Hana Remit Terms and Conditions

Welcome to Hana Remit! We provide a web and mobile application platform where you can deposit Australian Dollars, convert them into Australian Digital Dollar stablecoin (AUDD) and sent money overseas (Hana Remit).

In these Terms, when we say you or your, we mean both you and any entity you are authorised to represent (such as your employer). When we say we, us, or our, we mean Hana Remit (ACN 655 463 433).

These Terms form our contract with you, and set out our obligations as a service provider and your obligations as a customer. You cannot use our Services unless you agree to these Terms.

Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms.

For questions about these Terms, or to get in touch with us, please email: team@hanawallet.io

These Terms were last updated on 4 September 2026.

Engagement and Term

1. These Terms apply from when you sign up for a Wallet, until the date on which your Wallet is closed in accordance with these Terms. We grant you a right to use our Services for this period of time only (which may be suspended or revoked in accordance with these Terms).
2. You must be at least 18 years old and an Australian citizen or resident to use Hana Remit.
3. You must successfully complete our identity verification process (see clause 4) before you can deposit funds or send a remittance using Hana Remit.
4. Variations:We may amend these Terms at any time, by providing written notice to you. By clicking “I accept” or continuing to use your Wallet after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you may close your Wallet with effect from the date of the change in these Terms by providing written notice to us. If you close your Wallet, you will no longer be able to access our Services (including Hana Remit) on and from the date of cancellation.

Our Services

1. We provide the following services to you:

   1. access to Hana Remit; and
   2. access to our troubleshooting support (Support Services),

   (collectively, our Services).

2. If you require Support Services, you may request these by getting in touch with us via team@hanawallet.io
3. Our Services do not constitute, and are not a substitute for, financial, legal or risk management advice.
4. We will not be responsible for any other services unless expressly set out on in these Terms or on Hana Remit.

Third Party Services

1. We provide you with access to Hana Remit (including the Wallet), the Support Services, and access to independent third party service providers that we engage to provide parts of our services, including AUDD Digital, which issues the AUDD stores and operates your Hana Remit account used to receive deposits (Third Party Inputs). You acknowledge and agree that these third parties are independent of us, and you are responsible for (meaning we will not be liable for) the goods or services they provide.
2. Where you engage third parties to operate alongside our Services (for example, any third-party software systems you wish to integrate with Hana Remit), those third parties are independent of us and you are responsible for (meaning we will not be liable for) the goods or services they provide, unless we expressly agree otherwise under these Terms.
3. You acknowledge and agree that, unless we have expressly agreed to provide the services described in clause 3.1 on the Platform you agree to comply with terms and conditions applicable to the relevant Third Party Inputs at all times.
4. We do not make any warranty or representation in respect of any Third Party Inputs.
5. You acknowledge and agree that we shall have no liability to you for any scheduled or emergency maintenance performed by Third Party Inputs on their respective systems, services, or platforms that may cause any Third-Party Inputs to be unavailable.
6. To the maximum extent permitted by law, we will not be liable for, and you waive and release us from and against, any Liability caused or contributed to by, arising from or connected with any Third Party Inputs.

7. Should any unavailability, error or change to a Third-Party Input have a substantial and adverse impact on your use and enjoyment of the Services:

   1. you agree to notify us in writing within 5 business days of the change coming into effect; and
   2. following receipt of such notice by us, the Parties will use all reasonable endeavours to work together to resolve the matter.
8. This clause 3 will survive the termination or expiry of this Agreement.

Wallet, Identity Verification and Security

1. You must create an account (Wallet) to use Hana Remit. When you create a Wallet, you will be asked to provide your personal information so that we can verify your identity for the purpose of complying with AML/CTF Laws (ID Verification). For this purpose, your personal information will be shared with AUDD Digital, and may be shared by AUDD Digital with third party identity verification services. You will only be issued a Hana Remit account if you pass the ID Verification process. We may also request additional information during this process.
2. You acknowledge and agree that you are solely responsible for the security and retention of your Wallet details and it is your responsibility to keep your Details secure and confidential.
3. While you have a Wallet with us, you agree to notify us if you become aware of, or have reason to suspect, any unauthorised access to your Wallet or any logins linked to your Wallet.
4. We may suspend your access to our Services where we reasonably believe there has been any unauthorised access to or use of our Services (such as the unauthorised sharing of access details for Hana Remit). If we suspend your access to our Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may close your Wallet and your access to our Services will end.

Sending money

1. Hana Remit allows you to send a remittance from your Wallet to a person or entity you nominate (Recipient) located overseas. We may add or remove supported destination countries, currencies and payout methods (which may include bank transfer, e-wallet transfer, or cash pickup) at any time, and will notify you of any change before it takes effect.
2. To send a remittance, you must provide us with accurate details of your Recipient, including their name and the account, e-wallet or pickup details to which the funds are to be sent. You must ensure you have your Recipient's consent to provide us with their information.
3. Before you confirm a remittance, we will show you the amount you are sending, the exchange rate that applies, any fees payable, and the estimated amount your Recipient will receive (Remittance Details). Exchange rates are variable and may change between the time we show you the Remittance Details and the time we process your remittance.

4. Once you confirm a remittance, we will act on your instructions to convert and transfer the corresponding amount to your Recipient using the payout method you have selected. You acknowledge and agree that:

   1. we facilitate your remittance through arrangements with AUDD Digital and third-party payout networks overseas, and we do not control, and are not responsible for, delays, errors or failures caused by those third parties;
   2. we are not able to reverse a remittance once it has been sent to your Recipient's payout network; and
   3. if you provide us with incorrect Recipient details, your remittance may be sent to the wrong person, delayed, or unable to be recovered, and to the maximum extent permitted by law we will not be liable for any resulting loss.
5. If a remittance cannot be completed for any reason (for example, because your Recipient's details cannot be verified, or a payout network declines the transaction), we will notify you and, where possible, return the relevant funds to your Wallet, less any fees already incurred.

6. We may refuse to process, or may delay, a remittance if:

   1. we reasonably believe it may involve fraud, money laundering, terrorism financing or any other illegal activity;
   2. completing it would breach any law or sanctions regime, or any obligation we owe to a regulator (including under the AML/CTF Laws); or
   3. we need to complete further verification of you, your Wallet, or your Recipient before we can proceed.
7. You cannot cancel a remittance once you have confirmed it and we have begun processing it.

AUDC and Digital Assets

1. Australian dollars you deposit into your Wallet are converted into, and held by you as, AUDC - an Australian dollar-backed stablecoin issued by AUDD Digital. Each AUDC is backed by, and redeemable for, Australian dollars held by AUDD Digital.

2. You do not need any prior knowledge of blockchain technology or cryptocurrency to use Hana Remit, and unlike a self-custodied cryptocurrency wallet:

   1. you are not required to create, manage or keep safe any private key or seed phrase;
   2. your AUDC balance is held on your behalf via a virtual account established with AUDD Digital, rather than directly by you on the underlying blockchain; and
   3. when you deposit funds into your Wallet, withdraw funds from your Wallet, or send a remittance, the relevant amount of AUDC is created, redeemed or transferred on the underlying blockchain network by AUDD Digital to reflect that transaction.

3. You acknowledge and agree that:

   1. our ability to provide the Services, including honouring deposits, withdrawals and remittances, depends on the availability, solvency and proper functioning of AUDD Digital and the underlying blockchain network; and
   2. to the maximum extent permitted by law, we are not liable for any Liability caused or contributed to by, arising from or in connection with any failure, insolvency, error or delay of the Stablecoin Issuer or the underlying blockchain network.
4. Your Wallet balance must not exceed AU$1,000 at any time. We may decline, delay or reverse a deposit, setup technological controls, and take other reasonable steps to ensure this limit not exceeded.

Transaction Fees

1. There may be transaction fees associated with virtual currency and traditional currency transactions that are facilitated on Hana Remit. You are responsible for paying all transaction fees on Hana Remit. In the event that we pay any transaction fees on your behalf, you agree that you will repay us the transaction fees as a debt due and immediately payable. From time to time, we may be able to secure refunds of applicable virtual currency fees (i.e., network gas fees) for you by acquiring and/or disposing of a corresponding digital asset (i.e., a gas token). We provide this service in our sole discretion as an operational feature of Hana Remit, and do not acquire such digital assets using your funds, on your behalf or at your direction.

Licence

1. While you have a Wallet, we grant you a right to use Hana Remit (which may be suspended or revoked in accordance with these Terms). This right cannot be passed on or transferred to any other person.

2. You must not:

   1. access or use Hana Remit in any way that is improper or breaches any laws, infringes any person's rights (for example, intellectual property rights and privacy rights), or gives rise to any civil or criminal liability;
   2. interfere with or interrupt the supply of Hana Remit, or any other person’s access to or use of Hana Remit;
   3. introduce any viruses or other malicious software code into Hana Remit;
   4. use any unauthorised or modified version of Hana Remit, including but not limited to for the purpose of building similar or competitive software or for the purpose of obtaining unauthorised access to Hana Remit;
   5. attempt to access any data or server or system that you are not expressly authorised to access;
   6. use Hana Remit in any way that involves service bureau use, outsourcing, renting, reselling, sublicensing, concurrent use of a single user login, or time-sharing; or
   7. circumvent user authentication or security of any of our networks, accounts or hosts or those of any third party.

Referral Program

1. We may offer a referral program from time to time which allows you to refer people to sign up for Hana Remit (Referral Program). The current terms of the Referral Program, including reward amounts and qualifying conditions, will be set out on Hana Remit from time to time.
2. Referral rewards are only paid once the person you referred has passed ID Verification and, where applicable, completed their first remittance, and are subject to our right to withhold or reclaim any reward paid in connection with fraudulent, duplicate or otherwise ineligible referrals.
3. We may amend, suspend or end the Referral Program, or change reward amounts or qualifying conditions, at any time by giving notice to you.

Availability, Disruption and Downtime

1. While we strive to always make our Services available to you, we do not make any promises that these will be available 100% of the time. Our Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.
2. Our Services (including Hana Remit) may interact with, or be reliant on, products or services provided by third parties. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.
3. We do not guarantee the availability or performance of AUDD Digital, Third Party Inputs, or other third party service providers your Recipient uses that you may remit money to. Delays or unavailability affecting these third parties may delay or prevent your deposit, withdrawal or remittance being processed.
4. We will try to provide you with reasonable notice, where possible, of any disruptions to your access to our Services.

Beta Services

1. For the purposes of this clause “Beta Services” means any services, software or functionality provided by us that are not generally available to customers and which are designated as beta, pilot, limited release, developer preview, non-production, evaluation, or by a similar description.
2. From time to time, we may invite you to try Beta Services at no additional cost. You may accept or decline any such trial at your sole discretion.

3. You acknowledge and agree that:

   1. any Beta Services are for evaluation purposes only and not for production use;
   2. we have no obligation to maintain, support, update, or provide error corrections for the Beta Services; and
   3. we may discontinue Beta Services at any time and are not obligated to make them generally available.

4. To the maximum extent permitted by law:

   1. we will not be liable for, and you waive and release us from and against, any Liability caused or contributed to by, arising from or connected with any Beta Services; and
   2. the Beta Services are provided “as is” without any warranty, and we expressly disclaim any warranties of merchantability or fitness for a particular purpose.
5. These Terms apply to your use of the Beta Services as if they were the Services. In the event of any inconsistency, this clause 11 takes precedence over the balance of these Terms in respect of your use of the Beta Services.

Intellectual Property and Data

1. We own all intellectual property rights in our Services (including Hana Remit). This includes how Hana Remit looks and functions, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission (for example, to reverse engineer or discover the source code of our intellectual property), and you must not alter or remove any confidentiality, copyright or other ownership notice placed on Hana Remit.
2. We may use any feedback or suggestions that you give us in any manner which we see fit (for example, to develop new features), and no benefit will be owed to you as a result of any use by us of your feedback or suggestions.

Confidential Information and Personal Information

1. While using our Services, you may share confidential information with us, and you may become aware of confidential information about us. You agree not to use our confidential information, and to take reasonable steps to protect our confidential information from being disclosed without our permission, and we agree to do the same for your confidential information. This also means making sure that any employees, contractors, professional advisors or agents of ours or yours only have access to confidential information on a ‘need-to-know basis’ (in other words, the disclosure is absolutely necessary), and that they also agree to not misuse or disclose such confidential information.
2. However, either you or we may share confidential information with legal or regulatory authorities if required by law to do so.
3. We collect, hold and disclose and use any Personal Information you provide to us in accordance with our privacy policy, available on our website, and applicable privacy laws.
4. You must only disclose Personal Information to us if you have the right to do so (such as having the individual’s express consent).
5. We may need to disclose Personal Information to third parties, such as our related companies or our service providers (for example, IT and administrative service providers and our professional advisors), including AUDD Digital and its third party ID Verification service providers as set out in clause 4.1
6. Where we are required by law to report on our activities, you acknowledge that from time to time we may request certain information from you in order to meet our requirements, and you agree to provide us with such information within the timeframes reasonably requested by us.

Consumer Law Rights

1. In some jurisdictions, you may have guarantees, rights or other remedies provided by law (Consumer Law Rights), and these Terms do not restrict your Consumer Law Rights. We will only be bound by your Consumer Law Rights and the express wording of these Terms. Our liability for a breach of your Consumer Law Rights is, unless the laws of your jurisdiction state otherwise, limited to either resupplying our Services, or paying the cost of having our Services resupplied.
2. If you accept these Terms in Australia, nothing in these Terms should be interpreted to exclude, restrict or modify the application of, or any rights or remedies you may have under, any part of the Australian Consumer Law (as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth)).

Liability

1. We make no guarantee or warranty regarding the success, results or outcomes derived from the use of Hana Remit. You acknowledge and agree that you utilise Hana Remit at your own risk and we will not be held responsible for any success, results or outcomes (or the lack thereof) pertaining to your use of Hana Remit.

2. To the maximum extent permitted by law, we will not be liable for, and you release us from liability for, any Liability caused or contributed to by, arising from or in connection with:

   1. your failure to back-up, or keep secure, your details;
   2. your computing environment (for example, your hardware, software, information technology and telecommunications services and systems);
   3. any use of our Services by a person or entity other than you;
   4. any act, omission, delay, error, insolvency or unavailability of AUDD Digital, the KYC verification platform, or any banking, e-wallet or cash pickup network used to deliver funds to your Recipient;
   5. you providing incorrect Recipient details (including account, e-wallet or pickup details), or your Recipient not receiving, or being delayed in receiving, funds as a result; or
   6. our compliance with AML/CTF Laws, including any delay, refusal or reversal of a deposit, withdrawal or remittance as a result of AML/CTF screening or a request from AUSTRAC or another regulator.

3. Regardless of whatever else is stated in these Terms, to the maximum extent permitted by law:

   1. neither we or you are liable for any Consequential Loss;
   2. a party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the actions (or inactions) of the other party, including any failure by the other party to mitigate its loss;
   3. (where our Services are not ordinarily acquired for personal, domestic or household use or consumption) in respect of any failure by us to comply with relevant Consumer Law Rights, our Liability is limited (at our discretion) to supplying the Services again or paying the cost of having the Services supplied again; and
   4. our aggregate liability to you for any Liability arising from or in connection with these Terms will be limited to AU$1,000.

Notice Regarding Apple

1. To the extent that you are using or accessing Hana Remit on an iOS device through a mobile application from the Apple App Store, you further acknowledge and agree to the terms of this clause. You acknowledge that these Terms are between you and us only, not with Apple Inc. (Apple), and Apple is not responsible for Hana Remit and any content available on Hana Remit.
2. Apple has no obligation to furnish you with any maintenance and support services with respect to Hana Remit.
3. If our mobile application fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the mobile application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the mobile application and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our responsibility.
4. Apple is not responsible for addressing any claims by you or any third party relating to our mobile application or your use of our mobile application, including but not limited to: (1) product liability claims; (2) any claim that our mobile application fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.
5. Apple is not responsible for the investigation, defence, settlement and discharge of any third-party claim that our mobile application infringes that third party’s intellectual property rights.
6. You agree to comply with any applicable third-party terms when using our mobile application.
7. Apple and Apple subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.
8. You hereby represent and warrant that: (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.

Termination

1. We may terminate these Terms (meaning you will lose access to our Services, including access to your Wallet) if:

   1. you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;
   2. you breach these Terms and that breach cannot be remedied;
   3. you experience an insolvency event (including but not limited to bankruptcy, receivership, voluntary administration, liquidation, or entering into creditors’ schemes of arrangement);
   4. we reasonably suspect that your Wallet is being used for money laundering, terrorism financing, fraud or other illegal activity, or we are otherwise required to close your Wallet to comply with AML/CTF Laws or a direction from a regulator or law enforcement body.

2. You may terminate these Terms if:

   1. we breach these Terms and do not remedy that breach within 14 days of you notifying us of that breach; or
   2. we breach these Terms and that breach cannot be remedied.
3. You may also terminate these Terms at any time by notifying us through our email for notices (as set out in clause 18.8), and termination will take effect immediately.
4. Upon termination of these Terms, we will retain Your Data (including copies) as required by law or regulatory requirements.
5. Termination of these Terms will not affect any other rights or liabilities that we or you may have.

General

1. Assignment: You may not transfer or assign these Terms (including any benefits or obligations you have under these Terms) to any third party without our prior written consent. We may assign or transfer these Terms to a third party, or transfer any debt owed by you to us to a debt collector or other third party.

2. Disputes: Neither we or you may commence court proceedings relating to any dispute, controversy or claim arising from, or in connection with, these Terms (including any question regarding its existence, validity or termination) (Dispute) unless we and you first meet (in good faith) to resolve the Dispute. Nothing in this clause will operate to prevent us or you from seeking urgent injunctive or equitable relief from a court of appropriate jurisdiction.

   If the Dispute is not resolved at that initial meeting:

   1. where you are resident or incorporated in Australia, refer the matter to mediation, administered by the Australian Disputes Centre in accordance with Australian Disputes Centre Guidelines for Commercial Mediation; or
   2. where you are not resident or incorporated in Australia, refer the matter to arbitration administered by the Australian Centre for International Commercial Arbitration, with such arbitration to be conducted in Sydney, New South Wales, before one arbitrator, in English and in accordance with the ACICA Arbitration Rules.
3. Events Outside Our Control: We will not be liable for any delay or failure to perform our obligations (including our Services), if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.
4. Governing law: These Terms are governed by the laws of New South Wales, and any matter relating to these Terms is to be determined exclusively by the courts in New South Wales and any courts entitled to hear appeals from those courts.
5. Illegal Requests: We reserve the right to refuse any request for or in relation to our Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.
6. Marketing: You agree that we may send you electronic communications about our products and services. You may opt-out at any time by using the unsubscribe function in our electronic communications.
7. Nature of Legal Relationship: These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.
8. Notices: Any notice you send to us must be sent to the email set out at the beginning of these Terms. Any notice we send to you will be sent to the email address registered against your Wallet.
9. Survival: Clauses 11 to 17 will survive the termination or expiry of these Terms.
10. Third Party Sites: Hana Remit may contain links to websites operated by third parties. Unless we tell you otherwise, we do not control, endorse or approve, and are not responsible for, the content on those websites. We recommend that you make your own investigations in relation to the suitability of those websites. If you purchase goods or services from a third party website linked from Hana Remit, those goods or services are being provided by that third party, not us. We may receive a benefit (which may include a referral fee or a commission) should you visit certain third party websites through a link on Hana Remit, or for featuring certain goods or services on Hana Remit. We will make it clear by notice to you which (if any) goods or services, or website links, we receive a benefit from by featuring them on Hana Remit.

Definitions

1. In these Terms:

   AML/CTF Laws

   means the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and associated rules and regulations.

   AUDC

   means the Australian dollar-backed stablecoin issued by AUDD Digital, which you may hold in your Wallet.

   Consequential Loss

   includes any consequential loss, special or indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise. However, your obligation to pay us any amounts for access to or use of our Services (including Hana Remit) will not constitute “Consequential Loss”.

   Hana Remit

   means our application that we provide you with access to as part of the Services.

   Liability

   means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or us or you or otherwise.

   Personal Information

   means any information or opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a tangible form or not.

   Recipient

   means the overseas person or entity you nominate to receive funds when you send a remittance using Hana Remit.

   Services

   means the services we provide to you, as detailed in clause 2.1.

   Wallet

   means virtual account accessible to the individual or entity who signed up to our Services, into which you can deposit Australian dollars, which are converted into and held as AUDC on your behalf.

   Your Data

   means the information, materials, logos, documents, qualifications and other intellectual property or data supplied by you when receiving our Services or stored by or generated by your use of our Services, including any Personal Information collected, used, disclosed, stored or otherwise handled in connection with our Services. Your Data does not include any data or information that is generated as a result of your usage of our Services that is a back-end or internal output or an output otherwise generally not available to users of our Services.