Welcome! Thank you for visiting Sailrich Pty Ltd in partnership with various online payment institutions (“Payment Institutions”). You hereby agree to this Terms and Conditions (the “Terms and Conditions”) by and between you and Sailrich Pty Ltd, and agree to be legally bound by its terms and conditions, so please read them carefully. Please also note that there may be specific terms or conditions applicable to you as the user in a given jurisdiction, as may be detailed herein. If any term or condition of this Terms and Conditions is unacceptable to you, please do not visit, access, or use our services. Use of the words “we,” “us,” “the Company”, “the Platform” or “our” in this Terms and Conditions refers to Sailrich Pty Ltd and any or all of its affiliates.

Using our services You hereby represent and affirm that you have the required legal capacity to enter into this Terms and Conditions by and between you and Sailrich Pty Ltd, and agree to be legally bound by the terms and conditions of this Terms and Conditions in their entirety. You agree and understand that by logging into your account or authenticating to our application programming interface (“API”) with your API key (“API Authenticating” or “API Authentication”) following any change to this Terms and Conditions, your login or API Authentication, as applicable, shall constitute your agreement to the amended Terms and Conditions by and between you and Sailrich Pty Ltd, and you agree to be legally bound by its terms and conditions as amended. Amongst others, this means that, if you log into your account or API Authenticate following an amendment to this Terms and Conditions, transactions that you or others have already undertaken, and benefits, such as trading fee discounts and rebates that you or others have earned, could be affected by the amended terms and conditions of this Terms and Conditions. You agree to, therefore, read this Terms and Conditions regularly. You agree and understand that we have the right to require your affirmative assent and continued acceptance of this Terms and Conditions, from time to time, as a condition of you accessing or using any of the Services (as defined below), logging into your account, or API Authenticating, as applicable. If you do not agree to be bound by this Terms and Conditions, you should not access or use any of the Services, login to your account, or API Authenticate. Should you disagree with this Terms and Conditions (including any changes or amendments thereto), please suspend immediately any usage relating to the Services and close your account in accordance with the Account Closure section.

In order to use our services, you must first successfully provide the required identification information pursuant to our Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) compliance program (collectively, our “AML/CTF Program”).

Please note that the section on dispute resolution contains an arbitration clause and class action waiver. By agreeing to this Terms and Conditions, you agree to resolve any dispute through binding individual arbitration, which means that you waive any right to have the dispute decided by a judge or jury, and you waive any right to participate in collective action, whether that be a class action, class arbitration, or representative action, to the maximum extent permitted by Australian law.

Please print and keep a copy of this Terms and Conditions, but do take note we reserve the right to change these terms and conditions at any time with or without notice to you. A copy of the latest version of this Terms and Conditions will be available on this page.

Disclaimer Notwithstanding and without limiting the terms hereunder, you agree, undertake, understand, and otherwise represent that Sailrich Pty Ltd will not be liable for losses or damages arising out of or in relating to: (a) any inaccuracy, defect or omission of digital assets price data, (b) any error or delay in the transmission of such data, (c) interruption in any such data, (d) regular or unscheduled maintenance carried out by us and service interruption and change resulting from such maintenance, (e) any damages incurred by other user’s actions, omissions or violation of these terms, (f) any damages caused by illegal actions of other third parties or any actions without authorisation by us.

Applicable laws and regulations Your conduct on Sailrich Pty Ltd is subject to the laws, regulations, and rules of any applicable governmental or regulatory authority (the “Applicable Laws and Regulations”) including, but not limited to: • Corporations Act 2001 (Cth) • Australian Consumer Law • Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) • ASIC regulations and guidance • AUSTRAC regulations and guidance • Privacy Act 1988 (Cth)

You unequivocally agree and understand that by signing up for this fiat service, you hereby agree and undertake to act in compliance with and be legally bound by this Terms and Conditions as well as the applicable laws and regulations. For the avoidance of doubt, the receipt of all trading fee discounts and rebates and continued use of your account is conditioned on continued adherence at all times to this Terms and Conditions and all applicable laws and regulations. Your transactions, cooperation or any dispute with Sailrich Pty Ltd will be governed by Australian law.

Digital assets As used herein, “digital asset” means a digital asset (also called a “cryptocurrency,” “virtual currency,” “digital currency,” or “virtual commodity”), such as bitcoin or ether, which is a digital representation of value based on (or built on top of) a cryptographic protocol of a computer network.

Wallet The user would be given private keys that identify it as belonging to the user. Public keys are similar to account usernames as it would be used to identify the wallet so that the user can receive tokens without revealing their identity. Private keys are similar to personal identification numbers and this would allow the user to access the wallet and check balances, initiate transactions, and more. If the user loses either of these keys, the wallet is effectively useless.

The user’s wallet’s crypto assets would be securely kept with us in “hot” wallet, “cold” wallets and “warm” wallets. Transfer between hot and cold wallets are managed at the sole discretion of us. Users who hold large amounts of cryptocurrency typically should not keep significant amounts of crypto in hot wallets.

The user is to inform us at once if there is suspicious activity in any wallet. We would not be responsible for any loss beyond its control.

Although we will attempt to deliver digital currency to you as promptly as possible, funds may be debited from your selected payment method before the status of your digital currency transaction is shown as complete, and the digital currency is delivered to your digital currency wallet.

Your transaction By clicking the button below or otherwise using services provided by payment institutions, you hereby agree not to hold Sailrich Pty Ltd responsible from any loss and/or damage resulting from any transaction, and hereby agree not to seek any remedy against Sailrich Pty Ltd with respect to the transaction. Cryptographic transactions are by nature irreversible and Sailrich Pty Ltd has no control over any transaction and is not advised of the terms thereof; Sailrich Pty Ltd cannot make any warranties regarding the transaction, including, but not limited to, any warranties regarding the fairness of the pricing of the transaction. By using, accessing, or otherwise visiting our services you hereby acknowledge, agree, and represent that you have not relied upon any other statement or agreement, whether written or oral, with respect to your use and access of the services.

You may purchase digital asset using your bank card through a third party service offered by payment institutions, subject to their terms of use.

Account ownership and use By creating an account and using the services, you represent and warrant that: (a) You are opening and operating the account on your own behalf and not on behalf of any third party; (b) You are the sole beneficial owner and controller of the account; (c) No third party is authorised to access or use your account, unless explicitly permitted by the company; (d) All information provided during onboarding is true, accurate and complete.

The company reserves the right to suspend or terminate any account where it reasonably suspects that the account is being operated by or for the benefit of a third party.

Prohibited activity Sailrich Pty Ltd does not permit the use of the platform for any prohibited activity in your account, including but not limited to: use on any dark market, ransomware, mixing service, or illegal activity that would violate any applicable laws and regulations, or which would involve proceeds of any unlawful activity (collectively, “prohibited activity”). You agree and understand that we have the right to immediately suspend your account, freeze/lock the funds and assets in all such accounts, and suspend your access if we suspect any violation of our prohibited activity policy.

Money passes Neither you nor any related party shall prearrange the execution of transactions on Sailrich Pty Ltd for the purpose of passing money between accounts. All transactions executed on Sailrich Pty Ltd must be made in good faith for bona fide transactions, and prearranged trades intended to effectuate a transfer of funds are strictly prohibited.

Privacy of information You acknowledge and agree to the collection, use, and disclosure of your personal information in accordance with Sailrich Pty Ltd’s Privacy Policy, incorporated herein by reference, and in compliance with the Privacy Act 1988 (Cth).

Anti-money laundering & KYC You shall provide identity and corporate verification as required under the AML/CTF Act 2006 (Cth). For individuals: name, date of birth, address, ID documents, photo, and contact information. For companies: registration certificates, articles of association, ownership structure, board resolutions, and ID documents of directors and major shareholders. Ultimate beneficiary verification is required, especially for high-risk customers.

Account security Use 2-factor authentication, keep passwords secure, and notify us immediately of unauthorized access. You are responsible for all activity from your account.

Prohibited countries We reserve the right to refuse services to residents from countries sanctioned by Australia or deemed high-risk under AML/CTF regulations.

Preventing victim assisted fraud ID Confirmation Photo (IDCP) process may be required for vulnerable users. Always verify account details before making payments.

Miscellaneous Sailrich Pty Ltd may monitor communications and service usage for security and internal purposes. Terms are governed by Australian law; unenforceable provisions shall be limited only as necessary by a court. No waiver of rights through delay or partial exercise.