1. Acceptance & eligibility
By using the Platform you agree to these Terms. You must be 18+ and use accurate information. We may refuse service where required by law (including sanctions or AML/CTF laws).
2. No personal advice
Content is general information only and not personal financial, legal, tax, or accounting advice. No returns are guaranteed.
3. Accounts & acceptable use
Keep credentials confidential; you are responsible for activity in your account. Do not misuse, disrupt, reverse-engineer, or upload unlawful content.
4. Electronic communications & signatures
You consent to receive documents electronically. Electronic signatures are generally valid under the Electronic Transactions Act 1999 (Cth) when statutory conditions are met.
5. AML/CTF, sanctions & KYC
We may require information to satisfy AML/CTF and sanctions obligations. We may delay, refuse, or freeze transactions, and report to authorities where required.
6. Payments, application monies & crypto
- Application monies: may be received into an Application Monies Trust/Suspense Account pending issue or refund.
- Payment methods:
- Bank transfer (PayID/Bank): a 5% payment-processing fee applies.
- Crypto (manual): accepted by prior arrangement with a 0% payment-processing fee. We provide one-time pay-in details (asset, network, amount, reference) and reconcile using your payment reference and transaction hash within the quote’s validity window.
- Posting: All payments (bank and crypto) are posted after reconciliation and admin approval; processing times vary and are not instant.
- You are responsible for any network fees charged by your chosen payment rail.
7. Investment documents control
Where product terms appear on the Platform, the applicable PDS (retail) or IM (wholesale) governs. If these Terms are inconsistent with a PDS/IM, the PDS/IM prevails for product terms.
8. Third-party services
Links/tools from third parties are used at your discretion and subject to their terms and privacy policies.
9. Consumer law
Nothing in these Terms excludes your non-excludable rights under the Australian Consumer Law.
10. Liability & indemnity (subject to law)
To the extent permitted by law, we exclude liability for indirect or consequential loss, loss of profit or revenue, or loss caused by events beyond our reasonable control. You indemnify us for loss arising from your breach of these Terms or unlawful use of the Platform.
11. Disputes & governing law
Contact support@reoptyltd.com for issues. These Terms are governed by the laws of New South Wales, Australia and you submit to the non-exclusive jurisdiction of its courts.