refuse transactions, suspend account features, or close accounts where we reasonably believe it is necessary to comply with law (including sanctions laws) or to manage financial crime risk. To the extent permitted by law, we may be prohibited from informing you about certain actions (no "tipping‑off"). You must not use the Service in connection with sanctioned persons, countries, or prohibited transactions.
We conduct ongoing transaction monitoring and may require additional information or documentation at any time to meet our AML/CTF obligations. Failure to provide requested information may result in service restrictions or account closure.
You agree not to use the Service for any unlawful purpose or any purpose prohibited under this clause. You agree not to use the Service in any way that could damage the Service, the business of PayGear, or other users.
You represent and warrant that you are not a sanctioned person and will not use the Service to evade sanctions, conduct illegal activity, or access the Service from jurisdictions where use is prohibited by law. We may restrict or terminate access where required by sanctions or export control laws.
You are solely responsible for the API keys you provide to connect your exchange accounts. Ensure these keys have appropriate permissions. We are not responsible for any loss or damage arising from your use of API keys.
We may modify, suspend, or discontinue any part of the Service at any time, including for maintenance, legal or security reasons. We may suspend or terminate your access if you breach these Terms or we reasonably suspect misuse, fraud, or non‑compliance.
Account termination: We may terminate your account with 30 days' notice (or immediately for serious breaches). Upon termination, you must cease using the Service and we may retain records as required by law. Any outstanding obligations survive termination.
Events beyond our reasonable control (including outages of third‑party providers, network failures, cyber incidents, pandemics, industrial actions, acts of government, or natural disasters) may impact the Service. We are not responsible for any failure or delay caused by such events but will take reasonable steps to mitigate their impact.
We may charge fees for certain features. If applicable, fees and billing terms will be presented before you are charged. Taxes may apply. Current fee schedules are available on our website and may be updated with reasonable notice.
You acknowledge and consent to our collection, use, and disclosure of your personal information as described in our Privacy Policy and as required for AML/CTF compliance. This includes transaction monitoring, screening against sanctions lists, and reporting to AUSTRAC and other regulators as required by law.
We may share information with other financial institutions and service providers for fraud prevention and regulatory compliance. You waive any bank secrecy or privacy rights that would prevent such sharing where permitted or required by law.
You are solely responsible for determining, reporting, and paying any and all taxes, duties, levies, or similar assessments that may apply to your use of the Service, including transactions in digital assets. PayGear does not provide tax advice and does not calculate, withhold, or remit taxes on your behalf. Consider consulting an independent tax adviser.
Digital assets may be volatile and carry risk. You are solely responsible for your decisions. The Service is provided on an “as is” and “as available” basis without warranties of any kind. To the maximum extent permitted by law, PayGear excludes all implied warranties and is not liable for indirect or consequential loss.
No financial product advice: Information provided via the Service is general in nature and does not take into account your objectives, financial situation, or needs. We do not provide financial product advice or act as a broker, dealer, or fiduciary. Consider obtaining independent advice before making any financial decision. We do not hold custody of your assets.
Australian Consumer Law: Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law (ACL) that cannot be excluded. Where our liability under the ACL cannot be excluded but may be limited, our liability is limited to the resupply of the services or the cost of resupply.
The Service is provided on an "AS IS" and "AS AVAILABLE" basis. PayGear makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
In no event shall PayGear or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on PayGear's website, even if PayGear or a PayGear authorised representative has been notified orally or in writing of the possibility of such damage.
Our total aggregate liability for all claims relating to these Terms is limited to the greater of (a) the total fees paid by you to us in the 12 months prior to the claim, or (b) AUD $100.
To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless PayGear, its affiliates, officers, directors, employees, contractors and agents from and against any and all claims, demands, liabilities, damages, losses, costs and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) your breach of these Terms; (c) your violation of any law or third‑party rights; (d) any content or data you submit or make available via the Service; and (e) your API keys and exchange connections.
The information presented on or through the Service is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk.
The Service, including all software, text, graphics, logos, and other materials, is owned by or licensed to PayGear and is protected by intellectual property and other laws. Subject to these Terms, we grant you a limited, revocable, non‑exclusive, non‑transferable licence to access and use the Service for your personal or internal business purposes. You must not copy, modify, distribute, sell, reverse engineer, or create derivative works from the Service or any part of it except as permitted by law.
Always verify communications purporting to be from PayGear. We will never ask for your private keys, seed phrases, or one‑time passwords. Be aware of phishing and impersonation attempts. You are responsible for securing your accounts and devices. To the extent permitted by law, PayGear is not responsible for losses resulting from third‑party fraud or scams. Report suspicious activity to support@paygear.io.
If a dispute arises, you agree to first contact us and attempt to resolve the matter informally. To the extent permitted by law, you agree that any claims will be brought on an individual basis and not as a plaintiff or class member in any purported class, consolidated, or representative action. If this waiver is found unenforceable, only that provision will be severed and the remainder of these Terms will continue in full force.
Any claim filed contrary to this section may be dismissed, and the filing party may be responsible for our reasonable legal costs and fees.
You consent to receive notices and communications from us electronically (including via email, in‑product notifications, or by posting on our website) and agree that such communications satisfy any legal requirement that such communications be in writing.
These Terms constitute the entire agreement between you and PayGear in relation to the Service and supersede any prior understandings. If any provision is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted and the remaining provisions will remain in effect. Our failure to enforce any right or provision is not a waiver of that right or provision.
Assignment: You may not assign or transfer these Terms or your rights or obligations under them without our prior written consent. We may assign or transfer our rights and obligations in connection with a merger, acquisition, corporate restructure, or sale of assets, with notice to you where required by law.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms of Service on this page.
These Terms are governed by the laws of New South Wales, Australia. You submit to the non‑exclusive jurisdiction of the courts of New South Wales, Australia. For disputes involving consumer guarantees under the Australian Consumer Law, you may also bring proceedings in your state or territory of residence.
If you have any questions about these Terms, please contact us: