Last Updated: APRIL 2026
Definitions & Interpretation
1.1 Definitions. In these Terms:
“EdifyPay”, “we”, “us” means Solidifyed Pty Ltd (ABN 47 664 125 473).
“Platform” means EdifyPay’s websites, dashboards, APIs, mobile or web applications, documentation, sandbox, and related services, whereas applicable.
“Merchant” (or “Service Institution”) means a business or institution onboarded to receive payments via the Platform.
“End‑User” means a natural person or payer using the Platform to make a payment or donation to a Merchant.
“Service Provider” means a third‑party financial institution or licensed provider engaged to process, clear, convert, settle, or otherwise handle transactions (e.g., banks, payment processors, exchanges).
“Digital Asset” means a cryptographically secured asset (including stablecoins) accepted on the Platform;
“Fiat” means legal tender (e.g., AUD, USD).
“Transaction” means a payment initiated through the Platform for the benefit of a Merchant.
“Settlement” means transfer of net proceeds (after applicable fees/adjustments) from a Service Provider to the Merchant’s nominated account.
“Australian Consumer Law (ACL)” means Schedule 2 of the Competition and Consumer Act 2010 (Cth).
1.2 Interpretation. Headings are for convenience only; references to “including” mean “including without limitation”; singular includes plural; references to laws include amendments and re‑enactments; references to “writing” include email and authenticated web notices.
Our Role & Relationship
2.3. Merchant–End‑User privity. For any goods/services, the contract of sale is between Merchant and End‑User. EdifyPay is not a party to that contract and does not control quality, delivery or refunds.
Acceptance of Terms & Related Policies
3.1. Binding agreement. By accessing or using the Platform, you accept these Terms and our Privacy Policy (as amended from time to time).
3.2 Order Forms & Annexures. Merchant onboarding materials (e.g., application, KYB pack, risk questionnaire, order/pricing form) form part of this Agreement. To the extent of inconsistency, the order/pricing form prevails for commercial terms.
Eligibility, Registration & Security
4.1 Eligibility. End‑Users must be at least 18 and have capacity to contract. Merchants must be duly formed and authorised to conduct their activities.
4.2 KYC/KYB & sanctions screening. We (or Service Providers) may collect and verify identity information, beneficial ownership, source of funds/wealth, and conduct ongoing screening (including sanctions and watchlists) as required by law and our risk policies. Failure to supply information may result in suspension or refusal of services.
4.3 Security. You must keep credentials secure, comply with Platform security procedures, and notify us immediately of actual/suspected compromise or unauthorised use. Merchants must promptly revoke access for departed personnel and notify us of changes to authorised users.
Acceptable Use; Prohibited Activities
5.1 Lawful use only. You must not use the Platform in breach of law, third‑party rights, or these Terms.
5.2 Examples of prohibited activities include: fraud; misrepresentation; interference with security features; scraping or reverse engineering; false identity or KYC evasion; processing for non‑Merchant purposes; or any activity listed in Schedule 1 (Prohibited Activities).
5.3 Risk‑based controls. We may impose limits, verification, or holds/reserves; delay or decline Transactions; or require enhanced due diligence based on risk.
Transactions, Currency Conversion & Fees
6.1 Transaction totals. Displayed totals will include EdifyPay/Service Provider fees and (if applicable) currency conversion amounts shown at the point of instruction. By proceeding, the End‑User authorises payment of the displayed total. Additional third‑party charges (e.g., bank fees, network/gas fees) are outside our control.
6.2 Quotes & expiry. Quotes are time‑bound; if not completed within the indicated window, you must initiate a new quote.
6.3 Error/FX safeguards. We (or Service Providers) may cancel or require re‑pricing where there are material pricing or exchange‑rate errors or exceptional market moves outside risk tolerances.
6.4 Irreversibility of Digital Asset transfers. Once broadcast and confirmed on‑chain, Digital Asset transfers may not be reversible.
6.5 Settlement. Unless otherwise agreed, Settlement to the Merchant is made by the relevant Service Provider to the Merchant’s nominated account, net of fees, chargebacks, claw‑backs, or reserves.
6.6 Taxes. Each party is responsible for its own taxes. Merchants must determine, collect, report, and remit any GST or other taxes on their supplies.
Merchant‑Specific Obligations
7.1 Onboarding & continuing obligations. Merchants must provide accurate information, maintain updated authorised user lists, adopt reasonable information security, and comply with AML/CTF, sanctions, privacy, and consumer laws relevant to their business.
7.2 Prohibited businesses. Merchants must not process payments for industries or use‑cases listed in Schedule 1 without our prior written consent.
7.3 Refunds & disputes with End‑Users. Merchant must maintain a written refund/returns policy and handle End‑User support and complaints concerning the underlying goods/services. EdifyPay may (but is not obliged to) pass through Service Provider rules applicable to reversals or refunds.
7.4 Reserves; set‑off. We or a Service Provider may establish transaction holds or rolling reserves, and set‑off against amounts otherwise payable to the Merchant for chargebacks, reversals, refunds, or suspected unlawful activity.
7.5 Brand & representations. You must not misrepresent your relationship with EdifyPay. Use of our name or marks requires prior written consent.
End‑User‑Specific Obligations
8.1 Accurate information. End‑Users must provide true and complete payment and identity details and follow on‑screen instructions with care.
8.2 Disputes with Merchants. For product/service issues or refunds, your primary recourse is with the Merchant. EdifyPay is a technology facilitator and does not adjudicate the underlying Merchant contract.
8.3 Unauthorised use. If you suspect unauthorised activity, notify us immediately. You remain responsible for losses arising from compromised credentials you control.
Privacy & Data Protection
9.1 Privacy Policy. Our Privacy Policy describes how we collect, use, disclose, and protect personal information, including cross‑border disclosures and complaint pathways (e.g., OAIC). It is incorporated by reference.
9.2 Data sharing. We may share data with Service Providers (and their sub‑processors) for processing, compliance, fraud prevention, and risk management, subject to contractual and legal safeguards.
9.3 De‑identification. We may use de‑identified or aggregated data for analytics, benchmarking, and improving the Platform.
Intellectual Property & Licence
10.1 Ownership. We (or our licensors) retain all IP rights in the Platform.
10.2 Limited licence. We grant you a non‑exclusive, revocable, non‑transferable licence to access and use the Platform as permitted by these Terms.
10.3 Restrictions. You must not copy, modify, reverse engineer, or create derivative works of the Platform except to the limited extent expressly permitted by law.
Platform Access, Availability & Support
11.1 Availability. The Platform is provided on an “as is” and “as available” basis; we do not warrant uninterrupted or error‑free operation.
11.2 Changes & maintenance. We may modify, suspend, or discontinue features, conduct maintenance, or change technical requirements at any time.
11.3 APIs & rate limits. If API access is provided, you must comply with any developer terms, security requirements, and rate‑limits; we may throttle or suspend access for breach or risk.
12. Warranties; Disclaimers
12.1 Your warranties. You warrant you have authority to enter into these Terms; your information is accurate; and your use will be lawful.
12.2 EdifyPay disclaimers. To the maximum extent permitted by law, we disclaim all warranties (express, implied or statutory) regarding the Platform, including merchantability, fitness for purpose, non‑infringement, availability and accuracy. Your use is at your own risk. Mandatory consumer guarantees under the ACL are not excluded.
13. Limitation of Liability
13.1 Cap. Our aggregate liability for all claims arising out of or in connection with the Platform or these Terms is capped at USD 1,000 (or the minimum higher amount required by non‑excludable law).
13.2 Exclusions. We are not liable for any indirect or consequential loss, loss of profit, revenue, goodwill, or data, to the extent permitted by law.
13.3 ACL. Nothing in these Terms limits your rights under the ACL consumer guarantees where they apply.
14. Indemnity
14.1 Your indemnity. You indemnify EdifyPay and our Service Providers against claims, losses, damages, costs, and expenses arising from: (a) your breach of these Terms or law; (b) misuse of the Platform; (c) inaccurate information; or (d) claims between Merchants and End‑Users regarding underlying goods/services.
15. Suspension & Termination
15.1 By us. We may suspend or terminate access immediately if you breach these Terms, present compliance risk, or if required by law, a regulator, or a Service Provider.
15.2 By you. You may close your account at any time; accrued obligations survive (e.g., fees, indemnities).
15.3 Effect. On termination, your licence ceases; we may retain records as required by law and our retention policies.
16. Changes to Terms
16.1 Updates. We may update these Terms from time to time. We will post the updated version to the Platform and may provide notices for material changes. Continued use constitutes acceptance of changes (prospectively).
17. Force Majeure
We are not liable for failure or delay caused by events beyond reasonable control (including network outages, acts of God, industrial action, third‑party failures, or regulatory action).
18. Notices; Electronic Communications
18.1 Method. We may provide notices by email, in‑product messaging, or posting on the Platform. You consent to electronic communications.
18.2 Contact. Support and privacy enquiries: support@edifypay.com
19. Assignment; Subcontracting
19.1 Assignment. You must not assign rights or obligations without our consent. We may assign or novate to a related body corporate or successor.
19.2 Subcontracting. We may subcontract to Service Providers; we remain responsible for our contractual obligations to you (subject to these Terms).
20. General
20.1 Governing law & jurisdiction. These Terms are governed by the laws of New South Wales, Australia. The parties submit to the non‑exclusive jurisdiction of the NSW courts.
20.2 Severability. If any provision is invalid, the remainder remains effective.
20.3 No waiver. A failure to enforce is not a waiver.
20.4 Entire agreement. These Terms (with incorporated policies and order/pricing forms) constitute the entire agreement for the Platform.
Schedule 1 – Acceptable Use & Prohibited Activities (Illustrative, not exhaustive)
Without our prior written consent, you must not process payments relating to:
(a) illegal products/services; (b) child exploitation; (c) sanctions evasion; (d) unlicensed financial services, money‑lending, or remittance; (e) gambling where not lawful; (f) drugs and controlled substances; (g) weapons, explosives; (h) adult content that is unlawful or non‑consensual; (i) counterfeit or IP‑infringing goods; (j) malware, ransomware, or hacking tools; (k) pyramid or Ponzi schemes; (l) unlawful debt collection or “rent‑a‑bank”; (m) activities reasonably deemed high‑risk by us or a Service Provider; (n) activities prohibited by applicable Service Provider rules.
Schedule 2 – Fees, Limits, Settlement & Reserves (Framework)
Fees. As agreed in the Merchant order/pricing form or displayed at point of payment. Third‑party fees (e.g., bank charges, FX, network/gas) may apply.
Limits. We may set per‑transaction, daily, weekly or rolling limits.
Settlement. Settlement timing, currency, and bank details are as agreed with the Service Provider; Settlement is net of fees, chargebacks/reversals, and reserves.
Reserves. We or a Service Provider may apply a rolling or specific reserve and withhold funds to cover risk of chargebacks/reversals, fraud, compliance actions, or operational risk.
Adjustments & Set‑off. We may set‑off any amounts you owe against amounts due to you.
