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Acceptable Use Policy

Last updated: December 2019

Acceptable Use Policy

This acceptable use policy sets out the terms under which you may access our Services. It applies as soon as you access and/or use our Services. Check the Customer Agreement or Payment and FX Terms for the meaning of defined words (those with capital letters).

  1. What you cannot do

    You may use our Services only for lawful purposes. You may not use our Services:

    • in any way that breaches any applicable local, national or international law or regulation or causes Airwallex to breach any applicable law or regulation;

    • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
    • for the purpose of harming or attempting to harm minors in any way;
    • for anything that is abusive or does not comply with our content standards;
    • for any unsolicited or unauthorised advertising or promotional material or any other form of spam;
    • to deal in harmful programs like viruses or spyware or similar computer code designed to adversely affect the operation of any computer software or hardware; or
    • in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.

    We do not provide our Services to businesses or support transactions which involve:

    • all sanctioned countries prohibited both directly and indirectly;
    • unlicensed export and trade of Iraqi Cultural Property;
    • tobacco & e-cigarette products;
    • marijuana, CBD Oil, and any drug-related paraphernalia;
    • products or services which promote or encourage discrimination, including discrimination on the basis of race, sex, religion, nationality, disability, sexual orientation or age;
    • the sale or distribution of any product or service that requires a government license, where the customer lacks such a license;
    • multi-level marketing businesses;
    • goods or services which violate the intellectual property rights of a third party;
    • telemarketing;
    • facilitation, sale or distribution of chemicals;
    • facilitation, sale or distribution of prescription medications;
    • unlicensed export or re-export of US origin goods, services or technology;
    • import or export of specified ‘dual use goods’ listed on the defence and strategic goods list;
    • casino’s, lotteries, online gambling or any action which involves a stake of an asset with a view to winning a prize/reward;
    • cryptocurrencies;
    • tradeable and/or redeemable virtual currencies;
    • adult entertainment and services, including pornography, dating, escort services and sale and/or advertising of sexual services;
    • arms and weapons manufacturers and suppliers;
    • money service businesses, finance or exchange houses;
    • pay-day or consumer lending businesses;
    • FX speculation;
    • precious metals and stones, including conflict minerals such as gold, Cassiterite, Columbite-tantalite, Wolframite, or conflict diamonds;
    • private-to-private money remittance involving cash;
    • other businesses or transactions outside of our risk appetite in accordance with our internal policies, our banking partners’ policies or the policies of participants in our payment network.

    We do not provide our Services to the following categories of entities:

    • charities including unregistered charities;
    • trusts (unless they are established in Canada, EEA, Switzerland, Australia, New Zealand or the United States);
    • bearer shares or entities having bearer share company in their ownership chain;
    • money service businesses or any business that carries on the activity of:
    • operating a bureau de change or currency exchange service;
    • transmitting money, or any representation of monetary value, by any means;
    • cashing cheques which are made payable to customers; or
    • private-to-private money remittance involving cash;
    • banks that do not have a physical presence in any country (ie, “shell banks”);
    • other categories outside of our risk appetite in accordance with our internal policies, our banking partners’ policies or the policies of participants in our payment network.

    You also agree:

    • not to copy or use any part of our Services in contravention of the provisions of our Client Agreement; and
    • not to access without authority, interfere with, damage or disrupt:
    • any part of our Services;
    • any equipment or network on which our Website is stored;
    • any software used in the provision of our Services; or
    • any equipment or network or software owned or used by any third party.

    You may only use your Global Account number (as we provided to you) to receive funds for the following purposes:

    • receiving payouts from an approved e-commerce and marketplace platforms;
    • receiving payments from your clients and other third parties for the purpose of business payments;
    • receiving your own funds from other legitimate business sources.

    You may only fund payments from a bank account in your own name to the account number we provide to you in connection with the Payment Services

    You must not use our Services for the following purposes:

    • receiving payouts or withdrawals from electronic money platforms/services/providers;
    • receiving payouts from short term lenders;
    • unless we approve, conducting payouts or collecting funds on behalf of any other person or entity other than yourself, including any sister entities or parent company;
    • setting up direct debits on your Global Account;
    • conducting your business or using the Services in a manner that is likely to result in complaints, disputes, reversals, chargebacks or other liability to Airwallex, other customers of Airwallex, third parties or you.

    Content standards These content standards apply to any material you contribute to our Services. These contributions must:

    • be accurate;
    • be genuinely held (where they state opinions); and
    • comply with applicable law in the Australia and in any country from which they are posted or to which they relate.

    These contributions must not:

    • contain any material which is defamatory;
    • contain any material which is obscene, offensive, hateful or inflammatory;
    • promote sexually explicit material;
    • promote violence;
    • promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
    • infringe any copyright, database right or trademark of any other person;
    • be likely to deceive any person;
    • be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
    • promote any illegal activity;
    • be threatening in any way, abusive or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;
    • be likely to harass, upset, embarrass, alarm or annoy any other person;
    • be used to impersonate any person, or to misrepresent your identity or affiliation with any person;
    • give the impression that they relate to us, if this is not the case; or
    • advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
  2. The Services we offer relate to a range of Supported Currencies. The Supported Currencies may differ depending on the Service. We have set out an indication of the different Supported Currencies for the relevant Service or feature of the Service below. The Supported Currencies may change from time to time as we add additional capability or are required to remove or change existing capabilities.

    Payment Currencies. We set out in our Payout Guide details of how you can make payments to supported jurisdictions and in what currencies. These include the following currencies:

    Major CurrencyExotic Currency
    AUDIDR
    SGDPHP
    HKDINR
    GBPMYR
    USDVND
    CHFLKR
    EURBDT
    JPYNPR
    CADTRY
    NZDPKR
    CNYTHB
    KRW

    Collection Currencies (Global Account). We support collection of funds through approved Global Accounts as follows:

    Collection CurrencyAccount Domicile
    EURGermany (EU)
    GBPGermany (EU)
    USDUnited States of America

    Funding Currencies. We allow you to pay funds to the Wallet in the following currencies: AUD, NZD, USD, EUR, HKD, CNY, GBP, JPY, SGD, CAD, CHF.

    Wallet Currencies. We allow you to hold the following currencies in the Wallet: AUD, NZD, USD, EUR, HKD, CNY, GBP, JPY, SGD, CAD, THB, CHF and KRW.

    Card Currencies. If you are approved to request and use Cards, certain currencies will be permitted for Card payments. If the transaction is in the transaction currency then the funds will be deducted from the balance held in the billing currency specified in the table below.

    Transaction CurrencyBilling Currency
    AUDAUD
    SGDSGD
    HKDHKD
    GBPGBP
    USDUSD
    THBTHB
    CHFCHF
    EUREUR
    JPYJPY
    CADCAD
    NZDNZD
    All other supported currenciesAUD (Base Currency)

    Other restrictions. We may place other restrictions on the currencies you may convert from one currency into another currency. Please contact us if you would like further details on these restrictions.

    Transaction limits

    Unless you have received approval for a higher limit, you can only make a transaction involving a foreign currency conversion where your open positions or unsettled transactions do not exceed USD100,000 (or its equivalent) at the time of requesting the transaction with us. If you structure multiple transactions to exceed this amount, we may block those transactions.

    We may review our internal credit risk policies from time to time and adjust our transaction limits in line with those policies. If we lower the transaction limit, we will give you reasonable notice of such change.

    Suspension and termination

    We alone will determine whether there has been a breach of this acceptable use policy through your use of our Services.

    We take breach of this policy seriously and may take the following actions:

    • immediate, temporary or permanent withdrawal of your right to use our Services;
    • suspend or cancel your payment orders and take such other actions as we consider necessary;
    • immediate, temporary or permanent removal of any posting or material uploaded by you;
    • issue of a warning;
    • legal action against you including proceedings for reimbursement of all costs on an “all expenses” basis; and/or
    • reporting and disclosure of information to law enforcement authorities; and
    • anything permitted in your agreement with us.

    Other policies

    This policy does not limit any of our rights in our agreements with you or the implementation of our risk appetite in accordance with our internal policies, our banking partners’ policies or the policies of participants in our payment network

    Changes to the acceptable use policy

    We may revise this acceptable use policy at any time by amending this page. You will want to check it regularly as it is legally binding on you.

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