Terms of use
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE OR ANY SERVICES OFFERED THROUGH THE WEBSITE.
Acceptance of the Terms of Use
These Terms of Use constitute a legally binding agreement between you ("User", "you") and Banqeta Pty Ltd, Suite 5, 30 Main Drive, Birtinya, Queensland, Australia (ABN: 30653645633) ("Banqeta", "we", "our", or "us").
By accessing or using our website (www.banqeta.com), associated mobile applications, or any services, products, features, content, analytics, or tools offered via Banqeta (collectively, the "Platform"), you agree to comply with and be bound by these Terms of Use, as well as our Privacy Policy, which is incorporated by reference.
If you do not agree with these Terms of Use or the Privacy Policy, you must not access or use the Platform.
Eligibility to Use the Platform
You may only use the Platform if you:
Are at least 18 years of age or the legal age of majority in your jurisdiction;
Are not a resident of Australia;
Meet applicable eligibility requirements for financial services in your country;
Are not located in a restricted jurisdiction (see Section 21);
Are not subject to any sanctions or legal prohibitions;
Are using the Platform only for lawful purposes.
Platform Content and Updates
We may update, modify, or discontinue any aspect of the Platform at any time without notice. The Platform is provided "as is" and "as available". While we aim to keep all content accurate and current, we make no guarantees regarding its reliability, accuracy, or completeness.
No Reliance on Information
All information on the Platform is provided for general informational purposes only. It does not constitute financial, legal, or other professional advice. Any reliance you place on such information is at your own risk.
We are not liable for any reliance on content provided by third parties or other users of the Platform.
Modifications to These Terms
We may update these Terms of Use at any time. All changes take effect upon posting. Your continued use of the Platform indicates your acceptance of the updated terms. Please check this page regularly.
Account Access and Security
You are responsible for safeguarding login credentials and all activities under your account. You must promptly notify us of any unauthorised use or suspected breach. Banqeta is not liable for any loss resulting from unauthorised access.
Only one account per user is permitted. Multiple accounts may result in termination of access.
Services and Subscription Model
Our services are provided via a monthly subscription model. Subscription fees, payment methods, and cancellation terms are outlined at www.banqeta.com/fees.
If funds are insufficient to pay fees, we may deduct amounts from any linked accounts or suspend access. We reserve the right to terminate accounts for extended non-payment, inactivity, fraud, or violations of AML/CFT regulations.
Intellectual Property
All content on the Platform—including but not limited to software, designs, text, graphics, video, logos, trademarks, and service names—is owned by Banqeta or licensed to us. You may not use, reproduce, or distribute content without our written consent.
Use Restrictions
You agree not to:
Use the Platform in violation of any laws or regulations;
Use the Platform to promote illegal, harmful, or misleading content;
Copy, modify, or create derivative works of the Platform or its content;
Introduce viruses, bots, or malicious code;
Scrape, mine, or use automated tools to access the Platform;
Interfere with the proper functioning of the Platform.
Third-Party Content and Links
We may provide links or access to third-party services or content. We are not responsible for their accuracy, legality, or content. Use of third-party services is at your own risk and subject to their respective terms.
Data and Privacy
Your use of the Platform is subject to our Privacy Policy, which outlines how we collect, use, and protect your data.
Limitation of Liability
To the fullest extent permitted by law, Banqeta is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Platform, including but not limited to:
Loss of data or revenue;
Cyberattacks or unauthorised access;
Errors, inaccuracies, or omissions in content;
Service disruptions or outages.
Indemnification
You agree to indemnify, defend, and hold harmless Banqeta, its directors, employees, partners, and service providers from any claims, liabilities, or expenses arising from your use of the Platform or breach of these Terms.
Complaints and Dispute Resolution
For any concerns, please contact us at hello@banqeta.com. We encourage resolving issues directly with our team before initiating legal action.
Governing Law and Jurisdiction
These Terms are governed by the laws of Saint Vincent and the Grenadines. Any legal actions must be brought in the courts of Saint Vincent and the Grenadines, unless otherwise required by applicable law.
Geographic Restrictions
We cannot onboard users or entities from, or send/receive funds to or from, the following jurisdictions:
Abkhazia
Afghanistan
Albania
Angola
Australia
Belarus
Bosnia and Herzegovina
Burma (Myanmar)
Burundi
Central African Republic
Colombia
Cuba
Democratic People’s Republic of Korea (North Korea)
Democratic Republic of the Congo
Ethiopia
Eritrea
Guinea
Guinea-Bissau
Haiti
Iran
Iraq
Ivory Coast (Côte d'Ivoire)
Kosovo
Lebanon
Liberia
Libya
Macedonia
Mali
Nagorno-Karabakh
Nicaragua
Northern Cyprus
Pakistan
Russia
Sahrawi Arab Democratic Republic
Serbia
Sierra Leone
Somalia
Somaliland
South Ossetia
South Sudan
Sudan
Syria
Ukraine (Occupied Territories)
Venezuela
Yemen
Zimbabwe
Termination
We may suspend or terminate your access to the Platform at any time, with or without notice, for violations of these Terms or applicable laws.
Entire Agreement
These Terms of Use, along with our Privacy Policy, constitute the entire agreement between you and Banqeta regarding your use of the Platform.
Contact Us
For any questions or support, please contact: hello@banqeta.com