5. Cryptocurrency Trading Terms

Date: 31 May 2024

5.1 Introduction

These Cryptocurrency Trading Terms ("Trading Terms") govern the Cryptocurrency Trading Service provided to you by Wallet Ventures Pty Ltd (trading as Finder Wallet) ("Finder Wallet") through the Finder App.

The Trading Terms form part of, and are incorporated by reference into, the Terms of Service.

Unless otherwise expressly defined in the Trading Terms, capitalised words and phrases used in the Trading Terms have the meaning given in the Terms of Service.

5.2 Our Relationship

In the Trading Terms, holders of a Wallet Trading Account are sometimes referred to as "you" or "your".

Finder Wallet is referred to as "we", "us" or "our" in the Trading Terms. Together, you and we may be collectively referred to as "Parties".

5.3 Acceptance of Terms

By applying for a Wallet Trading Account, or accessing and using the Wallet Platform or the Cryptocurrency Trading Service, you acknowledge that you have read, understood, and agree to be bound by the Trading Terms, as modified from time to time. We reserve the right to update the Trading Terms at any time and may notify you of such changes via the Online Platform or by email to the email address specified in your for a Wallet Trading Account application, but we have no obligation to notify you of every update. We will act reasonably when exercising these rights and only do so for legitimate business purposes.

By continuing to access or use your Wallet Trading Account, the Wallet Platform or the Cryptocurrency Trading Service following an amendment to the Trading Terms, you acknowledge that you understand, and agree to, the amended Trading Terms. If you do not agree to the amended Trading Terms, you must not continue to use your Wallet Trading Account, the Wallet Platform and the Cryptocurrency Trading Service.

The Finder Group Privacy Policy and Finder Wallet Risk Warning and other risk warnings displayed in your Wallet Trading Account or the Wallet Platform are incorporated by reference in their entirety to the Trading Terms.

5.4 Cryptocurrency Trading Service

Any trading activity and use of the Cryptocurrency Trading Service is self-directed. That means that you are responsible for all purchase and sell orders, trading strategies, decisions to hold or sell Supported Cryptocurrency and selection of the type of Supported Cryptocurrency to hold or sell. You agree that any decision you make does not rely on any advice from Finder Wallet, Finder or any of the Finder Affiliates and is at your own risk. You must determine the suitability of any trade and risk associated with your trading activity and use of the Cryptocurrency Trading Service.

You agree that we may accept or refuse any order, or delay placing any order, if we determine that it is necessary or appropriate to do so. Additionally, you may suffer market losses during periods of volatility in the price and volume of Supported Cryptocurrency, particularly when system issues result in the inability to buy or sell Supported Cryptocurrency. You agree that you will not hold Finder Wallet, Finder or any of the Finder Affiliates responsible for any losses caused by such refusal or delay or such inability to transact.

5.5 Instructions

You can give us instructions by interacting with the buttons, check boxes, and icons in your Wallet Trading Account and the Wallet Platform. By issuing instructions to us, you acknowledge that you understand the consequences of your actions. If you are unsure, you should not undertake any action and seek appropriate assistance from FAQs, support services or your independent financial advisor. All instructions you give will be under an irrevocable authority. You are solely responsible for all instructions issued through your Wallet Trading Account.

5.6 Transfer of Funds

You may transfer Fiat into and out of your Wallet Trading Account in the following ways:

1. Direct Entry (Standard Bank Transfer),
2. New Payments Platform ("NPP"):
   1. NPP PayID (transfer in only), and
   2. NPP Bank Transfer (transfer in and out), or
3. Other methods may be introduced in future, and we may notify you by publishing the information on the Wallet Platform.

5.6.1 Deposits

You can transfer funds Fiat your Wallet Trading Account from a bank account which must be solely under your name, and not a joint account with someone else or another entity. We will refund deposits made from third party payment providers or platforms (e.g. Revolut, PayPal and Wise) to the bank account details included in the payment details. You are responsible for ensuring that the third party payment provider or platform allocates the refunded amount to your bank account.

The details we give to you for the purposes of transferring funds to your Wallet Trading Account, while unique to that account, do not represent a bank account being opened in your name, nor controllable by you. We do not issue BSBs, and we do not provide banking services.

5.6.2 Withdrawals

You may instruct us to transfer the Fiat we hold for you to your nominated bank account, which must be solely under your name, and not a joint account with someone else or another entity. You must not transfer Fiat to pay another party from the Wallet Platform.

We may change the ways you can transfer Fiat to your Wallet Trading Account or impose any deposit or withdrawal limits, and we may publish that information on the Wallet Platform. Transfer and clearance times for Fiat deposits and withdrawals are out of our control. Initial transfers made via NPP and all Direct Entry payments may take over 24 hours to clear. Future NPP transfers tend to clear within minutes, however, this is not guaranteed. Where possible, transfers from the Wallet Platform will first attempt to occur via the NPP in an attempt to achieve fast processing.

5.7 Ownership and Use of Cryptocurrency

You acknowledge that any Supported Cryptocurrency balance held in your Wallet Trading Account is not legally held by you. When you purchase Supported Cryptocurrency we allocate the relevant amount of Supported Cryptocurrency to your Wallet Trading Account by updating our internal ledger. Although you have beneficial interest in the amount of Supported Cryptocurrency displayed in your Wallet Trading Account you do not have legal title in that Supported Cryptocurrency. You authorise us to use the Supported Cryptocurrency in which you have a beneficial interest in our sole discretion at all times for our own purpose and acknowledge that our use of the Supported Cryptocurrency is for our benefit only. You will retain a beneficial interest in the Supported Cryptocurrency at all times. You will be able to transfer any Supported Cryptocurrency balance held in your Wallet Trading Account from Finder Wallet to an external wallet address owned and controlled by you in Australia.

5.8 Purchase and Sale of Supported Cryptocurrency

The Wallet Platform will display your Fiat and Supported Cryptocurrency balances in your Wallet Trading Account. We will display indicative buy and sell prices for the purchase or sale of Supported Cryptocurrency.

Any price offered is indicative only, and is an invitation to treat, so by issuing instructions on our order submission page for the purchase or sale of Supported Cryptocurrency, you are inviting us to accept your offer to purchase or sell the Supported Cryptocurrency at the indicated price, and you understand that the actual price executed could vary from this indicated price.

We publish market prices for Supported Cryptocurrency as we receive them from unrelated third-party sources. That market price will be displayed on the Wallet Platform but will not be a price at which you can trade. We do not guarantee best in market pricing. We include a spread which is a price above the buy price, or below the sell price of what may be available elsewhere in the market. This spread may vary depending on market volatility or the amount being traded. As a result, after completing a purchase, it is highly unlikely that you will be able to immediately sell for the same price you paid.

We will provide a trade summary in your Wallet Trading Account that includes the executed price (once the trade is confirmed) and Cryptocurrency Trading Service Fees (inclusive of GST) for the transaction. You will be able to view details of historical trades executed within your Wallet Trading Account in the Finder Wallet section of the Finder App. If we are unable to fulfill your request to trade, deposit or withdraw, we will notify you.

5.9 Recurring Trades

You can instruct us to make recurring trades on your behalf by interacting with the recurring trade feature in the Wallet Platform. Recurring trades will be made on or around the indicated time and date, at the available exchange rate at the time of the trade. You can cancel your recurring trade plan in the Wallet Platform. You should allow sufficient time before a recurring trade is scheduled for your cancellation instructions to be processed. It is your responsibility to ensure that there is a credit balance and sufficient funds in your Wallet Trading Account. If there are insufficient funds in your Wallet Trading Account, the recurring trade will not be processed and your recurring trade plan may be terminated. You may restart your recurring trade plan via the Wallet Platform.

5.10 Transfer of Supported Cryptocurrency

You can request that Supported Cryptocurrency held as a credit balance in your Wallet Trading Account be transferred to an external wallet controlled by you, and your control of that wallet must be in Australia. You must not transfer Supported Cryptocurrency held in your Wallet Trading Account to pay another party from the Wallet Platform. We may require you to provide evidence you control your external wallet address, and that you are in Australia when you receive the transferred Supported Cryptocurrency into your external wallet address. We may refuse the withdrawal of Supported Cryptocurrency in the credit balance of your Wallet Trading Accoun or seek additional personal information at our discretion. There may be a fee payable to transfer your Supported Cryptocurrency balance off the Wallet Platform.

5.11 Fees

Fees and Charges are published on the Wallet Platform. We may change our Fees and Charges from time to time. We may notify you of any changes to our Fees and Charges by publishing changes on the Wallet Platform or Online Platform. You should review the current Fees and Charges prior to transacting. We impose trading, deposit and withdrawal limits, which are published on the Wallet Platform. Fees and Charges will be deducted during a purchase, sale, or transfer, of Supported Cryptocurrency, therefore the funds or Supported Cryptocurrency you receive will be the transaction value, less fees.

5.12 Regulations

Finder Wallet is a digital currency exchange registered with AUSTRAC. The Cryptocurrency Trading Service is not offered to you under an Australian Financial Services License and Finder Wallet does not provide any financial product or financial product advice. The Cryptocurrency Trading Service, and any information we provide, are only intended for residents of Australia, who are in Australia at the time of using the Cryptocurrency Trading Service. Nothing on the Wallet Platform, or elsewhere on the Online Platform or in our promotional material, is intended to offer the Cryptocurrency Trading Service to non-Australian residents.

5.13 Risk Disclosure

5.13.1 Volatility Risk

Trading and holding cryptocurrency has a high level of risk. Cryptocurrency is a volatile asset, and you can incur losses. Though generally less volatile, stablecoin categories of cryptocurrency carry risk and may lose some or total market value. You should only trade cryptocurrency and access and use the Cryptocurrency Trading Service if you fully understand and agree to the risks.

5.13.2 Counterparty Risk

When you purchase cryptocurrency, you only hold the beneficial interest. Finder Wallet, or a third party, will hold and secure the Supported Cryptocurrency. If Finder Wallet, or the third party becomes insolvent, or is subject to hacking or some other cyber security event, your Supported Cryptocurrency may be jeopardised and you may incur partial or total loss of your Supported Cryptocurrency.

5.13.3 Insolvency Risk

You do not maintain a legal interest in the Cryptocurrency, and we do not hold Fiat currency in a trust account. Accordingly, if Finder Wallet becomes insolvent, you will be an unsecured creditor in relation to your Supported Cryptocurrency or Fiat balances held with us.

5.13.4 Complex Tax Advice Risk

Buying, selling cryptocurrencies for profit raises complex and novel taxation issues. You will need to be prepared to talk to a tax adviser if you use the Cryptocurrency Trading Service. We suggest you seek independent taxation advice prior to purchasing or selling Supported Cryptocurrency.

5.13.5 Independent Financial Advice

We suggest you seek independent financial advice prior to purchasing Supported Cryptocurrency.

5.13.6 Non-Exhaustive Risk Disclosure

You understand that this list of risks is not exhaustive.

5.14 Wallet Trading Account Registration

5.14.1 Approval for a Wallet Trading Account

The Wallet Platform and the Cryptocurrency Trading Service (including your Wallet Trading Account) are provided by Finder Wallet under licence.

You must apply for a Wallet Trading Account within the Finder App, and be approved by us, prior to using the Cryptocurrency Trading Service. We will need to identify you prior to you being approved to use the Cryptocurrency Trading Service, and we will ask you for personal information which we will use to try to identify you. We will share your personal information with one or more third parties for the purpose of identifying you, and providing the Cryptocurrency Trading Service (including your Wallet Trading Account) to you.

We may ask you for more information before we approve your Wallet Trading Account for use, and we may require you to provide more information in the future, including the source of your funds, and the circumstances of your trading and dealing with Supported Cryptocurrency. You agree to provide information requested by Finder Wallet, for use pursuant to the Trading Terms, the Act, the Rules and the Finder Group Privacy Policy.

We reserve the right to reject any application at our sole discretion, and we are not obliged to notify you of the reason for the rejection. We reserve the right to close your Wallet Trading Account at our sole discretion at any time, without notice, and we do not have to provide you with a reason for the closure.

5.14.2 Age

You must be 18 years of age or older to use the Cryptocurrency Trading Service.

5.14.3 Lawful Use

You acknowledge and agree to use the Wallet Platform and the Cryptocurrency Trading Service lawfully.

You will only use the Wallet Platform and the Cryptocurrency Trading Service for yourself, and not on behalf of a third party.

5.15 Limit Access

We may limit your access to your Wallet Trading Account, the Cryptocurrency Trading Service and the Wallet Platform or remove your access entirely without prior notice, and we have no liability to you for such actions.

5.16 Tax

You are responsible for any tax consequences arising from your use of the Wallet Platform and the Cryptocurrency Trading Service.

5.17 Termination

We may terminate the Trading Terms (and consequently, our agreement with you for the Cryptocurrency Trading Service) at any time, without prior notice. If we terminate the Trading Terms or revoke access to or close your Wallet Trading Account, we will make any payment due and owing to you in accordance with the relevant clause of the Trading Terms.

5.18 Authorisation

5.18.1 Appointment

You appoint and authorise Finder Wallet to act in commission of the Cryptocurrency Trading Service. This includes, where relevant, acting under your instructions to buy and sell Supported Cryptocurrency, and to transfer funds and Supported Cryptocurrency.

5.18.2 Transfer of Cryptocurrency

You authorise us to transfer Supported Cryptocurrency which you have a beneficial interest in, into or out of, storage, and to and from a third party. We may nominate a third party on your behalf to receive and hold title in your Supported Cryptocurrency balance.

5.18.3 Transfer of Fiat

You authorise us to hold, and transfer your Fiat for the provision of the Cryptocurrency Trading Service. You authorise third parties we use to operate the Wallet Platform and provide the Cryptocurrency Trading Service to hold, and transfer your Fiat for the purpose of providing the Cryptocurrency Trading Service.

5.18.4 Hold and Deal with Cryptocurrency

You will be the beneficial owner of the Supported Cryptocurrency you purchase. We, or a third party, will hold the legal title to the Supported Cryptocurrency in your Wallet Trading Account balance.

You authorise us to hold the Supported Cryptocurrency in which you have a beneficial interest, or to nominate a third party to hold the Cryptocurrency in which you have a beneficial interest. If we engage a third party, your legal relationship will be with Finder Wallet, and not a third party custodian.

You authorise us to deal with your Supported Cryptocurrency balance in our sole discretion, including for our own financial gain or benefit, and acknowledge that we have no obligation to hold an amount of cryptocurrency equivalent to the amount of Supported Cryptocurrency allocated to your Wallet Trading Account at any one time.

We will keep records of the transactions on your Wallet Trading Account. The balance of your Supported Cryptocurrency recorded by us will appear in the dashboard of your Wallet Trading Account.

5.18.5 Hold and Deal with Fiat

You authorise us to hold Fiat on your behalf to buy and sell Supported Cryptocurrency for the performance of the Cryptocurrency Trading Service. There will be no interest payable to you on any Fiat we hold for you. We can hold funds on separate accounts, or pooled, entirely at our discretion. The balance of your Fiat funds recorded by us will appear in the dashboard of your Wallet Trading Account.

5.18.6 Deal as Necessary

You authorise us to take reasonably necessary steps to comply with your instruction for the provision of the Cryptocurrency Trading Service.

5.18.7 Beneficial Interest

Subject to the Trading Terms, you can buy, sell and exchange your beneficial interest in your Supported Cryptocurrency balance via the Finder App by instructing us. You will not have direct control of your Supported Cryptocurrency or Fiat balances, or any related private key(s).

5.19 Security

5.19.1 Keep Wallet Trading Account Secure

It is your responsibility to keep your Wallet Trading Account information secure. You must not share your login details with anyone else. You must monitor your Wallet Trading Account's transactions on a daily basis, and immediately notify us of any unusual transactions and unauthorised activity.

5.19.2 Notify Us of Security Breach

You must immediately (within 24 hours following discovery) notify us, in writing by email, of any security breach of your Wallet Trading Account which includes if you become aware of:

(a) any loss, theft, or unauthorised use of your login details or Wallet Trading Account;
(b) not receiving an accurate written confirmation of an order, execution, or cancellation;
(c) confirmation of an order, execution or cancellation, which you did not place;
(d) any inaccurate information relating to your orders, trades, status, Wallet Trading Account balances, deposits, withdrawals, positions or transaction history; or
(e) any other unauthorised use or access of your Wallet Trading Account.

5.19.3 No Liability for Misuse

We are not liable for any unauthorised use of your Wallet Trading Account information. You agree that you will be responsible for losses that arise from your failure to:

1. safeguard your login details;
2. review each statement for possible unauthorised activity; or
3. report any unauthorised activity to us as provided herein or by failure to follow another process communicated to you by us.

5.19.4 One Wallet Trading Account

You can only operate one Wallet Trading Account at a time.

5.19.5 Incorrect Distribution

You agree to promptly return to us any assets mistakenly distributed to you.

5.20 Provision of Cryptocurrency Trading Service

5.20.1 Notification of Errors

We do not represent that the Wallet Platform or the Cryptocurrency Trading Service will always be free from errors. If you find an error, please notify us so we may correct it.

5.20.2 Wallet Platform Operation

While we do make reasonable efforts to ensure the safe operation of the Wallet Platform and the Cryptocurrency Trading Service, we cannot guarantee that each will be free from technical issues, or will operate without issues on your device. If there are delays beyond our control, we will endeavour to rectify the issue as soon as it is practical to do so.

5.20.3 Wallet Platform Access

We aim to provide a high level of service to you. However, we do not warrant the operation or availability of the Wallet Platform or the Cryptocurrency Trading Service. There may be technical interruptions, maintenance downtime, hardware failure or other unexpected events. You must consider that there may be interruptions to the provision and availability of the Cryptocurrency Trading Service.

We cannot guarantee the Wallet Platform or the Cryptocurrency Trading Service will be safe from unauthorised access or unauthorised activity. You are responsible for securing your Wallet Trading Account login details.

We cannot guarantee third parties we nominate to support our operation of the Wallet Platform and Online Platform and provision of the Cryptocurrency Trading Service will not cause disruption or experience failure that impacts theCryptocurrency Trading Service.

5.20.4 Comply with the Act and Rules

We must comply with the Act and Rules, which includes our reporting obligations. Therefore, we may be required to report suspicious, and other, activity to law enforcement and/or the appropriate regulator or supervisory authority.

5.20.5 Update Your Device

You should keep your installation of the Finder App updated, to keep up with features and security enhancements. You acknowledge that failure to maintain Finder App updates may result in a security risk leading to your Wallet Trading Account being compromised and loss of your Supported Cryptocurrency or Fiat balances.

5.20.5 No Unauthorised Access

You must only use the Cryptocurrency Trading Service by using the Wallet Platform within the Finder App without modification in any way. We are not responsible for losses you may incur due to your unauthorised access. You must not decompile, reverse engineer or use the Wallet Platform or the Cryptocurrency Trading Service in a way not expressly described and authorised by us. You are liable for your infringement of our intellectual property rights.

5.20.6 Errors and Mistakes

You authorise us to deduct from your balance any overpayments, or payments made to you in error, and you agree to reimburse us for any shortfall if you do not have sufficient balance in your Wallet Trading Account.

5.21 Intellectual Property

5.21.1 Finder Wallet Ownership

All intellectual property, including moral and legal rights, arising from your access to and use of the Wallet Platform or Cryptocurrency Trading Service is vested in Finder Wallet at the time of creation.

5.21.2 No Unauthorised Use

You must not modify, alter or use the Wallet Platform and any related software, including the Online Platform, in a way not intended by us.

5.21.3 Licence

You are granted a limited revocable licence to access and use the Wallet Platform in accordance with the Trading Terms solely for the purpose of the Cryptocurrency Trading Service.

5.21.4 Protection

We may seek remedies at law, including an injunction, to protect our intellectual property.

5.22 Liability

All express or implied guarantees, warranties, representations, statements, terms and conditions which are not expressly set out in the Trading Terms are excluded. Nothing in these terms excludes, restricts or modifies any guarantee, term, condition, warranty, or any right or remedy, implied or imposed by any law or legislation which cannot lawfully be excluded or limited, including the Australian Consumer Law which contains guarantees that protect the purchasers of goods and services in certain circumstances. If any guarantee, term, condition or warranty is implied or imposed in relation to these terms under the Australian Consumer Law or any other applicable legislation (a "Non-Excludable Provision") and we are able to limit your remedy for a breach of the Non-Excludable Provision, then our liability for breach of the Non-Excludable Provision is limited to one or more of the following at our option: (i) in the case of goods, the replacement of the goods or the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or of acquiring equivalent goods, or the payment of the cost of having the goods repaired; or( (ii) in the case of services, the supplying of the Cryptocurrency Trading Service again, or the payment of the cost of having the Cryptocurrency Trading Service supplied again. In any event, our maximum aggregate liability for all claims arising under or relating to the Trading Terms whether in contract, tort (including negligence), in equity, under statute, under an indemnity, based on fundamental breach or breach of a fundamental term or on any other basis is limited to the amount paid, if any, by you in connection with the Cryptocurrency Trading Service. To the maximum extent permitted by law, we are not liable for any indirect or consequential loss, or loss of business, goodwill, reputation or for business interruption.

5.23 Indemnity

You agree to indemnify us for loss, damage and reasonable expenses arising from your breach of the Trading Terms, and any unlawful conduct or misuse of the Wallet Platform or Cryptocurrency Trading Service by you. You agree that we may deduct any amount owed to us, including costs of remedying a breach, from any Supported Cryptocurrency or Fiat balances held by us and owing to you under the Trading Terms. Under no circumstances shall you have any recourse to take any action, or make any claim against any related body corporate, director, officer, employee, contractor or advisor, of Finder Wallet. Any claims are to be only brought against Finder Wallet.

5.19 Prohibited Uses

You agree and understand that Finder Wallet does does not permit the use of the Wallet Platform or Cryptocurrency Trading Service for any prohibited activity including but not limited to transfers to and/or from mixing services used to obscure the source of funds, third party wallets, peer-to-peer and other exchanges which do not perform Know Your Customer ("KYC") screening as part of their onboarding process, funds from gambling sites, funds belonging to darknet marketplaces or illegal activity that would violate, assist in violation of, or cause Finder Wallet to violate any applicable laws or which would involve proceeds of any unlawful activity.

5.24 Supported Cryptocurrency

A list of cryptocurrencies that Finder Wallet currently supports trading in for the Cryptocurrency Trading Service is available via the Wallet Platform ("Supported Cryptocurrency"). Finder Wallet may discontinue a Supported Cryptocurrency at any time and for any reason at our sole discretion, including due to changes in the Supported Cryptocurrency's characteristics or due to a change in the Supported Cryptocurrency regulatory classification.

You may not be able to retrieve any cryptocurrency or other crypto-asset that is not, or ceases to be, a Supported Cryptocurrency. Finder Wallet assumes no liability, obligation or responsibility whatsoever with respect to any cryptocurrency or other crypto-asset other than a Supported Cryptocurrency.

5.25 Network Control

Finder Wallet does not own or control any of the underlying software through which blockchain networks are formed and cryptocurrencies are created and transacted. In general, the underlying software for blockchain networks tends to be open source such that anyone can use, copy, modify, and distribute it. By accessing and otherwise interacting with the Wallet Platform and the Cryptocurrency Trading Service, you understand and acknowledge that Finder Wallet is not responsible for the operation of the underlying software and networks that support cryptocurrencies and that Finder Wallet makes no guarantee of functionality, security, or availability of such software and networks.

5.26 Forks

The underlying network protocols are subject to sudden changes in operating rules, and third parties may from time to time create a copy of a digital asset network and implement changes in operating rules or other features ("Forks") that may result in more than one version of a network (each, a "Forked Network") and more than one version of a digital asset ("Forked Assets").

Forked Networks and the available supply of any Forked Assets are wholly outside of the control of Finder Wallet, and its affiliated entities, and our ability to deliver Forked Assets resulting from a Forked Network may depend on third parties outside of our control. You understand and acknowledge that Forks may materially affect the value, function, and even the name of the digital assets associated with your Wallet Trading Account. In the event of a Fork, we may temporarily suspend (entirely or in part) the Cryptocurrency Trading Service and/or the Wallet Platform (with or without advance notice to you) while we determine, at our sole discretion, which Forked Network(s) to support.

Finder Wallet is unlikely to support most Forked Networks and most Forked Assets will likely not be made available to you. We may determine, in our sole discretion, not to support a Forked Network. You have no right, claim or other privilege against us to Forked Assets on such unsupported Forked Network. We may, in our sole discretion, determine our approach to such Forked Assets, which may include abandoning or otherwise electing not to support such Forked Assets as part of the Cryptocurrency Trading Service.

5.27 Airdrops

In the event that a digital asset network attempts to or does distribute (sometimes called "airdropping" or "bootstrapping") additional digital assets to or through its digital asset network, such network shall become a Forked Network and subject to the terms set forth above.

We do not support airdrops or tokens or coins which supplement or interact with a digital asset supported by us. You will not use us, the Wallet Platform or the Cryptocurrency Trading Service to attempt to receive, request, send, store or engage in any other type of transaction involving airdrops or tokens or coins which supplement or interact with a digital asset supported by us. You will not be able to retrieve any unsupported digital asset. We assume no liability, obligation or responsibility whatsoever in respect to any unsupported digital asset.

5.28 Complaints

If you have a complaint, please contact support@finderwallet.com.

5.29 Transfer

We may transfer, assign or novate our rights and obligations under the Trading Terms.

5.30 Jurisdiction

These Trading Terms shall be governed by and construed in accordance with the laws of New South Wales and the Parties submit to the exclusive jurisdiction of the Courts of New South Wales.

5.31 Definitions

In the Trading Terms:

"Act" means Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

"AUD" means Australian dollar.

"Business Day" means a day on which banks are open for general banking business in New South Wales (not being a Saturday, Sunday or public holiday in that place).

"Cryptocurrency Trading Service" means your Wallet Trading Account and the buying and selling of Supported Cryptocurrency through that Wallet Trading Account on the Wallet Platform.

"Fiat" means Australian dollars, or other government issued currency if expressly referred to as such.

"NPP" means New Payments Platform.

"Rules" means Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1).

"Supported Cryptocurrency" means Bitcoin or other cryptocurrency or crypto-assets which are supported and made available for trading on the Wallet Platform and included in the list of supported cryptocurrencies in the Wallet Platform.

"Trading Terms" means these Cryptocurrency Trading Terms, which form part of, and are incorporated by reference into the Terms of Service and may be amended by Finder Wallet at its sole discretion.

"Wallet Platform" means the Finder Wallet software system for the trading of Supported Cryptocurrency made available in the Finder App and is the means through which Finder Wallet provides Cryptocurrency Trading Service (and related services or features) to you.

"Wallet Trading Account" means the trading account you must apply for, and be approved for, by Finder Wallet to be eligible to access and use the Cryptocurrency Trading Service.