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Terms & Conditions

Last updated: 1 June 2026

SNS IDProof is a registered Business Trading Name of SD Finance Group Pty. Ltd (ABN: 99 162 701 206).

Effective Date: 1 June 2026
Last Updated: 1 June 2026

1. Acceptance of Terms

By accessing, browsing, registering for, integrating with, or using any services, websites, APIs, software, platforms, applications, or systems operated by SD Finance Group Pty. Ltd ("SD Finance Group", "we", "our", or "us"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree to these Terms, you must immediately discontinue use of the Services.

These Terms constitute a legally binding agreement between you and SD Finance Group Pty. Ltd.

2. Definitions

For the purpose of these Terms:

  • Services means all websites, software, APIs, identity verification systems, SaaS platforms, compliance solutions, integrations, applications, and related services operated by SD Finance Group Pty. Ltd.
  • User means any individual, customer, client, developer, organisation, or entity accessing or using the Services.
  • Content means all text, graphics, code, software, data, documentation, media, and materials available through the Services.
  • Sensitive Information includes biometric information, identity documents, financial data, government identifiers, and other information protected under applicable privacy laws.
  • API means any application programming interface, developer tools, integration endpoints, or related systems provided by SD Finance Group Pty. Ltd.

3. Eligibility

You must be at least 18 years old or otherwise legally authorized to use the Services.

By using the Services, you represent and warrant that:

  • You have the legal capacity to enter into binding agreements
  • All information provided by you is accurate, complete, and current
  • You will comply with all applicable laws and regulations
  • You will only use the Services for lawful and authorized purposes

If you access the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

4. Services Provided

SD Finance Group provides technology and compliance-related services including, but not limited to:

  • Identity verification solutions
  • API services and integrations
  • SaaS platforms and software systems
  • AML/CTF compliance tools
  • Fraud detection and risk management systems
  • Digital onboarding and authentication services
  • Data processing and verification services
  • Cybersecurity and monitoring solutions
  • Financial technology support services

We reserve the right to modify, suspend, restrict, or discontinue any part of the Services at any time without prior notice.

5. User Obligations

You agree to:

  • Use the Services lawfully, responsibly, and ethically
  • Provide accurate and complete information
  • Maintain the confidentiality and security of account credentials
  • Notify us immediately of any unauthorized access or suspected security incidents
  • Comply with all applicable laws, regulations, and industry standards

You must not:

  • Use the Services for unlawful, fraudulent, misleading, or harmful purposes
  • Attempt to bypass security controls or access restrictions
  • Reverse engineer, decompile, copy, modify, or exploit the Services without written authorisation
  • Upload malware, malicious code, or harmful content
  • Interfere with the operation, availability, or security of the Services
  • Use the Services in a way that infringes intellectual property, privacy, or legal rights

6. Identity Verification and Compliance

Certain Services may require identity verification, biometric authentication, compliance screening, fraud checks, or regulatory monitoring.

By using these Services, you:

  • Consent to identity verification processes
  • Consent to the collection and processing of Sensitive Information where required
  • Authorize verification through government and third-party systems including IDMatch and the Document Verification Service (DVS)
  • Acknowledge that verification results may affect access to the Services

We reserve the right to refuse, suspend, restrict, or terminate Services where verification or compliance requirements are not satisfied.

7. AML/CTF Compliance

Where applicable, we may conduct:

  • Know Your Customer (KYC) procedures
  • Customer Due Diligence (CDD)
  • Enhanced Due Diligence (EDD)
  • Transaction monitoring
  • Fraud detection and behavioural analysis
  • Sanctions and Politically Exposed Person (PEP) screening

We may disclose information to regulatory authorities, including AUSTRAC, where required by law.

Under applicable laws, we may be prohibited from disclosing the existence of certain investigations, monitoring activities, or regulatory reports.

8. Accounts and Access

You are responsible for maintaining the confidentiality and security of:

  • Account credentials
  • Authentication methods
  • Devices and systems used to access the Services
  • API keys, tokens, and integration credentials

You are responsible for all activities conducted under your account unless caused by our proven negligence.

We reserve the right to suspend, restrict, or terminate access where:

  • Security risks are identified
  • Fraudulent or suspicious activity is detected
  • These Terms are breached
  • Required by law or regulatory obligations
  • Operational or cybersecurity risks arise

9. API Usage and System Integrity

Where API access or developer services are provided, you agree to use such services responsibly and in accordance with these Terms.

You must not:

  • Misuse, overload, or disrupt API services or infrastructure
  • Attempt unauthorized access to systems or endpoints
  • Circumvent rate limits, authentication systems, or security protections
  • Use automated systems in a manner that negatively impacts service availability
  • Introduce malware, malicious requests, or harmful code into the Services

We reserve the right to:

  • Apply rate limits, quotas, or usage restrictions
  • Monitor API activity and usage patterns
  • Suspend or terminate API access where misuse or security risks are identified

You are responsible for protecting API credentials and ensuring integrations are implemented securely.

10. Intellectual Property

All intellectual property rights relating to the Services, including software, APIs, systems, code, graphics, trademarks, logos, designs, documentation, and content, remain the exclusive property of SD Finance Group Pty. Ltd or its licensors.

Nothing in these Terms transfers ownership of intellectual property rights to you.

You may not:

  • Reproduce, distribute, or exploit the Services or Content
  • Reverse engineer or decompile systems or software
  • Use our branding, trademarks, or intellectual property without written consent

11. Privacy and Data Protection

Your use of the Services is subject to our Privacy Policy and, where identity verification is required, our Identity Verification Consent Statement.

By using the Services, you acknowledge and agree that personal information may be collected, processed, stored, transferred, and disclosed in accordance with our Privacy Policy and applicable laws.

12. Third-Party Services and Integrations

Our Services may integrate with or rely upon third-party providers, infrastructure, APIs, analytics systems, verification systems, cloud hosting providers, or external platforms.

We are not responsible for:

  • Third-party services or infrastructure
  • Availability or performance of third-party systems
  • Third-party privacy or security practices
  • Errors, interruptions, or losses caused by third-party providers

Use of third-party services may also be subject to separate terms and conditions imposed by those providers.

13. Fees and Payments

Where applicable, users agree to pay all fees, charges, taxes, and costs associated with the Services.

Unless otherwise agreed:

  • Fees are payable in Australian Dollars (AUD)
  • Payments are non-refundable except where required by law
  • Late payments may result in suspension or termination of Services

We reserve the right to modify pricing, subscription structures, or fees at any time.

14. Service Availability

While we aim to provide reliable Services, we do not guarantee uninterrupted, secure, or error-free operation.

Services may be affected by:

  • Scheduled maintenance
  • Cybersecurity incidents
  • System failures or outages
  • Internet or infrastructure disruptions
  • Third-party failures or outages

We may suspend Services temporarily for maintenance, operational, legal, security, or regulatory reasons.

15. Limitation of Liability

To the maximum extent permitted by law:

  • The Services are provided on an "as is" and "as available" basis
  • We do not guarantee uninterrupted availability, accuracy, completeness, or suitability for a particular purpose
  • We are not liable for indirect, incidental, consequential, special, or punitive damages
  • We are not liable for loss of profits, business opportunities, goodwill, data, or revenue

Our total liability arising from the Services shall not exceed the amount paid by you to us for the relevant Services during the preceding 12 months.

Nothing in these Terms excludes, restricts, or modifies any rights or remedies available to you under the Australian Consumer Law or any other applicable law that cannot legally be excluded.

16. No Reliance

You acknowledge and agree that the Services, including verification results, fraud indicators, analytics, monitoring tools, compliance outputs, and risk assessments, are provided for informational and compliance support purposes only.

You acknowledge that:

  • Verification or screening results may not always be accurate, complete, current, or error-free
  • Third-party systems and data sources may contain inaccuracies or delays
  • Automated systems may generate false positives, false negatives, or inconclusive results

You are solely responsible for conducting your own independent assessments, investigations, and due diligence before relying on the Services for legal, financial, operational, compliance, employment, or transactional decisions.

17. Data Accuracy Disclaimer

While we use commercially reasonable efforts and reliable data sources, including government systems and third-party providers, we do not guarantee the accuracy, completeness, reliability, or availability of any information, verification results, or third-party data.

You acknowledge that:

  • Third-party sources may contain errors or outdated information
  • Technical issues may affect results or service functionality
  • Verification systems may occasionally fail or produce inaccurate outcomes

To the maximum extent permitted by law, SD Finance Group Pty. Ltd is not liable for losses arising from inaccurate, incomplete, delayed, or unavailable information or verification data.

18. Security and Cybersecurity

You acknowledge that no online platform, electronic system, or internet transmission can guarantee absolute security.

You are responsible for:

  • Securing your devices, systems, and credentials
  • Maintaining appropriate cybersecurity protections
  • Promptly reporting suspected breaches or unauthorized access

We implement reasonable technical and organizational security measures but cannot guarantee complete protection against cyber threats, unauthorised access, or data breaches.

19. Indemnity

You agree to indemnify and hold harmless SD Finance Group Pty. Ltd, its directors, employees, affiliates, contractors, licensors, and partners from any claims, damages, liabilities, losses, costs, or expenses arising from:

  • Your use of the Services
  • Your breach of these Terms
  • Your violation of applicable laws or regulations
  • Your infringement of intellectual property, privacy, or legal rights

20. Suspension and Termination

We may suspend, restrict, or terminate access to the Services immediately where:

  • These Terms are breached
  • Fraudulent, unlawful, or suspicious activity is identified
  • Security or operational risks arise
  • Required by law, regulators, or law enforcement authorities

Termination does not limit any legal rights or remedies available to us.

21. Force Majeure

We are not liable for delays, interruptions, or failures caused by events beyond our reasonable control, including:

  • Natural disasters
  • Internet or power outages
  • Cyberattacks
  • Government actions or restrictions
  • War, terrorism, or civil unrest
  • Failures of third-party infrastructure or providers

22. International Use

The Services may be accessed from jurisdictions outside Australia.

If you access or use the Services from outside Australia, you acknowledge and agree that:

  • You are responsible for ensuring compliance with local laws and regulations
  • Certain Services may not be lawful or available in all jurisdictions
  • Cross-border transfers of information may occur in connection with your use of the Services

We make no representation that the Services are appropriate or lawful for use in all jurisdictions.

23. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia.

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

24. Changes to Terms

We may update or modify these Terms and Conditions at any time.

Updated versions will be published on our website with a revised effective date.

Continued use of the Services after changes are published constitutes acceptance of the updated Terms.

25. Contact Us

SNS IDProof
A registered Business Trading Name of SD Finance Group Pty. Ltd
ABN: 99 162 701 206

Email: info@snsidproof.com.au
Address: 301 Castlereagh Street, Haymarket NSW 2000, Australia