Terms & Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the website, platform and services provided by Multipay (“we”, “our”, “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must discontinue use of our services.

1. Use of Our Services
   You agree to use our website and services only for lawful purposes and in accordance with all applicable laws and regulations. By using our services, you represent that you are at least 18 years old and legally capable of entering into binding agreements.

2. Cross-Border Payment and Settlement Services
   Multipay provides cross-border payment and settlement services for personal and business use. All transactions are subject to verification, compliance checks and approval. We may refuse or delay a transaction if required by legal, regulatory or risk-management obligations.

3. Identity Verification and Compliance
   To comply with AML/CTF laws, we may require identity verification documents, source-of-funds information or additional compliance documentation. You agree to provide accurate and truthful information. Failure to provide required information may result in delayed or cancelled transactions.

4. Indicative Rates and Final Settlement Rates
   Any exchange rates displayed on our website or platform are indicative only and do not represent the final settlement rate. Actual rates may vary due to market conditions or compliance requirements. Final confirmed rates will be provided to you before the transaction is processed.

5. Service Availability
   We strive to ensure continuous service availability but do not guarantee uninterrupted or error-free operation. Maintenance, upgrades or unforeseen issues may temporarily affect service availability.

6. Limitation of Liability
   To the maximum extent permitted by law, Multipay is not liable for any indirect, incidental, consequential or punitive damages arising from the use or inability to use our services. We are not responsible for delays, errors or losses caused by financial institutions, intermediaries, telecommunications networks or external systems used in the transaction process.

7. User Responsibilities
   You are responsible for ensuring that the information you provide is accurate and complete. You must notify us immediately if you suspect unauthorized access or misuse of your account.

8. Prohibited Activities
   You may not use our services for any unlawful purpose, including fraud, money laundering, terrorist financing, sanctions evasion or activities prohibited under applicable laws. We reserve the right to suspend or terminate access to our services if prohibited activities are suspected.

9. Intellectual Property
   All content, branding, design, text, graphics, logos and software on the Multipay website are the property of Multipay or its licensors. You may not copy, distribute or exploit any part of the website without prior written permission.

10. Amendments to These Terms
    Multipay may update or modify these Terms at any time. Changes will take effect upon posting on this page with an updated date. Continued use of our services after changes constitutes acceptance of the revised Terms.

11. Governing Law
    These Terms are governed by the laws of Australia. Any disputes arising from these Terms or the use of our services shall be resolved in the courts of Australia unless otherwise required by applicable law.

12. Contact Us
    If you have questions regarding these Terms, please contact:

Multipay – Legal Department
Email: admin@mfgpay.com
Website: www.mfgpay.com