Terms & Referral

Last updated on November 15, 2025

Referral Program — Terms & Conditions and Anti-Fraud Provisions (Official Legal Version)

Effective Date: [15/NOV/2025]
Company: Odix Pay Technology AUS Pty Ltd (“Odix Pay”, “the Company”, “we”, “us”)
Program: Odix Pay Referral Program (“Program”)

1. Definitions and Interpretation
1.1 Unless otherwise stated:

• Referrer: A verified Odix Pay user who shares a referral link or code issued by the Company.

• Invitee: A new user who registers via the Referrer’s unique link or code.

• KYC: Completion of all identity-verification procedures defined by Odix Pay.

• Top-Up: A funding or balance-loading transaction within the Odix Pay account.

• Reward: Any cash, balance credit, cashback, or promotional value granted under this Program.

1.2 Headings are for reference only and do not affect interpretation.

2. Program Scope and Reward Conditions

2.1 The Program covers both Virtual Card and Physical Card campaigns. Reward amounts and triggering events are defined and may be adjusted by the Company.

2.2 Virtual Card: The Referrer receives a reward equal to 2% of the Invitee’s first Top-Up amount after the Invitee completes KYC and activates a virtual card. The Invitee pays a USD 5 card fee which is refunded to their balance upon activation.

2.3 Physical Card: The Referrer earns USD 30 after the Invitee purchases a physical card. The Invitee receives USD 30after completing their first Top-Up following card purchase.

2.4 All rewards apply only to transactions verified as authentic and approved by the Company.

3. Reward Nature and Usage Limitations

3.1 Rewards are credited as bonus balance / cashback within the Odix Pay account. Unless explicitly stated otherwise, they are not withdrawable cash. The Company may restrict use of rewards (e.g., card payments only, Top-Ups only).

3.2 The Company may set daily, monthly, or program-specific maximum reward limits without prior notice.

4. Eligibility and Time Limit

4.1 Invitee actions must occur within 30 days of registration to qualify for rewards. Transactions after this period do not earn rewards.

4.2 Participants must be 18 years or older and hold a valid Odix Pay account. Multiple accounts or accounts subject to legal restrictions are ineligible.

5. Strict Anti-Fraud Rules (Fraud Definitions and Consequences)

5.1 The following constitute automatic fraud indicators; upon detection, the Company may immediately suspend, revoke, reclaim, or withhold rewards, freeze or terminate accounts, and/or initiate legal action:

a) Multiple accounts created or accessed from the same IP address, NAT/router, mobile cell, or shared Wi-Fi network;

b) Identical device IDs (IMEI, Device ID), browser fingerprints, hardware signatures, MAC addresses, or use of emulators/virtual machines;

c) Duplicate personal data (e.g., same name, birth date, ID/passport, email, phone, bank account, or payment card) used across multiple accounts;

d) Use of VPNs, proxies, Tor networks, datacenter IPs, or other anonymizers to mask real location;

e) Mass registrations via automation, bots, scripts, or scrapers;

f) Forged, manipulated, or invalid KYC documents (e.g., deep-fake or photoshopped IDs);

g) Self-referral — opening or controlling Invitee accounts owned by the Referrer;

h) Refund, chargeback, reversal, or refund-loop patterns intended to generate artificial rewards;

i) Multiple users sharing the same payment source (bank account, virtual IBAN, wallet);

j) Any other behavioral abnormality flagged as “high risk” by the Company’s fraud detection system (e.g., abnormally high referral rates, unusual geo patterns).

5.2 Upon any such detection, the Company may deny or reverse payments, freeze funds, suspend accounts, report to authorities, and seek civil or criminal remedies for damages.

6. Investigation, Evidence and Appeals

6.1 When a suspicious case arises, the Company will suspend the reward and commence a technical review within 7–30 business days.

6.2 Participants must provide any additional information or documents requested (e.g., secondary ID, proof of address, transaction receipts). Failure to co-operate voids eligibility.

6.3 Referrer/Invitee may appeal a suspension within 30 days by submitting written evidence. The Company will decide within 30 business days and notify in writing. Further legal remedies remain available thereafter.

6.4 The Company may, at its discretion, engage an independent auditor or expert; if funded by the Company, their findings may be binding.

7. Reward Payment and Delays

7.1 Rewards are credited automatically after verification of the triggering event (e.g., Top-Up, card purchase). The Company may delay crediting for 24–72 hours for verification.

7.2 External banking, payment-processor, or regulatory checks may introduce additional delays. Participants shall have no claim for compensation in such cases.

8. Data Processing, Retention and Disclosure

8.1 The Company processes personal data only for Program operation, fraud prevention, compliance, and auditing purposes.

8.2 IP addresses, device fingerprints, transaction logs, KYC documents, and related metadata are stored for a minimum of [X] years under Odix Pay’s data-retention policy, consistent with GDPR and the Australian Privacy Principles (APPs).

8.3 Where legally required, the Company may disclose data to tax, AML, or law-enforcement authorities.

9. Post-Violation Legal and Financial Consequences

9.1 In cases of fraud or violation:

a) The Company may recover any unjustified rewards paid, together with interest and expenses. Non-payment permits legal action.

b) The Company may seek full compensation for direct or indirect losses arising from the user’s actions.

9.2 All rights to offset such amounts against the user’s existing balances are reserved.

10. Limitation of Liability and Indemnification

10.1 The Company is not liable for indirect, incidental, special, or punitive damages arising from the Program or reward participation.

10.2 Participants agree to indemnify and hold Odix Pay harmless from any third-party claims, damages, or costs (including legal fees) resulting from their Program participation or breach of these Terms.

11. Modification and Notification

11.1 Odix Pay reserves the right to modify, suspend, or terminate the Program and these Terms at any time.

11.2 Material changes that negatively affect users will be announced at least 14 days in advance via in-app notice or email; other changes may take immediate effect where required by law or compliance. Participants are responsible for reviewing updates.

12. Governing Law and Jurisdiction

12.1 These Terms shall be governed by and construed in accordance with the laws of New South Wales, Australia.

12.2 Disputes not resolved amicably shall be submitted exclusively to the courts of New South Wales, Australia.

13. Miscellaneous

13.1 Severability: If any provision is held invalid, the remaining provisions remain enforceable; the invalid clause will be interpreted to achieve its original intent as lawfully as possible.

13.2 Entire Agreement: This document constitutes the entire agreement between the parties regarding the Program and supersedes all prior communications.

13.3 Notices: Official communications may be delivered through in-app notifications, registered email, or publication on the Odix Pay website.

14. Acceptance of Terms

By participating in the Odix Pay Referral Program, Referrers and Invitees confirm that they have read, understood, and agreed to be bound by all provisions herein. Odix Pay reserves the right to suspend or terminate accounts that violate these Terms.

Company Information

Odix Pay Technology AUS Pty Ltd

ACN: [ACN663951120]