Terms &
Conditions

These terms of use (Terms) govern your use of the Cradle Pay mobile application and website located at www.cradlepay.com, and all associated websites and pages, including social media platforms (together, the Platform) and any other services made available through the Platform. By using the Platform, you agree to be bound by these Terms which form a binding contractual agreement between you, the user of the Platform (you or User) and us, Cradle Pay Pty Ltd ABN 91 626 294 237 (Cradle Pay, we or us). 

PLEASE CAREFULLY READ THESE TERMS INCLUDING THE DISCLAIMER AT CLAUSE 3.13. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THE PLATFORM.

We may change these Terms at any time by updating this page, and your continued use of the Platform following such update will represent an agreement by you to be bound by the Terms as amended.

The Platform is a secure quoting and payment platform that facilitates agreements made between:

  • users of the Platform who are contractors, who use the Platform to create quotes in respect of services to be provided to Customers, and request payment for those services to be held by our Third Party Payment Partner (Contractors); and

  • users of the Platform who use the Platform to accept Quotes from Contractors and make payments via our Third Party Payment Provider (Customers).

Stripe – Third Party Payment Partner

We use the services of Stripe (Stripe) to provide the direct debit and/or payment services that facilitate transactions between Contractors and Customers on the Platform. Stripe is an API, meaning that it integrates with the Cradle Pay Platform and looks as though it is part of Cradle Pay. This is not the case. Every time you access direct debit and/or payment services through the Platform (such as when you upload payments, release payments or receive payments as the case may be), you acknowledge and agree that you are using the services of Stripe and not Cradle Pay.  You agree to be bound by Stripe Privacy Policy which is located here and hereby consent and authorise us and Stripe to share any information and payment instructions you provide with one another and, to the extent required to complete your transactions, with any other Users. You also agree to be bound by Stripe’ User Terms which are located          (Stripe’s Terms) which apply to you every time you use the direct debit and/or payment services on the Platform.  Stripe’ Terms and Privacy Policy may change at any time without notice and Cradle Pay recommends that you regularly check such pages to ensure you are aware of the then current terms which apply to your use of the direct debit and payment services.  

 

You agree to release and hold harmless Cradle Pay and its employees and agents in respect of all liability for loss, damage or injury which may be suffered by any person arising from any act or omission of Stripe, including any failure by Stripe to comply with the Stripe’s Terms or any issue with security or performance of the Stripe’s payment services or any error or mistake in processing or not processing a payment in connection with a Quote.

General

The remainder of these Terms are divided into three parts:

  • Part 1 (Contractors), which sets out further terms that apply to Contractors (as well as Users more generally);

  • Part 2 (Customers), which sets out further terms that apply to Customers (as well as Users more generally); and

  • Part 3 (General), which sets out terms that apply to all Users, including Contractors and Customers. 

1.                  CONTRACTORS 

1.1           QUOTES 

                     

                     (a)      You may create quotes for services you agree to provide to Customers through your Account (defined in Part 3) on the Platform                                                            (Quotes).

                     (b)      Each Quote must contain the milestones to be achieved, and state the:

                                (i)        date payment must be made (optional); 

                                (ii)       payment amount (mandatory); 

                                (iii)      description of services being provided to the Customer (mandatory);

                                           for each milestone (Milestone). 

                     (c)      It is the Contractor’s responsibility to ensure the Quote takes into account any GST or other payments payable on the Quote.  

                     (d)      Once you create a Quote, it will be sent to the Customer for approval. Cradle Pay may permit you to revoke or amend a Quote in certain                                            circumstances, such as before it is accepted by the Customer or if it has been accepted, through adding a Variation (defined below) to                                                any Quote with the Customer’s consent. 

                     (e)      If the Customer requests extra services be done or if the Contractor determines extra services need to be provided then the                                                                  Contractor may enter a variation in respect of the Quote on the Platform at any time (Variation). Variations work in the same manner as creating                                  a Milestone.

                     (f)       On acceptance of a Quote by the Customer, the Quote will be binding on the Customer and Contractor.  

 

1.2           INVOICING AND PAYMENT PROCESS – SECURED PAYMENTS

                     (a)      For each Quote that has been agreed between you and a Customer on the Platform whereby the parties agree to standard payment terms you                                  acknowledge and agree that:

                               (i)          Prior to the commencement  of each Milestone, the Customer is required to pay the amount as agreed for that particular Milestone                                                     (Milestone Amount) to Stripe (through the Cradle Pay Platform). Payment of the Milestone Amount is held by Stripe subject to these                                                   Terms. You authorise Stripe to act as your payment facilitator and agent in connection with the Quote and payment of the Milestone                                                   Amount.

                              (ii)          At the completion of each Milestone you may upload imagery as evidence of completion of the Milestone (if you wish) and submit a                                                     request to the Customer through the Platform to authorise the release of that particular Milestone Amount from the funds held by                                                       Stripe.

                              (iii)         The Customer has 7 business days to respond with either:

                                            A.     clicking on the “release” button (or a similar button) in which case it authorises Stripe to release the Milestone Amount to you and                                                        accepts satisfactory completion of the Milestone; or
                                            B.      clicking on the “dispute” button (or a similar button, such as a “discuss” button) in which case Stripe will retain the Milestone                                                                Amount pending resolution of the dispute.

                              (iv)         If there is no response from the Customer at the expiry of the 7 business day period, the Customer is deemed to have authorised Stripe                                               to release the Milestone Amount automatically to you.

                              (v)          On release, the Milestone Amount less our Service Fee (defined below) will be paid to you by Stripe within a reasonable time to your                                                   nominated bank account which has been accepted by us and Stripe. 

                              (vi)          You are responsible for ensuring your bank account details provided are correct.  

 

1.3             PAYMENT PROCESS – EXPRESS PAYMENTS

                       (a)      For each Quote that has been agreed between you and the Customer on the Platform and whereby the parties agree to express payment                                          terms, you acknowledge and agree that:

                              (i)            the Customer will pay the Milestone Amount to Stripe through the Platform on completion of each Milestone.

                              (ii)           by submitting payment of the Milestone Amount to Stripe the Customer irrevocably authorises Stripe to release the Milestone Amount                                                to you and the Customer accept satisfactory completion of the Milestone; and

                              (iii)          there is no ability for the Customer to dispute the services performed by you. 

 

1.4             FEES

                        You agree and acknowledge that:

                        (a)       in consideration of Cradle Pay providing the Platform to the Contractor, Cradle Pay charges the Contractor a fee of 2% (including GST) of the                                    total Milestone Amount (including any GST on that Milestone Amount) (Service Fee). The Service Fee is subject to change at any time without                                    notice, and Cradle Pay encourages Users to regularly review the Platform to confirm the then latest fee as any increase in the Service Fee will                                      apply immediately upon its publication on the Platform; 

                        (b)       the Contractor and the Customer irrevocably authorise and direct Stripe to pay the Service Fee directly to Cradle Pay from the relevant                                              Milestone Amount held by Stripe immediately upon release by the Customer of the relevant Milestone Amount to the Contractor. The parties                                    acknowledge and agree that this payment will be made after the completion of the relevant Milestone by the Contractor.  

 

1.5             OBLIGATIONS

                        You agree and acknowledge that:

                        (a)       you are solely responsible for ensuring all information contained in your Quote is correct, including without limitation all Milestone Amounts; 

                        (b)      Cradle Pay may choose not to accept any Quote you submit to the Platform, and Cradle Pay may limit the number of Quotes you can submit                                      on the Platform;

                        (c)       you must take all reasonable steps to complete the services as described in every Quote that is agreed with a Customer, including by not                                            cancelling any part of such Quote, except where agreed between the parties;

                        (d)       you must deal with any dispute with a Customer in accordance with clause 3.11;

                        (e)       any terms and conditions relating to a Quote provided via the Platform are solely between you and the Customer and do not involve Cradle                                      Pay in any way, except that they must not be inconsistent with your obligations under these Terms; and

                        (f)        Cradle Pay will have no responsibility for the accuracy, reliability or timeliness of the content provided by a Customer responding to a Quote                                      including without limitation the ability of the Customer to make payment of a Quote or not dispute the release of a Milestone Amount.

 

1.6             BINDING CONTRACT

                        You agree that when both you and the Customer agree on a Quote in respect of services to be provided by you to the Customer, a contract is                                   formed on the terms set out in that Quote and any other terms agreed by the parties. You acknowledge and agree that Cradle Pay is not a party to                           such contract. 

1.7             REFUNDS & CANCELLATIONS

                        (a)       Cradle Pay will have no liability or obligation to you if a Customer fails to pay any amount required under a Quote or disputes the release of a                                    Milestone Amount, and you will not be entitled to any compensation from Cradle Pay.

                        (b)       The Service Fee is by default non-refundable to the extent permitted by law. However, Cradle Pay may, in its absolute discretion, issue                                                refunds of the Service Fee in certain circumstances.

                        (c)       If you wish to cancel an agreed Quote before you have completed the services as described under the Quote, you may only do so with the                                        Customer’s consent or in accordance with any terms of service that bind the Customer. In the event you have a dispute with the Customer,                                          you must follow the process set out in clause 3.11.

                        (d)       If we accept your request to a cancel an agreed Quote, we may take one or more of the following actions (without limitation to any other                                            actions we may take): 

                                   (i)                 cancel your Account with Cradle Pay, including any Quotes; and/or

                                   (ii)                direct Stripe to refund to the relevant Customer/s all amounts held by it in respect of the relevant Quote/s. 

                        (e)       In the event of a pricing error in a Quote on the Platform, you agree to honour and comply with the process set out in clause 2.3(c), and hold                                      Cradle Pay harmless. 

 

1.8             WARRANTIES

                        By using the Platform as a Contractor, you represent and warrant that:

                        (a)       you are able to fulfil the requirements of the services specified in a Quote;

                        (b)       you will provide the relevant services required by the Quote to Customers:

                                   (i)                 using suitably qualified and trained personnel exercising due care and skill in a professional, efficient, diligent and safe manner,                                                            and to the best industry standards; and

                                   (ii)                in compliance with all applicable laws;

                        (c)       you understand that Cradle Pay does not hold insurance in respect of any services you may provide to a Customer, including any public                                              liability insurance, and that it is your responsibility to obtain and hold any such insurances; and

                        (d)      any individuals or companies involved in performing the relevant services have not been previously convicted of a crime, and there are no                                           current legal, criminal, civil or administrative proceedings against such individuals or companies.

1            CONTRACTORS

2            CUSTOMERS - FURTHER TERMS

2.1             ACCEPTANCE OF QUOTE

 

                        (a)     By accepting a Quote using the Platform’s functionality you represent and confirm that you:

                                 (i)                  have the legal capacity to enter into a binding contract with the Contractor; and

                                 (ii)                 are authorised to use the debit or credit card that you use to make payment of the Milestone Amount/s.

                        (b)     Accepting a Quote constitutes your intention and offer to enter into a contract with the Contractor, where the Contractor will provide you with                                  the services as set out in the Quote in exchange for payment of each Milestone Amount in the Quote.

                        (c)     Any terms and conditions relating to services or a Quote provided via the Platform are solely between you and the Contractor and do not                                          involve Cradle Pay in any way, except that they must not be inconsistent with your obligations under these Terms. You acknowledge and agree                                  that Cradle Pay is not a party to such contract.

 

2.2             PAYMENT PROCESS – SECURED PAYMENTS

                       

                        (a)     For each Quote that has been agreed between you and the Contractor on the Platform whereby the parties agree to standard payment terms                                    you acknowledge and agree that:

                                 (i)                   You will pay the Milestone Amount to Stripe through the Platform for all non-disputed services provided by the Contractor.                                                                    Payment of the Milestone Amount is held by Stripe subject to Stripe’ Terms. Customers do not pay any additional

                                                       fees to Cradle Pay for the use of the Platform other than the Service Fee (which is included in the amount set out in the Quote,                                                              and is effectively paid by the Contractor). You irrevocably authorise Stripe to collect the Milestone Amount/s from you and to pay                                                          the Service Fee from the Milestone Amount/s to Cradle Pay at the same time as the Milestone Amount/s are released to the

                                                       Contractor.

                                 (ii)                  At the completion of each Milestone the Contractor will send you a request for you to authorise the release of the relevant                                                                    Milestone Amount (less the Service Fee paid to Cradle Pay) held by Stripe to the Contractor.

                                 (iii)                 You will have 7 business days to respond with either:

                                                       A.             clicking on the “release” button (or a similar button) in which case you authorise Stripe to release the Milestone                                                                                       Amount to the Contractor and you accept satisfactory completion of the Milestone; or

                                                       B.              clicking on the “dispute” button (or a similar button, such as “discuss”button) in which case Stripe will retain the                                                                                     Milestone Amount pending a resolution of the dispute in accordance with these Terms and Stripe’ Terms.

 

                               (iv)                   If you do not respond at the expiry of the 7 business day period, you irrevocably authorise Stripe to release the Milestone Amount                                                        automatically to the Contractor (and the Service Fee to Cradle Pay) and you are deemed to be satisfied with the services provided                                                        by the Contractor.

 

2.3              PAYMENT PROCESS – EXPRESS PAYMENTS

         

                          (a)     For each Quote that has been agreed between you and the Contractor on the Platform whereby the parties agree to express                                                                payment terms, you acknowledge and agree that:

                                (i)                    you will pay the Milestone Amount to Stripe through the Platform on completion of each Milestone.

                                (ii)                   by submitting payment of the Milestone Amount to Stripe you irrevocably authorise Stripe to release the Milestone Amount                                                                  to the Contractor and to pay the Service Fee from the Milestone Amount/s to Cradle Pay at the same time and you accept                                                                    satisfactory completion of the Milestone; and

                                (iii)                   you will not have the ability to dispute the services performed by the Contractor (for example, you would not be able to get the                                                            Milestone Amount back in the event you dispute the services provided).

 

2.4              GENERAL PAYMENT TERMS

 

                         (a)     (GST) Unless otherwise indicated, amounts stated on a Quote do not include GST. GST must be paid if a Quote indicates that GST is                                                 payable.

                         (b)     (Card surcharges) Cradle Pay (or Stripe as the case may be) reserves the right to charge credit card surcharges in the event that payments                                     are made using a credit, debit or charge card (including Visa, MasterCard, American Express or Diners Club). 

                         (c)     (Pricing errors) In the event that we discover an error or inaccuracy in any price at which a Quote was processed via the Platform (as                                                 determined by us in our discretion), we will attempt to contact you and inform you of this as soon as possible. Subject to agreement

                                  with the Contractor, you will then have the option of accepting the Quote again at the correct price or cancelling the Quote. If you choose to                                     cancel the Quote and payment has already been debited, the full amount will be credited back to your original method of payment.

 

2.5              CANCELLATIONS & REFUNDS

                         (a)     Once you accept a Quote, you cannot cancel the Quote or obtain a refund of any Milestone Amount other than with the Contractor’s consent                                    or in accordance with any additional terms of service you have agreed on with the Contractor. If you have a dispute with a Contractor, you                                          should follow the process set out in clause 3.11.

                         (b)      In the event a Milestone Amount has been released to the Contractor, you must contact the Contractor directly in relation to any defects in                                        the services performed or if you otherwise wish to obtain a refund. Cradle Pay does not facilitate dispute resolution where the relevant                                                Milestone Amount have already been released by Stripe to the Contractor.

                         (c)      Cradle Pay will have no liability or obligation to you if a Contractor cancels a Quote any time after you have accepted it and you will not be                                        entitled to any compensation from Cradle Pay. You may be entitled to a release of any Milestone Amounts uploaded provided this is not                                            disputed by the Contractor, or, if it is disputed, then provided that you reach an agreed resolution direct with the Contractor or that Cradle                                          Pay resolves the dispute in your favour in accordance with these terms.

                         (d)      The Service Fee, once paid to Cradle Pay, is by default non-refundable to the extent permitted by law. The Service Fee is payable to Cradle                                      Pay in consideration of Cradle Pay providing the Platform, as opposed to in respect of the services provided by a Contractor under a quote.                                        However, Cradle Pay may, in its absolute discretion, issue refunds of the Service Fee in certain circumstances.

 

2.6              OBLIGATIONS

                         You acknowledge and agree that:

                         (a)      the Contractor is solely responsible for providing the services set out under a Quote and complying with the terms of the Quote;

                         (b)      Cradle Pay assumes no responsibility for the Contractor’s compliance with any applicable laws or the terms of any Quote;

                         (c)      Cradle Pay has the right to share your information with the Contractor and other related parties in connection with these Terms and in                                                  accordance with our Privacy Policy;

                         (d)      under no circumstance is the is the Contractor acting as an agent or partner of Cradle Pay or vice versa.

                         (e)      Cradle Pay does not endorse or recommend any Contractors and you should make your own investigations in respect of a Contractor before                                      engaging with them;

                         (f)       Cradle Pay does not examine, determine or warrant the certification and/or licensing, competence, solvency or information of any Contractor                                    who uses or is listed on the Platform; and

                         (g)      any terms and conditions relating to a Quote constitute a contract between you and the Contractor and do not involve Cradle Pay in any way

3            GENERAL

3.1              ELIGIBILITY

 

                         (a)      This Platform is not intended for use by any person under the age of 18 years old or any person who has previously been suspended or                                                prohibited from using the Platform. By using the Platform, you represent that you are over the age of 18 years and have not been suspended                                      or prohibited from using the Platform. If you are under the age of 18 years, please do not access or use the Platform

.

                         (b)     If you use the Platform on behalf of a company or organisation:

                                  (i)                        you must have necessary authority from that company or organisation to do so; and

                                  (ii).                      you warrant that you have the necessary authority from that company or organisation to do so.

 

3.2              ACCOUNTS

 

                          (a)    In order to use most of the functionality of the Platform, all Users are required to sign-up, register and receive an account through the Platform                                   (an 'Account'). You may sign-up or register for the Platform by providing Cradle Pay with an email address and password directly on the                                               Platform or as otherwise instructed by us.

                          (b)    Cradle Pay will create your Account based on the information you provide to us on the Platform.

                          (c)    You may only have one active Account.

                          (d)    You agree to provide accurate, current and complete information during the Account registration process and to update such information to                                     keep it accurate, current and complete.

                          (e)    You are solely responsible for maintaining the confidentiality of your Account details including your email and password and you are liable for                                   all activities that happen under your Account, even if you do not authorise such activities. Any use of your Account registration information                                         by any other person is strictly prohibited.

                          (f)     Once you complete the Account registration process, Cradle Pay may, in its sole discretion, choose to accept you as a registered user within                                     the Platform and provide you with an Account.

                          (g)    If Cradle Pay enables you to connect to the Platform with a third-party service (such as Facebook) you hereby grant Cradle Pay permission to                                     access, store and use your information from that service as permitted by that service and as may be described in our Privacy Policy.

                          (h)    You must immediately notify Cradle Pay of any unauthorised use of your Account, password or email, or any other breach or potential breach                                     of the Platform’s security.

3.3               USER OBLIGATIONS

 

                           As a User, you agree:

                           (a)    to comply with the Terms;

                           (b)    to not copy, reproduce, translate, adapt, vary or modify the Platform without the express consent of Cradle Pay;

                           (c)    any arrangements entered into with another User are at your own risk;

                           (d)    you must not expressly or impliedly impersonate any other User of the Platform or use the profile or password or account of another User at                                      any time;

                           (e)    that you are solely responsible for your mobile phone, access to and connectivity to the internet and all costs, including mobile data, required                                    to use the Platform;

                           (f)     that you are solely responsible for the verification of any data that you input into the Platform including without limitation any bank account                                        details;

                           (g)    to receive marketing materials and other communications from Cradle Pay, that you may unsubscribe from, though you cannot unsubscribe                                        from messages relating to your Account or Quotes;

                           (h)    not to use the Platform for any purpose other than for the purpose of making arrangements to provide or receive services;

                            (i)     not to harass, stalk, threaten, bully or endanger any other User;

                            (j)     to not to use the contact details of other Users for the purpose of distributing unsolicited commercial content, junk mail, spam, bulk content                                       or harassment;

                            (k)     you must not make any automated use of the Platform;

                            (l)      that any commercial advertisements, affiliate links and other forms of solicitation may be removed from your Account, profile or                                                            communications without notice and may result in termination of your Account. Appropriate legal action will be taken by Cradle Pay for any

                                    and all illegal or unauthorised use of the Platform;

                            (m)   not to act in any way that may harm the reputation of Cradle Pay or associated or interested parties or do anything at all contrary to the                                             interests of Cradle Pay or the Platform;

                            (n)    you are solely responsible for your use the Platform; and

                            (o)    in using the Platform, the information you provide to Cradle Pay and Users must not be false, inaccurate or misleading.

 

3.4                POSTED MATERIALS - WARRANTIES

                            By providing or posting any information, materials or other content on the Platform, including Quotes (Posted Material), you represent and                                         warrant that:

                            (a)     you are authorised to provide the Posted Material (including by being authorised to provide any services that you represent you provide);

                            (b)    the Posted Material is accurate and true at the time it is provided;

                            (c)     any Posted Material which is in the form of a review or feedback is honest, accurate and presents a fair view of the relevant person and/or                                            your experience;

                            (d)     the Posted Material is free from any harmful, discriminatory, defamatory or maliciously false implications and does not contain any offensive                                      or explicit material;

                            (e)     the Posted Material does not infringe any intellectual property rights, including copyright, trademarks, business names, patents, confidential                                      information or any other similar proprietary rights, whether registered or unregistered, anywhere in the world (IPR);

                            (f)      the Posted Material does not contain any viruses or other harmful code, or otherwise compromise the security or integrity of the Platform or                                      any network or system; and

                            (g)     the Posted Material does not breach or infringe any applicable laws.

3.5                POSTED MATERIALS - LICENCE

                            (a)      You grant to Cradle Pay a perpetual, irrevocable, transferable, worldwide and royalty-free licence (including the right to sublicense) to use,                                         copy, modify, reproduce and adapt any IPR in any Posted Material in order for Cradle Pay to use, exploit or otherwise enjoy the

                                      benefit of such Posted Material.

                            (b)      If it is determined that you retain moral rights (including rights of attribution or integrity) in any Posted Material, you forever release

                                      Cradle Pay from any and all claims that you could assert against Cradle Pay by virtue of any such moral rights.

                            (c)       You indemnify Cradle Pay against all damages, losses, costs and expenses incurred by Cradle Pay arising out of any third party claim that                                            your Posted Material infringes any third party’s IPR.

 

3.6                POSTED MATERIALS - REMOVAL

 

                             (a)      Cradle Pay acts as a passive conduit for the online distribution of Posted Material and has no obligation to screen Posted Material in                                                    advance of it being posted. However, Cradle Pay may, in its absolute discretion, review and remove any Posted Material (including links to                                          you, your profile or listings you have posted on the Platform) at any time without giving any explanation or justification for removing                                                    the material and/or information.

                             (b)      You agree that you are responsible for keeping and maintaining records of Posted Material.

 

3.7                 SERVICE LIMITATIONS

                              The Platform is made available to you strictly on an 'as is' basis. Without limitation, you acknowledge that Cradle Pay cannot guarantee that:

                              (a)      the Platform will be free from errors or defects;

                              (b)     the Platform will be accessible at all times;

                              (c)      messages sent through the Platform will be delivered promptly, or delivered at all;

                              (d)     information you receive or supply through the Platform will be secure or confidential; or

                              (e)     any information provided through the Platform is accurate or true.

 

3.8                 PROHIBITED USE

                              Users shall not use the Platform:

                              (a)     in connection with any transaction that is:

                                       (i)                   illegal or involves the provision of illegal services, items or substances;

                                       (ii)                  involves obscene material;

                                       (iii)                 involves any firearms;

                                       (iv)                 involves pirated software or otherwise infringes copyright works;

                              (b)     in a manner that is illegal or fraudulent or facilitates illegal or fraudulent activity (including requesting or accepting services which includes                                          illegal activities or purposes);

                              (c)     in connection with any commercial or money making or other promotional or marketing endeavours except those that are endorsed                                                    herein, or as approved in writing by Cradle Pay;

                              (d)     for any illegal or unauthorised purpose, which includes collecting email addresses of Users for any purpose such as sending unsolicited                                              email, or unauthorised framing of or linking to the Platform.

 

3.9                 INTELLECTUAL PROPERTY

                             Cradle Pay retains ownership of the Platform and reserves all rights in any IPR owned or licensed by it not expressly granted to you.

 

3.10               THIRD PARTY CONTENT

 

                             The Platform may contain text, images, data and other content provided by a third party and displayed on the Platform (Third Party Content).

                             Cradle Pay takes no responsibility for Third Party Content and makes no representation or warranty about the quality, suitability, accuracy,                                          reliability, currency or completeness of Third Party Content.

 

3.11               DISPUTES

 

                             (a)      We are committed to dealing with disputes fairly and resolving issues in accordance withour dispute resolution policy (if any) and the                                                  following terms. In the event of inconsistency between the following terms and our dispute resolution policy featured on our Platform, our                                          dispute resolution policy will prevail to the extent of the inconsistency.

                             (b)      Although we may provide a dispute resolution process, we are not responsible for any negotiations or disputes arising between Users and                                          we reserve the right to cease providing our dispute resolution process at any time without notice.

                             (c)      If you have a dispute with a User, you should file a dispute with our dispute resolution team by following the process set out on the                                                      Platform before commencing any formal legal action against the other party to the dispute. To file a dispute, you must pay the then stated                                        fee as specified on the Platform to Cradle Pay in the manner specified on the Platform. Payment of this fee is non-refundable. This fee is in                                          respect of the administrative services provided by Cradle Pay in attempting to resolve the disputebetween the parties. Payment of the fee                                          does not imply that the dispute will actually be resolved by the parties, and does not cause Cradle Pay to become a party to the dispute.

                             (d)      We will endeavour to acknowledge receipt of all disputes within 5 business days of the date that you have filed your dispute and paid the                                          applicable fee.

                             (e)      Cradle Pay will then review the details of the dispute and contact either party for further comment. Cradle Pay may set up a forum whereby                                        the dispute may be discussed by the parties involved with view to resolving the dispute. In addition to or in substitution of providing such                                          a forum, Cradle Pay may provide suggestions to either of the parties as to how the dispute could be resolved and propose solutions.

                             (f)       In the event the dispute is not resolved within 20 business days of the date that the dispute is first notified to Cradle Pay, either party to the                                        dispute may take legal action against the other.

                             (g)      Where the dispute relates to the payment by the Customer of any Quote, we may request additional documentation from you.

                                       Stripe as our payment partner reserves the right to hold funds in relation to a dispute until the dispute is resolved by the relevant parties or                                        by a mediator or arbitrator. Funds in relation to the dispute will only be released in accordance with Stripe’ Terms, which may require the                                            written agreement of the Users or a final judgement of a Court to be provided in order for the funds to be released.

                             (h)      Any costs you incur in relation to a complaint or dispute will be your responsibility.

                             (i)       If you have a dispute with Cradle Pay, you agree to notify us first and enter into discussion, mediation or arbitration with us                                                                    for a minimum of a 30-day period before pursuing any other proceedings.

                             (j)       Notwithstanding any other provision of this clause 3.11, you or Cradle Pay may at any time cancel your Account or discontinue your use of                                          the Platform.

 

3.12               SECURITY

                             Cradle Pay does not accept responsibility for loss or damage to computer systems, mobile phones or other electronic devices arising in                                              connection with your use of the Platform. You should take your own precautions to ensure that the process you employ to access the Platform                                    does not expose you to the risk of viruses, malicious computer code or other forms of interference.

 

3.13               DISCLAIMER

                             (a)       (Platform service) Cradle Pay is a medium that facilitates payments between Customers and Contractors. Cradle Pay simply collects a                                                   service fee in consideration for providing this payment service and does not have any obligations or liabilities to, and is not a party to any                                           contract between, Customers and Contractors in relation to such services. Cradle Pay takes no steps to confirm the accuracy of any Users.                                           Cradle Pay is not engaged in the Quotes or providing of any services (other than the provision of the Platform) and as a result has no                                                   control over, and does not ensure, guarantee or provide any warranty or indemnity in respect of the quality, fitness for purpose, legality,                                             accuracy, completeness or otherwise of:

             

                                        (i)                      any Quotes; and

                                        (ii)                     the ability of Users to undertake their respective obligations. Because of the foregoing, in the event that you have a dispute                                                                  with one or more Users, you release and hold us (and our officers, directors, agents, related entities, related bodies                                                                                corporate, employees and contractors) harmless from actions, claims, demandsand losses of every kind and nature, known                                                                    and unknown, suspected and unsuspected,disclosed and undisclosed, arising out of or in any way connected with such                                                                          disputes.

                             (b)     (Limitation of liability) To the maximum extent permitted by applicable law, Cradle Pay excludes completely all liability to any person for                                             loss or damage of any kind, however arising whether in contract, tort (including negligence), statute, equity, indemnity or otherwise, arising                                       from or relating in any way to the Platform or its interaction with another User. This includes the transmission of any computer virus, or the                                           theft or fraud of any amounts uploaded to, or released from, Stripe. Cradle Pay is not liable for any error in judgement, for any act taken or                                         not taken, or for any mistake of fact by the Users when entering any details including without limitation bank details and Quote details                                                 (including payment dates, payment amounts and Milestones). All express or implied representations and warranties are, to the maximum                                           extent permitted by applicable law, excluded. Where any law (including the Competition and Consumer Act 2010 (Cth)) implies a                                                         condition,  warranty or guarantee into these Term which may not lawfully be excluded, then to the maximum extent permitted by applicable

                                      law, Cradle Pay's liability for breach of that non-excludable condition, warranty or guarantee will, at our option, be limited to the supply of                                          our services again, or the payment of the cost of having them supplied again.

                             (c)     (Indemnity) You agree to indemnify Cradle Pay and its employees and agents in respect of all liability for loss, damage or injury which may                                           be suffered by any person arising from you or your representatives’ use of the Platform or your provision or receipt of services from another                                        User.

               

                             (d)     (Consequential loss) Under no circumstances will Cradle Pay be liable for any incidental, special or consequential loss or damages, or                                                  damages for loss of data, business or business opportunity, goodwill, anticipated savings, profits or revenue arising under or in connection                                        with the Platform, these Terms or their subject matter, or any services provided by any Contractor.

 

3.14               CONFIDENTIALITY

 

                             You agree that:

 

                             (a)       no information owned by Cradle Pay, including system operations, documents, marketing strategies, staff information and client                                                           information, may be disclosed or made available to any third parties; and

                             (b)       all communications involving the details of other users on this Platform are confidential and must be kept as such by you and must not be                                           distributed nor disclosed to any third party.

 

3.15               PRIVACY

 

                             You agree to be bound by the clauses outlined in Cradle Pay’s Privacy Policy, which can be found <here>.

 

3.16               TERMINATION

 

                              (a)      Cradle Pay reserves the right to terminate a User’s access to any or all of the Platform at any time upon giving the User written notice, in                                              the event Cradle Pay knows or suspects that the User has breached a term of these Terms or Cradle Pay considers the User may

                                        create liability for Cradle Pay or bring its reputation into disrepute.

                               (b)     In the event that a User’s access is terminated:

                                        (i)                     the User’s access to all tools on the Platform, including Quotes, will be revoked;

                                        (ii)                    if the User is a Contractor and has an active Quote, the Quote will be cancelled, all funds held by Stripe will be released to                                                                     the Customer, and the Customer will be notified to contact the Contractor directly and create another arrangement;

                                        (iii)                   if the User is a Customer and has funds in respect of a Quote held by Stripe, the funds will remain with Stripe and will only be                                                            released in accordance with these terms;

                                        (iv)                   the User will be unable to view the details of all other Users (including contact details).

 

                              (c)      Users may terminate their Account on Cradle Pay at any time by using the Platform’s functionality where such functionality is available.                                                 Where such functionality is not available, Cradle Pay will affect such termination within a reasonable time after receiving written notice                                                 from the User.

                              (d)     Notwithstanding termination or expiry of these Terms, the provisions of this Part 3 and any other provision which by its nature would                                                     reasonably be expected to be complied with after termination, will continue to apply.

 

3.17                TAX

                               You are responsible for the collection and remission of all taxes associated with the services you provide or receive or any transactions through                                  your use of the Platform, and Cradle Pay will not be held accountable in relation to any transactions between Customers and Contractors where                                tax related misconduct has occurred.

3.18                RECORD/AUDIT

                               To the extent permitted by law, Cradle Pay reserves the right to keep all records of any and all transactions and communications made through                                  this Platform between you and other Users (including conversations, user posts, comments, feedback, cookies, and I.P. address information) for                                  administration purposes and also holds the right to produce these records to a third party in the event of any legal dispute involving Cradle Pay.

 

3.19                GOVERNING LAW

 

                               This agreement is governed by the law applying in Victoria, Australia.

 

3.20                JURISDICTION

           

                               Each party irrevocably submits to the exclusive jurisdiction of the courts of Victoria, Australia and courts of appeal from them in respect of any                                    proceedings arising out of or in connection with this agreement. Each party irrevocably waives any objection to the venue of any legal process                                    on the basis that the process has been brought in an inconvenient forum.

 

3.21                INTERPRETATION

 

                               In these Terms, unless inconsistent with the context or subject matter:

                               

                               (a)      a reference to a person includes any other legal entity and vice versa;

                               (b)      words importing the singular number include the plural number and vice versa;

                               (c)      a reference to a party includes the party’s heirs, executors, successors and permitted assigns;

                               (d)      headings are for reference purposes only and must not be used in interpretation;

                               (e)      where any word or phrase is given a defined meaning any other part of speech or other grammatical form concerning the word or phrase                                           has a corresponding meaning;

                               (f)       a reference to a statute includes all regulations and subordinate legislation and amendments;

                               (g)      references to writing include any mode of representing or reproducing words in tangible and permanently visible form, and includes e-                                              mail and fax;

                               (h)      a reference to a monetary amount is a reference to an Australian currency amount;

                               (i)       an obligation of two or more parties binds them jointly and each of them severally;

                               (j)       an obligation incurred in favour of two or more parties is enforceable by them severally;

                               (k)      references to time are to local time in Melbourne;

                               (l)       where time is to be reckoned from a day or event, the day or the day of the event must be excluded;

                               (m)     a reference to a business day means any day on which trading banks are open for business in Melbourne;

                               (n)      if any time period specified in this document expires on a day which is not a business day, the period shall expire at the end of the next                                              business day;

                               (o)     a reference to a month means a calendar month.

                               (p)     Can we please add in a clause to cover off on Express Payments?