Terms and conditions

This page sets out the terms and conditions of use of this website (the Website). By accessing or using this Website, you agree to be bound by these Terms and Conditions of Use (Terms). If you do not agree with these Terms, you must not use the Website.

About this Website 

This Website is hosted and operated by Australian Payments Plus Limited (ABN 19 649 744 203) (AP+), as a member of the Account-to-Account Payments Roundtable (Roundtable). The members of the Roundtable comprise AP+, Australian Payments Network Limited (AusPayNet), the Reserve Bank of Australia (RBA), the Commonwealth Treasury (Treasury) and any other entity invited by the Roundtable to join the Roundtable from time to time (each a Roundtable Member). 
 
AP+ is the primary point of contact for users in relation to the operation and administration of the Website, including suspension of access, variation of these Terms and handling of complaints.  
 
AP+ may revise these Terms from time to time. Any changes will be effective when posted on this Website. Your continued use of the Website after any such change constitutes your acceptance of the revised Terms. 
 
The Website is intended for users within Australia only. Although this Website may be accessed outside of Australia, AP+ makes no representation that the content complies with the laws of any other country. If you access this Website from outside Australia, you are solely responsible for ensuring compliance with applicable local laws. 

Intellectual property and content 

Unless otherwise indicated, the content on this Website has been developed by, or on behalf of, the Roundtable Members (either individually or jointly). To the extent a Roundtable Member holds necessary rights in such content, each Roundtable Member, and in the case of Treasury, the Commonwealth of Australia acting through Treasury, grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and its content solely for your own personal, non-commercial purposes. You may not otherwise use, copy, reproduce, modify, distribute or transmit any such content without the prior written consent of the relevant Roundtable Member(s), except to the extent that such use is permitted by applicable law.  
 
The content on this Website may also include material containing, or derived from or prepared using, content provided by third parties, such as Submissions (see below).  Reasonable efforts have been made to label such material on this Website. You may not exercise intellectual property rights in relation to those materials without obtaining any necessary permission of the relevant third party. 
 
The Website may include trademarks, logos and service marks (collectively, Trade Marks) belonging to Roundtable Members or other third parties. Nothing on this Website grants any licence or right to use any Trade Mark without the prior written consent of the relevant owner.   

Accuracy of content 

AP+ uses reasonable endeavours to ensure that the information that is provided on this Website is accurate and up-to-date, but AP+ does not guarantee the accuracy, currency or completeness of any information provided in all respects. The information and content provided on this Website may not necessarily reflect the views of each Roundtable Member. Some content on this Website may be provided or sourced from other Roundtable Members or third parties. AP+ does not guarantee that such information is always accurate, up-to-date or complete.  
 
AP+ may from time to time, and without notice, vary, modify or discontinue, temporarily or permanently, any or all of the Website.  
 
AP+ does not guarantee that use of the website will be uninterrupted or error-free, or that the Website including any materials accessible on or through it will be free from errors, viruses, worms or other harmful codes.  
 
AP+, AusPayNet, the RBA and Treasury are each not licensed to provide financial product advice. This Website contains general information only. Nothing on this Website is intended to constitute financial product advice within the meaning of the Corporations Act 2001 (Cth). The information provided is general in nature and does not take into account your personal circumstances, financial situation or needs. You should seek independent professional advice before acting on any information contained on this Website. 

Consultation and submissions 

From time to time, the Website may host a consultation conducted by some or all of the Roundtable Members.  
 
If you make a submission or otherwise provide any content, information or materials via the Website (Submission), you grant each Roundtable Member a non-exclusive, royalty-free licence to use, reproduce, modify, adapt, publish, communicate and sublicence your Submission for the purposes of the relevant consultation and performance of the work of the Roundtable, including for the purposes described in the Privacy Collection Notice provided to you when or before you make your Submission. You warrant that you have all necessary rights to grant this licence. 

Third party sites  

This Website may contain links or references to third party websites and resources. Any links are provided for convenience only, and do not indicate any endorsement or recommendation by the Roundtable Members. The Roundtable Members have not necessarily reviewed any third party websites linked from this Website and are not responsible or liable for the content, accuracy, legality or availability of those websites. Your access to and use of any linked third party website is at your own risk and subject to the terms and conditions of that website. 

Limitation of liability 

Nothing in these Terms exclude, restrict or modify any guarantee, term, condition, warranty, right or remedy implied or imposed by any applicable legislation that cannot lawfully be excluded or limited, including, to the extent applicable, the Australian Consumer Law (Non-Excludable Provision). 
 
Subject to any Non-Excludable Provision applicable to each Roundtable Member and to the maximum extent permitted by law:

• the Roundtable Members are not under any circumstances, liable for damages of any kind arising out of or in connection with this Website or its content;
• the Roundtable Members exclude all express or implied guarantees, warranties, representations, or other terms and conditions relating to these Terms or its subject matter, not contained in these Terms; and  
• to the extent any liability arising out of or in connection with this Website or its content cannot be lawfully excluded by the Roundtable Member: (i) no Roundtable Member is liable for any indirect, consequential or special loss or damage; and (ii) the maximum aggregate liability of any Roundtable Member to you in connection with this Website including any materials accessible on or through it, is limited to AUD$1,000 per entity, whether in contract, tort (including without limitation negligence), under statute or otherwise.  

The liability of any Roundtable Member to you is diminished to the extent that your acts or omissions (or those of a third party) contribute to or cause the relevant loss or damage. 
 
If any Non-Excludable Provisions apply to AP+ and/or AusPayNet, and AP+ and/or AusPayNet is able to limit your remedy for a breach of the Non-Excludable Provision, then liability for breach of the Non-Excludable Provision is limited to one or more of the following at the option of AP+ and/or AusPayNet (as relevant):

• in the case of goods, the replacement of the goods or the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or of acquiring equivalent goods, or the payment of the cost of having the goods repaired; or 
  in the case of services, the supplying of the services again, or the payment of the cost of having the services supplied again.
• Each Roundtable Member is an intended beneficiary of the exclusions and limitations of liability set out in these Terms to the extent applicable to them. You agree that each Roundtable Member may enforce those provisions directly against you.  

Misuse of website  

In using this Website, you must not:  

• use the Website for any purpose that is unlawful, or prohibited by these Terms;  
• use the Website in any manner that could damage, disable, overburden or impair the Website or interfere with any other person’s use of the Website; 
• attempt to gain unauthorised access to any part of the Website, other accounts, computer systems or networks connected to the Website;  
• distribute viruses, spyware, corrupted files or any other similar software or programs that may damage the operation of any computer hardware or software; 
• collect or store personal information about other users of the Website;  
• use the Website to transmit unsolicited advertising or promotional materials; or  
• engage in any other conduct that inhibits any other person from using or enjoying the Website.  

AP+ may, without notice, suspend or terminate your access to the Website if you breach, or AP+ reasonably believes you have breached, any of these Terms. 

If you think any content on this Website is inappropriate, unlawful or infringes your rights, please contact AP+ at [email protected] providing details of the content and the reason for your concern.   

Cookies and analytics 

This Website may use cookies and similar technologies to improve your experience and to collect information about how the Website is used. You can manage your cookie preferences through your browser settings. If you disable cookies, some features of this Website may not function as intended

Governing law and jurisdiction

These Terms are governed by and construed in accordance with the laws in force in New South Wales, Australia, and you unconditionally and irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts.  

General 

AP+ may revise these Terms from time to time without notice. Any changes will be effective when posted on the Website. Your continued use of the Website after any such changes constitutes your acceptance of the revised Terms. 
 
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect and the invalid or unenforceable provision will be deemed modified to the minimum extent necessary to make it valid and enforceable. 
 
No waiver, delay or failure by us to exercise any right or remedy under these Terms will constitute a waiver of that or any other right or remedy, nor will it prevent or restrict the further exercise of that or any other right or remedy. 
 
Your use of the Website is conducted electronically and you agree that AP+ may communicate with you electronically for all aspects of your use of the Website, including by sending you electronic notices.  
 

Date of last revision: July 2026