Welcome to Sharperly Pty Ltd. By accessing or using our services, you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using our services. If you do not agree with these terms, please do not use our services.

• Sharperly Pty Ltd (ACN: 671 543 212) t/as 'Sharperly', "we", "us", or "our" refers to the company providing financial services. • www.sharperly.com is a website operated by Sharperly ("Website"). • "User", "you", or "your" refers to the individual or entity using our services. • "Services" refers to the financial services provided by Sharperly Pty Ltd.

By accessing or using our services, you agree to these Terms of Use, all applicable laws, and any other policies or guidelines that may be applicable to specifc services. If you do not agree to these terms, you must cease using our services immediately.

Sharperly reserves the right to change, modify, or update these Terms of Use at any time without prior notice. Your continued use of the services following any changes constitutes your acceptance of the revised terms. It is your responsibility to review these terms periodically for any updates or changes.

To use our services, you must be at least 18 years old and have the legal capacity to enter a binding contract. By using our services, you represent and guarantee that you meet these requirements.

To access certain features of our services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

You agree to use our services only for lawful purposes and in accordance with these Terms of Use. You agree not to: • Use our services in any way that violates any applicable local, state, national, or international law or regulation. • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the services, or which, as determined by us, may harm Sharperly or users of the services. • Use our services in any manner that could disable, overburden, damage, or impair the services or interfere with any other party's use of the services.

Sharperly is a licensed cross-border remittance provider, not a commercial bank. Funds held by Sharperly are not bank deposits, wallet deposits, and are not insured by any national deposit insurance scheme in any of the countries we currently operate in. Your funds are safeguarded in segregated accounts with our partners under applicable regulations.

All content and materials available through our services, including but not limited to text, graphics, logos, images, and software, are the property of Sharperly or its licensor and are protected by intellectual property laws. You may not use, reproduce, distribute, modify, or create derivative works of any content or materials without our prior written consent.

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information

To the fullest extent permitted by applicable law, Sharperly shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damage arising out of or in connection with your use of our services. This includes, but is not limited to, any errors or omissions in any content, any loss or damage incurred as a result of the use of any content or services, and any interruptions, delays, or failures in the delivery of services.

You agree to indemnify, defend, and hold harmless Sharperly, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or in connection with your use of our services or your violation of these Terms of Use.

These Terms of Use and your use of our services shall be governed by and construed in accordance with the laws of the jurisdiction in which Sharperly is established, without regard to its conflict of law principles.

If you have any questions or concerns about these Terms of Use or our services, please contact us at: Sharperly Pty Ltd Address: Level 3, 91 Phillip Street, Parramatta, NSW, 2150, AU Email: support@sharperly.com