baxe logo

Terms & Policies

FCG Digital Assets Pty Ltd Terms Relating to Digital Assets

1. Introduction to FCG Digital Assets Pty Ltd, information on how you can contact us and on how we will contact you.

1.1 We are FCG Digital Assets Pty Ltd. Where these terms refer to “we”, “us” or “our”, this means FCG Digital Assets Pty Ltd, a company incorporated in Australia (A.C.N. 618 880 774) with its head office and registered address at Level 25, Waterfront Place, 1 Eagle Street, Brisbane QLD 4000.

1.2 How you can contact us:

TelephoneBy calling customer service on 1300 51 3302 or using any other electronic means of us speaking to you that we make available to you.
Text ChatUsing the text chat functionality on the online Platform which you access to use our services (the “Platform”) or the chatbot functionality on our website.
Email[email protected]
Web formBy using a form on our website for this purpose

1.3 “You” and “your” in these terms means you, being the individual(s) or legal person that wishes to access or use our services and must therefore agree to these terms and conditions contained in this Agreement and satisfy our onboarding requirements.

1.4 Please note that:
(a) you may only open up one account with us unless we explicitly approve the opening of an additional account; and
(b) you are not allowed to open an account with us jointly with another person.

1.5 How we can contact you:

PlatformWe can send you messages directly on the Platform.
PostYour postal address, as set out on the Platform.
TelephoneYour telephone number, as set out on the Platform.
EmailYour e-mail address, as set out on the Platform.
In the event of security threats or fraudWe will contact you using whichever we think is the most appropriate of the above methods given the circumstances.

It is essential that you update your contact details on the Platform as soon as they change. We will not be liable for any losses you incur as a result of your contact details having changed where you have failed to inform us that they have changed.

1.6 Delivery of any communication to the email address on record is considered valid. For any communication sent by email, the date of receipt is considered to be the date of transmission if the day of transmission is a business day. If the day of transmission is not a business day then the date of receipt will be deemed to be the next business day. Any communication or notice sent by post will be deemed received three (3) calendar days from the date of posting for Lithuanian Post or five (5) calendar days after posting for international post.

1.7 All communications between you and us shall be in the English language only.

2. Information on these terms

We  have  drafted these  terms  in a  question  and  answer  format so  that they  are  easy  to  read  and understand. However, if you have any queries at all, please do not hesitate to get in contact with us.

2.1 Why should you read these terms?
You should read these terms carefully as they apply to the services which we will provide you (the details of which are set out in clause 3). They explain your responsibilities to us and our responsibilities to you, how and when these terms can be terminated and the extent of our liability to you. You should accept these terms only if you agree to be bound by them.

2.2 How do you accept these terms?
You can accept these terms by ticking the relevant box when signing up to use our services.

2.3 When do these terms come into force and when do they end?
These terms come into force when we confirm to you that you are our client and shall remain in force until terminated in accordance with these terms.

2.4 How can these terms be terminated?
You can terminate these terms at any time by emailing us or calling us. We can terminate these terms without cause, by providing you with one months’ notice via e-mail. In addition, we can suspend your access to our services or immediately terminate these terms if:
(a) we suspect that you are behaving fraudulently or otherwise criminally;
(b) you haven’t given us information we need, or we believe that information you have provided is incorrect or not true;
(c) you’ve broken these terms regularly or in a serious way, and you haven’t put the matter right within a reasonable time of us asking you to;
(d) you have died;
(e) you’ve been declared bankrupt (or the equivalent in the country you live in);
(f) you suspend, or threaten to suspend payment of your debts or are unable to pay your debts as they fall due or admit an inability to pay your debts or you commence negotiations with all or any class of your creditors with a view to rescheduling any of your debts, or make a proposal for or enter into any compromise or arrangement with any of your creditors (or the equivalent in the country you live in); 
(g) we  have  good reason to  believe  that your use of our services  could damage our reputation or business, or badly affect us or any of our services; or
(h) we have to do so by law.

2.5 Please note that just because these terms are in force does not oblige us to accept any orders from you to purchase or sell Digital Assets.

2.6 What happens if these terms are terminated?

(a) You may terminate these Terms and Conditions, and close your Account at any time, following settlement of any pending transactions.
(b) You  agree  that  we  may,  by  giving  notice,  in  our  sole  discretion  terminate  your  access  to  the Platform, Services and Account, including without limitation to:
(1) limit, suspend or terminate access to the Services or Account; 
(2) prohibit or restrict access to the Platform and its content, services and tools;
(3) delay or remove hosted content; and 
(4) take any technical or legal steps to keep you from accessing the Platform or Services if we are of the reasonable belief that you are: 
(a) creating problems or legal liabilities; 
(b) infringing the intellectual property rights of us or any third parties; or 
(c) acting in a manner that is inconsistent with or in breach of these Terms and Conditions.

(c) Additionally, we may, at our complete discretion, suspend, restrict, limit or terminate your Account for any reason, including without limitation, where:

(1) there are attempts to gain unauthorized access to the Platform, Services or another user’s Account or providing assistance to others who are attempting to do so;
(2) there are attempts to overcome software features limiting the use of or protecting any content;
(3) there  are  attempts  to  use  the  Platform,  Service  or  Account  to  perform  any  illegal activities such as:
(a) money laundering;
(b) illegal gambling operations;
(c) financing terrorism;
(d) funding drugs;
(e) malicious hacking; or
(f) any other criminal or prohibited activities,
(4) there is a violation of these Terms and Conditions, our Privacy Policy or our security procedures; 
(5) there is a failure to pay for any transaction; 
(6) there are unexpected technical or operational difficulties; or 
(7) there is a request of law enforcement or other government agencies, if deemed to be legitimate and compelling by us, acting in our sole discretion. 

(d) We also reserve the right to cancel unconfirmed Accounts or Accounts that have been inactive (no transactions  are made  through  it  for more  than  24  months),  and/or  to  modify  or  discontinue  our Platform or Service. You agree that we will not be liable to you or to any third party for termination, suspension or restriction of an Account or access to the Platform and Services in accordance with these Terms and Conditions. 
(e) The suspension of an Account shall not affect the payment of any fees due for past transactions that have been made on the Platform. 
(f) Upon termination, you must provide us with all reasonable assistance to allow for the transfer of any fiat currency or digital assets credited to your Account. Digital assets may be transferred to a valid bank account only after conversion into a fiat currency. 
(g) We will transfer fiat currency as soon as practicable following your request upon termination of Account. 
(h) We will send to you the credit balance of your Account, however, in some circumstances a number of  intermediaries  may  be  involved  in  an  international  payment  and  these  intermediaries  or  the beneficiary bank may deduct charges. We will use reasonable efforts to ensure that such charges are disclosed  to  you  prior  to  sending  your  payment,  however,  where  they  cannot  be  avoided,  you  acknowledge and agree that these charges cannot always be calculated in advance, and that you are solely responsible and liable for such charges.

2.7 Is there anything else you should be aware of when reading these terms? Yes: 
(a) these  terms  are  concluded  in  the  English  language  –  if  you  are  reading  a  non-English  language version, please note that this is provided for reference only and that the English language version is the version which applies; and 
(b) when we refer to a business day, we mean a day other than a Saturday or Sunday or bank holiday in Australia. 

3. Our Services 

3.1 Are there any pre-requisites to accessing our services? To access our services, you will need to have: 
(a) an authorised and verified account with access to the Platform; 
(b) opened an electronic money account via the Platform with FCG Financial Services (“FCGFS”)- we call this electronic money account your “BSC Account” in these terms.

3.2 What are our services? Our services allow you to: 
(a) purchase Digital Assets using electronic money in fiat currency credited to your BSC Account; 
(b) sell Digital Assets you hold with us in exchange for us sending electronic money in fiat currency to your BSC Account; 
(c) exchange Digital Assets you hold with us for other Digital Assets; and 
(d) send Digital Assets that you hold with us to another person on the Platform who has an authorized and validated account to use our services.

3.3 How do you place an order to purchase, sell or transfer Digital Assets? You place an order to: 
(a) Purchase, sell or transfer Digital Assets by following the instructions on the Digital Assets part of the Platform. 
(b) Sell Digital Assets by using the card linked to your Platform Account (the “BSC Card”) to purchase goods  and/or  services  from  a  merchant  or  withdraw  cash  from  an  ATM.  Your  order  will  be automatically placed when you use the card and the order will be to sell enough Digital Assets which you hold with us to fulfil your obligations in fiat currency under the BSC Card transaction. 
(c) Once we accept the order, a contract will be formed between us.

3.4 Can we ever reject your order to purchase, sell or transfer Digital Assets? 
Yes. We are under no obligation to accept any order you place with us to purchase, sell or transfer Digital Assets despite having provided you with an exchange rate which we indicated we would accept. We may reject your order for a variety of reasons including: 
(a) where, for reasons beyond our control, we are not able to buy Digital Assets for you;
(b) where there are not enough Digital Assets available in the market; 
(c) where one of our partnered Digital Asset exchanges is not available; 
(d) where we have good reason to suspect that your instruction is for illegal purposes (for example, to commit fraud);  
(e) where we have good reason to believe that your instruction could badly affect our reputation or goodwill; and  
(f) where you do not hold enough electronic money in your Platform Account or enough Digital Assets to fulfil the order.

3.5 What happens when you purchase, sell and transfer Digital Assets? By agreeing to these terms, you appoint us:

(a) As your agent to purchase, sell and transfer Digital Assets on your behalf. 
(b) To provide nominee services, which means that we will act as your ‘nominee’ for the purpose of holding your Digital Assets – if we see fit, we may appoint another person or organisation to hold your Digital Assets. That person or organisation is referred to in these terms as a sub-custodian. We (or the sub-custodian) will hold your Digital Assets on your behalf and you will have a right (called a ‘beneficial right’) to them. This means you can tell us when to sell or transfer it (within the limits of these terms). 
(c) You have complete control of your Digital Assets and we will only act upon instructions you give us. You will not be able to carry out transactions yourself. 
(d) We (or the sub-custodian) will hold your Digital Assets on your behalf and you will have a right (called a “beneficial right”) to them.  This means you can tell us when to sell or transfer it (within the limit of these terms).   You have complete control of your Digital Assets and we will only act upon instructions you give us.  You will not be able to carry out transactions yourself.

3.6 Where will the Digital Assets which you purchase from us be held? 
The Digital Assets we purchase for you are held in a ‘virtual account’ that also holds Digital Assets for other persons who use our services. You will not have your own Digital Asset account. You can use the Platform to see the amount of Digital Assets we are holding for you.  There won’t be any contractual relationship  between  you  and  our  partnered  Digital  Assets  exchanges  or  any  sub-custodian  we appoint.

3.7 What Digital Assets are available? 
The Digital Assets which you can purchase using our services are shown on the Platform.

3.8 What regulation and protection is in place in relation to Digital Assets? 
Digital  Assets  are  regulated  only  for  the  purposes  of  anti-money  laundering  and  counter-terrorist financing. When you purchase Digital Assets from us, it will not be protected by any Insurance Scheme or any other similar compensation scheme and if you have a complaint it is not likely to fall within the scope of the jurisdiction of any ombudsman or similar alternative dispute resolution process.

3.9 Will our services operate all the time? 
We’ll do as much as reasonably possible to make sure that our services are not interrupted, are secure and virus-free, and are accessible at a reasonable speed. However, we can’t promise  that this will always  be  the  case.  Sometimes  we’ll  suspend  use  of  our  services  so  that  we  can  make  technical changes and add new features. We won’t be responsible for losses that arise: 
(a) if our services aren’t available; 
(b) if we don’t meet our obligations under these terms because of a legal or regulatory requirement; 
(c) because there were unusual or unexpected events outside our control.

3.10 Will we ever deduct Digital Assets from the balance of Digital Assets you hold with us? 
Yes, when you owe it to us, for example, money you owe when you sell or exchange Digital Assets, or when you owe  us fees.   We  can also  deduct Digital Assets you hold with us if you owe  money  to another member of the same group of companies as us.

3.11 How will you know when Digital Assets have been added to the balance we hold for you? You can check this on the Digital Assets part of the Platform. 

3.12 How long will we hold Digital Assets on your behalf for? 
We will hold your Digital Assets indefinitely until these terms are terminated.

3.13 How can you find out the exchange rates we offer? 
You can find out the exchange rates we offer at any given time by looking at the Digital Assets part of the Platform.

4. Risks

4.1 Do you provide advice on purchasing Digital Assets? 
No, we do not provide any advice relating to our services. You should carefully consider whether your personal situation and the financial risks you are willing to take mean that you should not buy Digital Assets. You may want to speak to an independent financial adviser.

4.2 Are there any risks involved in purchasing Digital Assets? 
Digital Assets carry significant risks. You should carefully consider whether it is appropriate for you to buy Digital Assets.  These risks include the following: 
(a) unlike normal money, when you buy, sell or transfer Digital Assets you are dealing with something digital, not something tangible. This means that, like any other digital system, Digital Assets are at risk of being hacked or affected by technical problems. This could result in you losing your Digital Assets or delay your ability to sell, transfer or spend it; 
(b) the regulation (or lack of regulation) of Digital Assets or Digital Assets exchanges can change at any time. Any change is likely to affect the value of any Digital Assets we hold for you; and 
(c) the value of Digital Assets can fall (and is more likely to do so than normal money is). This could happen if, for example: 

(1) a new, better Digital Assets is created; 
(2) software developers make unexpected changes to how the Digital Assets works; or 
(3) there is a change in Digital Assets regulation. 

The price or value of Digital Assets can rapidly increase or decrease at any time. It may even fall to zero. Unlike normal money, no bank or government can stabilise the value of Digital Assets if it changes suddenly.

5. What happens if there’s a ‘fork’? 

5.1 A fork is a sudden change in how a Digital Assets works. A fork may seriously change the function, value or even the name of a Digital Assets. If this happens, we’ll speak to our partnered Digital Assets exchanges and work out the best approach for our customers.

5.2 Unfortunately, for reasons beyond our control, a fork may cause a Digital Assets we hold for you to be split into two Digital Assets. If this happens, the following may apply, as we see fit: 
(a) you’ll get  a balance  in one of those  two  Digital Assets that our partnered exchanges  decide to support as the main Digital Assets; and/or 
(b) you won’t necessarily get any or all of the two new Digital Assets (for example, if our partnered exchanges decide not to support those Digital Assets).

5.3 A fork can also affect the exchange rate.

6. Keeping your security details safe

6.1 How do you keep your Digital Assets safe?  
You can do this by keeping your security details and Platform Card safe. This should include:
(a) not keeping your personal identification number (PIN) near your Platform Card;  
(b) disguising or protecting your security details if you write them down or store them; 
(c) not sharing your security details with anyone other than an open-banking provider or third-party provider who is acting in line with regulatory requirements; 
(d) making sure you close down the Platform or log off the Platform (as appropriate) when you are not using the Platform; and 
(e) keeping your mobile phone and your email account secure and not letting other people use them. 

6.2 What should you do if you think that your Digital Assets are no longer safe? 
If  your  Platform  Card  is  lost  or  stolen,  misappropriated,  used  without  authorisation,  or  otherwise compromised, or if your  Platform  Card or Platform or security  details could be  used without  your permission you should: 
(a) contact us as soon as possible; and 
(b) if you can, you should freeze your Platform Card on the Platform. If you later realise there is not a risk to your Platform Card’s security, you can unfreeze it. 
We recommend that you check the balance of your Digital Assets and transaction history on a regular basis to identify any potential unauthorised use of your account and to check for transactions which you do not recognise.

7. Our Liability

7.1 Are there any limitations to our liability? 
We will not be responsible for losses resulting from us failing to meet our obligations because of:
(a) a legal or regulatory requirement; 
(b) unforeseeable events outside our control, which were unavoidable at the time; 
(c) criminal or any other illegal actions of third parties resulting in damage to you or any other person; 
(d) the blocking of your account when implementing legal requirements including those in relation to anti-money laundering and counter-terrorist financing.

7.2 To the maximum extent permitted by law, we do not guarantee the quality, performance or fitness for the purpose of the Platform and Services or the completeness, accuracy or currency of statements, representations and information of others (including without limitation data, reports) provided via the Platform and Services. 

7.3 In addition, we will only be responsible for any loss that we could have foreseen at the time you entered into this agreement. To the maximum extent permitted by law, we won’t be responsible for any of the following, whether direct or indirect, that arises in connection with these terms: 
(a) loss of income or profit; 
(b) loss of goodwill or damage to your reputation;
(c) loss of business contracts or opportunities; 
(d) loss of anticipated savings; (e) consequential loss;  
(f) any fines, penalties, taxes (except GST);  
(g) any exemplary, aggravated or punitive damages, liquidated damage; or 
(h) loss of digital assets. 
Nothing in these terms removes or limits our liability for death or personal injury or any other harm, i.e. monetary and non-monetary damage resulting from our negligence or from fraud or fraudulent claims and statements.

8. Your liability

8.1 If for any reason your balance of Digital Assets becomes negative (for example because you don’t have sufficient Digital Assets to cover fees you owe us) you must within 5 (five) days of our request, top up your Platform Account with the required amount to correct the negative balance. If you owe us money, we can take the amount you owe us from any amount you hold with us (in Digital Assets or fiat) or any amount you hold in your Platform Account.

8.2 If you have broken these terms and this has caused us to suffer a loss: 
(a) you will be responsible for any losses we suffer as a result of your action; 
(b) if your actions result in us losing profits, you may also be responsible for these losses;
(c) you will be responsible for any reasonable legal costs that arise as a result of our losses.

9. Commission, fees and interest

9.1 Do we charge any fees? 
Yes, sometimes we charge a commission, which will be made clear to you each time you place an order via the Digital Assets part of the Platform. In addition, we will charge a mark-up on the exchange rate which we are able to achieve. If an order is automatically placed with us to sell Digital Assets upon you using the Platform Card, we shall use our standard exchange rates and commission and inform you of same on the Platform as soon as the transaction is complete.  If you owe us commission or any other fees, ordinarily we’ll debit this as part of the transaction. Alternatively, we can take the amount you owe us from your Platform Account. If you don’t have enough money in your Platform Account to pay the fees or other amounts you owe us, we can recover the amount by: 
(a) taking the amount you owe us from any card you have stored the details of on the Platform;
(b) exercising our right of set-off; 
(c) taking other legal steps to  recover  the money  you owe  us,  such as  instructing lawyers or debt collectors. 
If we take any or all of these steps, we might charge you our reasonable costs.

9.2 What happens if you fail to pay us money you owe us on time? 
Without limiting the other clauses in these terms, if you owe us money and fail to pay us on time, we reserve the right to charge interest on the outstanding sum at 4% per annum above the base rate, from time to time in force, of the European Central Bank. Such debt shall be compounded monthly and  we  shall  be  entitled  to  claim  from  you  the reasonable  costs  in  recovering any  sums overdue. Amounts due under this clause may at our reasonable discretion be converted to euro or any other currency at a rate to be reasonably determined by us.

10. Complaints

10.1 How do you make a complaint about the service we have provided? 
If you feel that we have not met your expectations in the delivery of our services or if you think we have made a mistake, please let us know. You may let us know via the chat function on the Platform. Please make it clear that you wish to make a complaint. We have internal procedures for handling complaints fairly and promptly. A copy of our complaints procedure is available upon request.

11. Data Protection

11.1 Do we collect, use and store your personal data? 
Yes, to provide services under the agreement we need to collect, use and store information about you. For more information about how we use your personal information, see our privacy policy, which is available on the Platform.

By  agreeing  to  these  terms,  you  agree  that you  consent  to  us  accessing,  processing  and  retaining personal  data  relating  to  you  for  the  purpose  of  the  provision  of  digital  assets  services.  You  can withdraw your permission by terminating these terms. If you do this, we’ll stop using your information for the purpose of providing our services, but we may need to keep your information for legal reasons.

12. Our duty of confidentiality

12.1 What are our obligations of confidentiality? 
We shall keep your confidential information (such as your name and address and details of contracts you have entered into) confidential and shall not use  such confidential information except for the purpose of exercising or performing our rights and obligations under these terms or as set out in our privacy policy. 

12.2 When might your confidential information be shared? 
We  share  information  with  (and  receive  information  from)  other  companies  in  our  Group,  other companies that provide  services through the Platform, our employees, officers, representatives or advisers who need to know such information for the purposes of exercising our rights or carrying out our obligations under or in connection with these terms. This information will include the fact that you are our client, the services we provide to you, your account number, the balance of Digital Assets we hold for you, operations performed or being performed on your behalf, your debt obligations to us,  circumstances  of  providing  the  services  to  you,  your  financial  situation  and  assets,  other commercial information you have provided to us when opening the account and your activities, plans, debt obligations or transactions with other persons. We may also share your confidential information:

(a) as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority;  
(b) with any banks or Digital Assets exchanges we work with to provide you with the services; and  
(c) with third party suppliers which assist us in our goal to prevent fraud and/or money laundering and/or terrorist financing.

13. Restrictions on your use of our services.

13.1 Are there any restrictions on your use of our Services? Yes. You must not: 
(a) use our services for illegal purposes (for example, committing fraud or purchasing an illegal item);
(b) use our services in a way that we reasonably believe might harm our ability to provide our services;
(c) control or use an account that is not yours; 
(d) allow anyone else to have access to or use your account on the Platform.

13.2 Are there any limits on the extent to which you can use our services? 
Yes, we might limit the amount of Digital Assets you can purchase or sell. These limits change from time to time. Please contact us for further information.

14. Information  we  require  and  checks  we  carry  out  when  onboarding  you  as  a  client  and throughout the term of our relationship

14.1 Do we require any documentation or information from you prior to us being able to provide you with our services? 
Yes, before we can provide you with our services we will ask for documentation and information about you.  We  do  this  to  comply  with  our  legal  and  regulatory  obligations.  We  will  have  access  to  the information you have already provided on the Platform, including information provided to FCGFS.

14.2  We may require additional documentation and information from you during the lifetime of these terms. If you do not provide us with the information or documentation we require, we may with hold our services, suspend any live contracts and/or freeze your money until we receive the documentation or information that we require.

14.3 We reserve the right to carry out all and any necessary money laundering, terrorist financing, fraud or other illegal activity checks allowing you to use or continue using our services.

14.4 Do we carry out electronic verification checks and, if so, what is the effect of same? 
Yes, we or someone acting for us may carry out an electronic verification check in order to verify your identity and/or address. This will leave a soft footprint on your credit history. By agreeing to these terms, you consent to such searches being carried out.

15. Our intellectual property

All the intellectual property in our products (for example, the content in our app and our website, our logo and card designs) are owned by/ or licenced to be used by FCG Digital Assets Pty Ltd and is being used  by  us  and  other  companies  in  our  Group  to  provide  services  to  you.  You  must  not  use  this intellectual property as your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition). Any unauthorized use of our intellectual property is strictly prohibited.

16. Other important terms

16.1 Can these terms and associated contracts be transferred to another person? 
Yes, we may transfer our rights under these terms and associated contracts to another organisation without your consent. We shall let you know in advance before doing so. You cannot transfer your rights under these terms unless we confirm that you can in writing.

16.2 Do we record telephone conversations? 
Yes, we record telephone and electronic conversations between us and may use them as evidence if there is a dispute between you and us. We shall destroy our recordings in accordance with our normal procedures.

16.3 Can you obtain a copy of these terms? 
Yes. A copy of these terms is always available on the Platform. In addition, we can provide you with a copy of these terms upon request.

16.4 Are you able to terminate or reverse a transaction to purchase, sell or transfer Digital Assets after the transaction had completed? 
No, there is no “cooling off” relating to the purchase or sale of Digital Assets.

16.5 What if you or we delay in taking action under these terms?  
Unless otherwise specified in these terms, if either party breaches these terms but the other party doesn’t enforce their rights, or delays in enforcing their rights, this will not prevent the other party from enforcing those or any other rights at a later date.
16.6 If a court finds part of these terms illegal, will the rest continue in force? 
Yes. Each of the clauses of these terms operate separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

16.7 Will we ever make changes to these terms?  
Yes. We can change these terms by giving you one months’ notice via email. You shall be deemed to have agreed to these changes, unless you tell us that you want to terminate these terms before the date on which the changes comes into effect. You are not able to change these terms. If we add a new product or service that doesn’t change these terms, we may add the product or service immediately and let you know before you use it.

16.8 Does anybody else have any rights under these terms? 
No. This contract is between you and us. No other person shall have any rights to enforce any of its terms.

16.9 Which laws govern these terms? 
These terms are governed by the laws of Queensland, Australia.

16.10 Where can legal proceedings in relation to these terms be brought? 
If either you or us wishes to take legal proceedings in court, these can be brought in the courts of Queensland. In addition, you may bring an action in the courts of any place where you have a statutory right to bring legal action under these terms and conditions.