Multinational Finance Group Pty Ltd, trading as MultiPay (“we”, “our”, “us”), is committed to protecting your privacy and ensuring that your personal information is handled in a safe, transparent and compliant manner. This Privacy Policy explains how we collect, use, store and disclose your information when you use our website, platform, mobile services or any cross-border payment and settlement services we provide. This policy explains our handling of personal information; it does not replace any separate consent required by applicable law.

Information We Collect

1.1 Personal Identification Information
We may collect personal identification details such as full name, date of birth, residential address, identification documents including passport, national ID or driver’s licence, and contact information including email and phone number.

1.2 Financial and Transaction Information
We may collect financial information necessary for providing services, including bank account details, transaction history, payment instructions, settlement details and currency preferences.

1.3 Compliance and Verification Information
To comply with AML/CTF regulations, we may collect identity verification documents, source of funds or source of wealth information, risk assessment details, KYC or KYB information and enhanced due diligence documentation.

1.4 Technical and Usage Data
We may collect technical data such as IP address, browser and device information, pages visited, access times, interactions with our platform and cookies or analytics information.

How We Use Your Information
We use your information to process cross-border payments and settlements, maintain user accounts, send confirmations or notifications, comply with legal and regulatory obligations including AUSTRAC AML/CTF requirements, prevent fraud, improve our services and provide customer support.

Legal Basis for Processing
We process personal information based on compliance with AML/CTF laws, performance of contractual obligations, legitimate business interests and user consent where applicable.

Data Storage and Security
We take reasonable steps to protect personal information against misuse, loss and unauthorised access, modification or disclosure. No online transmission or storage system can be guaranteed completely secure. Retention depends on applicable legal obligations and the purpose for which the information is held.

Sharing and Disclosure of Information
We may share information with regulatory bodies such as AUSTRAC when legally required. We may share information with financial institutions and settlement partners for transaction processing, with service providers supporting identity verification, cloud storage, IT security or analytics, and with legal authorities if required by law. We do not sell or trade your personal information.

International Data Transfers
Your information may be transferred to or stored in Australia, Singapore, Hong Kong, the United Arab Emirates, the European Union or the United States. We ensure that international transfers meet applicable data protection requirements.

Your Rights
You may have the right to access your personal information, request correction of inaccurate data, request deletion when legally permitted, restrict processing, withdraw consent where applicable or request a copy of your data. To exercise these rights, contact us at admin@mfgpay.com.

Access, correction and privacy complaints
You may request access to your personal information or ask us to correct inaccurate or incomplete information. Contact the Privacy Officer at admin@mfgpay.com or 401, 799B Pacific Highway, Chatswood NSW 2067, Australia. We may need to verify your identity. If you have a privacy complaint, describe the issue and your preferred contact details. We will review your complaint and communicate the outcome. We aim to respond within 30 days and will explain if more time is needed. If you are dissatisfied with our response or do not receive a response within a reasonable period, you may complain to the Office of the Australian Information Commissioner at oaic.gov.au/privacy/privacy-complaints. Legal retention obligations may limit deletion. This does not limit your statutory rights.

Cookies and Tracking Technologies
We may use cookies to enhance functionality, personalize content and analyze usage. You may disable cookies through your browser settings; however, certain site features may not function properly.

Changes to This Privacy Policy
Multipay may update this Privacy Policy from time to time. Changes will be posted on this page with the updated effective date. This version was updated on 1 November 2026.

Contact Us
Multipay – Privacy Officer
Email: admin@mfgpay.com
Website: www.mfgpay.com

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.

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.

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.

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.

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.

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.

Limitation of Liability
Nothing in these Terms excludes or restricts rights, guarantees or remedies that cannot lawfully be excluded. Responsibility for a delay, error or loss will be assessed under applicable law and the agreed transaction terms, including the role of MultiPay and any third-party provider. Use of a third-party service does not by itself remove any responsibility MultiPay has under applicable law.

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.

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.

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.

Amendments to These Terms
Changes to these Terms apply prospectively. Material changes affecting an existing service will be communicated as required by law and the agreed terms. Updating this website does not retrospectively change the terms of an already agreed transaction or remove accrued rights.

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.

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

MultiPay – Service Enquiries
Email: admin@mfgpay.com
Website: www.mfgpay.com

This Refund Policy outlines the conditions under which refunds may be issued for payments or settlement transactions processed through Multipay (“we”, “our”, “us”). By using our services, you acknowledge and agree to the terms described below.

Refund Eligibility
Contact us promptly if you wish to cancel or recall a payment. Whether instructions can be stopped depends on the processing stage and receiving provider. A completed payment may be irreversible, but this does not remove any refund, compensation or other remedy available under applicable law.

Incorrect or Failed Transactions
If a payment is delayed, rejected or fails, we will review its status, the cause and the location of the funds. Any return of available funds and any charges will be assessed against applicable law and the agreed terms. We will explain the outcome and any documented third-party costs where disclosure is permitted.

Compliance and Regulatory Review
Transactions and return requests are subject to applicable AML/CTF, sanctions and other legal requirements. A return may be delayed or restricted where required by law or a lawful hold. We will provide information about status and next steps to the extent legally permitted; a routine review does not automatically mean that funds are forfeited.

Fees and Charges
Any cancellation fee or deduction must be permitted by applicable law and the agreed terms. We will explain charges incurred, any conversion required for a return and the resulting amount before proceeding where practicable. Fees will be refunded where required by law.

Processing Time for Refunds
If a refund is approved, it will be issued to the original payment source unless otherwise required by law. Processing times may vary depending on financial institutions, international banking networks or compliance checks. Multipay does not guarantee a specific timeframe but will make reasonable efforts to complete the refund promptly.

User Responsibilities
Check recipient and payment details carefully and notify us promptly of any error. We will assess available recovery steps. Recovery cannot be guaranteed; responsibility for any loss depends on the facts, agreed terms and applicable law.

Completed Transactions and Statutory Rights
A settled bank payment or blockchain transfer may not be technically reversible. This does not exclude rights or remedies under applicable law. Contact admin@mfgpay.com with the transaction reference and the issue so that we can review your request. Do not send passwords, private keys or recovery phrases.

Amendments to This Policy
Policy updates apply prospectively and do not remove accrued rights or change an agreed transaction retrospectively. Applicable law prevails over any inconsistent policy wording.

Contact Us
If you believe a refund may be applicable to your transaction, please contact:

Multipay – Support Team
Email: admin@mfgpay.com
Website: www.mfgpay.com

We will review your request and provide guidance based on the status of your transaction and relevant compliance requirements.

Multipay is committed to ensuring that our website, platform and online services are accessible to all individuals, including users with disabilities. We aim to provide an inclusive and user-friendly experience by following recognized accessibility standards and continuously improving our digital environment.

Our Commitment to Accessibility
We are dedicated to making our services usable by the widest possible audience. Our goal is to align our website and platform with internationally accepted accessibility guidelines, including the Web Content Accessibility Guidelines (WCAG) 2.1, to ensure compatibility with assistive technologies and diverse user needs.

Measures We Take
We make ongoing efforts to enhance accessibility across our digital services. This includes improving readability, supporting screen reader compatibility, ensuring clear navigation, providing sufficient contrast, enabling keyboard navigation, and maintaining responsive design for various devices.

Continuous Improvement
Accessibility is an ongoing process. We regularly review and update our website features to improve usability and ensure that accessibility remains a core part of our digital development and user experience design.

Third-Party Content
Some sections of our website may rely on third-party tools or embedded content. While we strive to work only with partners who follow accessibility standards, we cannot guarantee the accessibility of content not directly managed by Multipay.

Feedback and Contact
We welcome feedback regarding accessibility issues or suggestions for improvement. If you experience difficulty using our website or accessing any part of our services, please contact us so we can assist you and improve the user experience.

Multipay – Accessibility Contact
Email: admin@mfgpay.com
Website: www.mfgpay.com