1.1             The Uni.Global App is owned and operated by UNI TECHNOLOGY HOLDINGS PTE LTD. 

1.2             The Services made available to you and which are accessible via the App include the following which are provided by our Affiliates (and not by us):

(a)             OTC fiat/crypto trading services, facilitating OTC trading between fiat currencies and cryptocurrencies;

(b)             provision of visa prepaid /stored value cards;

(c)             digital and fiat currency conversion;

(d)             cryptocurrency lending services.

1.3             The services we provide include are the App Services which comprise access to the App and may from time to time include incentive programs or other services which we will bring to your attention via the App.

1.4             Where you obtain any of the Services from our Affiliates, it is important that you read in full the terms linked above in addition to these Terms.

1.5             In this document, Content refers to all visual or readable content made available to you via the App.  We offer you the App Services and access to any Content subject to your agreement to these Terms.

1.6             When you click "I Agree" or "Ok" when signing up to or logging into the App, you are, as the Client, agreeing to these terms (Terms), which will constitute a legally binding agreement between you and us which will continue to apply while you continue to use or access the App Services.

1.7             If you do not wish to agree to and abide by these Terms, you must not click "I Agree" or "Ok" as the case may be nor use the App Services in any way.

1.8             Access to the App Services will be provided after you have signed up, been authenticated and signified your agreement to these Terms.  You will be asked to agree again to these Terms if they have changed since your last login.

1.9             You agree that you will be bound by these Terms each time you log in to the App Services and will be bound by these Terms unless you or we terminate this agreement in accordance with its terms.

2.1             In return for your compliance with these Terms, we will make the App available to you including the ability to enter into agreements with the Affiliates for provision of the Services to the extent of their availability from time to time.

2.2             Unless you are directly advised otherwise via the App at the time you are accessing the App Services:

(a)             all App Services are provided directly by us; and

(b)             all Services are provided directly by our Affiliates.

3.1             There are no fees currently associated with the App Services.

3.2             If any fees are introduced for new App Services, you will be notified of their availability via the App and these Terms will be amended to include any provisions for payment of relevant fees.  Any amendment of these Terms will not apply until the next time you log in and agree to these Terms in the form in which they are available at that time.

3.3             There may be fees associated with the Services which may be payable to our Affiliates.  Any such fees will be agreed under the terms you agree separately with our Affiliates and do not form part of these Terms.

3.4             If there are any fees associated with the App Services, we will send you an invoice for those and you must pay our invoices in accordance with any timeframes set out in the invoices.

4.1             Unless otherwise specified in specific Content or unless we specify otherwise, all Content is offered in the English language only.

4.2             Your access to the Services will be subject to any provisions (including termination provisions) in the terms you separately agree with our Affiliates and has no bearing on these Terms nor your ability to access the App Services.

4.3             We may terminate your access to the App Services or any or all Content at any time without notice and for any reason, subject to any other terms you agree to with us.  All restrictions, licences granted by you and all disclaimers and limitations of our liability in these Terms will survive termination, although you will no longer be authorised to access the App Services or all or part of the Content.

4.4             You will not, nor attempt to:

(a)             provide, publish, post or create a link to any Content, page or part of the App, our website(s), products or services without our express written permission;

(b)             link directly to any page of the Content, App or of our website(s) other than via normal navigation of them we have made available to you or via normal usage of the Services or App Services;

(c)             transmit to or via the Services or App Services any unlawful, threatening, libellous, defamatory, obscene, dangerous, inflammatory, pornographic or profane material, any material that could constitute or encourage conduct that will be considered a criminal offence, give rise to civil liability or would otherwise violate any laws, nor any materials, malware, spyware, computer viruses or other materials which may adversely affect the security or content of the Services, the App Services or that of anyone else connected to them or using them;

(d)             violate the security or any security measures of the App Services nor that of any of our systems and networks;

(e)             access any data on or via the App Services which is not intended for you;

(f)              probe, scan or test the vulnerability of the Services or any of our systems or networks;

(g)             interfere with service to any other user of the App Services; nor

(h)             use any device, software or routine to interfere or attempt to interfere with the proper working of, any activity being conducted on or via, the App Services.

4.5             If you are allocated any login details or other user codes or passwords for your identification or access to the App Services, you must keep them private and confidential and must not allow anyone else to log into the App Services using those details or codes unless we specifically permit otherwise.

4.6             You acknowledge and agree that:

(a)             the Content and resources accessible via the App Services neither constitute not include any professional or financial advice and must not be relied upon as such in any way;

(b)             the App Services might not at any given time be actively monitored whether during or outside business hours, and all Content is presented "as is" and has not in any way been tailored to suit your own personal circumstances; and

(c)             we have absolute discretion to edit, decline to post or remove in whole or in part any information or material you provide or post to or via our App Services.

4.7             The Content may contain general information about us and our products and services, or those of other parties with whom we deal or do business. Unless expressly stated otherwise, this information:

(a)             does not constitute an offer or inducement to enter into any legally binding contract;

(b)             other than these Terms and other than any additional terms we make available in respect of a product or service available to you via the App Services, does not form part of the terms and conditions for any of our products or services nor those of any other parties referred to in content made available to you via the App Services; and

(c)             does not mean that we are in any way affiliated with any other parties or businesses referred to (if any).

4.8             While we have made every effort to ensure that the Content is free from error, we do not warrant the accuracy, adequacy or completeness of all or any part of the Content.

4.9             As a convenience, the Content may from time to time include links or references to other websites and/or materials, which are beyond our control (Other Sites).  We do not review or monitor any websites to which links may be included within the Content or which are linked to any Other Sites and we are not responsible for content on any websites or other content outside our Content.

4.10          If you access any Other Sites, you do so at your sole risk and subject to the terms and conditions of those sites.

4.11          The inclusion on or in our Content of any links or references to Other Sites does not imply any endorsement by us of any of the Other Sites nor the content contained on those sites.  We do not warrant the safety or accuracy of the content on any Other Sites and will not be liable for any adverse consequences to you whatsoever arising out of your access to or use of any Other Sites.

5.1             All records about you that include personal information or sensitive information within the meaning of the Privacy Act 1988 (Cth) whether created or input into the App Services by you or by us, our staff or any third parties in the course of your access to the App Services or the provision of the App Services to you (Records) will be collected, managed, used and/or disclosed in accordance with our Privacy Policy which may be found at (Privacy Policy).

5.2             All copyrights and any other intellectual property rights in or arising out of any and all entries and copies of Records entered into or recorded upon our systems via the App Services (or as the direct result of your use of the App Services) shall vest solely in us upon their creation and you now assign to us all of your right title and interest in all such entries and copies.

5.3             For the avoidance of doubt, we do not and will not purport to own any information or data contained in the Records, but instead will own the copies of such data/information as are contained in the Records.

5.4             You may request access to Records about you in accordance with our Privacy Policy.

5.5             We will comply with the Privacy Act 1988 (Cth) in respect of Records and will adhere to the terms of the Privacy Policy.

You warrant that, at all times you access any part of the App Services, you:

(a)             are aged 18 years or more;

(b)             will at all times:

(i)               provide only accurate and current information via the Services;

(ii)              keep that information up to date;

(c)             will, if you are required to register to use the App Services, provide us with sufficient personal information to allow us to identify you, and you warrant further that you will keep this data up to date so that our records of that information remain current, complete and accurate;

(d)             will seek and rely upon advice from your lawyers, accountants and tax or financial advisors in respect of any legal, accounting, tax or financial advice you require instead of relying upon any information contained within the Content.

7.1             We store any data used online, on an Australian Signals Directorate (ASD) certified cloud service provider (Amazon Web Services) and use Secure Sockets Layer (SSL) protocols to provide users secure and private access to the Services

7.2             You agree to all Records being stored in this location and accessed in this way and otherwise dealt with in accordance with these Terms and the Privacy Policy.

7.3             We may use any information stored for secondary purposes including internal review, training and improvement of all or any part of the App Services.

7.4             Further information on the types of data stored can be found in the Privacy Policy.

8.1             The App Services, the Content and all technology used to deliver the Services are our sole property or that of our suppliers and are protected by laws relating to intellectual property, including copyright laws, and international treaty provisions.

8.2             The compilation, organization and display of the Content as well as all software and inventions used on and in connection with the App Services are and remain our exclusive property or that of our suppliers.

8.3             We reserve all rights in the App Services and the Content not specifically granted in any agreements with us or in these Terms.

8.4             Unless otherwise specified, all intellectual property rights in or arising out of the Content or provision of the App Services will vest upon their creation solely in us.

8.5             You will not attempt to copy, alter or reproduce in any form, whether in hard copy or electronically through any medium whatsoever, any part of the Content or the App Services without express written permission from us or unless expressly authorised by these Terms to do so.

8.6             Where (and only where) you are specifically invited on or by the App Services to do so, you may download and/or copy Content for your own personal non-commercial use, but you must not distribute, modify, transmit, reuse, repost, or make use of any such materials in any way whatsoever for any other purpose without our express written permission.

8.7             All copyrights, trademark rights and other rights in or arising out of any part of our App Services and/or the Content are either owned by or under licence to us.  We reserve all of those rights.

9.1             The App Services will be provided by us using reasonable care.  We also reiterate that the Services are provided by our Affiliates and not by us, so we have no control over and are not responsible for provision of, nor any consequence to you arising out of using, any of the Services.

9.2             Other than as specifically set out in these Terms, all warranties, including any implied warranties for fitness for use or merchantability or any other duties required under common law are excluded to the extent permitted by law.

9.3             We will not be liable for any special, indirect or consequential damages or damages resulting in, any loss of profit, loss of goodwill, loss of business opportunity, loss of revenue or any other damage, costs, expenses or other claims even if such claims or damages arose as a result of our negligence or under any other tortious action while providing the App Services and Content to you or as a result of your use of or reliance upon any of the Services, App Services or Content.

9.4             We do not warrant and are not liable for any actions, omissions or information provided by any other person using the Services or App Services.

9.5             We do not guarantee that any of the Content or any products or services made available to you via the Services or App Services will yield any particular result for you nor meet any needs you may have nor that any of them are suited to your particular circumstances.

9.6             We do not warrant that any of the Content or any products or services made available to you via the Services or App Services will be suitable for any particular purpose.  We cannot and do not make any warranties about any communications or information that might be made between or given to you by any person(s) with whom you use the Services or App Services to communicate as we are in no way in control of the content of any such communications.

9.7             Access to the App Services and Content and all parts of it is provided on a strictly "as is" basis.

9.8             In consideration for being given access to the App Services and Content, you release and forever discharge us, our employees, servants and agents and each of them from all and any liability to you of any nature whatsoever in respect of any losses, damages (whether direct, indirect, consequential or otherwise), liabilities, claims or expenses whatsoever arising directly or indirectly from use by you or any other person of any part of the Services, App Services or reliance by you or any person upon any Content.

9.9             In further consideration for being given access to the App Services and Content, you further release and forever discharge us, our employees, servants and agents and each of them from any claim or demand of any nature whatsoever associated with or arising out of any part of the Services, App Services or Content that you have, had or but for this clause would have had against any of the parties so released.

9.10          Subject to our compliance with these Terms, you will be liable for and indemnify us, our employees, servants and agents and each of them jointly and severally against any loss, damage, expense or cost of any nature, or any claim or liability of any nature brought against or incurred by any of them  (including, without limitation, full solicitor and client legal costs on an indemnity basis), that any of them incurs or may incur (whether directly, indirectly or consequentially or otherwise) arising out of your use of the App Services or from any breach by you of these Terms.

9.11          Provisions of the Australian Consumer Law and other statutes from time to time in force in Australia may imply warranties or conditions or impose obligations upon us which cannot be excluded or modified.  These Terms must be read and interpreted subject to such statutory provisions or any other similar provisions.

9.12          Our liability and that of our employees, servants or agents for any breach of any condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:

(a)             the supply of the relevant goods or services again; or

(b)             payment of the cost of having the goods or services supplied again or repaired.

10.1          The headings set out in these Terms are for convenience only and shall not in any way affect the interpretation of these Terms. 

10.2          These Terms may only be amended by a further written agreement entered into between the parties.

10.3          In these Terms, the words "include", "includes" and "including" are not words of limitation.

10.4          If any provision of these Terms is determined to be void, illegal or unenforceable by any law or regulation of any government or by any court, such provision will be severed from these Terms and the remaining parts, terms and provisions will remain enforceable. 

10.5          These Terms and your relationship with us pursuant to these Terms are governed by the laws of Queensland, Australia.

10.6          You unconditionally and irrevocably agree to submit to the exclusive jurisdiction of the courts of Victoria for the purpose of resolving any disputes pursuant to these Terms.

10.7          These Terms constitute the entire agreement of the parties in respect of access to the App Services and Content and supersede all prior understandings, negotiations, agreements, written or oral, express or implied.

10.8          No waiver or breach of any of these Terms shall constitute a precedent or a waiver of any succeeding or other breach of the same.

10.9          When from time to time you log into or seek to access relevant parts of the App Services, you may be asked to agree to our then current terms and conditions.  We do not warrant that on any such occasion those terms and conditions will be the same as set out in this document.