1. Introduction, Acceptance, Definitions, and Modifications

These Terms of Use (the “TOU”) apply to the website at https://confidia.au (the “Website”) which includes all subdomains present and future. We hope you enjoy your visit and/or use of the Website, which may include the use of the “Services”, the proprietary software system that Confidia (trading as HowToPay) has developed to provide point-of-sale (“POS”) software and related services which businesses use to record and manage sales, receipts, inventory, staff and operational information. Confidia Pty Ltd trading as HowToPay may separately act as Merchant of Record (“MoR”) for approved consumer sales where a specific Merchant of Record or Supply Partner agreement applies. Use of the POS software alone does not make Confidia the seller or Merchant of Record for every sale. The Services are more fully defined herein below. For further clarity, any mention of the Website in these TOU includes the Services, as the Services are accessed on a subdomain of the Website.

By visiting and/or using the Website, or by clicking the acceptance box upon signing up for an account, you agree to be bound by the terms of the present agreement, the TOU, without any reservations, modifications, additions, or deletions. If you do not agree to all the provisions contained in the TOU, you are not authorised to use the Website. The TOU are a legal and binding agreement between you and us.

The Services may be used by businesses and other sellers, including but not limited to corporations, partnerships, sole traders and other legally-constituted entities (hereinafter “Legal Entities”), as well as by consumers purchasing products and services offered through the Services. If you are an individual using the Services on behalf of a Legal Entity, you represent and warrant that you have the capacity and authority to enter into the TOU on behalf of the Legal Entity, and hereby agree to be bound by the terms of the TOU on behalf of that Legal Entity.

The Website is owned and operated by Confidia Pty Ltd (ABN 65 641 060 782), an Australian company located at Unit B1, 13-21 Mandible Street, Alexandria NSW 2015, Australia.

Where the present TOU refers to Confidia, it may refer to Confidia, and/or its officers, directors, employees, agents, or representatives, depending on the context. Any reference to “we”, “our”, or “us” in these TOU, a Website visitor or user, or the Legal Entity they represent (depending on the context), may be referred to as “you” or “your”. When a Website user has created an account and is logged in to the Services, they may be referred to as a “Logged-in User”. Confidia reserves the right, at any time and without prior notice, to modify or replace any of the TOU. Any changes to the TOU can be found at this URL. It is your responsibility to check the TOU periodically for changes. Your use of the Website following the posting of any changes to the TOU constitutes acceptance of those changes. If we make any substantial changes to the TOU that materially affect your legal relationship with Confidia, we will use commercially reasonable efforts to notify you by sending a notice to the primary email address specified in your account or by posting a prominent notice when you log in to your account for the first time following those changes. The TOU should be read in conjunction with the Privacy Policy, as both these documents govern your use of the Website. sx

If you have any questions about the TOU, please contact:

Confidia

Compliance Department – [email protected]

or:

Compliance Department

Confidia, Unit B1, 13-21 Mandible St Alexandria NSW 2015 Australia.

2. General Code of Conduct for Use of the Website

In addition to the more specific rules found later in these TOU, you agree that by visiting and/or using the Website, you will:

a. Not use the Website in any manner that in any way violates these TOU;

b. Not use the Website in any manner that violates any intellectual property rights of any third party;

c. Not use the Website other than for your own personal use, on behalf of your Legal Entity, or for other Authorised Users (as defined below) on your account;

d. Not use the Website in any manner to propagate spam, including but not limited to unsolicited advertising or bulk electronic mail or messages, including to link to a spam or phishing website;

e. Not use the Website in any manner to propagate software viruses, Trojan horses, worms, or any other malicious or non-malicious computer code, files, or programs that are designed or intended to disrupt, damage, limit or interfere with the proper function of any software, hardware, or telecommunications equipment in any form whether belonging to Confidia or a third party, or to damage or obtain unauthorised access to any system, data, password or other information (whether Personal Information or not) of Confidia, other Website users, or any other third party;

f. Not take any action that imposes or may impose (as determined by Confidia in its sole discretion) an unreasonable or disproportionately large load on Confidia (or its third party providers’) infrastructures;

g. Not Interfere, or attempt to interfere, with the proper functioning of the Website or any activities conducted on the Website;

h. Not bypass any measures Confidia may use to prevent or restrict access to the Website or any element thereof;

i. Not use manual or automated software, devices, or other processes to “crawl” or “spider” any page of the Website; or

j. Not harvest or scrape any content from the Website in an unreasonable manner;

k. Use the Website in good faith, and in compliance with all applicable local, state, provincial, national, and international laws.

3. Accounts, Passwords and Logged-in Users

In order to use the Services, you are required to create an account. Accounts are free and are available to anyone who provides the requisite information. The information required to create an account is the following: a valid email address, your full name, your company name, your company website, and your phone number. This information plus any additional non-mandatory information you submit as part of the sign-up process or at a subsequent time may be referred to in the present TOU or the Privacy Policy as “Account Information”.

As part of the account registration process, you will be asked to choose a password. It is your responsibility to create a password of sufficient strength that cannot easily be discovered by third parties. If you are a Logged-in User, it is strongly suggested that you log out of your account at the end of every session, or not leave a logged-in account unattended for any period of time. Confidia, its affiliates, and their respective officers, directors, employees, agents, partners, principals, representatives, successors and assigns (collectively “Representatives”), will not be held liable for any losses or damages, direct or indirect, pecuniary or non-pecuniary, resulting from your failure to log out at the end of the session, an unattended logged-in session, or a third party using the Services with your account information and accessing your account through any means, and disclaims any responsibility in this regard.

In addition to your personal account, you may choose to add additional team members from your Legal Entity who shall be able to use the Services as part of your account, by submitting additional Account Information as described in the Privacy Policy. These individuals may be referred to in these TOU or the Privacy Policy as “Authorised Users”. You shall be responsible for the rights and obligations under these TOU or the Privacy Policy of any Authorised User for whom you have created a sub-account in this manner. Any violations of these TOU by an Authorised User whose account was created by you shall be your sole responsibility, and you shall be liable for any actions taken by Confidia subsequent to such a violation. Confidia reserves the right to terminate your account, or the account of any Authorised User, at its sole discretion, at any time and for any reason, including but not limited to whether you (or the Authorised User, as applicable) have violated the letter or spirit of the TOU, as more further described hereinbelow.

4. Use of the Services

By using the Services, you agree to be bound by the terms of the present section, in addition to the terms found elsewhere in these TOU.

a. Definition of the Services and the Role of Confidia.

The Services are a proprietary point-of-sale (“POS”) software system developed by Confidia trading as HowToPay. The POS supports two distinct transaction types:
(1) Direct Partner Sale — the business using the POS is the seller to the consumer. The business receives payment using its own accepted payment method and remains responsible for the consumer contract, receipt, tax, refund and seller obligations. HowToPay POS records and manages the sale.
(2) Confidia Merchant of Record Sale — only where the transaction has been separately approved and is governed by a Merchant of Record or Supply Partner agreement, Confidia Pty Ltd trading as HowToPay is the seller to the consumer. A contracted Supply Partner fulfils the goods or services on Confidia’s behalf. Confidia remains responsible to the consumer as seller under the applicable Consumer Terms of Sale.
Confidia is not a bank and is not presented as a payment gateway, payment intermediary, payment processor, remittance service or money-transfer business. Confidia does not receive or pass through client money for the purpose of transferring funds between third parties.

b. Acceptance Process

In addition to having an account, in order to use the Services in their entirety, you must submit certain information about you, your Legal Entity, and financial information as more fully described in the Privacy Policy (hereinafter “Onboarding Information”). By submitting this Onboarding Information, you represent and warrant that: (i) all the Onboarding Information you submit is truthful and accurate, to the best your knowledge; and (ii) you shall provide any additional information pertinent to the acceptance process when requested by us, which shall also be truthful and accurate to the best of your knowledge. Upon receipt of your Onboarding Information, Confidia shall determine if you are eligible to use the Services. Confidia reserves the right, in its absolute discretion, to determine whether you have been accepted to use the Services. Confidia or its Representatives shall not be held liable for any losses or damages, direct or indirect, pecuniary or non-pecuniary, resulting from our denial of your access to the Services.

If you have been accepted to use the Services, you may be referred to as a “Client” in the TOU or the Privacy Policy.

Supply Partner / Merchant of Record Agreement

A business that participates in Confidia’s Merchant of Record model must enter a separate agreement with Confidia that defines the approved products or services, wholesale/supply relationship, fulfilment responsibilities, pricing, settlement terms, refunds, chargebacks, compliance and other obligations. The business is a Supply Partner for those approved sales; Confidia Pty Ltd trading as HowToPay is the seller to the consumer.

Confidia Pty Ltd trading as HowToPay acts as the Merchant of Record for the sale of products and services to consumers and does not act as a payment intermediary, payment processor, remittance service, or agent for the movement of money between third parties. CONFIDIA or its Representatives shall not be held liable for any losses or damages, direct or indirect, pecuniary or non-pecuniary, resulting from your failure to comply with the terms of any executed Merchant of Record Agreement or any applicable supply, fulfilment or retail requirements, and expressly disclaims any responsibility in this regard.

d. Payment of Fees

Fees payable by a business for HowToPay POS software are the subscription or service fees shown on the applicable plan or otherwise agreed with Confidia. Commercial terms for approved Supply Partner / Merchant of Record sales are set out separately in the applicable agreement. Consumer retail prices are the prices presented to the consumer by Confidia for the relevant MoR sale.

e. Third Party Payment Providers

Consumers purchasing from Confidia under the Merchant of Record model may be offered payment methods processed by independent third-party payment providers. The payment provider supplies payment-processing services; this does not change the consumer’s contract of sale with Confidia. Confidia remains the seller / Merchant of Record for the approved sale. A payment provider may impose separate terms governing use of its payment service.

For a Direct Partner Sale, the business using HowToPay POS is the seller and is responsible for its own relationship with any payment provider it engages directly. HowToPay POS may record the payment method or payment status without becoming the seller or payment processor for that Direct Partner Sale.

f. Additional Terms

By using the Services, you acknowledge and agree that any products or services sold through the Services comply with all applicable civil or criminal laws in the jurisdictions in which they are sold and to which they are delivered. Furthermore, Confidia retains the absolute right to refuse to offer the Services or to decline the sale of any product or service that Confidia may consider “high risk” or that is not approved for sale through the Services, or that in any way violates any Merchant of Record Agreement. This paragraph shall apply even if you have been accepted to use the Services generally.

5. Copyright and Intellectual Property Rights

a. General

The content, arrangement and layout of the Website and Computer Code (as defined below) are proprietary to Confidia, either owned or under licence, and may not be copied, imitated, reproduced, displayed, distributed, transmitted, decompiled, derivative works made from or otherwise used without the express permission of Confidia, or as permitted by the functionality of the Website or these TOU. Any unauthorised use of the content, arrangement or layout of the Website, Computer Code, images, logos, videos, audio or trademarks found on the Website or any derivative works thereof may violate civil or criminal laws, including but not limited to intellectual property laws, and Confidia may take action accordingly.

The above paragraph further applies to third party property used as part of the Website, including but not limited to third party Computer Code. For the purposes of the present section, “Computer Code” includes but is not limited to source code in any programming language, object code, frameworks, CSS, PHP, or JavaScript or similar files, templates, modules, or any similar files, and related documentation. If you choose to communicate to Confidia suggestions for improvements to the Website and / or the Services, (collectively, “Feedback”), Confidia shall own all right, title, and interest in and to the Feedback and will be entitled to use the Feedback without restriction. You hereby irrevocably assign all right, title and interest in and to the Feedback to Confidia and waive in favour of Confidia, its successors and assigns all your moral rights in the Feedback, and agree to provide Confidia such assistance as Confidia may require to document, perfect, and maintain Confidia rights to the Feedback. You acknowledge and agree that, by providing any Feedback to Confidia, you are not entitled to any compensation or reimbursement of any kind from Confidia under any circumstances.

b. Application Programming Interface (“API”)

If you choose to download and use the Confidia API, no ownership in the API or its constituent Computer Code is transferred to you. We hereby grant you a non-exclusive, worldwide, personal, non-transferable, non-assignable, non-sublicensable, royalty-free licence to use the API as contemplated in the API documentation.

6. External Links

From time to time Confidia may provide links to other websites or services. Links from the Website may take you to websites or services not covered by these TOU. When you access third party resources on the Internet in this manner, you do so at your own risk. Confidia provides those links as a convenience to you and Confidia takes no responsibility for your use of those other websites or services or protection of your privacy (including collection of your personal information) on those other websites or services. We encourage you to check the Terms of Use and / or Privacy Policy of any website or service you visit Confidia does not make any claim or warranty whatsoever about the content of those websites or services to which we link, or any products or services available through those websites or the third parties operating those websites. In no way will Confidia or its Representatives be held responsible for any damages, direct or indirect, pecuniary or non-pecuniary: (1) for your use of websites or other services that may be linked to from the Website or the information thereon; (2) for any virus, Trojan horse, worm or other similar destructive file received as a result of your use of those websites or services; (3) caused by or in connection with, use of or reliance on any content, or products or services (whether free or for purchase) available on or through any linked-to website or service; or (4) for the actions of the operators of any such website or service.

7. Interruption of Service

From time to time, the Website may be unavailable for periods of time for maintenance and / or modifications to the Website. While we will endeavour to make this unavailability as brief as possible, Confidia or its Representatives shall not be held liable for any losses or damages, pecuniary or non-pecuniary, resulting from the interruption of the normal functioning of the Website, and disclaims any responsibility thereto.

8. Data Protection

Confidia Pty Ltd is an Australian company and handles personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and other privacy and data protection laws that apply to its activities.

Confidia's handling of personal information is further described in its published Privacy Policy.

a. Handling of Personal Information

Where a Client, Authorised User, Supply Partner or other party provides personal information to Confidia in connection with the Services, that party must ensure that it is authorised to provide the information and that the information has been collected and disclosed lawfully.

Personal information may only be collected, used, disclosed and retained for legitimate purposes connected with the operation of the Services, including:

• account administration and onboarding;
• customer and business verification;
• the administration of retail sales where Confidia acts as Merchant of Record;
• payment administration relating to those retail sales;
• refunds, disputes and customer support;
• fraud prevention, security and risk management;
• compliance with legal and regulatory obligations; and
• the administration of Confidia's contractual relationships with Clients, retailers, stores and Supply Partners.

Each party must take reasonable steps to protect personal information against misuse, interference, loss, unauthorised access, modification or disclosure.

b. Information Provided to Confidia

Where a Client or other party provides Confidia with personal information relating to another individual, that party is responsible for ensuring that the individual has been provided with any privacy notices required by law and that the information may lawfully be provided to Confidia for the relevant purpose.

Confidia may request additional information where reasonably necessary to verify identity, conduct customer due diligence, prevent fraud, assess risk or comply with applicable legal and regulatory obligations.

c. Overseas Service Providers

Confidia may use technology, infrastructure, verification, security, analytics and other service providers located in Australia or overseas.

Where Confidia discloses personal information to an overseas recipient, Confidia will take reasonable steps as required by applicable Australian privacy law to ensure that the information is handled consistently with the Australian Privacy Principles, subject to any exceptions permitted by law.

Further information about overseas handling of personal information is contained in Confidia's Privacy Policy.

d. Security and Data Incidents

Each party must maintain reasonable administrative, organisational and technical safeguards appropriate to the nature of the personal information it handles.

Where Confidia becomes aware of a data breach involving personal information, Confidia will assess and respond to the incident in accordance with applicable Australian privacy and data breach notification requirements.

e. Retention

Confidia may retain personal information for as long as reasonably necessary for the purpose for which it was collected and to satisfy applicable legal, regulatory, accounting, audit, fraud prevention and record-keeping requirements.

Information collected for customer due diligence, identity verification or regulatory compliance may be retained for any minimum period required by applicable law.

f. Other Applicable Privacy Laws

Where privacy or data protection laws outside Australia apply to a particular individual, transaction or relationship, Confidia will comply with those requirements to the extent that they are legally applicable to Confidia.

Nothing in this section is intended to exclude or limit any privacy right or obligation that cannot lawfully be excluded or limited.

9. Termination of the Website or Your Access to the Website and the TOU

You agree that Confidia, in their sole discretion, with or without cause, has the right (but not the obligation) to block your IP address, revoke your account credentials, or otherwise terminate your access to or use of the Website (or any portion thereof), immediately and without notice, for any reason, including, without limitation, if Confidia believes that you have acted inconsistently with the letter or spirit of the TOU or the Privacy Policy, or have violated your Merchant of Record Agreement. Confidia may also, in their sole discretion and at any time, discontinue providing the Website, or any portion thereof, with or without notice. You agree that Confidia shall not be liable to you or any third party for any losses or damages, pecuniary or non-pecuniary, resulting from termination of your access to the Website, or from Confidia termination of the Website or any part thereof. You may also choose to terminate your access to the Website by cancelling your account. If you wish to cancel your account, please contact us at [email protected]

Termination of the Website or your access to the Website shall terminate the present TOU as between you and Confidia. All provisions of these TOU which by their nature should survive termination of these TOU shall survive termination, including without limitation, intellectual property provisions, disclaimers, indemnity, and limitations of liability.

10. Disclaimer of Warranties

You expressly understand and agree that your use of the Website, the information thereon or materials downloaded therefrom, or any activity arising from your use of the Website or the information thereon or the materials downloaded therefrom is at your sole risk. The Website, any materials downloaded therefrom, or any third party materials, are provided on an ”as is” and “as available” basis, and you will be solely responsible for any damage to your computer system or loss of data that results from the download, stream or access of any material obtained through the use of the Website or any other functionalities of the Website, or losses or damages (financial or otherwise) resulting from your use of the Website, the information thereon, any materials downloaded therefrom, or any activity arising from the use of the Website, the information thereon or any materials downloaded therefrom. The information or resources provided through the Website, written or produced by Confidia’s staff, freelance writers or other subcontractors hired by Confidia are expected to be as accurate as possible at the time of writing or production, and every effort has been made to ensure that the information from the Website is as accurate and up-to-date as possible. However, certain information may change, and errors or omissions may occur, and Confidia shall not be responsible for any loss or damage, financial or otherwise, resulting from changes or errors in information, or any omission, on the Website or the information thereon;

Confidia expressly disclaims all warranties of any kind, whether express or implied, including but not limited to: warranties of title and non-infringement; warranties that the Website, the information thereon or any materials downloaded therefrom, and any third party materials or third party services accessed via the Website will be uninterrupted, error-free, accurate, reliable and free from virus and other harmful components; and the implied warranties of ability and fitness for a particular purpose. Confidia, its affiliates and their respective Representatives, do not warrant that: (i) the Website will be secure or available at any particular time or location; (ii) any defects or errors or omissions will be corrected; (iii) any content (whether provided by Confidia or third parties) available at or through the Website is free of viruses or other harmful components; or (iv) the results of using the Website or any content downloaded therefrom will meet your requirements;

Some of the content displayed on the Website may include materials (including with respect to products or services) that belong to or are provided by third parties. You acknowledge that we assume no responsibility for such content, products and/or services. To the extent that the law does not permit a disclaimer of warranties, all content accessible on this Website, or any other website to which we link, and all operations on this Website are warranted only to the minimum amount legally required.

11. Limitation Of Liability

In no case will Confidia, its affiliates, or their respective Representatives or licensees be liable for any indirect, special, consequential, exemplary, punitive damages or other damages, or for any losses, damages, liabilities, costs and expenses arising out of or relating to (i) your access, use, misuse or inability to access or use the Website or any third party services accessed via the Website, or (ii) the interruption, suspension or termination of any part of or all the Website; and in both cases (i) and (ii) regardless of the cause of action (whether in contract, warranty, delict, quasi-delict, tort, negligence, strict liability or any other theory of liability) and even if we have been advised of the possibility of such damages. Notwithstanding anything to the contrary in the TOU, in no event will our aggregate liability for any claims in connection with your use of the Website and exceed the lesser of (i) AUD 100 or (ii) the total amount of the fees paid by you to Confidia over the previous 6 (six) calendar months. Confidia disclaims any responsibility where we or any Third Party Payment Provider fail to fulfil any contractual obligations due to an act of God or to any force majeure event. You expressly understand and agree that Confidia, its affiliates, or their respective Representatives or licensees shall not be liable for any direct, indirect, incidental, special, consequential, punitive or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, in contract, tort, strict liability, negligence, general civil liability or any other cause of action under legal or equitable theory, relating to the Website, the information on the Website, the use of the Website, activities arising from your use of the Website, any third party materials on the Website, access to or use of any third party services available through the Website, or any materials downloaded from the Website. This limitation of liability applies, without limitation, to any damages or injury caused by any error, omission or other failure of performance by Confidia, its affiliates, business partners (including but not limited to our third party payment providers), agents or other subcontractors; any interruption, defect or delay in operation or transmission, including communication line failure; any computer virus; and any theft, destruction or alteration of, or unauthorised access to or use of, any electronic records.; Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above exclusions and limitations may or may not apply to you.

12. Indemnity

Notwithstanding any other term of the TOU or any act or failure to act by Confidia or its Representatives, you agree to indemnify, defend and hold harmless Confidia, its affiliates and their respective Representatives where applicable, from and against any damages, liabilities, costs and expenses (including attorneys’ fees), claims or demands, arising out of (i) your use of or connection to the Website, the information thereon, the materials downloaded therefrom; (ii) your participation in any activities arising from the Website, the information thereon, or the third party services available through the Website; (iii) your violation of, or failure to perform your obligations under the TOU, the Privacy Policy or your Merchant of Record Agreement (as applicable); or (iv) your violation of any rights of a third party.

13. Governing Law and Applicable Jurisdiction

The TOU and your use of the Website shall be governed by and construed in accordance with the laws of New South Wales, Australia, in force at the time, excluding any rules of private international law or the conflict of laws which would lead to the application of any other laws. Regardless of where you access the Website, you agree that any action arising out of or relating to the TOU or your use of the Website shall be filed and adjudicated only in the courts located in New South Wales, Australia and you hereby irrevocably and unconditionally consent and attorn to the exclusive jurisdiction and venue of such court over any suit, action or proceeding arising out of the TOU or your use of the Website. Notwithstanding the foregoing, Confidia shall have the right to bring action against you in courts of competent jurisdiction in the jurisdiction in which you reside or are located: (i) to seek injunctive relief against you; (ii) to obtain a judgment against you where a judgment by the court will, or may not be, enforced by the jurisdiction in which you reside or are located; or (iii) to enforce a judgment obtained against you in a New South Wales court.

14. Law Enforcement

i) If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by the laws of New South Wales, Australia. You and we both agree that the courts of New South Wales will have non-exclusive jurisdiction.

ii) If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by the laws of New South Wales, Australia. We both agree to the exclusive jurisdiction of the courts of New South Wales.

15. Miscellaneous Provisions

(i) The TOU, in conjunction with the Privacy Policy (where applicable), constitute the entire agreement between you and Confidia with respect to your use of the Website, superseding any prior agreements between you and Confidia. Any definitions made only in the TOU shall apply equally to the Privacy Policy, and any definitions made only in the Privacy Policy shall apply equally to the TOU.

(ii)Confidia shall not be liable for any failure to perform its obligations under the present TOU where such failure results from any cause beyond Confidia’s reasonable control, including, but not limited to, mechanical, electronic or communications failure or degradation.

(iii) If any provision of the TOU or Privacy Policy is found by a court of competent jurisdiction to be invalid, you and Confidia nevertheless agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the TOU or Privacy Policy, as the case may be, shall remain in full force and effect.

(iv) The failure of Confidia to exercise or enforce any right or provision of these TOU does not constitute a waiver of such right or provision, which will still be available to Confidia.

(v) You shall not transfer or assign any rights or obligations you have under these TOU without the prior written consent of Confidia

(vi) The section titles in the TOU and Privacy Policy are for convenience only and have no legal or contractual effect.

© Confidia

Last Revised: 21 July 2026