Terms & Conditions

1. INTRODUCTION AND SCOPE

These Terms and Conditions (“Terms”) govern:

1. your access to and use of the website https://www.riotpay.com/ (the “Website”);
2. your submission of enquiries via the Website’s contact form;
3. the legal relationship between you and SDFG Capital Pty Ltd, a company incorporated under the laws of Australia with company number ACN 678 656 829, whose registered office is at 49 Torrington Drive, Marsfield, NSW 2122, Australia (“RiotPay”, “we”, “us”, “our”) regarding any future use of our mobile application (“App”) and the financial, banking, treasury and OTC services provided through that App (the “Services”).

By using the Website, you agree to these Terms. If you do not agree, you must not use the Website or submit an enquiry.

The Website is an informational and lead‑generation tool only. It does not allow you to register an account, open a banking facility, or execute any transaction. The Services themselves are provided exclusively through the App after you enter into a separate client agreement with us and complete all required identity verification (KYC/KYB) and AML checks.

2. APPLICABILITY AND JURISDICTIONAL NOTICE 

By using our Website or Services, you confirm that you are not:

1. a resident or citizen of a country subject to US, EU, UK, Australian or UN sanctions (e.g., North Korea, Iran, Syria, Crimea, Donetsk, Luhansk, Cuba, or any other embargoed jurisdiction);
2. listed on any sanctions list (OFAC, EU Consolidated List, UK HMT, Australian DFAT, UN);
3. subject to any local prohibition from using financial or crypto-asset services in your jurisdiction of residence or incorporation.

For Users in the EU/EEA and the UK:

These Terms respect your rights under applicable consumer laws. However, where you use our Services as a business (not a consumer), certain consumer protections may not apply. Your personal data is processed in accordance with the GDPR as described in our Privacy Policy.

For Users in Australia:

Our Services are provided in compliance with the Australian Privacy Act 1988 and AML/CTF Act 2006. You may access external dispute resolution (Australian Financial Complaints Authority - AFCA) if you are an eligible consumer and if our services fall within AFCA’s jurisdiction.

For Users in Asia (including Singapore, Hong Kong, Japan, South Korea, Malaysia, Thailand, Indonesia, Philippines, Vietnam, etc.):

You must comply with your local laws regarding cross-border payments and digital assets. Some Asian jurisdictions restrict or prohibit OTC trading, cryptocurrency exchange, or the operation of unlicensed financial services. You are solely responsible for understanding and obeying your local regulations. We do not represent that our Services are lawful in your jurisdiction, and you use them at your own risk. If you are a resident of Singapore, we will comply with the Personal Data Protection Act (PDPA); for Hong Kong – PDPO; for Japan – APPI; for Thailand – PDPA; for Malaysia – PDPA, as described in our Privacy Policy.

3. ABOUT RIOTPAY AND REGULATORY STATUS

SDFG Capital Pty Ltd (ACN 678 656 829) is a company incorporated in Australia and is registered as a  VASP and Remittance Provider with AUSTRAC. We provide certain payment, treasury and digital asset OTC services. The company does not hold an Australian Financial Services Licence (AFSL) and is not an authorised representative of any AFSL holder. Any services that would require an AFSL are performed by third‑party licensed partners. You will be informed of the exact regulatory status and the identity of any licensed third party in the separate App‑specific terms.

Nothing on this Website constitutes financial product advice. You should seek independent legal and financial advice before using any financial service.

4. ELIGIBILITY AND USE OF THE WEBSITE

4.1. Age restriction: You must be at least 18 years old (or the age of majority in your jurisdiction) to use this Website.

4.2. Lawful use: You must not use the Website for any illegal purpose or to transmit harmful code, malware, or spam.

4.3. No registration on Website: You do not create an account on the Website. If you wish to access the Services, you will be required to download the App, submit a formal application, and pass our KYC/KYB process.

5. ENQUIRY FORM AND COLLECTION OF INFORMATION

5.1. Information you provide: Through the Website you may submit an enquiry providing your name, company name, email address, phone number, and any other details you choose to include (“Enquiry Data”).

5.2. Purpose: We collect Enquiry Data solely to respond to your request, provide you with pricing information, and, if you agree, to begin the onboarding process for the App. We do not use Enquiry Data for any other purpose unless you later become a client.

5.3. No obligation: Submitting an enquiry does not create any contractual relationship, nor does it guarantee that we will offer you any Services. We reserve the right to decline to onboard any entity or individual for any reason permitted by law (e.g., sanctions, high‑risk exposure).

5.4. Data handling: Your Enquiry Data will be handled in accordance with our Privacy Policy and Cookie Policy. By submitting the enquiry, you consent to the processing described therein, including international transfers to Australia and other countries under GDPR safeguards (for EU/UK users) or under applicable Asian data protection laws.

6. USE OF THE APP 

The App and the Services are governed by a separate RiotPay App Terms of Service that will be presented to you during the onboarding process. Those terms will contain complete provisions regarding:

1. Account opening and KYC/KYB verification;
2. Transaction limits, fees and settlement;
3. AML/CTF obligations;
4. Suspension, termination and funds return;
5. Liability, indemnity, dispute resolution (exclusive Australian jurisdiction, subject to consumer protections).

By using the Website you acknowledge that the App Terms will prevail for any Service‑related matter.

7. INTELLECTUAL PROPERTY

All content on the Website, including text, graphics, logos, icons, images, software, and the overall “look and feel”, is owned or licensed by RiotPay. You may not copy, reproduce, republish, reverse engineer, or commercially exploit any part of the Website without our prior written consent.

8. PROHIBITED ACTIVITIES ON THE WEBSITE

You must not:

1. Use any robot, spider, scraper, or other automated means to access the Website for any purpose (including copying content);
2. Attempt to interfere with the Website’s security features;
3. Impersonate any person or entity, or provide false information in the enquiry form;
4. Transmit any viruses, Trojan horses, worms, or other malicious code.

9. THIRD‑PARTY LINKS AND RESOURCES

The Website may contain links to external websites (e.g., our App store listing, payment processor sites). We are not responsible for the content, privacy practices, or security of those third‑party sites. Your use of any linked site is at your own risk.

10. DISCLAIMER OF WARRANTIES

10.1. The Website is provided on an “as is” and “as available” basis. To the maximum extent permitted by Australian law (including the Australian Consumer Law, ACL), we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non‑infringement.

10.2. We do not warrant that:

1. the Website will be uninterrupted, secure, or error‑free;
2. any information on the Website is accurate, complete or current (we may update content without notice);
3. defects will be corrected.

10.3. Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred by the ACL that cannot be excluded. If the ACL applies to you as a consumer, you are entitled to certain non‑excludable guarantees (e.g., services provided with due care and skill). However, because the Website itself is free informational content, the only applicable guarantee is that we will use reasonable efforts to keep it functioning.

11. LIMITATION OF LIABILITY

To the fullest extent permitted by law, RiotPay (including its officers, employees, agents, and partners) shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data, goodwill, or business opportunity arising from:

1. your use or inability to use the Website;
2. any delay or interruption in Website availability;
3. any unauthorised access to or alteration of your Enquiry Data;
4. any conduct or content of any third party linked from the Website.

12. INDEMNIFICATION

You agree to indemnify and hold harmless RiotPay from and against any claims, losses, damages, liabilities, costs and expenses (including reasonable legal fees) arising out of:

1. your breach of these Terms;
2. your misuse of the Website;
3. any false or misleading information you submit via the enquiry form.

13. PRIVACY, COOKIES AND CROSS‑JURISDICTIONAL RIGHTS

Our collection, use, storage and disclosure of personal information is described in our Privacy Policy and Cookie Policy, both of which form part of these Terms.

If you are located in the EEA, UK you have specific rights under the GDPR.

If you are located in Australia, you have rights under the Privacy Act 1988.

If you are located in Asia (Singapore, Hong Kong, Japan, Malaysia, Thailand, etc.), we respect your rights under applicable local data protection laws (PDPA, PDPO, APPI, etc.) as detailed in our Privacy Policy.

To exercise any privacy rights, contact [e-mail].

14. GOVERNING LAW AND DISPUTES

14.1. For use of the Website only:

If you are a consumer located in the EEA or UK, nothing in these Terms deprives you of the mandatory consumer protections of your country of residence. You may bring any claim relating to the Website before the courts of your domicile.

If you are a consumer located in Australia, the laws of New South Wales apply and you may also use the Australian claims procedure.

For users in Asia, these Terms are governed by the laws of New South Wales, Australia, without prejudice to mandatory local consumer laws that may apply in your jurisdiction.

For all other users (including Australian businesses), these Terms are governed by the laws of New South Wales, Australia, with non‑exclusive jurisdiction of NSW courts.

14.2. For disputes relating to the App or Services:

Separate App Terms will specify exclusive jurisdiction (Australia), but any data‑protection claim may also be lodged with your local supervisory authority under GDPR or local Asian data protection authority.

15. TERMINATION OF WEBSITE ACCESS

We may, at our sole discretion, suspend or block your access to the Website at any time without notice if we believe you have violated these Terms. You remain bound by sections 7 (Intellectual Property), 10 (Disclaimer of Warranties), 11 (Limitation of Liability), 12 (Indemnification), 13 (Privacy, Cookies and Cross‑Jurisdictional Rights), 14 (Governing Law and Disputes) after termination.

16. AMENDMENTS

We may modify these Terms from time to time. The updated version will be posted on the Website with a new “Last Updated” date. If you continue to use the Website after the changes, you accept the revised Terms. Material changes will be notified via a banner on the Website.

17. CONTACT US

For legal or Terms‑related enquiries:

Email: legal@riotpay.com

Postal address:

49 Torrington Drive
Marsfield, NSW 2122
Australia