Terms of use

About these terms

These terms apply to your access to and use of qmoney.app. The website is operated by Q Tech Pty Ltd (ABN 54 680 910 767). Q Money is a brand of Q Tech Pty Ltd. In these terms, we, us and our mean Q Tech Pty Ltd.

Your use of the website is subject to these terms. If you do not agree with them, please do not use the website.

What this website provides

This website provides information about Q Tech Pty Ltd and the Q Money brand, together with general content, informational currency conversion tools and indicative foreign exchange reference data.

The website does not contain a customer account, payment facility or facility for submitting a currency exchange or money transfer instruction. Nothing displayed on the website is an offer, executable quote or promise to exchange currency or transfer money.

Links on the website may ask your browser to open your own email application. Sending us an email is a request for contact only. It does not, by itself, submit a transaction instruction, accept an exchange rate or require either party to enter into a transaction.

Reference rates

Exchange rates displayed on the website are indicative reference rates provided for information and comparison only. They are not executable transaction rates, offers or quotes, and they do not represent a transaction price or total transaction cost.

Reference data may be obtained from third-party sources or calculated as a cross-rate using third-party reference data. Publication times, source updates, network delays and calculation methods may affect the figures displayed. Please read our rate disclaimer for information about data sources, update timing, derived rates and the limitations of the figures shown.

General information only

Website content is general information only. It does not take account of your circumstances and is not personal financial, investment, tax or legal advice. You should not use an indicative reference rate or other website content as the sole basis for a financial, commercial or legal decision.

Acceptable use

You may access the website and use its informational tools for lawful purposes. You must not:

• Interfere with the operation or security of the website.
• Introduce malicious code or attempt to gain unauthorised access.
• Use automated means in a way that places an unreasonable load on the website.
• Reproduce a substantial part of the website except as permitted by law or with our permission.
• Use our content, company details or branding in a misleading way or in a way that suggests an affiliation or endorsement that does not exist.
• Use the website for an unlawful, fraudulent or deceptive purpose.

Nothing in these terms restricts lawful use of underlying public or third-party data that you obtain independently from its original source.

Intellectual property

Copyright and other intellectual property rights in the original text, layout, design, code and branding of this website are owned by or licensed to Q Tech Pty Ltd.

You may view the website and print or save reasonable extracts for your own informational use. No right to use the Q Money name, logo or other branding is granted except with our written permission or as permitted by law.

Foreign exchange reference data displayed on the website may originate from third parties. We do not claim ownership of third-party data. Applicable source attribution is identified on the website or in our rate disclaimer.

Third-party information and links

The website may use information supplied by third-party data sources and may link to external websites, including government registers, regulators and data providers. We do not control external websites or the availability of third-party data.

A link or source reference does not mean that we are affiliated with, sponsored by or endorsed by that third party unless we expressly say so. External websites have their own terms and privacy practices.

Accuracy and availability

We take reasonable care in operating the website and presenting its content. However, reference data and other content may occasionally be delayed, unavailable, incomplete or incorrect. We do not promise that the website will always be available or free from errors. Where available, source details and timestamps should be considered when interpreting a reference rate.

If you believe something on the website is incorrect, email contact@qmoney.app.

Liability and mandatory rights

Nothing in these terms excludes, restricts or modifies any right, guarantee or remedy that cannot lawfully be excluded, including rights that may apply under the Australian Consumer Law.

To the extent permitted by law, we are not responsible for loss to the extent that it results from:

• Treating a clearly labelled indicative reference rate as an executable rate.
• An outage, delay or inaccuracy in a third-party data source that is beyond our reasonable control.
• Your use of the website in breach of these terms.

We do not seek to exclude liability for fraud, wilful misconduct or any other liability that cannot lawfully be excluded.

Privacy

Our website privacy policy explains how we handle personal information when you visit the website or contact us.

Changes to the website and these terms

We may update the website or these terms to reflect changes to the website, its content or applicable law. Updated terms apply from the time they are published on this page. They do not retrospectively change the legal effect of your earlier use of the website. The last-updated month appears at the top of the page.

Governing law

These terms are governed by the laws of Victoria, Australia. The courts of Victoria and the courts that hear appeals from them have non-exclusive jurisdiction. Nothing in this section deprives you of any mandatory rights available under laws that apply to you.

Contact and complaints

For questions about these terms or the website, email contact@qmoney.app. If you wish to make a complaint about the website, its content or the way we have handled personal information in connection with it, please see our website feedback and complaints page.