Platform Policy

Platform Policy, Subscription Terms & Service Level Agreement

This document governs the relationship between Adopt Cashless (“Platform”) and the Operator (Business Owner or Location Operator). It also sets out terms applicable to End Customers transacting through the Platform. Please read this document carefully before activating a subscription or processing any transaction.

Definitions

The following defined terms apply throughout this document:

Adopt Cashless / Platform: Adopt Cashless Pty Ltd, the operator of the Adopt Cashless SaaS platform and all associated services.

Operator: A business owner, merchant, venue operator, or other entity that subscribes to the Platform to manage cashless payment operations at one or more locations.

End Customer / Customer: A person who interacts with the Platform through an Operator’s deployment — including by recharging an account, paying a tax invoice, or completing any other money transaction processed through the Platform.

Subscription: A recurring paid arrangement between the Operator and Adopt Cashless for access to the Platform under a nominated plan.

Plan: A tier of access to Platform features and support, as published on the Adopt Cashless website from time to time (including Free, Lite, and Pro plans, or any successor plans).

Transaction: Any movement of funds processed through the Platform, whether initiated by the Operator or the End Customer, including account recharges, tax invoice payments, and any other financial operation.

Processing Fee: The fee charged by Stripe, Inc. on each Transaction in accordance with Stripe’s published pricing.

Platform Fee: The fee charged by Adopt Cashless on each Transaction, as published on the Platform or at the point of checkout.

Stripe: Stripe, Inc., the third-party payment processor used by Adopt Cashless to facilitate all payment processing.

Business Day: A day that is not a Saturday, Sunday, or Australian public holiday.

SLA: Service Level Agreement — the support commitments set out in Section 9 of this document.

Scope, Parties & Agreement

This document constitutes a legally binding agreement between Adopt Cashless and the Operator. It sets out the terms governing the Operator’s subscription to the Platform, the processing of Transactions through the Platform, the support levels applicable to each Plan, and the respective rights and obligations of all parties.

By activating a subscription, providing payment details, processing a Transaction, or otherwise using the Platform, the Operator unconditionally agrees to be bound by this document in its entirety, including any amendments made by Adopt Cashless from time to time in accordance with Section 12.

End Customers are subject to applicable transaction terms presented at the point of payment. Where an End Customer processes a Transaction through the Platform, they acknowledge and accept that a Processing Fee and a Platform Fee will apply to that Transaction.

This document applies globally to all Operators and transactions regardless of jurisdiction, and supplements any other terms and policies published by Adopt Cashless.

Subscription Plans & Licence

Available Plans

Adopt Cashless offers subscription plans including Free, Lite, and Pro tiers, as well as any other plans published on the Adopt Cashless website from time to time. The features, limitations, and pricing applicable to each plan are as displayed on the Platform at the time of subscription or as otherwise communicated by Adopt Cashless.

Adopt Cashless expressly reserves the right to introduce new plans, retire existing plans, introduce new features, reassign features between plans, and restructure plan offerings at any time. Where such changes affect an existing Operator’s subscription, Adopt Cashless will provide at least sixty (60) days’ prior written notice before implementing changes that remove or materially reduce features available under an Operator’s current plan, or that increase the subscription fee applicable to an Operator’s current plan.

The addition of new features, the introduction of new plans, and the reassignment of features to higher-tier plans do not constitute a material reduction in existing plan entitlements and may be implemented without notice.

Licence Grant

Upon successful payment of the applicable subscription fee, Adopt Cashless grants the Operator a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for the duration of the active subscription period. This licence is granted solely for the Operator’s internal business operations and may not be sub-licensed, resold, or assigned without prior written consent from Adopt Cashless.

Free Plan

Where a Free plan is offered, the Operator may access a limited set of Platform features at no subscription cost. Transaction fees continue to apply on the Free plan. Adopt Cashless reserves the right to modify, limit, or withdraw the Free plan at any time. Free plan access does not guarantee continued availability of any specific feature set.

Plan Changes by the Operator

An Operator may upgrade or downgrade their subscription plan at any time through their account settings. Plan changes take effect at the commencement of the next billing cycle unless otherwise specified by Adopt Cashless. Prorated credits or charges for mid-cycle plan changes may be applied at the sole discretion of Adopt Cashless.

Subscription Trials

Where Adopt Cashless offers a free trial of a paid plan, the Operator will not be charged during the trial period. At the conclusion of the trial, the subscription will automatically convert to a paid plan and the nominated payment method will be charged unless the Operator cancels before the trial expires. Adopt Cashless reserves the right to modify, limit, or withdraw trial offers at any time without notice.

Payment Processing & Automatic Debits

Payment Gateway

All subscription billing and Transaction processing is facilitated exclusively by Stripe, Inc. By providing payment details and activating a subscription, the Operator expressly authorises Adopt Cashless and Stripe to charge the nominated payment method on a recurring basis in accordance with the selected plan. Stripe’s handling of payment data is governed by Stripe’s own Privacy Policy and Terms of Service, available at stripe.com.

Adopt Cashless does not store full payment card details on its own systems. All sensitive payment data is tokenised and secured by Stripe in accordance with PCI-DSS standards.

Recurring Charge Authorisation

By subscribing to any paid plan, the Operator authorises Adopt Cashless and Stripe to automatically debit the nominated payment method at the commencement of each billing cycle, retry failed payment attempts in accordance with Section 4.4, update stored payment credentials using card network account updater services, and store a tokenised representation of the payment method for ongoing billing. This authorisation remains in effect until the subscription is cancelled and all outstanding amounts are settled.

Billing Cycles & Amounts

Subscription fees are charged in advance at the start of each billing cycle. The billing cycle (monthly, annual, or otherwise) is as selected at the time of subscription and displayed in the Operator’s account dashboard. All pricing is displayed at the point of purchase and on the Adopt Cashless website.

Adopt Cashless reserves the right to change subscription pricing at any time. For price increases affecting existing subscribers, at least sixty (60) days’ prior written notice will be provided. Continued use of the Platform after a notified price change takes effect constitutes the Operator’s acceptance of the new pricing.

Failed Payments & Retries

If an automatic debit fails for any reason, including insufficient funds, an expired card, or a declined transaction, Adopt Cashless and Stripe may attempt to re-process the payment one or more times. Adopt Cashless reserves the right to suspend or terminate Platform access if payment cannot be successfully collected after reasonable retry attempts.

The Operator is solely responsible for ensuring the nominated payment method remains valid and has sufficient funds at all times. Adopt Cashless accepts no liability for fees, charges, or penalties imposed by the Operator’s financial institution in connection with attempted debits.

Processing Delays

There may be delays in payment processing where a public or bank holiday falls on or after the debit date, where a payment request is received on a non-Business Day, or where a payment request is received after Stripe’s or Adopt Cashless’s normal operational cut-off times. Payments affected by these circumstances will be processed on the next available Business Day.

Transaction Fees & End Customer Charges

How Transaction Fees Work

Certain Transactions processed through the Platform — including but not limited to End Customer account recharges, tax invoice payments, and any other money transactions processed through the Platform by either the Operator or the End Customer — attract a Processing Fee charged by Stripe and a Platform Fee charged by Adopt Cashless.

Both fees are deducted at the time the Transaction is processed. The applicable rates for the Processing Fee and the Platform Fee are published on the Adopt Cashless website and may be displayed to the End Customer at the point of payment, in accordance with applicable disclosure obligations.

Operator Responsibility for Disclosure

The Operator is responsible for ensuring that End Customers are appropriately informed of any fees that apply to their transactions, to the extent required by applicable law or consumer protection regulations in the jurisdictions in which the Operator operates. Adopt Cashless provides fee disclosure mechanisms within the Platform, but the Operator bears ultimate responsibility for compliance with local disclosure requirements.

Platform Fee Changes

Adopt Cashless reserves the right to adjust the Platform Fee applicable to Transactions at any time. For increases to the Platform Fee, Adopt Cashless will provide at least sixty (60) days’ prior written notice to affected Operators. Transaction fees charged by Stripe are subject to Stripe’s own pricing and may change in accordance with Stripe’s terms.

Non-Refundable Transaction Fees

All Processing Fees and Platform Fees applied to completed Transactions are strictly non-refundable, except where Adopt Cashless determines a refund is warranted due to a Platform error. The determination of whether a Platform error has occurred is made solely at the discretion of Adopt Cashless.

Cancellation Policy

Operator’s Right to Cancel

An Operator may cancel their subscription at any time, without notice, through the account settings within the Platform or by contacting Adopt Cashless support. There are no cancellation fees, no minimum commitment periods, and no advance notice period is required to cancel.

Effect of Cancellation

Upon cancellation of a subscription, the Operator’s access to the Platform will remain active until the end of the current, pre-paid billing cycle. No further automatic debits will be initiated after that date. At the conclusion of the billing cycle, the Operator’s licence to access and use the Platform will immediately and automatically terminate, all access credentials will be deactivated, and the Operator and any associated users will no longer be able to log in or use the Platform in any capacity.

Cancellation does not affect the Operator’s obligation to pay any outstanding fees accrued prior to the cancellation date, including any Transaction fees.

Reactivation

An Operator who has cancelled their subscription may reactivate by commencing a new subscription through the Platform. Adopt Cashless does not guarantee that prior account data, settings, configurations, or transaction history will be available upon reactivation, particularly where data retention periods under Section 10 have elapsed.

No-Refund Policy

General Rule

All subscription fees paid to Adopt Cashless are strictly non-refundable. This policy applies universally and without exception, including where the Operator cancels their subscription before the end of a billing cycle, where any portion of the billing period was unused, where the Operator’s account is suspended due to a breach of this document or the Terms of Service, where the Platform experiences downtime or technical issues, where the Operator is dissatisfied with the Platform or any of its features, and where a plan change results in a change to the feature set available to the Operator.

By subscribing, the Operator expressly waives any entitlement to a refund of subscription fees to the maximum extent permitted by applicable law.

Chargebacks

Any attempt by the Operator to initiate a chargeback or payment dispute through their financial institution that Adopt Cashless determines to be without legitimate basis may result in the immediate suspension or permanent termination of the Operator’s account and all associated licences. Adopt Cashless reserves the right to contest any such chargeback and to recover associated fees, costs, and losses.

Nothing in this Section limits any rights the Operator may have under applicable consumer protection laws that cannot be lawfully excluded by contract.

Suspension & Termination by Adopt Cashless

Adopt Cashless reserves the right, in its sole and absolute discretion, to suspend or permanently terminate an Operator’s account and all associated licences at any time, with or without notice, in circumstances including but not limited to non-payment of subscription fees or Transaction fees, a breach of this document, the Terms of Service, or any other Adopt Cashless policy, use of the Platform for fraudulent, illegal, deceptive, or abusive purposes, conduct that poses a risk to the integrity, security, or reputation of the Platform, an instruction from a regulatory authority or law enforcement agency, or the discontinuation of the Platform or a particular service in whole or in part.

Upon termination for breach or non-payment, no refund of any prepaid subscription fees will be provided. Adopt Cashless accepts no liability for any loss, damage, or inconvenience arising from the suspension or termination of an Operator’s account, including any consequential loss to the Operator’s business or to End Customers.

Support & Service Level Agreement (SLA)

Support Channel

Adopt Cashless provides Operator support exclusively via email. No telephone support, live chat, or in-person support is offered under any plan. Support requests must be submitted to the designated support email address published on the Adopt Cashless website. Adopt Cashless reserves the right to change the support email address at any time by updating its website, with or without direct notice to Operators.

Support Availability & Response Times

Support response times are measured in Business Days, being Monday to Friday, and excluding Saturdays, Sundays, and any Australian public holiday, whether national or in any Australian state or territory. Response times are targets, not guarantees, and represent the period within which Adopt Cashless aims to send an initial response to a support request. Initial response does not guarantee resolution within the same timeframe.

Free Plan — Standard Support

Operators on the Free plan receive Standard Support. Adopt Cashless aims to respond to support requests submitted under the Free plan within 48 to 72 Business Hours from the time the request is received. Standard Support is provided on a reasonable-endeavours basis and is subject to support volume and resource availability.

Lite Plan — Standard Support

Operators on the Lite plan receive Standard Support on the same terms as the Free plan. Adopt Cashless aims to respond to Lite plan support requests within 48 to 72 Business Hours from the time the request is received.

Pro Plan — Priority Support

Operators on the Pro plan receive Priority Support. Adopt Cashless aims to respond to Pro plan support requests within 24 to 48 Business Hours from the time the request is received. Priority Support means Pro plan requests are queued ahead of Standard Support requests where resources are shared.

Response Time Calculation

The response time clock commences when a support request is received by Adopt Cashless during a Business Day. Requests received outside Business Hours — including on weekends or Australian public holidays — will be treated as received at the commencement of the next Business Day. Adopt Cashless will not be held to SLA response times where a request is received on a Saturday, Sunday, or Australian public holiday, or where the Operator has not provided sufficient information for Adopt Cashless to respond.

Support Scope

Email support covers issues directly related to the use of the Adopt Cashless Platform, including account access, subscription management, transaction inquiries, and platform functionality. Support does not extend to third-party integrations outside of the Platform’s documented functionality, general business or technical consulting, issues caused by the Operator’s own hardware, network, or software environment, or issues arising from the Operator’s failure to comply with Platform requirements.

SLA Limitations

The SLA response commitments set out in this Section apply only during periods when the Platform is operational. Adopt Cashless does not guarantee uninterrupted availability of the Platform or the support service. Scheduled maintenance, emergency maintenance, or events beyond Adopt Cashless’s reasonable control — including but not limited to third-party infrastructure outages, cyberattacks, natural disasters, or force majeure events — may affect Platform availability and support response times without giving rise to any liability on the part of Adopt Cashless.

Changes to Support Tiers

Adopt Cashless reserves the right to introduce, modify, or discontinue support tiers, adjust response time commitments, and reassign support features between plans at any time. Where such changes materially reduce the support level available to an existing Operator, Adopt Cashless will provide at least sixty (60) days’ prior written notice.

Data Retention

Retention Period

Adopt Cashless retains all financial records, transaction data, billing history, and associated account data for a period of seven (7) years from the date of the relevant transaction or account activity. This retention period reflects regulatory and financial recordkeeping obligations applicable across the jurisdictions in which Adopt Cashless operates.

Automatic Deletion

At the expiry of the seven (7) year retention period, financial and transactional data will be automatically and permanently deleted from Adopt Cashless’s systems. Adopt Cashless does not guarantee retrieval or restoration of data once the retention period has elapsed and strongly recommends that Operators maintain their own records of transaction data for as long as required by their own regulatory obligations.

Post-Cancellation Data

Following cancellation of an Operator’s subscription, account and transaction data will be retained for the duration of the seven (7) year retention period and then automatically deleted. The Operator may request deletion of personal data at any time, subject to Adopt Cashless’s obligations to retain data for legal, regulatory, financial, and compliance purposes.

End Customer Data

Adopt Cashless collects and retains End Customer data in connection with Transactions processed through the Platform. Such data is handled in accordance with the Adopt Cashless Privacy Policy, which is incorporated into this document by reference. Operators are responsible for ensuring that their own use of End Customer data obtained through the Platform complies with applicable privacy and data protection laws.

Platform Availability & Limitation of Liability

No Uptime Guarantee

Adopt Cashless does not guarantee uninterrupted or error-free access to the Platform. The Platform is provided on an “as is” and “as available” basis. Adopt Cashless will make reasonable efforts to maintain Platform availability but accepts no liability for any loss or damage arising from downtime, errors, interruptions, delays, or data loss.

Scheduled Maintenance

Adopt Cashless may take the Platform offline for scheduled maintenance from time to time. Where practicable, advance notice of scheduled maintenance will be provided via the Platform or by email. Emergency maintenance may be performed without notice where required to protect the security or integrity of the Platform.

Limitation of Liability

To the maximum extent permitted by applicable law, Adopt Cashless’s total aggregate liability to an Operator for any claim arising out of or in connection with this document or the Platform — whether in contract, tort, statute, or otherwise — is limited to the total subscription fees paid by the Operator to Adopt Cashless in the three (3) months immediately preceding the event giving rise to the claim. Adopt Cashless is not liable for any indirect, consequential, special, or punitive loss or damage, loss of revenue, loss of profit, loss of data, loss of goodwill, or business interruption, whether or not such loss was foreseeable.

Force Majeure

Adopt Cashless will not be liable for any failure or delay in performing its obligations under this document where such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to natural disasters, acts of government, pandemics, cyberattacks, third-party infrastructure failures, or industrial disputes.

Right to Amend This Policy

Adopt Cashless expressly reserves the right to amend, modify, update, or replace any part of this document — including subscription pricing, billing terms, cancellation terms, refund terms, data retention terms, support terms, transaction fee structures, and plan features — at any time.

For amendments that increase subscription pricing or materially reduce the features or support levels available to an existing Operator under their current plan, Adopt Cashless will provide at least sixty (60) days’ prior written notice, delivered by email to the address associated with the Operator’s account or by a prominent notice published on the Platform.

For all other amendments — including the introduction of new plans, new features, reassignment of features between plans, changes to transaction fee rates, changes to policies, and changes to SLA terms — Adopt Cashless may implement changes without prior notice. The most current version of this document will always be published on the Adopt Cashless website with the applicable effective date.

Continued use of the Platform or maintenance of an active subscription following any amendment constitutes the Operator’s unconditional acceptance of the amended terms. If the Operator does not agree to an amendment, the Operator must cancel their subscription before the amendment takes effect.

Intellectual Property

All intellectual property rights in and to the Platform, including its software, design, content, trademarks, and underlying technology, are and remain the exclusive property of Adopt Cashless or its licensors. This document does not grant the Operator any rights in or to the Platform’s intellectual property beyond the limited licence described in Section 3.2.

The Operator must not copy, modify, reverse engineer, decompile, or create derivative works from the Platform or any part of it. The Operator must not use the Adopt Cashless name, logo, or trademarks without prior written consent.

Confidentiality & Data Security

Adopt Cashless will keep Operator account details, financial data, and business information confidential and will not disclose such information to third parties except to the extent required by law, as necessary to provide the Platform services (including disclosure to Stripe and other service providers), in connection with any legal proceedings or regulatory inquiry, or as otherwise authorised by the Operator.

Adopt Cashless implements reasonable technical and organisational security measures to protect Operator and End Customer data. However, Adopt Cashless does not warrant that the Platform is immune from unauthorised access, cyberattacks, or data breaches, and accepts no liability for any such events except to the extent caused by Adopt Cashless’s gross negligence or wilful misconduct.

International Subscribers & Governing Law

Adopt Cashless offers the Platform to Operators worldwide. By subscribing, the Operator acknowledges and agrees that this document is governed by the laws of Queensland, Australia, and the laws of the Commonwealth of Australia, without regard to conflict of law principles.

The Operator is responsible for determining whether their use of the Platform complies with the laws and regulations of their own jurisdiction, including any requirements relating to cashless payment processing, data protection, consumer protection, and financial regulation. Adopt Cashless does not warrant that the Platform is compliant with the laws of any jurisdiction outside Australia.

All subscription fees and transaction amounts are charged in the currency displayed at checkout. Currency conversion fees or charges imposed by the Operator’s financial institution are the Operator’s sole responsibility.

Any dispute arising out of or in connection with this document that cannot be resolved informally shall be subject to the exclusive jurisdiction of the courts of Queensland, Australia. Where local mandatory consumer protection laws grant the Operator rights that cannot be excluded by contract, those rights are not affected by this clause.

General Provisions

Entire Agreement: This document, together with the Adopt Cashless Terms of Service, Privacy Policy, and any other policies published on the Adopt Cashless website, constitutes the entire agreement between Adopt Cashless and the Operator with respect to the Platform and supersedes all prior agreements, representations, and understandings.

Severability: If any provision of this document is found to be invalid, unlawful, or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.

No Waiver: A failure or delay by Adopt Cashless to exercise any right under this document does not constitute a waiver of that right.

Assignment: The Operator may not assign or transfer any rights or obligations under this document without the prior written consent of Adopt Cashless. Adopt Cashless may assign its rights and obligations under this document without restriction.

Notices: All notices from Adopt Cashless to Operators will be delivered by email to the address registered in the Operator’s account or by a notice published on the Platform. Notices from Operators to Adopt Cashless must be sent to the support email address published on the Adopt Cashless website.

Relationship of Parties: Nothing in this document creates a partnership, joint venture, agency, or employment relationship between the parties. Adopt Cashless and the Operator are independent parties.

Contact & Support

For all subscription, billing, transaction, and general platform enquiries, please contact Adopt Cashless at:

Email: support@adoptcashless.com

Website: www.adoptcashless.com

Postal Address: PO Box 8432, Gold Coast MC QLD 9726

For billing disputes, please contact Adopt Cashless support before initiating any action through your financial institution. We will make reasonable efforts to resolve disputes promptly.