Terms of Use

Last Updated: January 2024

1. Acceptance of Terms

By accessing and using the brave-sprout website and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

2. Description of Services

brave-sprout provides prepaid travel card services, including multi-currency cards, mobile applications, and related financial services. Our services are designed to facilitate international payments and currency conversion for travellers.

3. Eligibility

To use our services, you must:

• Be at least 16 years of age (or 18 for certain products)
• Be an Australian resident
• Provide accurate and complete information during registration
• Complete identity verification as required by law

4. Account Registration

When you register for an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Keep your login credentials confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorised use

5. Fees and Charges

Our fee structure is published on our website and in our Product Disclosure Statement. Fees may include:

• Card issuance fees
• Currency conversion fees
• ATM withdrawal fees
• Card replacement fees
• Annual or monthly subscription fees (where applicable)

We reserve the right to modify our fees with reasonable notice to customers.

6. Use of Services

You agree to use our services only for lawful purposes and in accordance with these terms. You must not:

• Use our services for illegal activities
• Attempt to circumvent security measures
• Interfere with or disrupt our services
• Use our services for money laundering or terrorist financing
• Share your account credentials with others
• Create multiple accounts without authorisation

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of brave-sprout or our licensors and is protected by Australian and international intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Limitation of Liability

To the maximum extent permitted by law, brave-sprout shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Service interruptions or delays
• Actions of third parties, including merchants or payment networks

Our total liability shall not exceed the fees paid by you in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless brave-sprout, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

10. Termination

We may suspend or terminate your account at any time for violation of these terms or for any other reason at our discretion. Upon termination, you must cease all use of our services and any remaining balance will be refunded in accordance with our refund policy.

11. Governing Law

These terms are governed by the laws of Victoria, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Victoria.

12. Changes to Terms

We may update these terms from time to time. We will notify you of significant changes via email or through our website. Your continued use of our services after changes constitutes acceptance of the updated terms.

13. Contact Information

For questions about these Terms of Use, please contact us:

Email: [email protected]
Address: Level 12, 100 Collins Street, Melbourne VIC 3000, Australia