1. Engagement and Term

1.1. These Terms apply from when you sign up for a Wallet, until the date on which your Wallet is closed in accordance with these Terms. We grant you a right to use our Services for this period of time only (which may be suspended or revoked in accordance with these Terms).

1.2. You must be at least 18 years old to use Hana.

1.3. Variations: We may amend these Terms at any time, by providing written notice to you. By clicking “I accept” or continuing to use your Wallet after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you may close your Wallet with effect from the date of the change in these Terms by providing written notice to us. If you close your Wallet, you will no longer be able to access our Services (including Hana) on and from the date of cancellation.

2. Our Services

2.1. We provide the following services to you:

• (a) access to Hana; and
• (b) access to our troubleshooting support (Support Services),

(collectively, our Services).

2.2. If you require Support Services, you may request these by getting in touch with us via [email protected]

2.3. Our Services do not constitute, and are not a substitute for, financial, legal or risk management advice.

2.4. We will not be responsible for any other services unless expressly set out on in these Terms or on Hana.

3. Third Party Services

3.1. We provide you with access to Hana (including the Wallet), the Support Services, and access to independent third-party service providers which you may engage to purchase or swap cryptocurrency. You acknowledge and agree that these third parties are independent of us, and you are responsible for (meaning we will not be liable for) the goods or services they provide.

3.2. Where you engage third parties to operate alongside our Services (for example, any third-party software systems you wish to integrate with Hana), those third parties are independent of us and you are responsible for (meaning we will not be liable for) the goods or services they provide, unless we expressly agree otherwise under these Terms.

4. Wallet and Security

4.1. You must create a Wallet to use Hana. When you create a Wallet, you will be asked to submit your seed phrase details and you will be assigned a private key.

4.2. You acknowledge and agree that you are solely responsible for the security and retention of your private key and seed phrase (Details) and it is your responsibility to keep your Details secure and confidential. You further acknowledge and agree that we do not receive, store or back-up your Details. Your failure to keep a secure copy of your Details may mean that the assets in your Wallet will not be accessible by you.

4.3. While you have a Wallet with us, you agree to notify us if you become aware of, or have reason to suspect, any unauthorised access to your Wallet or any logins linked to your Wallet.

4.4. We may suspend your access to our Services where we reasonably believe there has been any unauthorised access to or use of our Services (such as the unauthorised sharing of access details for Hana). If we suspend your access to our Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may close your Wallet and your access to our Services will end.

5. Transaction Fees

5.1. There may be transaction fees associated with virtual currency transactions that are facilitated on Hana. You are responsible for paying all transaction fees on Hana. In the event that we pay any transaction fees on your behalf, you agree that you will repay us the transaction fees as a debt due and immediately payable.

6. Licence

6.1. While you have a Wallet, we grant you a right to use Hana (which may be suspended or revoked in accordance with these Terms). This right cannot be passed on or transferred to any other person.

6.2. You must not:

• (a) access or use Hana in any way that is improper or breaches any laws, infringes any person's rights (for example, intellectual property rights and privacy rights), or gives rise to any civil or criminal liability;
• (b) interfere with or interrupt the supply of Hana, or any other person’s access to or use of Hana;
• (c) introduce any viruses or other malicious software code into Hana;
• (d) use any unauthorised or modified version of Hana, including but not limited to for the purpose of building similar or competitive software or for the purpose of obtaining unauthorised access to Hana;
• (e) attempt to access any data or server or system that you are not expressly authorised to access;
• (f) use Hana in any way that involves service bureau use, outsourcing, renting, reselling, sublicensing, concurrent use of a single user login, or time-sharing; or
• (g) circumvent user authentication or security of any of our networks, accounts or hosts or those of any third party.

7. Availability, Disruption and Downtime

7.1. While we strive to always make our Services available to you, we do not make any promises that these will be available 100% of the time. Our Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.

7.2. Our Services (including Hana) may interact with, or be reliant on, products or services provided by third parties. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.

7.3. We will try to provide you with reasonable notice, where possible, of any disruptions to your access to our Services.

8. Intellectual Property and Data

8.1. We own all intellectual property rights in our Services (including Hana). This includes how Hana looks and functions, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission (for example, to reverse engineer or discover the source code of our intellectual property), and you must not alter or remove any confidentiality, copyright or other ownership notice placed on Hana.

8.2. We may use any feedback or suggestions that you give us in any manner which we see fit (for example, to develop new features), and no benefit will be owed to you as a result of any use by us of your feedback or suggestions.

9. Confidential Information and Personal Information

9.1. While using our Services, you may share confidential information with us, and you may become aware of confidential information about us. You agree not to use our confidential information, and to take reasonable steps to protect our confidential information from being disclosed without our permission, and we agree to do the same for your confidential information. This also means making sure that any employees, contractors, professional advisors or agents of ours or yours only have access to confidential information on a ‘need-to-know basis’ (in other words, the disclosure is absolutely necessary), and that they also agree to not misuse or disclose such confidential information.

9.2. However, either you or we may share confidential information with legal or regulatory authorities if required by law to do so.

9.3. We collect, hold and disclose and use any Personal Information you provide to us in accordance with our privacy policy, available on our website, and applicable privacy laws.

9.4. You must only disclose Personal Information to us if you have the right to do so (such as having the individual’s express consent).

9.5. We may need to disclose Personal Information to third parties, such as our related companies or our service providers (for example, IT and administrative service providers and our professional advisors).

9.6. Where we are required by law to report on our activities, you acknowledge that from time to time we may request certain information from you in order to meet our requirements, and you agree to provide us with such information within the timeframes reasonably requested by us.

10. Consumer Law Rights

10.1. In some jurisdictions, you may have guarantees, rights or other remedies provided by law (Consumer Law Rights), and these Terms do not restrict your Consumer Law Rights. We will only be bound by your Consumer Law Rights and the express wording of these Terms. Our liability for a breach of your Consumer Law Rights is, unless the laws of your jurisdiction state otherwise, limited to either resupplying our Services, or paying the cost of having our Services resupplied.

10.2. If you accept these Terms in Australia, nothing in these Terms should be interpreted to exclude, restrict or modify the application of, or any rights or remedies you may have under, any part of the Australian Consumer Law (as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth)).

11. Liability

11.1. We make no guarantee or warranty regarding the success, results or outcomes derived from the use of Hana. You acknowledge and agree that you utilise Hana at your own risk and we will not be held responsible for any success, results or outcomes (or the lack thereof) pertaining to your use of Hana.

11.2. To the maximum extent permitted by law, we will not be liable for, and you release us from liability for, any Liability caused or contributed to by, arising from or in connection with:

• (a) your failure to back-up, or keep secure, your Details;
• (b) your computing environment (for example, your hardware, software, information technology and telecommunications services and systems); or
• (c) any use of our Services by a person or entity other than you.

11.3. Regardless of whatever else is stated in these Terms, to the maximum extent permitted by law:

• (a) neither we or you are liable for any Consequential Loss;
• (b) a party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the actions (or inactions) of the other party, including any failure by the other party to mitigate its loss;
• (c) (where our Services are not ordinarily acquired for personal, domestic or household use or consumption) in respect of any failure by us to comply with relevant Consumer Law Rights, our Liability is limited (at our discretion) to supplying the Services again or paying the cost of having the Services supplied again; and
• (d) our aggregate liability to you for any Liability arising from or in connection with these Terms will be limited to AU$1,000.

12. Notice Regarding Apple

12.1. To the extent that you are using or accessing Hana on an iOS device through a mobile application from the Apple App Store, you further acknowledge and agree to the terms of this clause. You acknowledge that these Terms are between you and us only, not with Apple Inc. (Apple), and Apple is not responsible for Hana and any content available on Hana.

12.2. Apple has no obligation to furnish you with any maintenance and support services with respect to Hana.

12.3. If our mobile application fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the mobile application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the mobile application and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our responsibility.

12.4. Apple is not responsible for addressing any claims by you or any third party relating to our mobile application or your use of our mobile application, including but not limited to: (1) product liability claims; (2) any claim that our mobile application fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.

12.5. Apple is not responsible for the investigation, defence, settlement and discharge of any third-party claim that our mobile application infringes that third party’s intellectual property rights.

12.6. You agree to comply with any applicable third-party terms when using our mobile application.

12.7. Apple and Apple subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.

12.8. You hereby represent and warrant that: (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.

13. Termination

13.1. We may terminate these Terms (meaning you will lose access to our Services, including access to your Wallet) if:

• (a) you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;
• (b) you breach these Terms and that breach cannot be remedied; or
• (c) you experience an insolvency event (including but not limited to bankruptcy, receivership, voluntary administration, liquidation, or entering into creditors’ schemes of arrangement).

13.2. You may terminate these Terms if:

• (a) we breach these Terms and do not remedy that breach within 14 days of you notifying us of that breach; or
• (b) we breach these Terms and that breach cannot be remedied.

13.3. You may also terminate these Terms at any time by notifying us through our email for notices (as set out in clause 14.8), and termination will take effect immediately.

13.4. Upon termination of these Terms, we will retain Your Data (including copies) as required by law or regulatory requirements.

13.5. Termination of these Terms will not affect any other rights or liabilities that we or you may have.

14. General

14.1. Assignment: You may not transfer or assign these Terms (including any benefits or obligations you have under these Terms) to any third party without our prior written consent. We may assign or transfer these Terms to a third party, or transfer any debt owed by you to us to a debt collector or other third party.

14.2. Disputes: Neither we or you may commence court proceedings relating to any dispute, controversy or claim arising from, or in connection with, these Terms (including any question regarding its existence, validity or termination) (Dispute) unless we and you first meet (in good faith) to resolve the Dispute. Nothing in this clause will operate to prevent us or you from seeking urgent injunctive or equitable relief from a court of appropriate jurisdiction.

If the Dispute is not resolved at that initial meeting:

• (a) where you are resident or incorporated in Australia, refer the matter to mediation, administered by the Australian Disputes Centre in accordance with Australian Disputes Centre Guidelines for Commercial Mediation; or
• (b) where you are not resident or incorporated in Australia, refer the matter to arbitration administered by the Australian Centre for International Commercial Arbitration, with such arbitration to be conducted in Sydney, New South Wales, before one arbitrator, in English and in accordance with the ACICA Arbitration Rules.

14.3. Events Outside Our Control: We will not be liable for any delay or failure to perform our obligations (including our Services), if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.

14.4. Governing law: These Terms are governed by the laws of New South Wales, and any matter relating to these Terms is to be determined exclusively by the courts in New South Wales and any courts entitled to hear appeals from those courts.

14.5. Illegal Requests: We reserve the right to refuse any request for or in relation to our Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.

14.6. Marketing: You agree that we may send you electronic communications about our products and services. You may opt-out at any time by using the unsubscribe function in our electronic communications.

14.7. Nature of Legal Relationship: These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.

14.8. Notices: Any notice you send to us must be sent to the email set out at the beginning of these Terms. Any notice we send to you will be sent to the email address registered against your Wallet.

14.9. Survival: Clauses 8 to 13 will survive the termination or expiry of these Terms.

14.10. Third Party Sites: Hana may contain links to websites operated by third parties. Unless we tell you otherwise, we do not control, endorse or approve, and are not responsible for, the content on those websites. We recommend that you make your own investigations in relation to the suitability of those websites. If you purchase goods or services from a third party website linked from Hana, those goods or services are being provided by that third party, not us. We may receive a benefit (which may include a referral fee or a commission) should you visit certain third party websites through a link on Hana, or for featuring certain goods or services on Hana. We will make it clear by notice to you which (if any) goods or services, or website links, we receive a benefit from by featuring them on Hana.

15. Definitions

15.1 In these Terms:

Consequential Loss includes any consequential loss, special or indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise. However, your obligation to pay us any amounts for access to or use of our Services (including Hana) will not constitute “Consequential Loss”.

Hana means our application that we provide you with access to as part of the Services.

Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or us or you or otherwise.

Personal Information means any information or opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a tangible form or not.

Services means the services we provide to you, as detailed in clause 2.1.

Wallet means a wallet accessible to the individual or entity who signed up to our Services.

Your Data means the information, materials, logos, documents, qualifications and other intellectual property or data supplied by you when receiving our Services or stored by or generated by your use of our Services, including any Personal Information collected, used, disclosed, stored or otherwise handled in connection with our Services. Your Data does not include any data or information that is generated as a result of your usage of our Services that is a back-end or internal output or an output otherwise generally not available to users of our Services.