Veloxverse User Agreement and Terms and Conditions

The Australian platform operator is Veloxverse Pty Ltd, ABN 77 682 328 365 and ACN 682 328 365. Its Australian registered office is 8 Nexus Street, Ravenhall VIC 3023 and its business address is 2974 G, 470 St Kilda Road, Melbourne VIC 3004, Australia.

Veloxverse is also registered in New Zealand under company number 9368715 and NZBN 9429053098788. Its New Zealand registered office is Suite 15352, Unit A Level G, 26 Hobson Street, Auckland City, Auckland 1010, New Zealand. The contracting entity may vary according to the service, customer location and transaction.

Veloxverse Pty Ltd is registered with AUSTRAC as an Independent Remittance Dealer, IND100885760-001, and Remittance Network Provider, RNP100885760-001. AUSTRAC registration is a regulatory requirement and does not imply government approval or endorsement.

Veloxverse Pty Ltd trading as VeloxCredit is a Credit Representative, CRN 577923, operating under Australian Credit Licence 547719. Veloxverse has AFCA membership number 121988. Veloxverse holds IATA Numeric Code 02368763 for travel activities. Registration, membership or accreditation does not guarantee or endorse any particular product, provider, transaction, booking or outcome.

This Agreement applies to services made available through www.veloxverse.com, the Veloxverse app, related landing pages, authorised customer-service channels and approved partner or agent channels. It covers remittance, credit assistance, travel, accommodation, holiday packages, car rental, airport experiences, transfers, meet and greet, luggage storage, telecommunications, banking and insurance referrals, memberships, points, promotions, prize draws, coupon codes and related services.

A service may not be available in every country or to every customer. Availability depends on law, licensing, provider coverage, eligibility, sanctions, technical capability and commercial arrangements. Veloxverse may restrict a service by location or customer type where reasonably required.

Additional documents may apply, including the Privacy Policy, Cookie Policy, Remittance Terms, Travel Booking Terms, Lounge and Airport Services Terms, Membership and Rewards Terms, promotion or prize-draw rules, a Credit Guide, privacy and consent forms, insurance documents, supplier conditions, fare rules, booking confirmations and checkout disclosures.

If documents conflict, mandatory law prevails. The confirmed transaction or booking details and applicable regulated or supplier document prevail for that service, followed by service-specific Veloxverse terms and then this Agreement. A summary, advertisement or landing page does not override the complete terms. Credit Guides, insurer-issued disclosure documents and supplier conditions remain separate where required.

You must have legal capacity to enter this Agreement and meet the age, identity, residency, payment and product requirements for the selected service. Some services are restricted to adults or require a parent, guardian, authorised traveller, cardholder, account holder, driver or business representative.

If you act for another person, you confirm that you have authority to provide their information, make instructions and accept applicable terms on their behalf. You must provide proof of authority when requested and ensure that each traveller, recipient or beneficiary receives the relevant documents and conditions.

You must provide complete, current and accurate information and keep it updated. You are responsible for your login credentials, devices and authenticated account activity. Do not share passwords, card security codes or one-time verification codes. Notify Veloxverse immediately if you suspect unauthorised access, identity theft, fraud or an incorrect transaction.

Veloxverse may use multi-factor authentication, device checks, electronic verification, security questions or additional review. We may restrict access while investigating security or compliance concerns. You must not create duplicate or false accounts, impersonate another person or use another person’s payment method without authority.

You agree that disclosures, confirmations, notices, invoices, tickets, vouchers, statements and other records may be provided electronically to the contact details associated with your account. Electronic acceptance, including a checkbox, payment authorisation or authenticated instruction, may be recorded with the date, time, version, device and transaction information.

You must monitor your email, telephone and account notifications and keep contact details current. Operational and legally required messages are not marketing messages. Marketing communications will be managed according to applicable consent and unsubscribe requirements.

You must use the platform lawfully, provide accurate instructions, review transaction and booking details before confirmation, comply with provider rules, and cooperate with reasonable verification and fraud-prevention requests.

You must not use Veloxverse for fraud, scams, money laundering, sanctions evasion, illegal gambling, harassment, prohibited goods or services, unauthorised resale, false applications, manipulated referrals, misuse of benefits, automated scraping, malware, security interference, intellectual-property infringement or any unlawful activity. You must not split transactions or create accounts to avoid limits, screening or eligibility rules.

Veloxverse may act as principal, agent, booking intermediary, affiliate, introducer, referral partner or technology facilitator depending on the service. The role will be stated or reasonably apparent from the transaction journey, confirmation or provider documents.

Independent providers control their own eligibility, inventory, availability, operating rules, fulfilment, service quality, cancellations, refunds and complaints. Veloxverse may transmit information, collect payment, issue confirmations and assist with enquiries without becoming the underlying provider. Veloxverse remains responsible for obligations imposed directly on Veloxverse by law.

Veloxverse may receive commissions, referral fees, affiliate payments, service fees, mark-ups or other benefits from providers. Material fees or remuneration will be disclosed where required. Provider names and commercial arrangements may change without changing the nature of these terms.

Prices, fees, fares, exchange rates, discounts, points and availability may change until the customer confirms the transaction or booking. Before payment, Veloxverse will display the price and mandatory charges then known and collected by Veloxverse. Some local, property, airport, road, telecommunications, banking or government charges may be payable directly to a provider or authority.

Where currency conversion occurs, the displayed rate may include a margin and may differ from wholesale, interbank or card-network rates. Card issuers and banks may apply their own exchange rates, international transaction fees or other charges. Refund amounts may differ from the original converted amount because of exchange-rate movement or third-party charges.

Available payment methods will be shown at checkout and may include PayID, direct bank deposit, debit card, credit card or another approved method depending on the service. Travel and airport-experience bookings may be limited to eligible cards. The payer must be authorised to use the selected account or card and must ensure sufficient funds are available.

Payments may be processed by independent processors, acquiring institutions, banks and card networks. Payments may be subject to authentication, fraud screening, settlement, limits and provider rules. A payment authorisation or pending charge does not guarantee that the related booking, application or transaction has been accepted or confirmed.

Any fee or surcharge collected by Veloxverse will be displayed before payment where required. If payment is declined, reversed, dishonoured or charged back, Veloxverse may suspend fulfilment, cancel the related service or recover a valid amount already paid to a provider, to the extent permitted by law.

Money transfers are subject to the Veloxverse Remittance Terms, customer identification, KYC, AML/CTF, sanctions screening, transaction monitoring, fraud controls, source-of-funds requests, limits and destination restrictions. Veloxverse may delay, hold, review, reject, suspend or cancel a transaction where reasonably required by law, sanctions, security, risk or provider requirements.

Before confirmation, Veloxverse will display the exchange rate, transfer fee, total amount payable and estimated recipient amount. Delivery times are estimates and may depend on verification, funding, cut-off times, banks, payout providers and local networks. The customer is responsible for correct recipient information. Recovery after payout to incorrect details may be impossible.

VeloxCredit provides credit assistance and is not the lender or credit provider. Applications are submitted to participating lenders and remain subject to lender eligibility, verification, responsible-lending obligations, credit assessment and final approval. An enquiry does not guarantee approval, an amount, rate, repayment, lender or settlement time.

Customers must review the applicable Credit Guide, privacy and consent materials, quote or proposal, assessment information and lender documents. VeloxCredit may receive commissions or referral remuneration as disclosed in required documents. This Agreement does not replace any regulated credit disclosure.

Veloxverse may arrange flights through accredited travel channels, airline arrangements, ticketing providers and other authorised sources. The airline supplies carriage under its conditions of carriage and fare rules. A request or card authorisation is not confirmed until a valid ticket or confirmation is issued.

Customers must verify passenger names, dates, routes, airports, terminals, baggage, fare restrictions and contact details. Airlines may change schedules, aircraft, seats or routes. Change, cancellation, no-show, missed-connection and refund rights depend on the fare, airline policy, reason for disruption and applicable law. Separate tickets may not provide protected connections.

Flights, hotels, holiday packages, activities or related products may be displayed, booked or redirected through independent travel platforms, wholesalers, affiliates or suppliers. The identified provider is responsible for the underlying service, inventory and provider-controlled refund decision unless Veloxverse expressly states otherwise.

If a customer is redirected to another provider’s website or app, that provider’s checkout, privacy policy, payment terms and contract will apply. Veloxverse may receive a referral commission but does not guarantee availability, quality, price or provider performance beyond obligations imposed by law.

Accommodation and package bookings are subject to the supplier’s room, occupancy, deposit, local tax, check-in, cancellation, no-show and property rules. Ratings and images may use local or supplier standards and are illustrative unless expressly confirmed. Special requests are not guaranteed.

A package may combine services supplied by different providers. Each component may have separate conditions and cancellation outcomes. Customers must check what is included, whether components are linked, and who is responsible for each component before purchase.

Vehicle rental is supplied by the identified rental company under its rental agreement and local law. The principal driver must satisfy age, licence, identification, card and deposit requirements. The booked vehicle usually represents a category rather than a guaranteed make or model.

The rental provider controls security deposits, insurance, excess, fuel, mileage, toll, border, additional-driver, damage and return rules. Drivers are responsible for compliance with traffic laws, fines and obligations accepted at pickup.

Lounge access is provided by participating lounge operators. Entry requires a valid confirmation, pass, eligible traveller and compliance with terminal, flight, guest, age, dress and conduct rules. Access, operating hours, food, facilities and length of stay remain subject to capacity, local restrictions and operator discretion.

A pass does not guarantee entry where the lounge is closed, full, inaccessible from the traveller’s terminal or restricted by airport or security requirements. The customer must check terminal compatibility and access conditions before purchase and travel.

Dining benefits or vouchers are accepted only at participating outlets and are subject to value, menu, terminal, opening-hour, guest, redemption and expiry conditions. They are not cash and unused value may be forfeited unless the applicable offer states otherwise. Additional spending is payable by the customer.

Outlet participation and availability may change. Veloxverse does not control food preparation, allergens, dietary suitability or outlet operations. Customers must raise allergy and dietary requirements directly with the outlet.

Fast-track services provide access to a designated priority lane where available. They do not guarantee a specific waiting time, flight boarding, immigration clearance, security approval or exemption from normal checks. Airport, security, immigration, customs and government authorities retain full control.

The traveller must select the correct airport, terminal, direction, date and time and arrive within the permitted window. Eligibility, age, document and operating restrictions may apply.

Fitness or wellness access is provided by participating facilities and is subject to location, opening hours, capacity, age, health, clothing, equipment and conduct rules. The customer is responsible for deciding whether participation is appropriate and for following safety instructions.

Veloxverse does not provide medical advice and does not guarantee the availability of particular equipment, showers, classes or facilities. Mandatory rights concerning unsafe or defective services remain unaffected.

The checkout may offer different pass types. A standard pass may be non-refundable after issue except where required by law or where the provider cannot supply the service. A flexible option may permit cancellation and refund on the conditions, deadline and additional fee displayed before purchase.

A pass is valid only for the confirmed person, service, location and period unless transfer is expressly permitted. Used, expired, duplicated, altered, resold or fraudulently obtained passes may be rejected without refund, subject to mandatory consumer rights.

Meet and greet, arrival, departure, transit, escort, porter coordination, wheelchair coordination and related assistance may be supplied by independent airport-service providers. Booking requests are subject to provider confirmation, required lead time, accurate flight and passenger information, contact availability and airport permission.

Customers must follow meeting-point instructions and notify schedule changes. Waiting-time, late-arrival and no-show rules may apply. Veloxverse and providers cannot override airline, immigration, customs, security, health or government decisions. Special assistance must be requested early and is not confirmed until accepted.

Pickup, drop-off, airport transfer, chauffeur and ground-transport services are supplied by independent transport providers. Customers must provide accurate pickup, destination, passenger, baggage, flight and contact details. Vehicle type, driver, route and timing may change for operational reasons.

Waiting time, extra stops, tolls, parking, child seats, oversized baggage, late changes, no-shows and cleaning or damage charges may be subject to provider rules and disclosed charges. Travel times are estimates and may be affected by traffic, weather, road closures, flight changes and events outside reasonable control.

Luggage storage is supplied by participating storage locations or storage-platform providers. Customers must comply with location, identification, opening-hour, size, weight, security, collection and prohibited-item rules. Storage locations may refuse unsafe, illegal, valuable, perishable or unsuitable items.

Customers should not store passports, essential medication, cash, jewellery, irreplaceable documents or other high-value items unless expressly accepted and insured by the provider. Liability, claim limits and reporting deadlines are governed by the provider terms and applicable law.

eSIM, mobile recharge, virtual-number and related connectivity services may be provided by independent telecommunications and technology providers. Coverage, speed, supported destinations, device compatibility, data allowance, activation, number availability and functionality vary by provider, device and location.

Customers must check compatibility and enter correct account or mobile information before purchase. Successfully delivered recharge or activated digital products may not be refundable unless faulty or required by law. Emergency calling may be unavailable through data-only or internet-based services.

Veloxverse may act as an affiliate or referral partner for selected insurers or authorised distributors and may receive a referral commission. Unless expressly authorised and disclosed otherwise, Veloxverse does not issue, underwrite or approve insurance, determine premiums or coverage, or assess claims.

Customers must review the provider’s Product Disclosure Statement, Target Market Determination, Financial Services Guide, policy wording, exclusions, limits and eligibility requirements. General information does not consider personal objectives, financial situation or needs. The insurer or authorised provider controls policy issuance and claims.

Veloxverse may provide referral links or codes for savings accounts, non-resident accounts, deposits or other banking products offered by participating financial institutions. Veloxverse does not issue, approve, operate or guarantee the account, product, interest rate, return or currency outcome.

The financial institution controls KYC, eligibility, approval, fees, rates, operation, maturity, withdrawal and product complaints. Customers must review the bank’s terms and disclosures. A referral reward is subject to the applicable campaign rules and does not guarantee approval.

Membership tiers, prices, duration, waiting periods, benefits, limits, eligible family members, transferability, renewal and cancellation rules are stated in the VeloxClub Membership and Rewards Terms and the plan information shown before purchase. Benefits are subject to availability, booking requirements, partner rules and the customer maintaining an eligible active membership.

If auto-renewal is offered, the price, billing frequency and cancellation method will be disclosed and required consent obtained. Cancellation normally prevents future renewal and does not retrospectively refund an already-used period, subject to the plan terms and mandatory rights. Veloxverse will provide notice of material adverse changes where required.

Points may be earned on eligible transactions under the points schedule and promotional rules. Points are promotional benefits, are not money or a bank deposit, do not earn interest and cannot be redeemed for cash. Unless stated otherwise, points cannot be used for remittance, credit products, bank-account opening or deposit products.

Points may be redeemed only on eligible products through the available checkout process and may be used for membership renewal where offered. Points transfers require an eligible active recipient, written request, approval and the stated processing time. Promotional and regular points do not combine where campaign rules state that only the higher award applies.

Veloxverse may correct points added through error, reversal, refund, duplicate activity, abuse or fraud after reasonable review. Accrued points will not be removed arbitrarily, and mandatory consumer rights remain unaffected.

A promotion, referral code or coupon is governed by its specific eligibility, territory, entry, discount, usage, expiry and exclusion rules. Codes have no cash value, cannot be sold or duplicated and may be limited to one customer, account, transaction or household.

Veloxverse may refuse or reverse a benefit affected by cancellation, refund, duplicate accounts, self-referral, manipulation, technical error, misleading conduct or ineligibility. If a promotional statement conflicts with the published campaign terms, the campaign terms apply, subject to law.

A prize draw or promotional competition will have separate official rules identifying eligibility, qualifying purchases, entry period, draw method, prizes, winner verification, publication, claiming, redraws, permits and any geographic restrictions. Entry constitutes acceptance of those rules.

Purchases or transactions count as entries only where the official rules expressly say so. Cancelled, refunded, reversed, fraudulent or ineligible transactions may be excluded. Veloxverse will conduct draws and award prizes according to the official rules and applicable trade-promotion laws. This Agreement does not replace campaign-specific rules or permits.

Cancellation and refund rights depend on the service, supplier terms, transaction stage, reason for cancellation and applicable law. Requests must be made promptly through the stated channel. A request is not effective until acknowledged or confirmed. Some tickets, passes, digital products, promotional purchases and supplier rates may be non-refundable where clearly disclosed and legally permitted.

Where a refund is approved, Veloxverse may need supplier confirmation, returned provider funds, identity checks and complete payment information. Once eligibility and required funds are confirmed, Veloxverse will generally execute the refund within 7 to 48 business days. Banks, card issuers and payment providers may require additional time to display the credit. Any shorter period or remedy required by law continues to apply.

Refunds are normally returned to the original payment method. Supplier charges, disclosed service fees and FX differences may affect the amount where permitted. Veloxverse will not deduct an amount that law requires to be refunded.

Customers should contact Veloxverse first so the issue can be investigated. A chargeback does not itself create a cancellation or refund right and may be contested where a valid service was provided, a customer accepted non-refundable conditions, or a refund is already processing. Nothing prevents a customer from exercising a lawful payment-dispute right.

Customer-service enquiries, feedback and suggestions should be sent to support@veloxverse.com. Complaints should be sent to complaints@veloxverse.com. Include the customer name, contact details, booking or transaction reference, issue, supporting information and requested outcome.

Complaints will be handled under the Veloxverse Complaint Handling and Dispute Resolution Policy. External escalation depends on the service, provider and jurisdiction. Eligible Australian credit complaints may be referred to AFCA. Eligible telecommunications complaints may be referred to the relevant provider and, where applicable, the Telecommunications Industry Ombudsman. Privacy complaints may be referred to the appropriate privacy regulator.

Feedback and suggestions may be used to improve Veloxverse services without payment or confidentiality obligation, provided Veloxverse does not claim ownership of pre-existing intellectual property submitted by the customer.

By accepting this Agreement, you acknowledge that you have been given access to the Veloxverse Privacy Policy and Cookie Policy and understand that they apply to your use of the website, app and services. The Privacy Policy explains how Veloxverse collects, uses, stores, protects and discloses personal information. The Cookie Policy explains the cookies, analytics tools and similar technologies used through Veloxverse digital services.

Personal information is handled under the Veloxverse Privacy Policy and collection notices. To provide services, Veloxverse may share relevant information with identity-verification providers, customer-service providers, payment processors, banks, payout providers, lenders, credit reporting participants, airlines, hotels, travel and airport providers, insurers, telecommunications providers, storage providers, agents, affiliates, professional advisers and competent authorities.

Information may be stored, processed or accessed outside the customer’s country, including countries relevant to the requested service or provider operations. Where consent is required as the legal basis, it will be requested through the appropriate notice or journey. Accepting this Agreement does not replace a separate consent required by law.

Strictly necessary cookies may operate because they are required for security, account access, payments, booking functions, fraud prevention and core platform operation. Where applicable law requires consent for analytics, personalisation or advertising cookies, those cookies will be controlled through the available cookie settings and will not be authorised merely by accepting this Agreement. Marketing consent will also be requested separately where required.

Veloxverse and its licensors retain rights in the platform, software, content, branding, databases and designs. Veloxverse grants customers a limited, personal, non-exclusive, non-transferable and revocable right to use the platform for its intended purpose. Customers must not copy, scrape, reverse engineer, resell, interfere with or create derivative works except where law permits or written approval is given.

Veloxverse aims to provide reliable access but does not guarantee uninterrupted, secure or error-free operation. Maintenance, provider outages, cyber incidents, network failures, pricing feeds and events outside reasonable control may affect availability. Veloxverse may correct an obvious system, pricing or content error and offer correction, an alternative or refund, subject to applicable law.

A customer may stop using the platform and request account closure, subject to unresolved transactions, bookings, investigations, amounts owed and legal record-retention duties. Veloxverse may restrict or suspend access where reasonably necessary for security, fraud prevention, non-payment, material breach, abusive conduct, sanctions, legal compliance, provider direction or protection of customers and the platform.

Where permitted and appropriate, Veloxverse will explain the restriction or provide a review pathway. Closure does not remove completed obligations, lawful investigations, refund rights, amounts validly owed or record-retention duties.

Veloxverse may add, change or discontinue services and update this Agreement for legal, provider, security, technology or operational reasons. The updated date will be published. Material adverse changes will be notified where required and will not retrospectively remove accrued rights or alter a confirmed transaction unless the applicable terms or law permit.

Veloxverse or a provider may be affected by weather, natural events, conflict, strikes, public-health events, government action, border restrictions, airport closure, network failure, cyber incident, banking outage, supplier failure or another event outside reasonable control. Veloxverse will take reasonable steps to reduce disruption and provide remedies required by law, but cannot guarantee a particular provider response.

Nothing in this Agreement excludes, restricts or modifies a consumer guarantee, statutory right or remedy that cannot lawfully be excluded. Australian consumers retain applicable rights under the Australian Consumer Law. New Zealand customers may retain rights under the Consumer Guarantees Act 1993, Fair Trading Act 1986 and other applicable legislation. Customers elsewhere retain mandatory protections applicable in their location where those protections cannot lawfully be displaced.

To the maximum extent permitted by law, Veloxverse is not liable for indirect or consequential loss that was not reasonably foreseeable, or loss caused by inaccurate customer instructions, unlawful use, customer no-show, failure to meet travel-document requirements, or an independent provider event outside Veloxverse’s reasonable control. This does not exclude liability for Veloxverse’s negligence, fraud, wilful misconduct or breach of a non-excludable obligation.

Where law permits a remedy to be limited, Veloxverse’s liability may be limited to resupplying the relevant service or paying the reasonable cost of resupply. Any limitation applies only to the extent lawful and appropriate to the circumstances.

To the extent permitted by law, a customer is responsible for direct loss reasonably suffered by Veloxverse because of the customer’s fraud, wilful misconduct, unlawful use or material breach. The customer is not responsible to the extent the loss was caused or increased by Veloxverse or an independent provider. This clause does not impose liability that would be unfair or unlawful.

For services contracted with Veloxverse Pty Ltd in Australia, this Agreement is governed by the laws of Victoria, Australia, and the parties submit to courts with jurisdiction there. For services contracted through the New Zealand business, New Zealand law applies. Mandatory consumer, financial, aviation, telecommunications, privacy and promotion laws in the customer’s location continue to apply where they cannot lawfully be excluded.

If a provision is invalid or unenforceable, it will be read down or severed to the minimum extent necessary without affecting the remainder. Delay in exercising a right is not a waiver. A customer may not transfer this Agreement or an account without consent. Veloxverse may transfer its rights and obligations as part of a genuine restructuring or service transfer if customer rights are not materially reduced and required notice is provided.

This Agreement, together with incorporated service, supplier and transaction documents, forms the agreement for the relevant service. Headings are for navigation and do not limit interpretation.

Customer service, feedback and suggestions: support@veloxverse.com | Complaints: complaints@veloxverse.com | Privacy enquiries: privacy@veloxverse.com

Compliance and legal enquiries: complaince@veloxverse.com | Customer service telephone: 1300 618 382 | Website: www.veloxverse.com

Do not send passwords, one-time verification codes, complete card numbers or card security codes by email.