Effective Date: September 2026

1. Introduction

These Terms & Conditions and Acceptable Use Policy (“Terms”) govern your access to and use of the Litecard platform, website, applications, APIs, dashboards, integrations and related services (“Services”).

The Services are provided by Litecard Pty Ltd (“Litecard”, “we”, “us” or “our”), an Australian technology company providing mobile wallet infrastructure for businesses.

Litecard enables organisations to create, distribute and manage digital wallet experiences, including loyalty cards, membership credentials, vouchers, offers, tickets and customer engagement experiences across supported wallet platforms.

By accessing or using the Services, you agree to these Terms.

If you use the Services on behalf of an organisation, you confirm that you have authority to accept these Terms on behalf of that organisation.

2. About Litecard

Litecard provides digital wallet technology that allows businesses to connect their existing customer, loyalty, ecommerce and operational systems with mobile wallet experiences.

The Services may include:

• digital membership cards;
• loyalty cards;
• promotional offers;
• vouchers and coupons;
• event and venue credentials;
• customer notifications;
• QR code, barcode and NFC-enabled experiences;
• integrations with third-party business systems.

Litecard provides the technology platform. Businesses using Litecard remain responsible for their customer relationships, marketing activities and compliance obligations.

3. Use of the Services

Customers may use Litecard only for legitimate business purposes and in accordance with these Terms.

Customers are responsible for:

• ensuring account information is accurate;
• maintaining appropriate access controls;
• ensuring authorised users only access the platform;
• maintaining security of login credentials;
• ensuring information uploaded to Litecard is accurate and lawful.

Customers must not use Litecard in a way that:

• breaches applicable laws;
• infringes the rights of another person;
• compromises platform security;
• damages the reputation or operation of Litecard.

4. Customer Responsibilities

Customers are responsible for ensuring their use of Litecard complies with applicable laws, including:

• the Privacy Act 1988 (Cth);
• the Australian Privacy Principles;
• the Spam Act 2003 (Cth);
• Australian Consumer Law;
• applicable state and territory legislation.

Customers are responsible for:

• obtaining appropriate consent to collect and use customer information;
• providing appropriate privacy notices;
• ensuring promotions and offers are accurate;
• maintaining records of customer permissions;
• managing customer preferences and communication requests.

5. Customer Data and Privacy

Customers retain ownership of their customer information, content and business data submitted into Litecard (“Customer Data”).

Litecard processes Customer Data only to:

• provide the Services;
• operate integrations;
• support customer requests;
• maintain security;
• comply with legal obligations.

Litecard does not sell Customer Data.

Where Litecard processes personal information on behalf of a Customer, the Customer remains responsible for determining:

• the purpose of collection;
• the lawful basis for processing;
• communications provided to individuals.

Where required, additional data processing terms may apply.

6. Messaging, Notifications and Anti-Spam Compliance

Litecard enables Customers to send digital wallet updates, notifications and customer communications.

Customers are responsible for ensuring all communications sent using Litecard comply with applicable laws, including the Spam Act 2003 (Cth).

Customers must ensure:

• recipients have provided consent where required;
• communications are relevant and not misleading;
• sender identification requirements are met;
• unsubscribe or opt-out mechanisms are provided where required;
• customer communication preferences are respected.

Litecard does not permit use of the Services for:

• unsolicited commercial messages;
• spam;
• misleading advertising;
• deceptive promotions;
• unlawful marketing activity.

Litecard may suspend access where it reasonably believes a Customer is using the Services in breach of these obligations.

7. Acceptable Use Policy

Customers must not use Litecard to:

Illegal Activities

• breach applicable laws;
• facilitate fraud;
• impersonate another person or organisation;
• distribute unlawful content.

Security Misuse

• attempt unauthorised access;

• interfere with platform operation;

• introduce malicious software;

• perform unauthorised security testing.

Customers must not upload or distribute content that:

• infringes intellectual property rights;
• is misleading or deceptive;
• is unlawful, threatening or harmful.

8. Wallet Platforms and Third-Party Services

Litecard integrates with third-party platforms including:

• Apple Wallet;
• Google Wallet;
• Samsung Wallet;
• CRM systems;
• ecommerce platforms;
• loyalty platforms;
• point-of-sale systems.

Customers acknowledge that third-party platforms are governed by their own terms and policies.

Litecard is not responsible for changes, interruptions or limitations imposed by third-party providers.

9. Intellectual Property

Litecard owns all rights, title and interest in:

• the Litecard platform;
• software;
• APIs;
• documentation;
• technology;
• trademarks;
• product improvements.

Customers retain ownership of:

• their trademarks;
• branding;
• customer data;
• content provided to Litecard.

Customers provide Litecard with permission to use Customer Data only as required to provide the Services.

10. Fees and Subscription Services

Customers agree to pay fees specified in applicable proposals, order forms or agreements.

Fees may include:

• subscription charges;
• usage charges;
• implementation services;
• professional services.

Fees are exclusive of applicable taxes unless otherwise stated.

Failure to pay fees may result in suspension of Services.

11. Service Availability

Litecard aims to provide reliable and secure access to the Services.

However, Customers acknowledge that availability may be affected by:

• scheduled maintenance;
• third-party platforms;
• internet connectivity;
• events outside Litecard’s reasonable control.

Litecard does not guarantee uninterrupted availability unless agreed under a separate service level agreement.

12. Security

Litecard maintains appropriate technical and organisational safeguards designed to protect Customer Data.

Further information about Litecard’s security practices may be provided through our Security & Trust Centre and enterprise documentation.

13. Confidentiality

Each party agrees to protect confidential information received from the other party.

Confidential information may include:

• business information;
• technical information;
• customer information;
• commercial information.

Confidential information must only be used for purposes connected with the Services.

14. Suspension and Termination

Litecard may suspend or terminate access where:

• these Terms are breached;
• fees remain unpaid;
• unlawful activity is suspected;
• security risks arise;
• continued access may harm Litecard or other customers.

Where reasonably possible, Litecard will provide notice before suspension.

15. Australian Consumer Law

Nothing in these Terms excludes, restricts or modifies rights or remedies available under the Australian Consumer Law where those rights cannot lawfully be excluded.

For business customers, liability may be limited to the maximum extent permitted by law.

16. Limitation of Liability

To the maximum extent permitted by law:

• Litecard is not liable for indirect or consequential loss;
• Litecard is not responsible for third-party platform failures;
• Litecard’s liability is limited to amounts paid by the Customer in the applicable period preceding the claim.

17. Changes to These Terms

Litecard may update these Terms from time to time.

Updated Terms will be published on our website.

Continued use of the Services after updates indicates acceptance of the revised Terms.

18. Governing Law

These Terms are governed by the laws of Victoria, Australia.

The courts of Victoria, Australia will have jurisdiction unless otherwise agreed in writing.

19. Contact

For questions regarding these Terms, email: legal@litecard.com.au