Website Terms

These terms and conditions (Website Terms) are between you and TapX Pty Ltd ACN 623 023 576 trading as ImpactPay (we, us or our) and govern your use of our website located at (Website). By accessing and using the Website you agree to be bound by and abide by these Website Terms.

Information on the Website

All information set out on the Website (Information), including information about our ImpactPay prepaid debit card, is provided for general information purposes only. The Information should not be taken as financial product advice and has been prepared as general information only without consideration for your particular investment objectives, financial circumstances or particular needs.

We make no warranty about the accuracy, completeness, reliability or timeliness of the Information. You must not rely on the Information. You are solely responsible for the consequences of your use of any Information or product, including any decision to act or not act on the basis of the Information.

The Website may be accessed from outside Australia. We make no representation that the Information or the Website complies with the laws (including intellectual property laws) of any country outside Australia. If you access the Website from outside Australia, you do so at your own risk and you are responsible for ensuring compliance with all laws in the place where you are located.

Ownership of Content

Unless otherwise indicated, we (and/or our third party licensors) own the copyright and other intellectual property rights in the Website and in the Information, text, graphics, designs, data and other content (Content) on the Website. You must not do anything which breaches or otherwise interferes with our (and our third party licensors’) intellectual property rights. Except for viewing or printing content on the Website for non-commercial or personal use, you must obtain our prior written permission if you would like to use, copy or reproduce any part of the Website for any other purpose.

ImpactPay is our Australian trade mark. You may not use our trade mark in Australia or overseas without our prior written consent, except to legitimately identify our products or services. All trade marks appearing on the Website belong to their respective owners.

Links to other websites

This Website may contain links to third party sites (Links) over which we have no control. These Website Terms do not apply to third party sites and you should review the terms and conditions of the applicable site before using that site.

We make no representation or warranty as to, and we are not responsible for, the accuracy or any other aspect of the information on any linked third party website. The inclusion of a Link does not imply our endorsement, recommendation or support of the applicable website or any information, opinions, goods or services referred to on it.

Links are provided for your convenience only. You acknowledge and agree that any access to and use of linked third party websites is at your own risk and that we are not responsible for any losses suffered by you or anyone else in connection with any Link.

Privacy Policy

We handle personal information we collect and hold about you in accordance with our Privacy Policy. Our Privacy Policy forms part of these Website Terms.


‘Cookies’ are small pieces of information sent by a web server to a web browser, which enables the server to collect information from the browser. The Website uses cookies for a number of purposes. For more information about how we use cookies, please see our Privacy Policy.

Most browsers allow you to turn off the cookie function. If you’d like to do this, please look at the help menu on your browser. However, you should be aware that turning off cookies may adversely affect the Website’s functionality.

Non-excludable Obligations

To the extent that you acquire goods or services from us as a ‘consumer’ (as that term is defined in section 3 of the Competition and Consumer Act 2010 (Cth)), you may have certain rights and remedies (including, without limitation, consumer guarantee rights) that cannot be excluded, restricted or modified by agreement. Nothing in these Website Terms operates to exclude, restrict or modify the application of any implied condition or warranty, provision, the exercise of any right or remedy, or the imposition of any liability, implied or conferred under the Australian Consumer Law (as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other statute where to do so would contravene that statute or cause any term of these Website Terms to be void (Non-excludable Obligations).


The Content on the Website is provided “as is”. Except in relation to Non-excludable Obligations, we expressly exclude all conditions, warranties, rights, remedies, liabilities or other terms that may be implied or conferred by statute, custom or the general law that impose any liability or obligation on us.

Except in relation to Non-excludable Obligations, we have no liability whatsoever to you (including because of our negligence) for any type of direct, indirect or consequential loss or liability incurred by you or any other person under or in connection with your use of the Website (including any Content or in connection with any Link), however incurred, including (without limitation) any loss of profits, loss of revenue, loss of goodwill, loss of customers, loss of or damage to reputation, loss of capital, downtime costs, loss under or in relation to any other contract, loss of data, loss of use of data, or any other loss, harm, damage, cost or expense (including legal fees).

Changes to Website Terms

We may change these Website Terms at any time without notice to you. You agree to be bound by the changed terms if you use this Website after the terms have changed.

Governing law

These Website Terms are governed by the laws of Victoria, Australia. By using the Website, you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Victoria, Australia in relation to any dispute relating to the Website.

Contact us

If you have any questions about these Website Terms (including your privacy rights), you can contact us at