By accessing or using APS Payment Solutions services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you may not use our services. These terms constitute a legally binding agreement between you (the "Merchant") and APS Payment Solutions ("APS"). Please read them carefully before using our services.

APS provides payment processing services including: • EFTPOS terminal solutions and merchant services • Online payment gateway and integration services • Recurring payment and direct debit services • Point-of-sale (POS) systems and software • Related payment processing technologies We reserve the right to modify, suspend, or discontinue any service with reasonable notice.

As a merchant using APS services, you agree to: • Provide accurate and complete business information • Maintain valid bank account details for settlements • Comply with all applicable laws and regulations • Use services only for legitimate business purposes • Protect your account credentials and security • Report any unauthorized use or security breaches immediately • Maintain adequate records of all transactions • Not engage in fraudulent or illegal activities Failure to comply may result in service suspension or termination.

Merchant agrees to pay all applicable fees as outlined in the merchant agreement: • Transaction processing fees (based on volume and payment type) • Any additional service fees as agreed upon • Chargeback fees and disputed transaction costs • Early termination fees (if applicable) Fees are automatically deducted from your settlements. We reserve the right to adjust fees with 30 days notice. Current fee schedules are provided in your merchant agreement.

APS will process transactions subject to: • Availability of funds from the cardholder • Compliance with card network rules • Verification and fraud prevention checks • Technical system availability Settlement timing is typically 1-2 business days but may vary. We reserve the right to hold funds or delay settlement if we suspect fraudulent activity or policy violations.

Merchants are responsible for all chargebacks and disputes: • Chargeback fees apply as per your merchant agreement • Merchants must respond to disputes within specified timeframes • APS may debit your account for chargeback amounts • Excessive chargebacks may result in account review or termination • Merchants should maintain transaction records for dispute resolution We provide tools and support to help manage and prevent chargebacks.

Merchants must comply with: • Payment Card Industry Data Security Standard (PCI DSS) • Australian Privacy Principles • Anti-Money Laundering and Counter-Terrorism Financing regulations • All applicable payment network rules APS provides PCI-compliant solutions, but merchants remain responsible for their own compliance obligations. We may conduct compliance audits as required.

Merchants may not use APS services for: • Illegal goods or services • Fraudulent or deceptive activities • High-risk or regulated industries without prior approval • Adult content or services • Gambling (without appropriate licenses) • Money laundering or terrorist financing • Violating intellectual property rights • Any activity that violates card network rules Violation may result in immediate termination and legal action.

To the maximum extent permitted by law: • APS is not liable for indirect, incidental, or consequential damages • Our liability is limited to the fees paid by you in the preceding 12 months • We are not responsible for losses due to system downtime, unless caused by our negligence • We are not liable for actions of third-party service providers • Nothing in these terms limits liability for fraud, gross negligence, or death/injury Some jurisdictions do not allow certain liability limitations, so these may not apply to you.

Either party may terminate this agreement: • By providing 30 days written notice • Immediately for material breach of terms • If required by law or card network rules • For excessive chargebacks or suspicious activity Upon termination: • All outstanding fees become immediately due • Access to services will be discontinued • Settlement of pending transactions will be completed • We may retain records as required by law

APS reserves the right to modify these terms: • We will provide 30 days notice of material changes • Notice will be sent via email to your registered address • Continued use after changes constitutes acceptance • You may terminate if you disagree with changes We recommend reviewing these terms periodically for updates.

These terms are governed by the laws of Australia: • Disputes will be resolved in Australian courts • Both parties submit to the jurisdiction of Australian courts • If any provision is found invalid, remaining provisions continue • These terms constitute the entire agreement between parties For dispute resolution, we encourage mediation before litigation.